{"id":1922,"date":"2020-01-15T08:41:20","date_gmt":"2020-01-15T01:41:20","guid":{"rendered":"http:\/\/bbs.binus.ac.id\/management\/?p=1922"},"modified":"2020-01-15T08:41:20","modified_gmt":"2020-01-15T01:41:20","slug":"fin-tech-vs-commercial-banking","status":"publish","type":"post","link":"https:\/\/bbs.binus.ac.id\/management\/2020\/01\/fin-tech-vs-commercial-banking\/","title":{"rendered":"Fin-Tech vs Commercial\u00a0Banking\u00a0"},"content":{"rendered":"

Bank\u00a0<\/span>merupakan<\/span>\u00a0<\/span>lembaga<\/span>\u00a0<\/span>keuangan<\/span>\u00a0yang\u00a0<\/span>dipercaya<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>menyimpan<\/span>\u00a0<\/span>uang<\/span>\u00a0<\/span>mau<\/span>pun<\/span>\u00a0<\/span>meminjam<\/span>\u00a0<\/span>uang<\/span>.<\/span>\u00a0<\/span>B<\/span>ank\u00a0<\/span>cukup<\/span>\u00a0<\/span>berperan<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>perekonomian<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>di<\/span>\u00a0Indonesia\u00a0<\/span>pada<\/span>\u00a0<\/span>umumnya<\/span>.<\/span>\u00a0<\/span>Kegiatan<\/span>\u00a0<\/span>utama<\/span>\u00a0bank\u00a0<\/span>adalah<\/span>\u00a0<\/span>mengumpulkan<\/span>\u00a0<\/span>dana<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>menyalurkan<\/span>\u00a0<\/span>kredit<\/span>\u00a0<\/span>kepada<\/span>\u00a0<\/span>masyarakat<\/span>.<\/span>\u00a0<\/span>Manajemen<\/span>\u00a0<\/span>dana<\/span>\u00a0bank\u00a0<\/span>sangat<\/span>\u00a0<\/span>penting<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>pengumpulan<\/span>\u00a0<\/span>dana<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>penyaluran<\/span>\u00a0<\/span>kredit<\/span>\u00a0<\/span>un<\/span>tuk<\/span>\u00a0<\/span>mendukung<\/span>\u00a0<\/span>operasional<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>eksistensi<\/span>\u00a0bank<\/span>. Dana bank\u00a0<\/span>berasal<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>dua<\/span>\u00a0<\/span>sumber<\/span>,\u00a0<\/span>yaitu<\/span>\u00a0<\/span>sumber<\/span>\u00a0intern (<\/span>setoran<\/span>\u00a0modal\/<\/span>penjualan<\/span>\u00a0<\/span>saham<\/span>,\u00a0<\/span>laba<\/span>\u00a0yang\u00a0<\/span>ditahan<\/span>,\u00a0<\/span>atau<\/span>\u00a0<\/span>dana<\/span>\u00a0lain yang\u00a0<\/span>bersumber<\/span>\u00a0<\/span>dari<\/span> \u00a0<\/span>dalam<\/span>\u00a0bank)\u00a0<\/span>dan<\/span>\u00a0<\/span>sumber<\/span>\u00a0<\/span>ekstern<\/span>\u00a0(<\/span>tabungan<\/span>,\u00a0<\/span>deposito<\/span>,\u00a0<\/span>giro<\/span>,\u00a0<\/span>atau<\/span>\u00a0<\/span>dana<\/span>\u00a0lain yang\u00a0<\/span>bersumber<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>luar<\/span>\u00a0bank\/<\/span>pihak<\/span>\u00a0<\/span>ketiga<\/span>)<\/span>.<\/span>\u00a0<\/span><\/p>\n

