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Ini Peluang dan Tantangan Digitalisasi Industri Perbankan di Era Endemi

Laju digitalisasi perbankan semakin cepat. Hal ini tidak terlepas sejak dimulainya pandemi, di mana transaksi digital meningkat seiring preferensi masyarakat dalam berbelanja online dengan sistem cashless akibat pembatasan mobilitas. Mengutip data Bank Indonesia pada Maret 2021, terjadi peningkatan volume transaksi digital banking hingga 20,8% YOY (year on year). Selain itu, transaksi digital banking juga mengalami kenaikan 19% menjadi Rp 32.206 triliun pada tahun 2021. 

Digitalisasi perbankan dilakukan melalui layanan-layanan yang memudahkan nasabah untuk melakukan transaksi Peer-to-Peer (P2P), Consumer-to-Business (C2B), dan Business-to-Consumer (B2C) secara bersamaan dan lebih mudah. Namun di balik kemudahannya, terdapat sejumlah tantangan bagi industri perbankan untuk men-digitalisasi layanan. Apa saja tantangan dan dampak transformasi digitalisasi di industri perbankan? Lengkapnya, simak artikel berikut. 

4 Tantangan Digitalisasi Perbankan

Tantangan Digitalisasi Perbankan 

Pandemi telah mengubah perilaku dan orientasi masyarakat, dari sebelumnya physical economy menjadi virtual economy. Kondisi ini menimbulkan percepatan dan momentum perubahan pada berbagai aspek kehidupan masyarakat, termasuk perilaku dalam bertransaksi keuangan.  

Industri perbankan dipaksa untuk melakukan akselerasi transformasi digital dan melakukan inovasi yang luar biasa dan bekerja secara efektif, efisien, dan produktif agar dapat memenuhi ekspektasi dan kebutuhan nasabah.  

OJK mengingatkan kalangan perbankan nasional bahwa ada sejumlah tantangan yang harus dihadapi dengan cermat dan hati-hati agar potensi digitalisasi perbankan dapat dimanfaatkan secara lebih maksimal. OJK mencatat setidaknya ada empat tantangan utama bagi industri perbankan nasional untuk dapat mengembangkan business model dalam digitalisasi layanan perbankan. Berikut, di antaranya. 

1. API Attack

API Attack diprediksi akan menjadi serangan yang paling sering terjadi di tahun 2022, API Attack adalah serangan berupa penyalahgunaan, pelanggaran akses API, dan serangan bot yang salah satunya dapat mengancam keselamatan data nasabah pada aplikasi internet banking. 

API Attack menjadi serangan yang akan meningkat, karena bank saat ini banyak menggunakan open banking pada aplikasi. Open banking memungkinkan bank memberikan akses informasi dan transaksi kepada nasabah. Jika tidak diperhatikan dengan baik, data penting nasabah dapat menjadi sasaran pencurian oleh hacker. 

2. Infrastruktur IT 

Infrastruktur IT yang tangkas akan memudahkan adaptasi perbankan terhadap kanal-kanal baru digital seperti mobile apps, internet banking, pembayaran e-commerce, dan lainnya. 

3. Konektivitas Jaringan 

Bank perlu meningkatkan konektivitas yang stabil guna memberikan pengalaman bertransaksi yang baik kepada seluruh nasabah. Konektivitas yang buruk akan  berpengaruh kepada kepuasan nasabah dan reputasi bisnis. 

4. Integrasi Sistem Pembayaran

Perbankan harus bisa mempercepat integrasi ekosistem industri sistem pembayaran secara end-to-end dari perbankan digital, fintech, e-commerce, dan konsumen. 

Dari segi regulasi, menyikapi permasalahan integrasi sistem pembayaran, Bank Indonesia  meluncurkan transformasi digital pada infrastruktur sistem pembayaran agar dapat diakses melalui aplikasi yang disediakan industri sistem pembayaran. 

Implementasi BI-Fast oleh bank kepada nasabahnya akan dilakukan secara bertahap sesuai dengan rencana bank dalam mempersiapkan kanal pembayaran bagi nasabahnya masing-masing. 

Baca Juga:
Respons Transformasi Digital, Cek Solusi Terbaik Industri Distribusi 

Tren BI-Fast Mulai Diadopsi Perbankan di Indonesia

 Bi-Fast Digitalisasi Perbankan 

BI-Fast merupakan infrastruktur sistem pembayaran disediakan Bank Indonesia yang dapat diakses melalui aplikasi untuk memfasilitasi transaksi pembayaran ritel bagi masyarakat dan mengintegrasikan ekosistem industri sistem pembayaran secara end-to-end. 

