Digital Banking

Certificate of completion (supplied by PasarTrainer)

Training Material

Recognize on how risks and control might be different in the different type of industries. 

1.1 Introduction 

Basic understanding on IT Audit concept and its components. 

1.2 IT Audit Concept 

Understand the concept of information security and risks, and how it might negatively impact company based on actual cases. 

1.3 Information Security, risks and controls

Understanding Digital Banking and the basic differences between Digital Banking and Conventional Banking.  

2.1 Introduction to Digital Banking

a. High level architecture of Digital Banking implementation

b. Risk assessment for annual audit planning

c. Planning and scoping for an audit 

d. Audit execution

        - General & Application control

        - Business process flow

        - System Development Lifecycle/change management

        - Audit reporting


Understanding on risks in the implementation of Digital Banking and its mitigation and audit strategy. 

2.2 Risks on Digital Banking, controls and audit strategy 

a. Financial Services Authority Regulation Number 12/POJK.03/2018 concerning the Implementation of Digital Banking Services by Commercial Banks

b. Financial Services Authority Regulation Number 38/POJK.03/2016 concerning Implementation of Risk Management in the Use of Information Technology by Commercial Banks

c. Financial Services Authority (SEOJK) Circular Letter Number 21/SEOJK.03/2017 concerning Implementation of Risk Management in the Use of Information Technology by Commercial Banks

d. Utilization of cloud services and Application Programmed Interface (API)


High-level understanding on applicable OJK and BI regulation related to Digital Banking and technology utilization, that also includes audit coverage and the optimal audit approach.

2.3 Auditor role in ensuring compliance to applicable regulation in Digital Banking 

a. Big data

b. Micro services (vs Monolith)

c. Deep learning & Artificial Intelligence

d. Robotic

e. Block chain

f. Agile development

g. Fintech 


Understanding on technology utilization and partnership to identify controls required for the emerging risk and how to view from audit perspective.  


3.1 Applicable technology and partnership in Digital Banking application 

Identify common issues and challenges in Digital Banking to prepare appropriate audit focus and coverage. 

3.2 Common issues and challenges in Digital Banking

Understanding on emerging risks driven by Covid19 situation. 

3.3 Emerging risks during Covid-19 

Overview on how data analytic generally implemented. 

3.4 A glance on data analytics implementation

The following are the key objectives of the proposed Digital Banking training:
1. Refresh training audience security awareness of current technology landscape and risks
2. Creating understanding in the area of Digital Banking that includes technology utilization, risks, controls and its audit strategy 
3. Provide information on applicable regulations related to Digital Banking