Di era modern <\/span>ini<\/span>,<\/span> \u00a0<\/span>teknologi<\/span> \u00a0<\/span>sudah<\/span>\u00a0<\/span>sangat<\/span> \u00a0<\/span>berkembang<\/span> \u00a0<\/span>dan<\/span>\u00a0<\/span>tentu<\/span> \u00a0<\/span>saja<\/span>\u00a0<\/span>hal<\/span> \u00a0<\/span>itu<\/span>\u00a0<\/span>berdampak<\/span> \u00a0<\/span>cuk<\/span>up<\/span>\u00a0<\/span>besar<\/span>\u00a0<\/span>di<\/span>\u00a0<\/span>bidang<\/span>\u00a0\u00a0<\/span>keuangan<\/span>.\u00a0<\/span>Banyak<\/span>\u00a0<\/span>perusahaan<\/span> Fin-Tech\u00a0\u00a0<\/span>mulai<\/span>\u00a0<\/span>lahir<\/span>\u00a0<\/span>dan<\/span> \u00a0<\/span>berkembang<\/span>\u00a0<\/span>di<\/span> \u00a0<\/span>seluruh<\/span> \u00a0<\/span>dunia<\/span>,\u00a0<\/span>termasuk<\/span>\u00a0<\/span>di<\/span>\u00a0Indonesia.<\/span>\u00a0<\/span>Mereka<\/span>\u00a0<\/span>menawarkan<\/span>\u00a0<\/span>kemudahan-kemudahan<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>bertransaksi<\/span>,\u00a0<\/span>seperti<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>proses<\/span>\u00a0<\/span>pembayaran<\/span>, transfer,\u00a0<\/span>peminjaman<\/span>\u00a0<\/span>uang<\/span>,\u00a0<\/span>ataupun<\/span>\u00a0<\/span>jual<\/span>\u00a0<\/span>beli<\/span>\u00a0<\/span>saham<\/span>.\u00a0<\/span>\u00a0<\/span><\/p>\n

Fin<\/span>-T<\/span>ech<\/span>\u00a0<\/span>merupakan<\/span>\u00a0<\/span>suatu<\/span>\u00a0<\/span>inovasi<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>bidang<\/span>\u00a0<\/span>keuangan<\/span>.<\/span>\u00a0<\/span>Inovasi<\/span>\u00a0<\/span>F<\/span>in<\/span>-T<\/span>ech<\/span>\u00a0<\/span>ini<\/span> \u00a0<\/span>tentunya<\/span>\u00a0<\/span>telah<\/span>\u00a0<\/span>mendapat<\/span>\u00a0<\/span>sentuhan<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>berbaga<\/span>i<\/span>\u00a0<\/span>teknologi<\/span>\u00a0modern.<\/span>\u00a0<\/span>Keberadaan<\/span>\u00a0<\/span>F<\/span>i<\/span>n-T<\/span>ech<\/span>\u00a0<\/span>diharapkan <\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>membuat<\/span> \u00a0<\/span>proses <\/span>\u00a0<\/span>transaksi<\/span>\u00a0<\/span>menjadi<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>praktis<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>aman<\/span>.\u00a0<\/span>Berbagai<\/span>\u00a0<\/span>fitur<\/span>\u00a0pun\u00a0<\/span>dibuat<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>memudahkan<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>Fin<\/span>-Te<\/span>ch<\/span>.\u00a0<\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span>Dewasa<\/span>\u00a0<\/span>ini<\/span>,\u00a0<\/span>teknologi<\/span>\u00a0<\/span>merupakan<\/span>\u00a0<\/span>sesuatu<\/span>\u00a0yang\u00a0<\/span>tak<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>dipisahkan<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>kaum<\/span>\u00a0<\/span>mil<\/span>ennial.<\/span>\u00a0Hal\u00a0<\/span>ini<\/span>\u00a0<\/span>membuat<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>Fin<\/span>-T<\/span>ch<\/span>\u00a0<\/span>baik<\/span>\u00a0yang\u00a0<\/span>berasal<\/span>\u00a0<\/span>dari<\/span>\u00a0bank\u00a0<\/span>maupun<\/span>\u00a0<\/span>perusahaan<\/span>\u00a0lain yang\u00a0<\/span>notabene<\/span>\u00a0non-bank\u00a0<\/span>cukup<\/span>\u00a0<\/span>laris<\/span>\u00a0<\/span>manis<\/span>\u00a0<\/span>di<\/span>\u00a0<\/span>pasaran<\/span>.\u00a0<\/span>Kemudahan<\/span>\u00a0<\/span>merupakan<\/span>\u00a0<\/span>salah<\/span>\u00a0<\/span>satu<\/span>\u00a0<\/span>alas<\/span>an<\/span>\u00a0<\/span>mengapa<\/span>\u00a0Fin-Tech\u00a0<\/span>dig<\/span>unakan<\/span>\u00a0<\/span>dan<\/span>\u00a0popular\u00a0<\/span>di<\/span>\u00a0<\/span>masyarakat<\/span>.<\/span>\u00a0<\/span><\/p>\n

