Era Milenial, Perbankan Makin Digital

Era Milenial, Perbankan Makin Digital

SHARE

JAKARTA, Newsbisnis.com – Berapa banyak waktu sehari kamu habiskan di depan layar ponsel, komputer, ataupun gawai lain yang terkoneksi internet? Sering melewatkan percakapan tatap muka karena teralihkan ponsel? Percayalah, kamu tidak sendiri! Menurut psikolog Ratih Ibrahim di Wealth Wisdom yang digelar Permata Bank, karakteristik itu lazim pada generasi milenial yang berusia 18-29 tahun dan sangat terpapar gawai.

Karakteristik ini pun disadari industri perbankan. Mereka terus berinovasi agar layanan perbankan dengan teknologi digital dan sistem pembayaran yang cashless agar mampu menarik perhatian generasi muda. Salah satu inovasi yang dilakukan Bank Commmonwealth menarik ge­nerasi milenial ialah proses membuka rekening baru yang cepat. Umumnya proses membuka rekening bisa mencapai 1 jam, dari mengisi formulir, fotokopi data, pencetakan kartu ATM, dan verifikasi oleh petugas. Ketika buku rekening sudah jadi, kartu ATM yang diberikan biasanya belum aktif, tidak bisa langsung digunakan. Belum lagi untuk mendaftar SMS banking, internet banking, ataupun mobile banking harus ke kantor cabang.

Proses yang panjang itu, diakui Margaretha, karyawan swasta di Jakarta, membuat lelah banyak orang. “Saya biasanya harus terencana ke bank mau ngapain aja,” ujarnya. Jika ke bank, dia lebih memilih melakukan beberapa urusan sekaligus. Pernah ia memanfaatkan waktu makan siangnya ke bank, namun membatalkannya karena menemukan antrean yang terlampau panjang.

Kendala itu membuat anak perusahaan Commonwealth Bank Australia itu menghadirkan terobosan Tyme Digital, mesin pembuatan rekening baru dalam waktu 10 menit. Dalam waktu itu, nasabah langsung mendapatkan rekening baru, kartu ATM, SMS notifikasi, internet, dan mobile banking. Semuanya serbadigital, tanpa buku tabungan. Secara berkala, nasabah akan mendapatkan e-statement jadi pencetakan buku tabungan.

“Ini jawaban dari riset kami beberapa bulan soal kenapa generasi milenial kok males bikin rekening,” ujar Presiden Direktur Bank Commonwealth Lauren Sulistiawati dalam peluncuran Tyme Digital, di Jakarta, Rabu (2/8). Calon nasabah cukup membawa KTP-E dan NPWP. Perangkat ini juga dilengkapi pemindai kartu dan sidik jari. Bagi yang belum memiliki KTP-E, pengisian data KTP bisa dilakukan secara manual. Sayangnya setoran awal sebesar Rp500 ribu harus menggunakan kartu debit dari bank lain. Sehingga bagi calon nasabah yang belum memiliki rekening di bank lain, harus meminjam ke orang lain.

Ke depan, Tyme Digital bisa digunakan sebagai one stop service untuk berbagai layanan perbankan. Karena kecepatan layanan ini, Bank Commonwealth memecahkan rekor Museum Rekor Dunia Indonesia (Muri) dan dunia sebagai platform pembukaan rekening pertama di Indonesia yang dilakukan secara digital end to end dalam waktu 10 menit.

Tyme Digital sejak Mei ini telah diuji coba. Ada tiga mesin dipasang di kantor cabang Bank Commonwealth, sedangkan 15 mesin dipasang di ruang-ruang publik seperti pusat perbelanjaan, restoran. Sejauh ini, lebih dari 500 rekening baru telah dibuat menggunakan Tyme Digital. Head of Corporate Strategy & Digital Solutions Bank Commonwealth Rian Kaslan mengungkap riset pengembangan Tyme Digital yang menghabiskan dana US$5juta itu dilakukan selama tiga tahun di luar negeri dan setahun di Indonesia.

