Suchergebnisse

Digital disruption innovation in the financial services industry is an innovation that has succeeded in changing the financial industry landscape, starting from its structure, technology, and marketing model. The emergence of the Financial Technology (Fintech) industry marks a disruptive innovation in the financial services industry. This study aims to analyze the role of the Indonesian government in the era of banking disruption. The research method used was descriptive analysis with a qualitative approach—data obtained through interviews and literature study, Bank Indonesia, the Indonesian Fintech Association, and the National Bank Association. Before the research started, the validity of the data was first tested. The results of the study state that the government encourages banking and fintech to grow side by side and is directed to collaborate immediately. The role of the government as a regulator has been performed by the Indonesian Financial Services Authority (OJK) and Bank Indonesia (BI, Central Bank of Indonesia) by issuing various regulations. The study concluded that there are three areas that regulators need to monitor and guard, including misuse of public funds, protection of the public, private data, and money laundering.

Central government policy delegates the management of Land and Urban Building Tax (PBB-P) requires local governments to improve themselves. This is to optimize the acceptance of the tax as the Local Revenue (PAD). This study aims to explain the partnership built by Cimahi City Revenue Service with Banking Institution and taxpayers in performing the payment of land and urban building tax in CImahi City. The research method used qualitative approach. This approach is intended to reveal the phenomenon of partnership woven by the parties that are partnering Department of Revenue, Banking and Society. Informants in this study is the head of the Revenue Service. Representatives of banking and public taxpayers namely the land and urban building tax. To ensure the validity of data used triangulation technique. The results show that in general the partnership works well is evidenced by the increased acceptance of tax and better communication among the partners. Taxpayers awareness to make payments through banks also increases. It also shows the quality of partnership achieving the expected results. Keywords: partnership, goverment, banking, taxpayers