Disparitas Sanksi Administratif Akibat Keterlambatan Pemberitahuan Pengambilalihan Saham Pelaku Usaha Berdasarkan Hukum Persaingan Usaha

Abstract

In today's growing era of digitalization, data is becoming a very important and valuable resource. Banks around the world generate more than 100 terabytes of data per day. However, only a few banks are able to make good use of the data. The utilization of big data can help banks improve operational efficiency, reduce credit risk, increase customer satisfaction, and increase the profitability of their business. This research is prepared by searching literature and sources of information related to the use of Big Data to improve the business performance of a Bank. The study of 200 people showed that more than 70% already use Big Data. Big Data processing can provide benefits, namely risk mitigation, preventing fraud, building relationships with customers, increasing company profits, increasing company value compared to competitors and increasing company business volume. The benefits of using Big Data generated are improving business performance and assisting the Bank in mitigating the risk of decision-making errors, product cross-selling errors to help identify money laundering practices. Processing Big Data poses challenges, namely the readiness of human resources and large information technology investments. Banks must be careful to anticipate data leaks that cause legal problems.