Kompas.com - 09/12/2021, 10:06 WIB
Isna Rifka Sri Rahayu,
Muhammad Idris
Tim Redaksi
Lihat Foto
Ilustrasi apa itu Bank Digital.(Shutterstock)
KOMPAS.com - Kemunculan bank digital di Indonesia semakin marak dengan memunculkan berbagai promo menarik untuk gaet nasabah baru. Pengertian bank digital adalah berbeda dengan bank yang memiliki layanan digital.
Bank digital adalah otomatisasi layanan perbankan konvensional. Apa itu bank digital memungkinkan nasabah bank untuk mengakses produk dan layanan perbankan melalui platform elektronik atau online.
Berdasarkan situs Tavaga, apa itu bank digital adalah mendigitalkan semua operasi perbankan dan menggantikan kehadiran fisik bank dengan kehadiran online. Dengan kata lain, menghilangkan kebutuhan nasabah untuk mengunjungi kantor cabang bank.
Istilah bank digital dan layanan online bank seringkali diartikan sama meski sebenarnya berbeda. Apa itu bank digital seluruh layanannya dilakukan secara online sedangkan layanan online bank adalah bank konvensional yang membuka layanan online untuk memudahkan nasabah.
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Bank digital adalah ditujukan untuk mendigitalisasi semua operasi bank baik operasi inti maupun non inti seperti onboarding nasabah, pelayanan akun bank, hingga penutupan akun bank. Tujuan utama bank digital adalah membuat kantor fisik bank tidak dibutuhkan lagi.
Secara kecanggihan teknologi, contoh bank digital jauh lebih besar dari bank konvensional. Namun biaya untuk membuat teknologi canggih ini sepadan dengan manfaatnya karena membuat nasabah lebih mudah.
Adapun manfaat apa itu bank digital adalah berdasarkan situs Tavaga sebaga berikut:
- Bank digital adalah memberikan kenyamanan untuk nasabah menggunakan layanan dari mana pun selama 24 jam.
- Apa itu bank digital memungkinkan pengguna mengatur pembayaran otomatis untuk tagihan utilitas reguler seperti listrik, gas, telepon, dan kartu kredit.
- Layanan bank digital tanpa ditempatkan di atas kertas sehingga nasabah dapat masuk ke akun kapan saja untuk memantau catatan transaksi akun.
- Contoh bank digital terintegrasi pembayaran dengan e-commerce.
- Transfer dana melalui bank digital adalah dapat mengurangi risiko mata uang palsu.
- Mudah dijangkau oleh daerah terpencil selama terhubung dengan akses internet.
- Dengan bantuan apa itu bank digital, pengguna dapat melaporkan dan memblokir kartu kredit yang salah tempat dengan mengklik tombol. Manfaat ini sangat memperkuat privasi dan keamanan yang tersedia bagi nasabah bank.
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KOMPAS.com/Bill Clinten Contoh bank digital adalah SeaBank.
Dengan mempromosikan masyarakat tanpa uang tunai, contoh bank digital membatasi peredaran uang hitam karena pemerintah dapat melacak pergerakan dana. Dalam jangka panjang, apa itu bank digital diharapkan dapat menurunkan permintaan pencetakan uang.
Dikutip dari situs resmi FEB UI, Ekonom Mirza Adityaswara menuliskan, bank digital adalah tidak mudah menggaet nasabah dalam waktu singkat.
Pasalnya, laba bank diperoleh dari menjaring deposit dan menyalurkannya sebagai kredit. Laba bank juga diperoleh dari pendapatan nonbunga, misalnya menyediakan jasa transfer, konversi valuta asing, dan layanan investasi.
Oleh karenanya, bank digital adalah berusaha bekerja sama dengan pihak lain dalam rangka membentuk ekosistem, misalnya ekosistem e-dagang, layanan transportasi, ekosistem petani, dan pengusaha mikro.