Melalui sistem pembayaran tersebut, bank sentral menawarkan berbagai keunggulan bagi bank, peserta ataupun nasabah. Mulai dari waktu penyelesaian transaksi lebih cepat, keamanan lebih tinggi, hingga tarif transaksi yang lebih murah. Sistem BI-Fast menawarkan tarif transfer antar bank sebesar Rp 2.500 per transaksi, lebih murah dibanding Sistem Kliring Nasional BI (SKNBI) sebesar Rp 6.500 per transaksi.  

Dengan berbagai keunggulan yang ditawarkan tersebut, bank sentral berharap, implementasi BI-Fast dapat mempercepat digitalisasi industri perbankan. Harapan tersebut juga diamini oleh perbankan nasional.  

Kehadiran BI-Fast diharapkan dapat mempercepat pertumbuhan transaksi digital perbankan. Implementasi BI-Fast ditargetkan dapat mendongkrak volume transfer lintas bank. Hal ini merupakan dampak positif dari menurunnya tarif transfer antar bank.  

Hal ini tentu saja menjadi angin segar bagi digitalisasi industri perbankan. Akan tetapi, penerapan BI- Fast dihadapkan dengan tantangan ketersediaan infrastuktur server yang kuat untuk mendukung sistem pembayaran secara real-time, aman, efisien, dan tersedia setiap saat.  Lantas, apa solusi dari berbagai tantangan digitalisasi perbankan? 

Rangkaian Solusi Helios Menjawab Tantangan Digitalisasi Perbankan Indonesia

Solusi dari Helios akan membantu digitalisasi perbankan yang efisien dan memberikan nilai tambah sehingga perbankan dapat meningkatkan layanan kepada nasabah secara efektif.  

Percepatan digitalisasi perbankan ini juga  untuk meningkatkan efisiensi layanan perbankan dan menghemat biaya operasional. Selain itu, untuk dapat menjangkau nasabah lebih banyak dan meningkatkan daya saing antar industri perbankan maupun lintas industri di tengah kompetisi yang tak terbatas.  

Berikut rangkaian solusi infrastruktur digital dari Helios untuk mengoptimalisasi layanan digital untuk digitalisasi industri perbankan. 

Server HPE 

HPE memiliki teknologi server yang dapat menunjang BI-Fast dengan performa tinggi, meningkatkan pengalaman pengguna dengan mengurangi  downtime, layanan terpusat yang dapat diakses dari mana saja secara real time dan mendukung regulasi Bank Indonesia. 

Aruba SD-Branch

Lambatnya konektivitas membuat aktivitas perbankan serba terbatas, hingga berimbas pada ketidakpuasan nasabah. 

Bank perlu meningkatkan konektivitas stabil guna memberikan pengalaman bertransaksi yang baik kepada seluruh nasabah. Konektivitas yang buruk akan sangat berpengaruh kepada kepuasan nasabah dan reputasi bisnis. 

Aruba SD-Branch adalah solusi bagi bisnis perbankan untuk mendapatkan konektivitas jaringan yang stabil di kantor pusat hingga kantor cabang.  

Dengan dukungan Aruba SD-Branch, bank dapat meningkatkan pengalaman transaksi digital dengan lebih mudah dan efektif. 

Cloudflare API Shield 

Cloudflare API Shield adalah solusi untuk mencegah terjadinya API Attack dengan memastikan API tetap terjaga dan produktif berkat pertahanan berlapis. Adapu beberapan benefit mengunakan sistem keamanan API Anda menggunakan Cloudflare API Shield, Sebagai berikut: 

  1. API Discovery, menemukan dan memantau endpoint API Anda. 
  2. Layer 7 Security, mencegah serangan yang merusak seperti DDoS dan percobaan paksa. 
  3. Mutual TLS, menyediakan autentikasi untuk mobile dan API IoT. 
  4. Positive API Security, memproteksi API dengan menerapkan skema OpenAPI secara otomatis. 
  5. API Abuse Protection, menghentikan penyerangan API dengan advanced anomaly detection. 
  6. Sensitive Data Protection, menghindari kebocoran data dengan secara terus menerus memindai data penting. 

Baca Juga:
Pentingnya Customer Engagement Solution Untuk Meningkatkan Pertumbuhan Bisnis Anda

Helios sebagai IT Solutions Provider untuk Industri Perbankan di Indonesia

Saatnya mulai digitalisasi industri perbankan dengan solusi server HPE dan Aruba SD-Branch dari Helios untuk meningkatkat performa terbaik untuk server BI-Fast agar konektivitas jaringan stabil.  

Dapatkan kedua solusi tersebut di Helios Informatika Nusantara (HIN). Helios sebagai authorized partner Hewlett Packard Enterprise (HPE) dan Aruba SD-Branch di Indonesia akan membantu perusahaan mulai dari tahap konsultasi, deployment, hingga dukungan after sales.    

