PC Banking in E-payment.

19 Dec 2021

Vannesco Christolim,  NIM: 2301900536

PC Banking in E-payment.

PC Banking is one of the methods of E-banking that is made for us as individuals to manage money and can pay the bills of an item that we buy that we login using our account and can also make money transfers between accounts and book reconciliation. PC Banking is a form of online banking that allows customers to make bank transactions from a PC through a modem. In most PC Banking, bank companies will offer proprietary financial software to customers programs that allow customers to make financial transactions from their home computers. After that, the customer will then contact the bank with its modem, download the data, and then run the existing program live on each customer’s computer (PC). Today, many banks offer PC Banking systems that allow customers to get account balances and credit card statements, pay bills, and transfer funds between accounts or what we often call E-Payment. E-payment is a payment method that uses internet media as an intermediary, where PC banking is closely related to e-payment because a company engaged in the e-payment business must attract a banking institution with its business so that e-payment transactions run by consumers can occur safely, quickly and more practically of course. Some things that can be accessed by consumers through PC banking are direct deposit, direct payment (such as electronic bill payment), smart card, prepaid card, payroll card and prepaid card.

However, PC or computer banking there is also a disadvantage that is where not all consumers have a PC or computer that is qualified to be used for PC banking access. Zeithaml and Gilly (1987) in their research found that lack of access is the main reason consumers do not adopt technological innovation, especially if the innovation is new. Access to PC banking depends on whether the consumer is affiliated with the bank offering it of choice. In practice, many researchers find that financial institutions use segmentation strategies to offer technology-based services based on customer income. According to Irwin and Klenow (1994), Foster and Rosenzweig (1995) said that bank customers can find out the availability of PC banking through various modes of communication, including written and conversation, provided by official banking institutions. Consumers who have a PC at home are more likely to be the initial targets of computer banking advertising messages.

Some banks in Indonesia that have provided PC banking or internet banking that can be accessed through its website are:

Bank BCA can also be said to be a pioneer in e-banking in Indonesia, where BCA offers e-banking products in the form of KlikBCA that provides convenience to make transactions through computers (PCs) and internet networks. KlikBCA is also equipped with strong security to ensure the security and confidentiality of data (privacy) and transactions made by customers. According to Lee (2004) based on his research conducted he conducted a survey in the USA precisely at the University of Michigan with a survey number of 1000 participants and obtained from 1000 participants 531 people have computer banking and the rest do not have computer banking. From this research can be concluded computer or PC banking is quite widely owned by the community in the USA. The development of e-payment in Indonesia at this time is also very significant we can see almost all shopping places such as malls and restaurants using e-payment as a payment solution, only most e-payments used by Indonesian people are done through mobile platforms not using PCs, such as e-wallets such as OVO, ShopeePay, Link aja and mobile banking such as BCA mobile.

Reference:

F.SameniKeivan. A General View on the E-banking.  Islamic Azad University, Roudsar and Amlash Branch, Roudsar, Iran, 62-64.

Kim, C., Tao, W., Shin, N., & Kim, K.-S. (2010).           Electronic Commerce Research and Applications, 9(1), 84–95.           

Lee, E.-J., Eastwood, D.B., & Lee, J. (2004). A Sample Selection Model of Consumer Adoption of Computer Banking. Journal of Financial Services Research,      26(3), 263–275.

Dicky Hida Syahchari