The Intelligent Digital Banking Technology and Architecture

A Systematic Literature Review

Authors

  • Elisa Indriasari Binus University
  • Harjanto Prabowo Binus University
  • Ford Lumban Gaol Binus University
  • Betty Purwandari Universitas Indonesia

DOI:

https://doi.org/10.3991/ijim.v16i19.30993

Keywords:

digital banking, intelligent banking, smart banking, digital architecture, mobile banking

Abstract


The digital banking sector has made tremendous progress in user-friendly, efficient, and rapid financial transactions, owing to the exponential growth of ICT technologies. Consequently, many new banking products, services, and business opportunities have emerged. This paper presents a comprehensive analysis of new emerging technologies and architecture that can support the development of intelligent digital banking platforms. The aim of this study is to explore the latest relevant technology to enhance customer experience and minimize human interaction to prevent the spread of COVID-19. The study follows Kitchenham's SLR principles and goes into great depth regarding the process of choosing and analyzing relevant research papers. This research promoted 40 articles that discuss potential emerging technologies, such as artificial intelligence, blockchain, big data, biometrics, and cloud computing. Some key areas of literature were examined, such as technological trends, potential features, and technical solutions. The articles selected were based on specific criteria and used high-quality databases, including IEEE Xplore, Elsevier, SpringerLink, ACM, and AIS. This study considered recent papers published between 2015 and 2021. The mapping study presents digital banking technology and proposes an integrated architecture for developing intelligent digital banking platforms.

Author Biographies

Harjanto Prabowo, Binus University

Professor, Rector of Binus University

Ford Lumban Gaol , Binus University

Dr. Ir. Ford Lumban Gaol, SMIEEE Head Department of Doctor of Computer Science
http://dcs.binus.ac.id/
Chairman of IEEE Computer Society Indonesia
http://ieeecomputer.id/

Betty Purwandari, Universitas Indonesia

Head of Information Technology Post Graduate program, Universitas Indonesia

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Published

2022-10-19

How to Cite

Indriasari, E., Prabowo, H., Lumban Gaol , F., & Purwandari, B. (2022). The Intelligent Digital Banking Technology and Architecture: A Systematic Literature Review . International Journal of Interactive Mobile Technologies (iJIM), 16(19), pp. 98–117. https://doi.org/10.3991/ijim.v16i19.30993

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Papers