Banking Information System Study Through Enterprise Architecture TOGAF

The development of information technology has changed different views in Indonesian society today. In the era of the industrial revolution 4.0, all industries including the banking industry have implemented the latest Information Technology in accordance with the needs of the industrial revolution. One of the readiness strategies is to make changes to information technology planning based on Enterprise Architecture. The Enterprise Architecture method of this research uses TOGAF (The Open Group Architecture Framework). The goal is to develop business architecture, application architecture, information architecture and technology so that they can adapt to the industrial revolution. The application of Enterprise Architecture needs to perform gap analysis and implementation strategies. Application system development does not need to be done totally, but there are several application systems that need to be changed. The application of Enterprise Architecture can be carried out starting from architectural design, gap analysis to implementation strategies so that they are able to face the industrial revolution 4.0.


INTRODUCTION
The impact of the Industrial Revolution 4.0 (He et al., 2021), (Wang et al., 2021) has spread to various sectors and one of them is the banking and financial services sector. The impact of the financial and banking industry is competition from several Financial Technology companies. Competition in various industries is getting tougher, where companies that do not want to change their business and strategies will experience destruction or loss. Many banking companies do not adapt by adopting the latest technology, updating some services or not being creative and innovative, it can be ascertained that the company is experiencing difficulties in its business. One example that is affected is services in the retail banking sector that focus on consumers or individuals and small businesses. Where the market from banking will continue to be eroded, because technology-based financial companies continue to make breakthroughs, both in services and in the field of information technology. In this case, consumers are given the best convenience and service with the technology offered by Fintech companies (Tavana et al., 2020).
The previous decade the banking industry served its customers, by opening branch offices to the sub-district level throughout Indonesia. With the hope of providing closeness services between customers and the banking sector. After the presence of information technology and telecommunications, where currently the internet has become a public need and 24-hour banking services. Technology using Automated Teller Machine (ATM) technology is currently being abandoned by many people (van der Heide et al., 2020). The need for money transfers is no longer using ATMs, unless people want to withdraw cash, they still use ATM.
The presence of the internet in the banking industry, banks are making breakthroughs in the field of Internet Banking as a customer service. The purpose of internet banking services (Naeem & Ozuem, 2021) can reach consumers wherever customers are. Mobile Bank-ing service makes it very easy for customers to manage savings or other banking needs. Banking customers do not need to visit the kan- Develop Enterprise Architecture (Villalta, 2015) for banking that is designed and implements the latest technology in the era of the industrial revolution. By simplifying the business flow, it makes a banking company more agile in managing its business. In terms of business architecture, in-formation architecture and technological architecture are very supportive. But keep in mind that it is not that simple in running a bank business that is increasingly being eroded by its competitors. It is also prepared to face an ever-evolving information system and a sustainable sis-tem (Hindarto et al., 2021), in the sense of a system that keeps up with the times.
The purpose of this study focuses on discussing aspects of the stages of the TOGAF method. The aspects discussed in this study are Architec-ture Vision, Business Architecture, Information Systems Architecture, Technology Architecture, and Implementation Governance. Where your-gensi from the application of Enterprise Architecture exists-it is that the banking industry is able to face the innovation of the industrial era 4.0

METHOD
The methodology of this study uses qualitative methods. The qualitative method is a methode research by collecting data in the form of raw data which is then carried out ana-lisa statistics and other analysis. Qualitative methods obtain the results of analysis of descriptions, analysis, and more detailed interpretations in an event.
There are several methods used in collecting qualitative data, namely participant observation, surveys, interviews with banks including literature studies, documents and some artifacts as supporting materials in research. This research consists of several stages. An understanding of business processes is obtained from field observations on banking and from literature studies on banking topics, such as several NEWTON: Networking and Information Technology Vol.2 No.1 June 2022 journals related to bank discussions and supporting documents such as the journal Enterprise Architecture. This study examines the eight stages contained in TOGAF ADM. The six stages are Architec-ture Vision, Business Architecture, Information Systems Architecture, Technology Architecture, Opportunities and Solution and Implementation Governance. Architecture Vision, designing a business architecture depicted in the form of a business model canvas consisting of nine components. The components of the business model canvas consist of (1) Customer Segments, which provide information about customers from banking customers. (2) Value Propositions, providing information about the added value of banking products offered to customers or banking customers. (3) Channels, providing information about promotions, and introducing banking products. (4) Key Resources, providing information on resources, including human resources. (5) Key resources, providing information about the parts of the banking organization that are considered important in conducting business. (6) Cost Structure, providing information about operational costs or expenses. (7) Key Partnerships, providing information about partners or vendors who are bound to support the bank business. (8) Revenue Streams, providing information on the source of business income per-bank. (9) Customer Relationships, providing information about parts that are closely related to banking customers.
Design information and data architecture. At this stage, it explains about the information stored in the storage medium and how it relates to the application used. This technological architecture explains the technology used. .

