Transformational Digital as Innovation Strategy in Optimizing Collateral Management at PT Bank Central Asia

DOI

10.2991/978-94-6239-709-5_57How to use a DOI?

Keywords

Transformational Digital; PRISMA 2020; Systematic Literature Review (SLR); Collateral Management; Modern banking

Abstract

The heightened digitalization of financial services has transformed credit-risk governance, yet empirical studies that link digital transformation to institutional practices remain limited, particularly in emerging markets. This study addresses this gap by integrating a Systematic Literature Review (SLR) of 84 sources including 80 academic articles and 4 institutional reports from Bank Central Asia, BCA with Brown’s three governance pillars: Value Protection, Borrower Discipline, and Public Trust. Using PRISMA 2020 procedures, the literature was classified into 29 Value Protection, 34 Borrower Discipline, and 17 Public Trust studies, demonstrating distinct yet interconnected domains of digital credit governance. The findings reveal that digital valuation systems, automated verification, and expanded data networks strengthen Value Protection through more consistent and transparent collateral assessment. Borrower Discipline is reinforced by behavioral analytics, early-warning systems, and real-time monitoring, contributing to BCA’s stable NPL ratio (1.8%) and reduced LAR (5.3%). Public Trust, although supported by the smallest cluster of studies, is shown to depend on digital reliability, system transparency, and financial stability, reflected in BCA’s consistently high CASA ratios (>80%) and near-total digital transaction penetration (99.8%). By combining theoretical insights with institutional evidence, this study demonstrates that digital transformation functions not as a supporting tool but as a strategic enabler of integrated credit governance. The resulting framework provides a replicable model for understanding how digital ecosystems improve valuation integrity, behavioral compliance, and long-term trust in modern banking.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Download article (PDF)

TY  - CONF
AU  - Sukri Lalui
PY  - 2026
DA  - 2026/06/20
TI  - Transformational Digital as Innovation Strategy in Optimizing Collateral Management at PT Bank Central Asia
BT  - Proceedings of the 10th International Conference on Accounting, Management, and Economics (10th ICAME 2025)
PB  - Atlantis Press
SP  - 833
EP  - 845
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-709-5_57
DO  - 10.2991/978-94-6239-709-5_57
ID  - Lalui2026
ER  -