Analysis Telco Branchles Banking in Indonesia
Analysis Telco Branchles Banking in Indonesia
Author : SONY SASONGKO; ALDILLA IRADIANTY Published on : Global Illuminator
Abstract
Branchless Banking service has now been adopted by more than 100 countries with the aim of expanding the range of financial services. In our State Bank of Indonesia made a series of policies related to the increase in Branchless Banking in the hope of people who have not been affordable banking services have the ease in gaining access to banking services in order to improve the movement of the local economy that contribute to the national economy. In addition, the increasing sales and use of mobile phones in Indonesia and the development of technology, the integrated telecom service with banking services seems suitable to be developed in Indonesia, with a high population and the spread of a spacious residence Telco Branchless Banking or abbreviated to T-Bank became one of a very attractive alternative because the public can make transactions just by exchanging information phone account number and also can withdraw funds at offices close to the residence or place of business is located. This topic is very interesting given that the collaboration between the two industries, namely the telecommunications industry and the banking industry so this paper will be analyzed strengths, weaknesses, opportunities, and threats telco branchless banking services in Indonesia. The result for strength point is telco Branchless Banking can be done without having a bank account, Support from our government, resources infrastructure for this service, highest number of market penetration smartphone and the market for this service. Weakness point is less know your customer principle as the banking officer, the user must be extra careful because text the message is easy as SMS, trusty to the agent, an identification the agent blow up the data.
