Admission
Business Risk and Finance (BRF)

    KK BRF Roadmap 2025–2030

    The Business Risks and Finance (BRF) Research Group (Kelompok Keahlian/KK BRF) at SBM ITB has developed the 2025–2030 Roadmap as a strategic direction for advancing research, education, and policy contributions in response to the transformation of the global economic and financial landscape.

    The roadmap positions KK BRF as an academic center of excellence that integrates technology, risk, ethics, Islamic finance, and sustainability to foster a financial ecosystem that is intelligent, inclusive, and accountable.

    The Future We Are Responding To

    The future financial landscape is moving toward increasingly digital, autonomous, and data-driven systems. Developments in artificial intelligence (AI), fintech, agentic finance, real-time auditing, ESG, Islamic finance, and risk governance are creating a growing need for research that can explain, anticipate, and responsibly guide these transformations.

    Our Research Architecture

    The KK BRF Roadmap is built upon the integration of several key domains, including regulation, economics, corporate finance, startup development, Islamic finance, financial finance, and behavioral finance.

    These domains are interconnected to produce research that is not only academically rigorous, but also relevant to industry, regulators, and society.

    Roadmap Journey 2026–2030

    2026 — Foundation & Early Experimentation

    The initial phase focuses on establishing foundations for transparency, accountability, and AI governance within financial systems. During this stage, KK BRF initiates early experiments involving digital twins, blockchain for social assistance, bias mitigation in Islamic financial services, and digital regulation agendas.

    Key Focus:

    • Transparency mandate
    • Digital twin experimentation
    • Sharia AI bias mitigation
    • Digital regulation agenda

    2027 — Institutionalization & Model Development

    The second phase focuses on strengthening prudential standards, developing AI-based economic models, and examining the impact of technology on productivity, economic equity, and energy system stability. The roadmap begins to move from conceptual development toward operational frameworks.

    Key Focus:

    • AI governance
    • Professional skepticism
    • Productivity and inequality studies
    • Ethical energy finance

    2028 — Integration & Behavioral Intelligence

    In 2028, the roadmap enters a phase of integration between data, behavior, and sustainability. Research focuses on behavioral nudges for sustainable investment, big-data-driven energy economics, behavioral accounting, and systemic risk simulation standards.

    Key Focus:

    • Sustainable investment nudges
    • Behavioral accounting
    • Energy economics
    • Financial market simulation

    2029 — Real-Time Governance & Accountability

    This phase emphasizes the consolidation of oversight and accountability systems. Research is directed toward real-time audit testing, automated risk metrics, business trust scores, and fintech business health. The goal is to build a more transparent digital financial system that can be continuously monitored and governed.

    Key Focus:

    • Real-time auditing
    • Automated risk metrics
    • Business trust score
    • Fintech sustainability

    2030 — Standardization & Policy Dissemination

    The final phase focuses on the consolidation and dissemination of research outcomes. Findings are directed toward policy recommendations, regional standards, fintech compliance frameworks, and blueprints for strengthening digital financial markets and governance.

    At this stage, KK BRF aims to make a broader contribution to national and regional policy development.

    Key Focus:

    • Policy dissemination
    • Trust standards
    • Fintech compliance
    • Regional financial governance

    Expected Impact

    The KK BRF Roadmap 2025–2030 is designed to generate impact across three key levels.

    Academic Impact
    The roadmap strengthens interdisciplinary research agendas and supports the development of high-quality, reputable scholarly publications.

    Industry Impact
    The roadmap contributes to the development of risk models, ESG frameworks, and more precise governance approaches for industry.

    Policy Impact
    The roadmap supports the development of data-driven policy recommendations aimed at building a financial system that is transparent, resilient, ethical, and sustainable.

    Members

    Head: Prof. Deddy Priatmodjo Koesrindartoto, Ph.D.
    Anggoro Budi Nugroho, S.E., M.A.B.
    Acip Sutardi, S.E., M.Si.
    Ana Noveria, S.E., M.B.A., Ph.D
    Dr. Ir. Asep Darmansyah, M.Si.
    Dzikri Firmansyah Hakam, S.T., Pg.Dip., M.Sc., Ph.D.
    Dr. Isrochmani Murtaqi, S.E., M.Acc.
    Jagat Prirayani, S.T., M.Sc., Ph.D.
    Kurnia Fajar Afgani, MBA
    Mandra Lazuardi Kitri, ST., MBA 
    Dr. Eneng Nur Hasanah, S.MB., M.S.M.
    Oktofa Yudha Sudrajad, Ph.D
    Dr. Raden Aswin Rahadi
    Dr. Ir. Subiakto, M.B.A., RFA, QWP, CFP
    Prof. Sudarso Kaderi Wiryono, Dr., DEA
    Dr. Sylviana Maya Damayanti, ST., MBA., CFP®., CWM®., CRGP
    Taufik Faturohman, PhD
    Tuntun Salamatun Zen, SE.,M.Si.,Ak
    Dr. Yunieta Anny Nainggolan