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Dengan terbentuknya ekosistem, diharapkan nasabah apa itu bank digital akan membuka rekening bank dan melakukan berbagai transaksi di rekening itu.
Pada prinsipnya bank digital adalah bank tanpa layanan kantor cabang, tanpa layanan ATM. Semua transaksi dilakukan secara online melalui telepon seluler. Karena bank digital berusaha membentuk ekosistem, penting sekali mempunyai sistem teknologi yang terkoneksi dengan sejumlah pihak agar terjadi interkoneksi dan interoperabilitas.
Saat ini contoh bank digital telah banyak bermunculan di Indonesia seperti Jenius dari Bank BTPN pernah populer tahun 2016 lalu, SeaBank, Bank Jago, dan Bank Neo Commerce.
Pada awal kemunculannya, contoh bank digital ini menawarkan berbagai promo menarik, misalnya suku bunga tinggi, gratis biaya admin dan transfer, hingga hadiah setiap berhasil mengajak satu nasabah baru.
Kendati demikian, perbankan konvensional juga tidak tinggal diam, beberapa bank konvensional ikut menjajakan layanan apa itu bank digital, seperti Digibank (DBS), TMRW (UOB), dan D-Save (Danamon).
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Dengan demikian apa itu bank digital rupanya berbeda dengan layanan online bank konvensional. Pasalnya, bank digital adalah tidak memiliki kantor fisik seperti bank konvensional.
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Tag
- apa itu bank digital
- bank digital adalah
- contoh bank digital
- 10 Tahun Lagi, Semua Bank Diproyeksi Jadi Bank Digital
- Selain Kejar Modal Inti, Fenomena Bank Digital Juga Dinilai Jadi Alasan Investor Masuk ke Bank Mini
- Bank Digital Bisa Percepat Pertumbuhan Ekonomi Syariah, Ini Alasannya
- Simak Daftar Bunga Simpanan Bank Digital, dari Jenius hingga Neobank
- Gubernur BI Proyeksi Transaksi Bank Digital Tembus Rp 48.000 Triliun pada 2022
Video rekomendasi
Video lainnya
Pilihan Untukmu
`); var wSpecStop = createElementFromHTML(`
Konten disembunyikan.
Muat ulang halaman untuk perbarui rekomendasi.
`); reactionPopup.querySelector('.buttonShare').setAttribute('data-title', item.title); reactionPopup.querySelector('.buttonShare').setAttribute('data-url', itemUrl); reactionPopup.querySelector('.buttonShare').setAttribute('data-campaign', 'AIML_Widget_Desktop'); let userFeedback = new UserFeedback(resultObj.engine['tracker_algsrc'], itemUrl + tracker_params, jxRecHelper, index); reactionPopup.querySelector('.buttonBookmark').addEventListener('click', function() { do_bookmark(itemUrl, index, userFeedback); }); reactionPopup.querySelector('.buttonShare').addEventListener('click', function() { userFeedback.event('share'); }); reactionPopup.querySelector('.buttonNotInterest').addEventListener('click', function() { if (getCookie('kmps_usrid')) { hideThisArt(this); userFeedback.event('not-interested'); } else { const parentAction = this.parentElement.parentElement.parentElement if (!!parentAction) { let indexElement = parentAction.getAttribute('data-index') if (indexElement != 'undefined') { localStorage.setItem('reaction_not_interest_temp', JSON.stringify({ urlpage: items[indexElement].url })) } } window.location.href = "https://account.kompas.com/login/a29tcGFz/" + btoa(window.location.href); } }); /** * trigger action "userFeedback" that user not interest item before, when not interest without login */ if (getCookie('kmps_usrid') && localStorage.getItem('reaction_not_interest_temp')) { const tempUrlNotInterest = JSON.parse(localStorage.getItem('reaction_not_interest_temp')) if (itemUrl == tempUrlNotInterest.urlpage) { userFeedback.event('not-interested'); localStorage.removeItem('reaction_not_interest_temp'); } } wSpecStop.querySelector('.wSpec-stop-undo').addEventListener('click', function() { showThisArt(this); userFeedback.event('un-not-interested'); }); recItem.appendChild(buttonOption); recItem.appendChild(reactionPopup); recItem.appendChild(wSpecStop); } var recItemWrapperA = createElement('a', null, null, null); recItemWrapperA.setAttribute('href', itemUrl + tracker_params); var titleDiv = createElement('h4', null, null, [cssClasses.title]); var titleTextNode = document.createTextNode(item.title); if (item.itemType == 'video') { var iconVideo = createElement('div', null, null, ['icoInline', 'icoVideo']); iconVideo.style.marginRight = '5px'; titleDiv.appendChild(iconVideo); } titleDiv.appendChild(titleTextNode); var sourceDiv = null; if (item.hasOwnProperty('method')) { sourceDiv = createElement('div', null, null, [cssClasses.source], resultObj.engine['type'] + ' . ' + item.method.toUpperCase()); } else { var sourceDiv = createElement('div', null, null, [cssClasses.source], resultObj.engine['type']); } var textWrapper = createElement('div', null, null, [cssClasses.text_wrapper]); textWrapper.appendChild(categoryDiv); textWrapper.appendChild(titleDiv); textWrapper.appendChild(sourceDiv); recItemWrapper.appendChild(imgWrapper); recItemWrapper.appendChild(textWrapper); recItemWrapperA.appendChild(recItemWrapper); recItem.appendChild(recItemWrapperA); widgetWrapper.appendChild(recItem); // hook up the click handler for this item // recItem.onclick = handleClick.bind(null, jxRecHelper, itemUrl + tracker_params, index); recItemWrapperA.onclick = handleClick.bind(null, jxRecHelper, itemUrl + tracker_params, index); }); } // end while var endDate = new Date(); var loadtime = (endDate.getTime() - startDate.getTime()); trackEventGa('AIML Article Recommendation', 'Content Loaded', 'algsrc='+algsrc+',site=MONEY,device=desktop,loadtime=' + loadtime) let domain = window.location.hostname; if(domain=='www.kompas.com'){ var url=window.location.href.split("/"); domain=url[2]+'/'+url[3] } let user_subs_type = "Gues"; let subs_type = ""; let is_lgn = 0; let engine = algsrc; if(getCookie('kmps_usrid')){is_lgn=1}; let time_load = loadtime; resolve(); /*** * JXRECSDK NOTES 3 of 5 - * pass all the info about the items to the rec helper * each one is an object: ALL MANDATORY * div * id * pos */ jxRecHelper.items(widgetItemArr); /*** * JXRECSDK NOTES 4 of 5 - * Call the ready() of the helper object when the recommendation * results have been populated to the widget * (This will register the action=ready event) */ if (resultObj.engine['type'] == 'api-1') { jxRecHelper.ready(resultObj.options.algo + ":" + resultObj.options.version); } else { jxRecHelper.ready(resultObj.engine['type']); } } else { jxRecHelper.error(204); console.error("Error: no recommendation items"); return; } } catch (err) { jxRecHelper.error(901); console.log(err.stack); let domain = window.location.hostname; if(domain=='www.kompas.com'){ var url=window.location.href.split("/"); domain=url[2]+'/'+url[3] } let user_subs_type = "Gues"; let subs_type = "" let is_lgn = 0; let engine = algsrc; if(getCookie('kmps_usrid')){is_lgn=1}; let endDate = new Date(); let time_load = (endDate.getTime() - startDate.getTime()); } }); } const _jxRecSdkURL = 'https://scripts.jixie.media/jxrecsdk.1.0.min.js'; var startDate = new Date(); class OneWidget { constructor() { //this is also the one we will pass to the JX rec helper object when //we instantiate it: //In this implementation most of these come from the options obj //on the publisher page. this._options = { accountid: '9262bf2590d558736cac4fff7978fcb1', pageurl: 'https://money.kompas.com/read/2021/12/09/100638326/apa-itu-bank-digital-dan-bedanya-dengan-layanan-online-bank', widget_id: '1000183-6xWeiWZFIM', type: 