Integrasi
Inovasi juga dilakukan Permata Bank dengan aplikasi Permata Mobile. Sehingga nasabah bisa memeriksa limit kartu kredit, laporan tagihan, serta informasi transaksi terkini secara terperinci. Tak hanya itu, dengan teknologi SmartCX, tidak hanya kartu kredit, tapi juga mengintegrasikannya dengan aplikasi tabungan. Jadi satu aplikasi, bisa menampilkan beberapa akun nasabah sekaligus.

Karena bersifat realtime, keamanan nasabah bisa lebih terjamin. Transaksi apa pun yang terjadi, akan tampil dalam notifikasi di aplikasi. Bahkan untuk mengatur transfer uang rutin, jadwalnya bisa diubah di aplikasi. Dengan Permata Mobile, nasabah bisa melakukan penarikan tunai di mesin ATM tanpa kartu.
Butuh uang tunai, tapi hanya punya kartu kredit Permata, lewat aplikasinya Anda juga bisa mengajukan dana tunai hingga 50% dari sisa limit yang tersedia dari kartu kredit. Kalau mau mengajukan kenaikan limit sementara saat darurat, bisa dilakukan lewat aplikasi.

Direktur Retail Banking Permata Bank Bianto Surodjo berpendapat, kelas milenial merupakan segmen pasar yang potensial. “Walaupun saat ini mereka pada stage early-carreer, dalam 5-10 tahun ke depan akan menjadi pemain utama di dunia industri,” jelasnya. Permata Mobile, Permata Net, maupun digitalisasi dari layanan di cabang-cabangnya. Untuk Permata Mobile, pada 2016 mereka meluncurkan SmartCX. “Relaunching tersebut mendapatkan sambutan yang sangat positif, hampir 70% nasabah Permata Bank telah mendaftarkan PMobile dengan tren yang terus meningkat dari waktu ke waktu,” ungkapnya.

Guna memahami tren yang berubah, Permata Bank melakukan pemantauan, riset dan analisis dari waktu ke waktu. Dalam situasi yang maju seperti sekarang, diperlukan kecepatan inovasi, jadi mereka memiliki beberapa anggota tim yang inovatif, yang selalu meluncurkan ide-ide atau fitur-fitur baru dari waktu ke waktu. Sebagai contoh, inovasi SmartCX diluncurkan hanya kurang dari setahun dari mulai riset, perencanaan, pengembangan, dan uji coba.

Ke depan, inovasi yang sedang dipersiapan kebanyakan adalah pada area digital banking, terutama dalam hal bagaimana agar seluruh akses perbankan dapat diakses dalam waktu 24 jam, di mana saja, serta untuk produk apa pun. “Ke depannya, kecepatan dan kemudahan nasabah akan menjadi fokus kami,” katanya kepada Media Indonesia, kemarin.

Sumber : Media Indonesia

39 COMMENTS

  1. Wonderful goods from you, man. I’ve consider your stuff previous to and you’re simply extremely great. I actually like what you’ve acquired right here, really like what you are stating and the best way in which you are saying it. You make it entertaining and you still care for to keep it sensible. I can’t wait to read much more from you. This is actually a tremendous website.

  2. Oneself should in direction of be a aspect of a contest for 1 of the greatest excellent web-sites upon the net. I’m likely toward suggest this web site!

  3. Good site! I really love how it is simple on my eyes and the data are well written. I am wondering how I could be notified whenever a new post has been made. I have subscribed to your RSS which must do the trick! Have a great day!

  4. you are actually a good webmaster. The website loading speed is incredible. It kind of feels that you are doing any unique trick. In addition, The contents are masterpiece. you have performed a magnificent activity on this topic!

  5. You’re totally correct! I really liked reading through this info and I will return for more as quick as possible. My own website is about how to attract younger ladies, you might take a look if you are interested in that.

  6. Having that much written content do you somehow get any issues of copyright violation? My site has lots of unique content I’ve created myself or outsourced but it seems a lot of it is popping it up all over the internet without my authorization. Do you know any ways to help reduce content from being stolen? I’d certainly appreciate it.