RESULT AND DISCUSSION
The results of surveys and literature studies on the banking industry provide information in the design of Enterprise Architecture which consists of several stages of architectural design such as business architecture, application architecture, information architecture and technology architecture. After doing architectural design, continue by looking for gaps from the design that has been implemented. Then from the discovery of gaps, there is the implementation stage of the architecture that has been created. Business architecture is designed in the form of a business model canvas consisting of eight compotes, which are described in the figure below.

• Business Vision
This section describes the needs of the user regarding the information system that will be applied to the company or bank organization.

Figure 2. Banking Business Architecture
Customer Segments. In one of the bank industries, it can distinguish customers into five groups: (a) Debtor Customer, which is a customer who uses a loan product from a bank. These customers can be divided into retail or MSME customers (Micro, Small and Medium Enterprises) and corporate loans or enterprise loans. (2) Depositor shall be a customer or customer who places his funds at the bank in the form of a deposit. (3) Cus-tomer investors are customers who are interested in buying investment products from banks. (4) Corporate Customer and (5) Retail Customer.

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Vol.2 No.1 June 2022 Channels are a medium for promoting banking products. Banking companies promote products by opening branch offices, company websites, social media such as on Twitter and making marketing brochures. Customer Relatinships, is a banking activity in establishing relationships with customers or banking customers. As for investment products, responsibility is devolved to the Customer Relationship Management department. Bank Value Propositions should be an attraction for aspiring banking companies. This is one of the best marketing methods, in addition to knowing banking products. In addition, it is a service to customers in a friendly manner, financial services or low interest and eliminates administrative costs.
Key Resources. The Banking Industry in carrying out its business activities, uses its power to produce good services and products. Human Re-sources in banking companies must be ready by making breakthroughs in the face of the industrial revolution, Banking Products that can always create good bank services and products supported by Infor-mation Technology Infrastructure. Key Activities. One of the next banking activities is (1) Financial Financing is a banking business that functions to distribute funds to customers. For example, financing home ownership loans (KPR), motor vehicle ownership loans (KPM), and others. (2) Fundraising is a bank's effort to raise na-sabah funds. These fund collections are like savings, current accounts, and time deposits. (3) Risk Management is a calculation of the level of risk from banking activities to keep them under control in distributing redit to customers. (4) Forex (Foreign Exchange) is a service or service for buying and selling foreign currencies. (5) Promotion, the activities of banks to offer products to customers or prospective customers.
Revenue Streams. Banking companies have many sources of income. Some of the provisions such as Revenue, Revenue Model, Gross Margin, Credit Interest Income, Monthly admin-istration fee, Life time Value, Credit activity fee, Banking transaction services. All activities generate income for the company.
Cost Structure. Banking companies also have a Cost Structure where all expenditure activities are regulated in the Cost Structure. The following cost structures such as: Distribution costs, Funding interest expense, Customer Acqui-sition Costs, Operational expenses, Labor ex-penses, Hosting for media purposes penyim-panan system and database.
Keys Partnership. The Bank has partners in carrying out its business, including (1) Customers, apart from being customers, customers can become partners. For example, as a promotional medium and so on. (2) Bank Indonesia, is the central bank of Indonesia that plays an important role in determining financial policy in the Republic of Indonesia and keeping finances stable. To provide banking finance reports, a credit reporting application system is needed. (3) The Financial Services Authority shall have a role in overseeing the activities of the financial services sector in order to create a fair, transparent system and protect the interests of customers or na-sabah. OJK also requires banks to provide reports on a certain basis. (4) External Audit, the bank also uses the services of an external audit company which is used to control and ensure that the banking process runs in accordance with the banking Standard Operation Procedure and can be accounted for. Because the bank business is the Trust or trust of the nasa-bah user of financial services. (5) Information Technology Vendor, In the implementation of banking operations, it is always supported by the information technology vendor, so that the bank can concentrate on carrying out banking activities. Of course, the vendor is given a binding agreement and maintains banking confidentiality. Every certain period of the agreement with the vendor is reviewed and audited from the bank to ensure information technology support from the vendor.

• Application Architecture
The application architecture describes the existing system in banking, but in this study it does not explain the entirety of the existing system in the bank. The reason is to maintain confidentiality in business in banking. But the general picture of banking is nasabah money storage, lending, promotion and low administry services. So that banks can channel credit to prospective debtors with low financial services. The information technology section classifies into seven sections as follows: (

I) System Executive Information, (II) System Payment, Audit, Reporting Bank Indonesia, (III) System Customer Relationship Management, (IV) System Core Business, (V) System Asset Management (VI) System Internet and Mobile Banking, and (VII) System Security, Support and Monitoring.
• System Executive Information, is a sys-tem that aims to provide summaries reporting of all banking ap-lication systems. A kind of dashboard manage-ment, so that banking leaders can find out information with the banking business. Because all application systems will boil down to this system. There are these two systems, namely AM1, Smart Executive Inventory, Asset and Ratio and AM2 Smart Executive Finance and Performance Report.