'pages', container: 'rekomendasi-konten-pilihan-untukmu-aiml', keywords: content_tags, title: title, customid: "26", count: 14, }; this._containerId = this._options.container; this._container = document.getElementById(this._containerId); this._engines = [{"url":"https:\/\/recommendation.kgdata.dev\/rec\/kompascom\/api\/v2\/recommendation\/item","method":"POST","pageurl":"https:\/\/money.kompas.com\/read\/2021\/12\/09\/100638326\/apa-itu-bank-digital-dan-bedanya-dengan-layanan-online-bank","system":"kg","type":"api-2","tracker_params":"?source=widgetML&engine=C","tracker_algsrc":"C","count":14,"page_status":"read","excludeitemids":["20211209100638326"],"multiFormat":true}]; } kickOff() { startDate = new Date(); const rand = Math.floor(Math.random() * 1000); /*const randSystem = Math.floor(Math.random() * 3); this._engine = this._engines[randSystem] if (location.hostname.indexOf('lestari') != -1) { this._engine = this._engines[1] }*/ this._engine = this._engines[0]; this._options.system = this._engine['system'] trackEventGa('AIML Article Recommendation', 'Widget load', 'algsrc=' + this._engine['tracker_algsrc'] + ',site=MONEY,device=desktop') let promJXSDK = fetchJSFileP(_jxRecSdkURL); let thisObj = this; // first we wait on the JX REC SDK to be loaded and initialized let recHelperObj = null; let recResults = null; promJXSDK .then(function() { /*** * JXRECSDK NOTES 1 of 5 - INSTANTIATION OF A JX REC HELPER OBJECT * Call this AFTER JX REC SDK is loaded but BEFORE you call your REC * backend. * * param: MANDATORY options object * options object must at a minimal have * accountid: get from jixie * widgetid: get from jixie * container: DIV ID of the destination div to house the widget * (for jixie widget this is just the options object passed from the page) * * (This will also register the action=load event) */ recHelperObj = jxRecMgr.createJxRecHelper(thisObj._options); let basicInfo = thisObj._options; basicInfo.engine = thisObj._engine if (basicInfo.engine.type == 'api-1') { var options = { count: basicInfo['count'], adpositions: "", keywords: basicInfo['keywords'], title: basicInfo['title'], date_published: "2021-12-09", pagecategory: "MONEY", algo: "mixed" }; if(getCookie('kmps_usrid')){ var kg = { pagetype:basicInfo.engine.page_status, uid:getCookie('kmps_usrid'), ukid:getCookie('kmp_uid') } if(basicInfo.engine.page_status=='read'){ kg['excludeitemids'] = basicInfo.engine.excludeitemids; kg['multiFormat'] = true; } options['additional'] = { kg:kg }; } return recHelperObj.getJxRecommendations(options); } else { return fetchRecommendationsP(basicInfo, recHelperObj.getJxUserInfo()); } }) .then(function(resp) { if (thisObj._engine.type == 'api-3') { recResults = new Object recResults.items = resp.docs.result; } else { recResults = resp; } recResults.engine = thisObj._engine; if (!resp || !recResults.items || recResults.items.length == 0) { /*** * JXRECSDK NOTES 2 of 5 - * Call the error() function on the recHelper when either an error * has occured in the fetching or there are no recommended items * * (This will register the action=error event) */ recHelperObj.error(204); throw "no recommendation results"; } }) .then(function() { // everything is ready (recommendation results, css): document.getElementById("rekomendasi-konten-pilihan-untukmu-aiml").classList.remove("-loading"); document.querySelector('.wSpec-list').remove(); createDisplay(rand, thisObj._container, recResults, recHelperObj) .then(function() { toggleDropdown(); //observe lozad lozad('.lozad', { load: function(el) { el.src = el.dataset.src; el.onload = function() { el.classList.add('fade') } } }).observe() }) }) .catch(function(error) { console.log(`Unable to create recommendations widget ${error.stack} ${error.message}`); }); } } var limit_gtm_ready = 1; function check_gtm_ready() { if ('ga' in window) { // create a new instance of our widget based on the options const newW = new OneWidget(); newW.kickOff(); } else { const timeout_gtm_ready = setTimeout(check_gtm_ready, 500) limit_gtm_ready += 1; if (limit_gtm_ready > 10) { clearTimeout(timeout_gtm_ready); const newW = new OneWidget(); newW.kickOff(); } } } check_gtm_ready() document.querySelector('.wSpec-secret').addEventListener('click', function(e) { e.preventDefault(); let wSl = document.querySelectorAll('.wSpec-source'); if (wSl.length > 0) { for (let i = 0; i < wSl.length; i++) { wSl[i].classList.toggle('show') } } }) function trackEventGa(category, action, label) { if ("ga" in window) { ga(function() { tracker = ga.getAll()[0]; if (tracker) { tracker.send("event", category, action, label); console.log('track event ', category, action, label) } }) } } function formBody(obj) { let formBody = []; for (var property in obj) { let encodedKey = encodeURIComponent(property); let encodedValue = encodeURIComponent(obj[property]); formBody.push(encodedKey + "=" + encodedValue); } return formBody.join("&"); } function getCookie(name) { var name = name + '='; var cookies = decodeURIComponent(document.cookie).split(';'); for (var i = 0; i < cookies.length; i++) { var c = cookies[i]; while (c.charAt(0) == ' ') { c = c.substring(1); } if (c.indexOf(name) == 0) { return c.substring(name.length, c.length); } } } function get_guid(url) { const videoPath = url.match(/\/watch\/(\d+)/); if (videoPath) { return `video.${videoPath[1]}`; } let arrayUrl = url.split('/'); let readPath = arrayUrl.indexOf('read'); if (arrayUrl[readPath + 1] == 'xml') { readPath += 1; } let year = arrayUrl[readPath + 1]; let month = arrayUrl[readPath + 2]; let date = arrayUrl[readPath + 3]; let id = arrayUrl[readPath + 4]; let guid = `.xml.${year}.${month}.${date}.${id}`; return guid; } function toggleDropdown() { let tdd = document.querySelectorAll('[data-dropdown]') if (!!tdd) { tdd.forEach((el) => { el.addEventListener('click', function() { el.parentElement.classList.toggle('-active') let saved = el.parentElement.getAttribute('data-saved') let kmps_usrid = getCookie('kmps_usrid'); if (kmps_usrid && !saved && el.parentElement.classList.contains('-active')) { let url = el.parentElement.getAttribute('data-url'); let guid = get_guid(url); check_bookmark( kmps_usrid, guid ).then(function(resp) { if (resp.hasOwnProperty('total_data')) { if (resp.total_data > 0) { el.parentElement.querySelector('.buttonBookmark').classList.add('-active'); el.parentElement.querySelector('.buttonBookmark').innerHTML = 'Hapus dari tersimpan'; el.parentElement.setAttribute('data-saved', 'true'); } else { el.parentElement.setAttribute('data-saved', 'false'); } } }) } }) document.addEventListener("click", function(e) { // console.log(e.target) if (el.contains(e.target)) { // console.log(tdd) } else { el.parentElement.classList.remove('-active') } }); }); } } function check_bookmark(kmps_usrid, guid) { let url = `https://api.kompas.com/2021/reaction/bookmark/list?kmps_usrid=${kmps_usrid}&guid=${guid}`; return new Promise(function(resolve, reject) { var xmlhttp = new XMLHttpRequest(); xmlhttp.onreadystatechange = function() { if (this.readyState == 4 && this.status == 200) { resolve(JSON.parse(this.responseText)) } }; xmlhttp.open("GET", url, true); xmlhttp.send(); }); } function do_bookmark(pageurl, pos, userFeedback) { const wSpecItem = document.querySelector(`.wSpec-item[data-index="${pos}"]`); const btnBookmark = wSpecItem.querySelector('.buttonBookmark'); const kmps_usrid = getCookie('kmps_usrid'); const guid = get_guid(pageurl); const type = pageurl.match(/\/watch\/(\d+)/) ? 