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Articles

Strategic Management Planning For The Digitalization Of The Sp2d Process At Pt Bank Sumut, Lubuk Pakam Branch

  • 1*,2,3 Universitas Sumatera Utara

* Corresponding Author: Augina Amelia Putri

Open Access
DOI
https://doi.org/10.59431/ijer.v6i3.887
Published
Pages
1085–1093

Issue

Vol. 6 No. 3 (2026)

Indonesian Journal Economic Review (IJER)
September

Abstract

Digital transformation in regional financial governance is a fundamental necessity to enhance efficiency, accountability, and transparency. However, the issuance process of the Surat Perintah Pencairan Dana (SP2D) at PT Bank Sumut, Lubuk Pakam Branch, still relies heavily on manual and semi-digital procedures, leading to delays, administrative errors, and limited real-time monitoring capabilities. This study aims to design a strategic management plan for the digitalization of the SP2D process through the alignment of business strategy, technological infrastructure, and organizational readiness to support the financial governance of the Deli Serdang Regency Government. A qualitative case study approach was employed, conducting in-depth interviews with Bank Sumut employees, BPKAD officials, and operational staff; direct observation of the SP2D workflow; and document analysis of SOPs, transaction data, and related systems. The purposive sampling technique focused on individuals directly involved in the SP2D processing cycle. Data were analyzed using thematic analysis, complemented by Root Cause Analysis (fishbone diagram) to map barriers across human, process, technology, and environmental dimensions. The Strategic Alignment Model was utilized to identify gaps between business strategy and IT strategy. The study identified four main root problems: low digital competence among employees, misalignment of SOPs between the bank and BPKAD, the absence of system integration between SIPD/SIMDA and Bank Sumut’s core banking system, and cultural resistance toward digitalization. The proposed SP2D digitalization model includes: (1) two-way integration between SIPD and the core banking system; (2) the implementation of a maker–checker–realiser mechanism; (3) a real-time monitoring dashboard; (4) strengthened IT infrastructure; and (5) continuous development of digital competencies. The implementation of this model is expected to accelerate processing time, enhance data accuracy, minimize administrative errors, and strengthen transparency for stakeholders. This study offers a theoretical contribution to the digitalization of regional financial services and a practical strategic model that can be adopted by Bank Sumut and other regional development banks to modernize SP2D services and improve inter-agency integration in line with e-government standards.

Keywords

Digitalization SP2D Bank Sumut Strategic Management Regional Finance Public Service Innovation

How to Cite

Putri, A. A., Rini, E. S., & Sembiring, B. K. F. (2026). Strategic Management Planning For The Digitalization Of The Sp2d Process At Pt Bank Sumut, Lubuk Pakam Branch. Indonesian Journal Economic Review (IJER), 6(3), 1085–1093. https://doi.org/10.59431/ijer.v6i3.887

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Author Biographies

  • Augina Amelia Putri, Universitas Sumatera Utara

    Master of Management Study Program, Faculty of Economics and Business, Universitas Sumatera Utara, Medan City, North Sumatra Province, Indonesia.

  • Endang Sulistya Rini, Universitas Sumatera Utara

    Master of Management Study Program, Faculty of Economics and Business, Universitas Sumatera Utara, Medan City, North Sumatra Province, Indonesia.

  • Beby Karina Fawzeea Sembiring, Universitas Sumatera Utara

    Master of Management Study Program, Faculty of Economics and Business, Universitas Sumatera Utara, Medan City, North Sumatra Province, Indonesia.

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Copyright (c) 2026 Augina Amelia Putri, Endang Sulistya Rini, Beby Karina Fawzeea Sembiring

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