{"id":1917,"date":"2020-01-15T08:35:38","date_gmt":"2020-01-15T01:35:38","guid":{"rendered":"http:\/\/bbs.binus.ac.id\/management\/?p=1917"},"modified":"2020-01-15T08:36:11","modified_gmt":"2020-01-15T01:36:11","slug":"think-like-fin-tech","status":"publish","type":"post","link":"https:\/\/bbs.binus.ac.id\/management\/2020\/01\/think-like-fin-tech\/","title":{"rendered":"THINK LIKE FIN-TECH\u00a0"},"content":{"rendered":"

Dew<\/span>asa<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>permintaan<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>akan<\/span>\u00a0<\/span>kemudahan<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>bertransaksi<\/span>\u00a0<\/span>sehari-hari<\/span>\u00a0<\/span>terus<\/span>\u00a0<\/span>meningkat<\/span>,\u00a0<\/span>hal<\/span>\u00a0<\/span>inilah<\/span>\u00a0yang\u00a0<\/span>mengakibatkan<\/span>\u00a0Fin-<\/span>Tech\u00a0\u00a0<\/span>digemari<\/span>\u00a0<\/span>oleh<\/span>\u00a0<\/span>masyarakat<\/span>.<\/span>\u00a0M-Banking yang\u00a0<\/span>merupakan<\/span>\u00a0<\/span>salah<\/span>\u00a0<\/span>satu<\/span>\u00a0<\/span>produk<\/span>\u00a0Fin-Tech yang\u00a0<\/span>ditawarkan<\/span>\u00a0bank BCA,\u00a0<\/span>sebenarnya<\/span>\u00a0<\/span>sudah<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>dulu<\/span>\u00a0<\/span>ada<\/span>\u00a0<\/span>namun<\/span>\u00a0<\/span>tidak<\/span>\u00a0se-flexible\u00a0<\/span>aplikasi-aplikasi<\/span>\u00a0Fin-Tech yang\u00a0<\/span>beredar<\/span>\u00a0<\/span>saat<\/span>\u00a0<\/span>ini<\/span>,\u00a0<\/span>dikarenakan<\/span>\u00a0M-Banking\u00a0<\/span>hanya<\/span>\u00a0<\/span>melayani<\/span>\u00a0<\/span>transaksi<\/span>\u00a0<\/span>antar<\/span>\u00a0<\/span>rekening<\/span>\u00a0<\/span>bank.Oleh<\/span>\u00a0<\/span>karena<\/span>\u00a0<\/span>itu<\/span>\u00a0<\/span>tentunya<\/span>\u00a0bank BCA\u00a0<\/span>harus<\/span>\u00a0<\/span>beradaptasi<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>menciptakan<\/span>\u00a0<\/span>inovasi<\/span>\u00a0<\/span>baru<\/span>\u00a0yang\u00a0<\/span>sejalan<\/span>\u00a0<\/span>dengan<\/span>\u00a0Fin-Tech.<\/span>\u00a0<\/span><\/p>\n

Aplikasi-aplikasi<\/span>\u00a0Fin-Tech\u00a0<\/span>telah<\/span>\u00a0<\/span>mempermudah<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>bertransaksi<\/span>\u00a0<\/span>tidak<\/span>\u00a0<\/span>hanya<\/span>\u00a0<\/span>lintas<\/span>\u00a0banking,\u00a0<\/span>tetapi<\/span>\u00a0<\/span>juga<\/span>\u00a0<\/span>transaksi<\/span>\u00a0<\/span>sehari-hari<\/span>\u00a0<\/span>seperti<\/span>\u00a0<\/span>pembelian<\/span>\u00a0<\/span>makanan<\/span>,\u00a0<\/span>minuman<\/span>,\u00a0<\/span>dll<\/span>.<\/span>\u00a0<\/span>Alhasil<\/span>\u00a0<\/span>banyak<\/span>\u00a0<\/span>orang<\/span>\u00a0<\/span>berbondong-bondong<\/span>\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>aplikasi<\/span>\u00a0<\/span>tersebut<\/span>.