Era Milenial, Perbankan Makin Digital

Era Milenial, Perbankan Makin Digital

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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

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