KnE Social Sciences

Published date: Sep 17 2025

Journal Title: KnE Social Sciences

Issue title: The Mercu Buana Ecobiz Energy International Conference: Innovation and Operational Efficiency in Energy Business

Pages: 1 - 8

DOI: 10.18502/kss.v10i22.19708

Indra Siswanti indra.siswanti@mercubuana.ac.idUniversitas Mercu Buana, Jakarta

Lenny Christina NawangsariUniversitas Mercu Buana, Jakarta

Yananto Mihadi PutraUniversitas Mercu Buana, Jakarta

Yohanes Ferry CahayaUniversitas Dirgantara Marsekal Suryadarma, Jakarta

Putri Andari FerrantiUniversitas Mercu Buana, Jakarta

In the last few years, the trend of digital banking through digital transformation has been undergoing fairly rapid development. One factor in the development of this digital banking is its practical and fast process. Digital banking continues to evolve and bring about innovations to meet the needs and lifestyles of people. Thus, the presence of digital banking through digital transformation is expected to enhance the sustainability of the banking business in Indonesia. Through green banking, banks are no longer focused on achieving profit, but also focus on responsibility in efforts to preserve environmental, social, and governance (ESG) standards. The Financial Services Authority (OJK) is urging banks to increase efficiency in running their operations so that credit interest rates can be cheaper. Through efficiency, operational burdens can be reduced. The operational survival of the Indonesian banking sector will depend on the ability of each banking institution to maintain a high level of competitiveness. The aim of this research is to create a conceptual business model for sustainable banking in Indonesia through green banking, digital banking and operational efficiency. The research method used is a quantitative, descriptive research method with a causal approach. The units of analysis in this study are 14 Islamic banks in Indonesia.

Keywords: green banking, digital banking, efficiency, suistanibility

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