Tim IT profesional dan tersertifikasi Helios juga akan membantu Anda menghindari trial and error. Cari tahu lebih lanjut mengenai penerapan teknologi di industri perbankan dengan menghubungi kami melalui [email protected].  

Penulis: Ary Adianto   

Content Writer CTI Group

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You hereby grant Helios Informatika Nusantara a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

 

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The following organizations may link to our Website without prior written approval:

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These organizations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organizations:

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We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Helios Informatika Nusantara; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to Helios Informatika Nusantara. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

  • By use of our corporate name; or
  • By use of the uniform resource locator being linked to; or
  • By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of Helios Informatika Nusantara’s logo or other artwork will be allowed for linking absent a trademark license agreement.

 

iFrames

Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.

 

Content Liability

We shall not be hold responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

 

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amen these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

 

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

 

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

  • limit or exclude our or your liability for death or personal injury;
  • limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  • limit any of our or your liabilities in any way that is not permitted under applicable law; or
  • exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

PRIVACY POLICY

At PT Helios Informatika Nusantara, ensuring the privacy and security of your information is of utmost importance to us. As you navigate through our website, https://www.helios.id/, collectively referred to as this “Website”, we strive to create a safe and trustworthy environment for all users. This Privacy Policy establishes the terms governing your use of our website between you (“you” or “your”) and [Helios Informatika Nusantara]. By accessing our website, you acknowledge that you have reviewed, understood, and consent to be bound by this Privacy Policy.

Information We Collect

When utilizing or engaging with our Website, we may gather or receive various types of information, collectively referred to as “Information”, including but not limited to:
  1. “Personal Information,” such as your name, email, contact details, or any other personal content provided to us via forms on our website or other means of communication (e.g., email, phone, mail, etc.).
  2. “Technical Information,” such as browser type, operating system, device type, IP address, and similar technical data typically obtained automatically from browsers or devices when interacting with our Website. This may also encompass the referring URL that directed you to our website.
  3. “Usage Information,” such as the pages visited on our website, click activity, searches conducted, and other related data on how you have utilized our website. This category may also encompass details regarding your interaction with emails, including whether you opened, clicked on links, or received them.
We acknowledge that certain Technical Information or Usage Information may be considered personal data, either independently or when combined with other data, under various laws and jurisdictions. We are committed in handling such data in accordance with applicable laws and regulations.

The Methods We Use to Collect and Receive Information

Depending on the type of Information, we collect or receive it through various channels, including but not limited to the following conditions:
  1. When you voluntarily share Information with us. For instance, when you subscribe to our newsletter or fill out our online form to request contact.
  2. By using cookies and similar technologies. These technologies help us analyze how our Website is utilized and tailor content that is pertinent to you. They also assist in delivering more relevant advertisements on our own or third-party sites.
  3. Information obtained from third-party sources. This encompasses Information acquired through various business support tools and services we utilize, such as Website, analytics services, etc., as well as public sources like social media sites. We may merge the Information from these sources with other data we possess to maintain updated records and provide you with pertinent content.

The Purposes

We utilize Information for the following purposes:
  1. Processing your inquiries and responding to your requests, such as when you reach out to learn more about our products or services.
  2. Sending you information related to our services and products that we believe may be of interest to you, such as an invitation to our upcoming events, follow-up by WhatsApp blast and/or call, newsletters, or updates on products and services. These communications are sent to you either based on your explicit consent or when we have a legitimate interest in marketing our products and services. You always have the option to optout of receiving invitation, newsletters, and/or updates on products and services.
  3. Understanding how you interact with our Website and tailoring it to align with your interests, past actions, and preferences. We do this to enhance our Website, diagnose any issues, and improve your experience while navigating through them.
  4. Preventing fraud or harm to us or any third party, and ensuring the security of our network and services, which is in our legitimate interest.
  5. Complying with our legal obligations and exercising and enforcing our legal rights as necessary for PT Helios Informatika Nusantara.
  6. Utilizing certain third-party marketing and advertising networks to assist in marketing our products on our website and third-party Website.

Who We Share Information With

To facilitate our business operations and the functioning of our Website, we may disclose Information to various third parties, including:
  1. Our global branches and subsidiary companies.
  2. Third-party service providers aiding in the operation of our Website, such as hosting companies, recruitment platforms and agencies, payment processors, business management,and email distribution service providers, and similar service providers. These entities are authorized to use your personal information solely to provide these services to us.
  3. When compelled by law, such as to comply with court orders, search warrants, regulatory orders, subpoenas, and other lawful requests from public authorities, including those for national security or law enforcement purposes.
  4. Legal authorities, consultants, advisors, or service providers required to investigate, respond to, or prevent fraud, or to ensure the security of our network and services and safeguard the well-being of PT Helios Informatika Nusantara or the public.
  5. In the event of a merger and/or acquisition involving PT Helios Informatika Nusantara, Information may be transferred to the merging or acquiring entity, as well as to any advisors representing parties involved in discussions related to such merger or acquisition.
  6. Principal, resellers, partners, sponsors, or service providers acting on our behalf in conjunction with the offering of PT Helios Informatika Nusantara]’s products or services.
  7. Third-party marketing and advertising networks assisting in the promotion of our products on our Website and on third-party websites, such as Google for remarketing ads across the Internet.
  8. PT Helios Informatika Nusantara may also disclose general aggregate and anonymized information (e.g., statistical data) pertaining to the use of its Website.

