Indonesia companies have been running fast to exploit the possibilities of the World Wide Web, as a result, any thought that Indonesia will remain several steps behind other countries, especially United States, may well be proven inaccurate.
The very idea of following in the footstep of other countries was probably inaccurate for a variety of reasons, as e-commerce in Indonesia is likely to follow a different course. For one thing, the technological and cultural infrastructures are much different. More over, Indonesia players have had the benefit from seeing what has succeeded and failed in United States. The later entry of Indonesia companies into e-commerce also gives them the advantages of applying technology that has advanced considerably over the past two years.
The results, banking institution see an alternative market in today electronic era. Banking institution increasingly realizing they do not have an optimal mix of delivery channels and aware that, if they want to be a largest payment settlement in Indonesia, they have to build a lot of delivery channel like branches, ATM, internet banking and mobile banking. From the alternative delivery channel, their customer can enjoy the transaction with more efficient, fast and secure.
Today, developing an online and mobile banking solution, allows a bank to please both types of consumers while removing all of the costs associated with the development, distribution and support of client software. A well-designed solution will automatically allow users of the predominant consumer financial software packages, to access statements, pay bills and initiate transactions. At the same time, the system permits access via the Internet for customers who don't need full financial planning but want a full range of transaction and account access features such as bill payment, fund transfers and statement review. In both cases, the burden of client software support and development has shifted to either the web browser developer or the financial planning software developer. The bank is free to focus on the critical areas in which it can add value for its customers: back-end system functionality, product design, marketing and customer support.
Customer needs to have opportunity to actively interact with online and mobile banking services. Internet banking online and mobile banking services should seek to fulfill the following benefits that we know are important to the customers:
- Selection – A wide range of online and mobile banking services
- Accessibility – Customer can easily access, login and doing transaction through the good design and user-friendliness of internet banking online and mobile banking services. For online banking cases, using internet as user centric medium and customers expect internet solutions to respond instantaneously with real time data much like in an ATM environment. When it comes to the delivery of corporate banking services, a Web based system, for example, should enable a customer to track and monitor their banking activity and initiate payments any time of the day. Corporate customers will naturally expect integration of these channels to supplement Web services. On the corporate side, this is especially true for alert and notification related services.
- Personalize services – Some customers rather to go to the bank directly to have the “personal touch” services. internet banking online and mobile banking will equip its systems with CRM technology to personalize banking services.
- Security – A high level of Internet security plays an important role to ensure the quality of service delivery to the customers also have a strategic role in increasing customer confident and retention.
Online Banking
Table : Online Banking Services
Mobile Banking
- Product and Services Offering
- Online Banking
- Account balance
- Fund transfer
- Account statement
- Bill payment
- Saving deposit information
- Exchange rate currency
- Loan
- News update
- Products offering
- Bill statement
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