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Figure 3. Application Architecture
• System Payment, Audit, Reporting Bank Indo-nesia. It is an information system that is intended for banking activities with external parties. Such as: BJ 1. Smart Reporting Indone-sian Bank and OJK System. Which aims to report on credit activities and the use of nasbah fund collection (deposits, current accounts and ta-bungan). • System Customer Relationship Management. It is and information system that aims to serve customers or customers per-bank. The system is like DJ 1. Smart Portal, KPI and Sales Force, this system is also a medium for promoting banking products. DJ 2. Smart Cus-tomer Relationship Management, this system is a service to customers or customers-gan banking. • System Core Business. It is a collection of core systems of banking. One of the main services of Banking is fund collection and credit distribution. This application is useful for detecting cyberattacks or intrusions on Data Center devices in banking. Therefore, with this monitor application, it is expected to be able to detect cyberattacks in banks. DA 2. Network Monitoring. This application system is useful for monitoring the banking network, it is expected from this system to be able to monitor the network. DA 3. ATM Monitoring, this system is able to monitor the condition of the ATM machine, fill in the money at the ATM. From this monitoring information, the ATM money replenishment department can immediately replenish, as well as make repairs or maintenance to the ATM. DA 4. Device ATM System, Moni-toring. One of these monitorings is useful for monitoring equipment, such as monitoring the condition of ATM in the event of destruction or theft.

• Information Architecture
Information architecture is a system that tours the storage media from the activities generated by the application system. Because the grouping of datasets is very important, namely for maintenance needs and managing data-base Information architecture is functionally grouped in five main parts. The upper part is to carry out reporting activities or Executive In-formation System. There are two groups, the first group to present information on Inventory, Asset and Capital Adequacy Ratio per bank. The second

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Vol.2 No.1 June 2022 group is to present in-formation regarding Financé and Performance Re-port of banking. The right part of the information architecture is used for banking customer service, and there is a database relationship with the Executive Reporting database. The following is the informationon architecture related to bank customer service: Db 9. Internet banking, all activities related to internet banking are stored in the Internet Banking database. Included in the relationship between databases is also grouped in the customer database. DB 11 Virtual branch, this application system handles branch office problems virtually, the data-base is also connected to the core banking database. DB 13 ATM monitoring, DB 12 Queueu Teller management System, accommodates data flow from service queue activities with bank cashiers. The data center room already manages servers that are already in the cloud. Mainte-nance operations are also more efficient, where server storage technology does not provide large electrical power and a place for servers. In addition to the many advantages with the use of Cloud Computing, in addition to saving costs. Currently, using cloud com services is a trending and fairly easy device. No need to be afraid that data is leaked and lost data, because it has been done with strict and appropriate cyber security. The use of Intrusin Detection System (IDS) , Intrusion Detection System (IPS) can reduce the impact on data leakage. In the architecture of Cloud Computing technology used has three layers. The Infrastructure as a Service (IAAS) layer is a layer that manages infrastructure such as Management Indrastructure, Hardware (Server, Switch, Router, Power Electric, UPS and Stor-age The Implementation Governance stage is the stage of starting the implementation of the plan that was generated from the previous stage. Strate-ginya is the application ranging from preliminary, gap analysis, business architecture, application architecture, information architecture, technology architecture as well as op-portunities and solutions. Considering that the implementation of planning takes a lot of time, the step is the phasing of each planning.
The initial implementation stage can be done by preparing and evaluating the business architecture, because this architecture is related to the excitement of the banking business facing the industrial revolution of the 4.0 era. Banking adjustment is to modify and add features to today's evolving needs. Especially how to modify about the banking business according to the needs that are developing today and in the future.
The next stage is the application architecture and information architecture can be implemented simultaneously. The next stage is to mod-ify and add infrastructure, especially strengthening network and system security. Taha-pan architecture of this technology is absolute or as the main periority, considering that the per-bankan information system is accessed openly through the internet media.

CONCLUSION
The banking world in the face of the industrial revolution must make breakthroughs so as not to be abandoned by customers. Because currently the financial market is not only banks that can channel credit to the public. The presence of the Fintech industry adds to the competition to take the financial market. Moreover, the ease of facilities used by fintech is also increasingly favored by the public. Services start with the ease of paying for the transportation application system, online shopping, the ease of channeling credit, making the Fintech industry grow rapidly. If banking companies are not prepared to face the advancement of the Fintech industry, it is certain that the banking market is starting to be taken by its competitors. Nowadays, the Fintech industry is still taking the retail market, it does not mean that the corporate market is not taken. If banking is not ready, then in the future the corporate market can be taken by Fintech companies.
Preparation in the face of competition in the financial industry, resulting in companies having to make changes. Discussion of business architecture, application architecture, information architecture and technology architecture is aimed at facing the industrial revolution of the 4.0 era. In the technological architecture, it is also discussed about the security of systems and networks, considering that this industrial revolution has moved banks closer to society. So in protecting systems and networks, Cyber Security Hardening or strengthening is implemented for network and system security.
Implementation in implementing the architecture requires strategic steps and is structured so that in implementation, application systems and networks are not disturbed. A mature strategy will result in good planning and implementation. Considering that the banking system should not be disrupted in daily operations.