BNI INTERNET BANKING: GO OR NOT GO?

Sabdo Trihidayat, General Manager of Consumer Funds and Financial Services Division (DJK-Division) also known as Pak Dody at BNI, as one of Consumer Business Unit after the change of corporate organization structure into the SBU-BU model in 2004 that forced each Business Unit to race with other business units in increasing its performance and compete with rivals as stated on the vision and mission. Before the change of BNI’s organizational structure, there was an Internet-Banking team had created the blueprint of the project and had to postpone as consideration in avoiding the unwanted conflict impact while the IT-Division was implementing the core-banking project in 2005.

In looking forward, to increase market penetration, product development of BNI TAPLUS had been enhanced with a communications marketing program for both above and below the line, to sharpen awareness while communicating advantages on product features and services, stressing their consistency and security. Following market development and technology advances, innovate e-channel products and features (both financial and non-financial) should had been integrated into BNI Internet-Banking. BNI had completed its four e-channel services: ATM since 1990, Phone-Banking since February 1998, M-Banking since 2002, and the SMS-Banking launched on April 4^th, 2006. Sabdo Trihidayat faced the situation whether he had to take BNI on Internet-Banking in case of completing the five e-channels and decided whether it was the right time to bring BNI go Internet-Banking and implement the project right after the launched of BNI SMS-Banking?