<\/span>\u00a0<\/span>Melihat<\/span>\u00a0<\/span>peluang<\/span>\u00a0<\/span>ini<\/span>,\u00a0<\/span>banyak<\/span>\u00a0<\/span>aplikasi-aplikasi<\/span>\u00a0Fin-Tech\u00a0<\/span>bermunculan<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>bersaing<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>pasar<\/span>\u00a0<\/span>jasa<\/span>\u00a0Fin-Tech.\u00a0<\/span>Salah<\/span>\u00a0<\/span>satu<\/span>\u00a0<\/span>persaingan<\/span>\u00a0yang\u00a0<\/span>sering<\/span>\u00a0<\/span>dilakukan<\/span>\u00a0<\/span>oleh<\/span>\u00a0<\/span>aplikasi-aplikasi<\/span>\u00a0Fin-Tech\u00a0<\/span>adalah<\/span>\u00a0<\/span>persaingan<\/span>\u00a0promo\u00a0<\/span>cashback<\/span>.<\/span>\u00a0<\/span>Fitur-<\/span>fitur<\/span>\u00a0 flexible<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>disertai<\/span>\u00a0<\/span>dengan<\/span>\u00a0promo-promo\u00a0<\/span>menggiurkan<\/span>\u00a0<\/span>tidak<\/span>\u00a0<\/span>dimiliki<\/span>\u00a0<\/span>oleh<\/span>\u00a0M-Banking BCA.<\/span>\u00a0<\/span><\/p>\n

Bayangkan<\/span>\u00a0<\/span>apabila<\/span>\u00a0M-Banking BCA\u00a0<\/span>memiliki<\/span>\u00a0<\/span>fitur-fitur<\/span>\u00a0<\/span>seperti<\/span>\u00a0<\/span>aplikasi<\/span>\u00a0Fin-Tech yang\u00a0<\/span>sedang<\/span>\u00a0popular\u00a0<\/span>saat<\/span>\u00a0<\/span>ini<\/span>,\u00a0<\/span>hebat<\/span>\u00a0<\/span>bukan<\/span>\u00a0?<\/span>\u00a0<\/span>suatu<\/span>\u00a0<\/span>aplikasi<\/span>\u00a0Fin-Tech yang\u00a0<\/span>mampu<\/span>\u00a0\u00a0<\/span>memberikan<\/span>\u00a0<\/span>kemudahan<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>segala<\/span>\u00a0<\/span>transaksi<\/span>.\u00a0<\/span>Menurut<\/span>\u00a0<\/span>kelompok<\/span>\u00a0<\/span>kami<\/span>, M-Banking\u00a0<\/span>memiliki<\/span>\u00a0<\/span>potensi<\/span>\u00a0yang\u00a0<\/span>sangat<\/span>\u00a0<\/span>besar<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>mencakup<\/span>\u00a0<\/span>pasar<\/span>\u00a0<\/span>pengguna<\/span>\u00a0<\/span>aplikasi<\/span>\u00a0Fin-Tech\u00a0<\/span>saat<\/span>\u00a0<\/span>ini<\/span>.<\/span>\u00a0Hal\u00a0<\/span>ini<\/span>\u00a0<\/span>dikarenakan<\/span>\u00a0M-Banking\u00a0<\/span>lebih<\/span>\u00a0<\/span>cocok<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>dijadikan<\/span>\u00a0basis\u00a0<\/span>teknologi<\/span>\u00a0Fin-Tech\u00a0<\/span>dalam<\/span>\u00a0<\/span>segi<\/span>\u00a0<\/span>pembayaran<\/span>,\u00a0<\/span>mengapa<\/span>\u00a0<\/span>demikian<\/span>\u00a0?<\/span>\u00a0<\/span><\/p>\n

Pertama<\/span>, M-Banking\u00a0<\/span>telah<\/span>\u00a0<\/span>terintegrasi<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>saldo<\/span>\u00a0bank\u00a0<\/span>nasabah<\/span>\u00a0<\/span>sehingga<\/span>\u00a0<\/span>nasabah<\/span>\u00a0<\/span>tidak<\/span>\u00a0<\/span>perlu<\/span>\u00a0repot-repot\u00a0<\/span>melakukan<\/span>\u00a0top-up\u00a0<\/span>saldo<\/span>.<\/span>\u00a0<\/span>Hal\u00a0<\/span>ini<\/span>\u00a0<\/span>sangat<\/span>\u00a0<\/span>memberikan<\/span>\u00a0<\/span>kenyamanan<\/span>\u00a0<\/span>bagi<\/span>\u00a0<\/span>pengguna<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>bertransaksi<\/span>.