Cross Border Data Transfers

  1. We may need to transfer Information to countries where we and/or our service providers operate. These countries may have different data protection laws compared to the country where the data originated, potentially offering different levels of protection. By using our Website, you consent to such transfers. In cases where applicable to the services provided, we will establish agreements with our service providers to ensure a level of privacy consistent with the terms of this policy.
  2. Regarding the collection, use, and retention of personal information transferred from Indonesia, please note that PT Helios Informatika Nusantara remains compliant with all relevant laws concerning such transfers.

Protecting Your Information

We aim to uphold top-tier security standards throughout our business operations. We have adopted suitable technical and organizational safeguards aligned with industry best practices. These safeguards are devised to prevent unauthorized access or unlawful handling of Personal Information and to mitigate the risk of accidental loss, destruction, or damage of such information. As part of these efforts, we have instituted several policies and procedures to guide us, covering aspects such as asset management, access control, physical security, personnel security, product security, cloud and network infrastructure security, third-party security, vulnerability management, security monitoring, and incident response.

Information Storage and Retention

We may store Information on both our own servers and those managed by third-party data hosting providers. As explained in Section 5 above (Cross Border Transfers), these servers may be situated globally. We will retain your Personal Information only for as long as necessary to fulfill the collection’s intended purpose. Additionally, we may retain your Personal Information for the duration required to pursue our legitimate business interests, address any legal claims, and ensure compliance with legal obligations. In instances where we utilize your information for direct marketing, we will retain your data until you choose to opt-out of receiving marketing materials; however, certain information may need to be retained to maintain a record of your request.

Modifications to This Policy

PT Helios Informatika Nusantara reserves the right to amend this Privacy Policy at any time. In the event of a significant change, we will provide notice on this page and/or adjacent to the link leading to this page. These updates will become effective immediately for new Information collected or provided from the date of the update, and within thirty (30) days for any Information collected or provided to PT Helios Informatika Nusantara prior to the update. If you do not agree to the terms of the revised policy, please contact our Legal Department using the contact details provided in Section 11 below. We encourage you to periodically review this page for any updates.

Your Choices

We offer you various options regarding the use of Information in relation to: (i) our marketing activities; and (ii) our utilization of cookies and similar technologies for interest-based advertising and website usage analysis
  1. You can choose to discontinue receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, adjusting email preferences in your account settings page, or contacting us through https://www.helios.id/. You can manage your preferences concerning our use of cookies and similar technologies, which are used to provide targeted interest-based advertisements and analyze your website usage, by referring to our Cookie Policy for guidance.
  2. Moreover, the laws in some jurisdictions may grant you various rights concerning our processing of certain Information. These rights may include:
    • The right to withdraw previously provided consent;
    • The right to access specific information about you that we process;
    • The right to rectify or update any Personal Information;
    • The right to request the erasure of certain Information;
    • The right to temporarily suspend our processing of certain Information;
    • The right to receive Information in a common machine-readable format;
    • The right to object to our processing of Information for direct marketing purposes or when we rely on legitimate interests as the lawful basis for processing your information; and
    • The right to file a complaint with the relevant data protection authority.
We will address your requests promptly. Please note that these rights may be subject to limitations under applicable law. For further information on these rights or to exercise them, please contact [Helios Informatika Nusantara] at: [email protected]

Social Media and Third-Party Services

Our Website may include a blog with a ‘comments’ section and several social media features, such as a ‘share’ button or links to third-party websites and services like Facebook, X, YouTube, LinkedIn, and Instagram. When utilizing these features, certain information may be gathered by these third parties, such as your IP address or the specific page you are visiting on our website. Additionally, these third parties may set cookies to ensure the proper functioning of the features. Any data collected by these third parties is subject to their respective privacy policies. We encourage you to thoroughly review the privacy policies of these third parties.

Contacting Us

If you have any questions or concerns regarding this Website Privacy Policy, the information we collect, PT Helios Informatika Nusantara’s practices, or your interactions with the Website, please feel free to contact us. You can reach us via email at [email protected] or by physical mail addressed to: PT Helios Informatika Nusantara  Centennial Tower, 12th Floor Jl. Jend. Gatot Subroto Kav. 24-25 Jakarta 12930, Indonesia phone: +62 21 8062 22