'video' : 'article'; if (kmps_usrid) { if (btnBookmark.classList.contains('-active')) { set_unbookmark({ guid: guid, kmps_usrid: kmps_usrid, type: type }).then(function(resp) { btnBookmark.classList.remove('-active'); btnBookmark.innerHTML = 'Simpan artikel'; reactionToast('Artikel berhasil dihapus dari list yang disimpan'); userFeedback.event('un-save'); }).catch(function(resp) { // message: "Data doesn't exists" if (resp.hasOwnProperty('message') && resp.message.includes('exist')) { btnBookmark.classList.remove('-active'); btnBookmark.innerHTML = 'Simpan artikel'; reactionToast('Artikel berhasil dihapus dari list yang disimpan'); } }) } else { const user_bookmark_url = "https://activity.kompas.com/saved?order=desc"; set_bookmark({ guid: guid, kmps_usrid: kmps_usrid, type: type, publisher: 'kompas', platform: 'desktop' }).then(function(resp) { btnBookmark.classList.add('-active'); btnBookmark.innerHTML = 'Hapus dari tersimpan'; reactionToast('Artikel berhasil disimpan', user_bookmark_url); userFeedback.event('save'); }).catch(function(resp) { // message: "Data already exist" if (resp.hasOwnProperty('message') && resp.message.includes('exist')) { btnBookmark.classList.add('-active'); btnBookmark.innerHTML = 'Hapus dari tersimpan'; reactionToast('Artikel berhasil disimpan', user_bookmark_url); } }) } } else { const login_url = "https://account.kompas.com/login/a29tcGFz/" + btoa(window.location.href); window.location.href = login_url; } } function set_bookmark(data) { const url = "https://api.kompas.com/2021/reaction/bookmark/add"; return new Promise(function(resolve, reject) { const xmlhttp = new XMLHttpRequest(); xmlhttp.onreadystatechange = function() { if (this.readyState == 4 && this.status == 201) { resolve(JSON.parse(this.responseText)); } else if (this.readyState == 4 && this.status == 400) { reject(JSON.parse(this.responseText)); } }; xmlhttp.open("POST", url, true); xmlhttp.setRequestHeader("Content-Type", "application/x-www-form-urlencoded;charset=UTF-8"); xmlhttp.send(formBody(data)); }); } function set_unbookmark(data) { const url = "https://api.kompas.com/2021/reaction/bookmark/delete"; return new Promise(function(resolve, reject) { const xmlhttp = new XMLHttpRequest(); xmlhttp.onreadystatechange = function() { if (this.readyState == 4 && this.status == 200) { resolve(JSON.parse(this.responseText)); } else if (this.readyState == 4 && this.status == 400) { reject(JSON.parse(this.responseText)); } }; xmlhttp.open("POST", url, true); xmlhttp.setRequestHeader("Content-Type", "application/x-www-form-urlencoded;charset=UTF-8"); xmlhttp.send(formBody(data)); }); } class UserFeedback { constructor(engine, pageurl, jxRecHelper, pos) { this.engine = engine; this.pageurl = pageurl; this.jxRecHelper = jxRecHelper; this.pos = pos; } event(feedback) { if (this.engine == 'C') { const xmlhttp = new XMLHttpRequest(); let params = { domain: 'kompas.com', ce_userid: getCookie('kmps_usrid'), ce_sessionid: getCookie('ukid'), ce_pageurl: this.pageurl, engine: 'C', ce_feedback: feedback } xmlhttp.open("GET", 'https://apis.kgdata.dev/v1/aiml/feedback-widgetml' + formatParams(params)); xmlhttp.send(); } else if (this.engine == 'V') { if (feedback == 'share') { this.jxRecHelper.shared(this.pos); } else if (feedback == 'save') { this.jxRecHelper.bookmarked(this.pos); } else if (feedback == 'not-interested') { this.jxRecHelper.hidden(this.pos); } else if (feedback == 'un-not-interested') { this.jxRecHelper.unhidden(this.pos); } } } } function formatParams(params) { return "?" + Object .keys(params) .map(function(key) { return key + "=" + encodeURIComponent(params[key]) }) .join("&") } document.addEventListener("click", function(e){ let dx = document.querySelectorAll('[data-dropdown]') if(dx) { dx.forEach(function(el){ if(el.contains(e.target)) { el.parentElement.classList.toggle('-active') } else { el.parentElement.classList.remove('-active') } }) } })