<\/span>\u00a0<\/span>Kelebihan<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>juga<\/span>\u00a0<\/span>memberi<\/span>\u00a0<\/span>keuntungan<\/span>\u00a0<\/span>bagi<\/span>\u00a0bank BCA\u00a0<\/span>karena<\/span>\u00a0<\/span>tidak<\/span>\u00a0<\/span>perlu<\/span>\u00a0repot\u00a0<\/span>repot<\/span>\u00a0<\/span>mencari<\/span>\u00a0<\/span>pengguna<\/span>\u00a0Fin-<\/span>Technya<\/span>\u00a0<\/span>karena<\/span>\u00a0<\/span>semua<\/span>\u00a0<\/span>nasabah<\/span>\u00a0bank BCA\u00a0<\/span>secara<\/span>\u00a0<\/span>otomatis<\/span>\u00a0<\/span>menjadi<\/span>\u00a0<\/span>pengguna<\/span>\u00a0Fin-Tech BCA.\u00a0<\/span>\u00a0<\/span><\/p>\n

Kedua<\/span>, M-Banking\u00a0<\/span>lebih<\/span>\u00a0<\/span>menjamin<\/span>\u00a0<\/span>keamanan<\/span>\u00a0<\/span>uang<\/span>\u00a0<\/span>atau<\/span>\u00a0<\/span>saldo<\/span>\u00a0<\/span>nasabah<\/span>\u00a0<\/span>daripada<\/span>\u00a0<\/span>keamanan<\/span>\u00a0<\/span>aplikasi-aplikasi<\/span>\u00a0Fin-Tech yang\u00a0<\/span>beredar<\/span>\u00a0<\/span>saat<\/span>\u00a0<\/span>ini<\/span>.<\/span>\u00a0<\/span>Pada<\/span>\u00a0<\/span>aplikasi<\/span>\u00a0Fin-Tech\u00a0<\/span>jika<\/span>\u00a0<\/span>pengguna<\/span>\u00a0<\/span>lupa<\/span>\u00a0<\/span>atau<\/span>\u00a0<\/span>kehilangan<\/span>\u00a0<\/span>informasi<\/span>\u00a0<\/span>mengenai<\/span>\u00a0<\/span>akunnya<\/span>,\u00a0<\/span>maka<\/span>\u00a0<\/span>saldo<\/span>\u00a0<\/span>didalam<\/span>\u00a0<\/span>akun<\/span>\u00a0<\/span>tersebut<\/span>\u00a0pun\u00a0<\/span>tidak<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>dipakai<\/span>.<\/span>\u00a0<\/span>Namun<\/span>\u00a0<\/span>jika<\/span>\u00a0<\/span>pengguna<\/span>\u00a0M-Banking\u00a0<\/span>lupa<\/span>\u00a0<\/span>akan<\/span>\u00a0<\/span>akunnya<\/span>,\u00a0<\/span>saldo<\/span>\u00a0M-Banking\u00a0<\/span>masih<\/span>\u00a0<\/span>bisa<\/span>\u00a0<\/span>diakses<\/span>\u00a0<\/span>melalui<\/span>\u00a0<\/span>kartu<\/span>\u00a0debit\u00a0<\/span>ataupun<\/span>\u00a0<\/span>mesin<\/span>\u00a0ATM.\u00a0<\/span>Selain<\/span>\u00a0<\/span>itu<\/span>\u00a0M-Banking yang\u00a0<\/span>dimiliki<\/span>\u00a0bank\u00a0<\/span>memiliki<\/span>\u00a0<\/span>nilai<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>karena<\/span>\u00a0<\/span>dijamin<\/span>\u00a0<\/span>oleh<\/span>\u00a0<\/span>lembaga<\/span>\u00a0<\/span>penjamin<\/span>\u00a0<\/span>simpanan<\/span>\u00a0<\/span>atau<\/span>\u00a0LPS\u00a0<\/span>karena<\/span>\u00a0<\/span>merupakan<\/span>\u00a0<\/span>salah<\/span>\u00a0<\/span>satu<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>dari<\/span>\u00a0Bank.<\/span>\u00a0<\/span><\/p>\n

