Utilizing TOGAF 10 to Design an Enterprise Architecture for BPRBCo SME Digital Transformation

Digital Transformation (DT) has become a strategic imperative for Small and Medium Enterprise (SME) banks, including for Bank Perekonomian Rakyat (BPRBCo) in Indonesia, which often face constraints in infrastructure, technology adoption, and regulatory compliance. While prior research has underscored the importance of DT strategy and architecture for success in large banking institutions, how these insights apply to smaller-scale banks remains underexplored. This paper develops an Enterprise Architecture (EA) blueprint for BPRBCo, an SME-scale bank, following a Design Science Research approach that encompasses problem explication, requirement specification, design and development, demonstration, and evaluation. Data was collected through semistructured interviews and triangulated with internal documents. By employing the latest best practice TOGAF Standard 10th Edition from preliminary planning to migration, the study proposes an integrated architecture featuring core banking enhancements and loan management automation. The resulting blueprint, incorporated into BPRBCo's DT Strategy, provides a replicable roadmap for aligning technology investments with business objectives. This research contributes both theoretically by extending EA discourse to smaller-scale banking contexts— and practically by offering actionable guidance for BPR-scale organizations seeking to achieve successful DT despite limited resources.