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Berita Terkait
10 Tahun Lagi, Semua Bank Diproyeksi Jadi Bank Digital
Selain Kejar Modal Inti, Fenomena Bank Digital Juga Dinilai Jadi Alasan Investor Masuk ke Bank Mini
Bank Digital Bisa Percepat Pertumbuhan Ekonomi Syariah, Ini Alasannya
Simak Daftar Bunga Simpanan Bank Digital, dari Jenius hingga Neobank
Gubernur BI Proyeksi Transaksi Bank Digital Tembus Rp 48.000 Triliun pada 2022
I'm well-versed in the topic of digital banking, and I can provide insights into the concepts discussed in the article from Kompas.com. The article discusses the emergence of digital banks in Indonesia, highlighting their features, benefits, and the difference between digital banks and conventional online banking services. Here are the key concepts covered in the article:
-
Definition of Digital Bank:
- Digital banks automate conventional banking services, allowing customers to access products and services through electronic or online platforms.
- Digital banks aim to digitize all banking operations, replacing the physical presence of banks with online accessibility.
-
Distinguishing Digital Banks and Online Banking Services:
- While digital banks offer all services online, online banking services may be provided by conventional banks, making specific services available online for customer convenience.
-
Objectives of Digital Banks:
- The primary goal is to eliminate the need for physical bank branches.
- Digital banks focus on digitizing both core and non-core banking operations, including customer onboarding, account services, and account closure.
-
Technological Advancements and Examples:
- Digital banks leverage advanced technology, making them more sophisticated than traditional banks.
- Examples of digital banks in Indonesia include SeaBank, Jenius from Bank BTPN, Bank Jago, and Bank Neo Commerce.
-
Benefits of Digital Banking:
- 24/7 convenience for customers to access services from anywhere.
- Automatic payment setups for regular utility bills.
- Paperless transactions for easy monitoring of account transactions.
- Integration with e-commerce for seamless payments.
- Reduced risk of counterfeit currency.
- Accessibility in remote areas with internet connectivity.
-
Collaboration and Ecosystem Formation:
- Digital banks collaborate with other entities to form ecosystems, such as e-commerce, transportation services, farming communities, and micro-entrepreneurs.
- The goal is to encourage customers to open bank accounts and conduct various transactions within the digital ecosystem.
-
Evolution of Digital Banks in Indonesia:
- Digital banks like Jenius, SeaBank, Bank Jago, and Bank Neo Commerce have gained popularity.
- Traditional banks, such as Digibank (DBS), TMRW (UOB), and D-Save (Danamon), also offer digital banking services to stay competitive.
-
Challenges and Economic Impact:
- Acquiring customers quickly is challenging for digital banks, as their revenue comes from attracting deposits and channeling them into loans.
- Digital banks aim to contribute to the economy by limiting the circulation of black money and, in the long run, reducing the demand for physical currency.
-
Future Projections:
- The article mentions that digital banks are projected to become the norm in the next 10 years, with all banks transforming into digital entities.
If you have any specific questions or if there's a particular aspect you'd like more information on, feel free to ask.