  7. Hmm it appears like your site ate my first comment (it was super long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog blogger but I’m still new to everything. Do you have any recommendations for newbie blog writers? I’d certainly appreciate it.

  8. I am seriously enjoying the theme of your site. Do you ever face any kind of browser compatibility issues? Quite a few of my own site visitors have lamented concerning my how to track a mobile number website not operating correctly in Explorer but looks fantastic in Opera. Have you got any kind of suggestions to assist repair the matter?

  9. Great post. I used to be checking continuously this blog and I’m inspired! Extremely useful info specially the remaining section 🙂 I deal with such information much. I used to be looking for this certain information for a very long time. Thank you and best of luck.

  10. I’m impressed, I have to say. Really rarely do I encounter a blog that’s each educative and entertaining, and let me let you know, you’ve got hit the nail on the head. Your notion is outstanding; the problem is something that not sufficient persons are speaking intelligently about. I am pretty happy that I stumbled across this in my search for some thing relating to this.

  11. I like the helpful info you provide in your articles. I will bookmark your weblog and check again here frequently. I’m quite certain I will learn a lot of new stuff right here! Good luck for the next!

  12. This really is the right weblog for anybody who wants to locate out about this subject. You comprehend so considerably its pretty much tough to argue with you (not that I really would want…HaHa). You definitely put a brand new spin on a topic thats been written about for years. Terrific stuff, just great!

  13. Wow! This could be one particular of the most useful blogs We’ve ever arrive across on this subject. Basically Magnificent. I’m also a specialist in this topic so I can understand your hard work.

  14. Great work! This is the type of info that should be shared around the net. Shame on Google for not positioning this post higher! Come on over and visit my website . Thanks =)

  15. Hey there, I think your website might be having browser compatibility issues. When I look at your blog in Ie, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, awesome blog!

  16. hello!,I love your writing very a lot! proportion we keep in touch more about your post on AOL? I require an expert in this house to resolve my problem. May be that’s you! Having a look forward to peer you.

  17. I am truly loving the theme/design of your information site. Do you encounter any browser interface issues? Quite a few of my blog visitors have lamented regarding my homework help site not operating effectively in Explorer but looks amazing in Firefox. Are there any kind of ideas to aid correct that situation?

  18. While searching for some information over web, I came across this wonderful blog.
    I must say that your blog has an excellent content.
    Also, design is impressive. I am impressed with your work.
    Keep up the good work 🙂

  19. Hey! This post couldn’t be written any better! Reading through this post reminds me of my previous room mate! He always kept chatting about this. I will forward this article to him. Fairly certain he will have a good read. Many thanks for sharing!

  20. Hey sehr nette Webseite !! Guy .. Schön .. Wunderbar .. Ich werde Ihre Website bookmarken und die Feeds auch nehmen … Ich bin froh, so viele hilfreiche Infos zu suchen, die hier in der Publikation sind, wir brauchen mehr Strategien in dieser Hinsicht, danke für den Austausch .

  21. Greetings, I am truly thrilled I discovered your blog, I basically encountered you by mistake, when I was researching on Bing for facetime for pc. Anyways I’m here right now and would simply enjoy to say thank you for a incredible blog post and the all-round interesting blog (I likewise like the theme), I don’t have sufficient time to go through it entirely at the minute yet I have bookmarked it and even added in your RSS feed, so whenever I have sufficient time I’ll be returning to browse more. Please do continue the wonderful work.

  22. I arrived right here from some other page related to wifi router settings and considered I might as well look into this. I really like what I see so now I am following you. Getting excited about looking over the blog back again.

  23. I unquestionably like your website and find a lot of your posts to be just what I am interested in. Would you offer guest writers to post articles for you? I would not mind creating a post regarding bluestacks free download or possibly on most of the subjects you’re writing about on this website. Great internet site!

  24. I was talking to a friend of mine on this article and even regarding omega xl rating too. I believe you made a number of great points here, we’re looking forward to find out more information from you.

  25. You are absolutely correct! I loved reviewing this article and I will certainly come back for more as quick as possible. My own site is about download garageband free, you can take a look if you are interested in that.

LEAVE A REPLY