DARI KEPATUHAN MENUJU ORKESTRASI EKOSISTEM: DINAMIKA PESTEL DAN TRANSFORMASI SUSTAINABLE BANKING PADA BANK BUMN INDONESIA

Legendariah Rasuanto

doi:10.59003/nhj.v6i4.2348

Authors

Legendariah Rasuanto Perbanas Institute

DOI:

https://doi.org/10.59003/nhj.v6i4.2348

Keywords:

sustainable banking, PESTEL, Institutional Theory, state-development mandate, ecosystem orchestration

Abstract

Sustainable banking is increasingly moving beyond regulatory compliance toward strategic integration and ecosystem-oriented transformation. This study examines how Indonesian state-owned banks translate external environmental pressures into sustainable banking transformation and how state-development mandates shape differentiated trajectories. Using a qualitative comparative case study, the research analyzes Bank Mandiri, BRI, BNI, and BTN through longitudinal documentary evidence from 2021 to 2025. PESTEL is used as an environmental scanning lens, Institutional Theory explains institutional pressures, Dynamic Capabilities explain processes consistent with sensing, seizing, and transforming, and Ecosystem Orchestration assesses ecosystem-oriented transformation. The findings indicate that similar institutional pressures generate different strategic responses according to business orientations and development mandates. State-development mandates function as institutional filters and directionality mechanisms. Therefore, sustainable banking transformation develops through differentiated pathways, while Ecosystem Orchestration appears unevenly when strategic design, relational coordination, resource integration, technological connectivity, and innovation extend across organizational boundaries.

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