Hal\u00a0<\/span>ini<\/span>\u00a0<\/span>tentu<\/span>\u00a0<\/span>akan<\/span>\u00a0<\/span>menjadi<\/span>\u00a0<\/span>suatu<\/span>\u00a0<\/span>hal<\/span>\u00a0yang\u00a0<\/span>menakjubkan<\/span>\u00a0<\/span>jika<\/span>\u00a0Bank\u00a0<\/span>mampu<\/span>\u00a0<\/span>mengadopsi<\/span>\u00a0<\/span>pola<\/span>\u00a0<\/span>pikir<\/span>\u00a0Fin-Tech yang\u00a0<\/span>beredar<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>memadukannya<\/span>\u00a0<\/span>dengan<\/span>\u00a0M-Banking yang\u00a0<\/span>ada<\/span>\u00a0<\/span>serta<\/span>\u00a0<\/span>menambahkan<\/span>\u00a0<\/span>fitur-fitur<\/span>\u00a0yang\u00a0<\/span>baru<\/span>.\u00a0<\/span>Tentu<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>akan<\/span>\u00a0<\/span>menjadi<\/span>\u00a0<\/span>nilai<\/span>\u00a0<\/span>tambah<\/span>\u00a0<\/span>tersendiri<\/span>\u00a0<\/span>bagi<\/span>\u00a0bank\u00a0<\/span>dibandingkan<\/span>\u00a0<\/span>dengan<\/span>\u00a0Fin-Tech\u00a0<\/span>saat<\/span>\u00a0<\/span>ini<\/span>\u00a0yang\u00a0<\/span>hanya<\/span>\u00a0<\/span>melayani<\/span>\u00a0<\/span>jasa<\/span>\u00a0<\/span>pembayaran<\/span>.\u00a0<\/span>Selain<\/span>\u00a0<\/span>itu<\/span>\u00a0Bank\u00a0<\/span>juga<\/span>\u00a0<\/span>memiliki<\/span>\u00a0<\/span>banyak<\/span>\u00a0<\/span>cabang<\/span>\u00a0yang\u00a0<\/span>dapat<\/span>\u00a0<\/span>menjangkau<\/span>\u00a0<\/span>keseluruhan<\/span>\u00a0<\/span>daerah<\/span>\u00a0<\/span>seperti<\/span>\u00a0<\/span>di<\/span>\u00a0<\/span>Indonesia\u00a0\u00a0<\/span>hal<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>tentu<\/span>\u00a0<\/span>bertolak<\/span>\u00a0<\/span>belakang<\/span>\u00a0<\/span>dengan<\/span>\u00a0Perusahaan Fin-Tech yang\u00a0<\/span>ada<\/span>\u00a0<\/span>saat<\/span>\u00a0<\/span>ini<\/span>.<\/span>\u00a0<\/span><\/p>\n

Jadi<\/span>\u00a0<\/span>potensi<\/span>\u00a0bank BCA\u00a0<\/span>dalam<\/span>\u00a0era Fin-Tech\u00a0<\/span>sangat<\/span>\u00a0<\/span>tinggi<\/span>\u00a0<\/span>dikarenakan<\/span>\u00a0M-Banking yang\u00a0<\/span>dikeluarkan<\/span>\u00a0<\/span>oleh<\/span>\u00a0<\/span>pihak<\/span>\u00a0BCA\u00a0<\/span>memiliki<\/span>\u00a0<\/span>banyak<\/span>\u00a0<\/span>kelebihan<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>juga<\/span>\u00a0<\/span>keunggulan<\/span>\u00a0<\/span>di<\/span>bandingkan<\/span>\u00a0<\/span>dengan<\/span>\u00a0Fin-Tech\u00a0<\/span>lain<\/span>nya<\/span>.<\/span>\u00a0<\/span>Selain<\/span>\u00a0<\/span>itu<\/span>, M-Banking\u00a0<\/span>dari<\/span>\u00a0BCA\u00a0<\/span>sudah<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>dahulu<\/span>\u00a0<\/span>ada<\/span>\u00a0<\/span>sebelum<\/span>\u00a0<\/span>perkembangan<\/span>\u00a0Fin-Tech<\/span>\u00a0(Go-Pay, OVO<\/span>,\u00a0 Dana<\/span>,\u00a0<\/span>dll<\/span>.)\u00a0<\/span>\u00a0<\/span>sehingga<\/span>\u00a0M-Banking<\/span>\u00a0BCA\u00a0<\/span>akan<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>mudah<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>juga<\/span>\u00a0<\/span>sudah<\/span>\u00a0<\/span>memiliki<\/span>\u00a0<\/span>citra<\/span>\u00a0yang\u00a0<\/span>baik<\/span>\u00a0<\/span>di<\/span>\u00a0<\/span>mata<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0.\u00a0<\/span>Namun<\/span>\u00a0<\/span>tetap<\/span>\u00a0<\/span>saja<\/span>\u00a0<\/span>kreatifitas<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>juga<\/span>\u00a0<\/span>inovasi<\/span>\u00a0bank BCA\u00a0<\/span>sangat<\/span>\u00a0<\/span>diperlukan<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>bersaing<\/span>\u00a0<\/span>di<\/span>\u00a0<\/span>kedepannya<\/span>.<\/span>\u00a0<\/span>Kelompok<\/span>\u00a0<\/span>kami<\/span>\u00a0<\/span>percaya<\/span>\u00a0<\/span>bahwa<\/span>\u00a0<\/span>jika<\/span>\u00a0bank BCA\u00a0<\/span>dapat<\/span>\u00a0<\/span>memaksimalkan<\/span>\u00a0<\/span>potensi<\/span>\u00a0M-Banking\u00a0<\/span>maka<\/span>\u00a0Fin-Tech\u00a0<\/span>bukan<\/span>\u00a0<\/span>lagi<\/span>\u00a0<\/span>menjadi<\/span>\u00a0<\/span>suatu<\/span>\u00a0<\/span>ancaman<\/span>\u00a0<\/span>melainkan<\/span>\u00a0<\/span>menjadi<\/span>\u00a0<\/span>batu<\/span>\u00a0<\/span>loncatan<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>menjadi<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>baik<\/span>.<\/span>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Dewasa\u00a0ini\u00a0permintaan\u00a0masyarakat\u00a0akan\u00a0kemudahan\u00a0dalam\u00a0bertransaksi\u00a0sehari-hari\u00a0terus\u00a0meningkat,\u00a0hal\u00a0inilah\u00a0yang\u00a0mengakibatkan\u00a0Fin-Tech\u00a0\u00a0digemari\u00a0oleh\u00a0masyarakat.\u00a0M-Banking yang\u00a0merupakan\u00a0salah\u00a0satu\u00a0produk\u00a0Fin-Tech yang\u00a0ditawarkan\u00a0bank BCA,\u00a0sebenarnya\u00a0sudah\u00a0lebih\u00a0dulu\u00a0ada\u00a0namun\u00a0tidak\u00a0se-flexible\u00a0aplikasi-aplikasi\u00a0Fin-Tech yang\u00a0beredar\u00a0saat\u00a0ini,\u00a0dikarenakan\u00a0M-Banking\u00a0hanya\u00a0melayani\u00a0transaksi\u00a0antar\u00a0rekening\u00a0bank.Oleh\u00a0karena\u00a0itu\u00a0tentunya\u00a0bank BCA\u00a0harus\u00a0beradaptasi\u00a0dan\u00a0menciptakan\u00a0inovasi\u00a0baru\u00a0yang\u00a0sejalan\u00a0dengan\u00a0Fin-Tech.\u00a0 Aplikasi-aplikasi\u00a0Fin-Tech\u00a0telah\u00a0mempermudah\u00a0masyarakat\u00a0bertransaksi\u00a0tidak\u00a0hanya\u00a0lintas\u00a0banking,\u00a0tetapi\u00a0juga\u00a0transaksi\u00a0sehari-hari\u00a0seperti\u00a0pembelian\u00a0makanan,\u00a0minuman,\u00a0dll.\u00a0Alhasil\u00a0banyak\u00a0orang\u00a0berbondong-bondong\u00a0menggunakan\u00a0aplikasi\u00a0tersebut.\u00a0Melihat\u00a0peluang\u00a0ini,\u00a0banyak\u00a0aplikasi-aplikasi\u00a0Fin-Tech\u00a0bermunculan\u00a0dan\u00a0bersaing\u00a0dalam\u00a0pasar\u00a0jasa\u00a0Fin-Tech.\u00a0Salah\u00a0satu\u00a0persaingan\u00a0yang\u00a0sering\u00a0dilakukan\u00a0oleh\u00a0aplikasi-aplikasi\u00a0Fin-Tech\u00a0adalah\u00a0persaingan\u00a0promo\u00a0cashback.\u00a0Fitur-fitur\u00a0 flexible\u00a0ini\u00a0disertai\u00a0dengan\u00a0promo-promo\u00a0menggiurkan\u00a0tidak\u00a0dimiliki\u00a0oleh\u00a0M-Banking BCA.\u00a0 Bayangkan\u00a0apabila\u00a0M-Banking BCA\u00a0memiliki\u00a0fitur-fitur\u00a0seperti\u00a0aplikasi\u00a0Fin-Tech 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