Munculnya<\/span>\u00a0<\/span>promosi<\/span>\u00a0<\/span>bahwa<\/span>\u00a0<\/span>ada<\/span>\u00a0<\/span>perusahaan<\/span>\u00a0non-bank yang\u00a0<\/span>menawarkan<\/span>\u00a0<\/span>b<\/span>anyak<\/span>\u00a0<\/span>sekali<\/span>\u00a0<\/span>fitur-fitur<\/span>\u00a0<\/span>unik<\/span>\u00a0ya<\/span>ng\u00a0<\/span>disertai<\/span>\u00a0promo-promo\u00a0<\/span>menarik<\/span>\u00a0<\/span>tentu<\/span>\u00a0<\/span>berdampak<\/span>\u00a0<\/span>bagi<\/span>\u00a0<\/span>dunia<\/span>\u00a0<\/span>p<\/span>erbankan<\/span>.<\/span>\u00a0<\/span>S<\/span>eiring<\/span>\u00a0<\/span>populernya<\/span>\u00a0Fin-Tech<\/span>,<\/span>\u00a0<\/span>perusahaan<\/span>\u00a0lain\u00a0<\/span>membuat<\/span>\u00a0<\/span>banyak<\/span>\u00a0<\/span>spekulasi<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>analisis<\/span>\u00a0<\/span>tergesernya<\/span>\u00a0<\/span>dunia<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>oleh<\/span>\u00a0<\/span>perusahaan<\/span>\u00a0Fin-Tech\u00a0<\/span>tersebut<\/span>.<\/span>\u00a0<\/span><\/p>\n

Salah<\/span>\u00a0<\/span>satu<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>Fintech<\/span>\u00a0yang\u00a0<\/span>dapat<\/span>\u00a0<\/span>mengancam<\/span>\u00a0<\/span>eksistensi<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>di<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>adalah<\/span>\u00a0Peer-to-Peer (P2P) Lending<\/span>.<\/span>\u00a0Peer to Peer Lending\u00a0<\/span>merupakan<\/span>\u00a0<\/span>alternatif<\/span>\u00a0<\/span>baru<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>berinvestasi<\/span>\u00a0<\/span>maupun<\/span>\u00a0<\/span>mendapatkan<\/span>\u00a0<\/span>d<\/span>ana<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>bentuk<\/span>\u00a0<\/span>pinjaman<\/span>\u00a0<\/span>usaha<\/span>.\u00a0<\/span>Industri<\/span>\u00a0Peer to Peer<\/span>\u00a0(P2P)<\/span>\u00a0<\/span>Lending\u00a0<\/span>sedang<\/span>\u00a0<\/span>bert<\/span>umbuh<\/span>\u00a0<\/span>pesat<\/span>\u00a0<\/span>di<\/span>\u00a0Indonesia\u00a0<\/span>saat<\/span>\u00a0<\/span>ini<\/span>.<\/span>\u00a0<\/span>Peer to Peer<\/span>\u00a0(P2P)<\/span>\u00a0Lending\u00a0<\/span>difokuskan<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>membantu<\/span>\u00a0<\/span>pelaku<\/span>\u00a0<\/span>usaha<\/span>\u00a0<\/span>kecil<\/span>\u00a0<\/span>menengah<\/span>\u00a0(UKM).<\/span>\u00a0<\/span><\/p>\n

Alasan<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>berkembangnya<\/span>\u00a0<\/span>industri<\/span>\u00a0Peer to Peer (P2P) Lending\u00a0<\/span>ini<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>adanya<\/span> \u00a0<\/span>beberapa<\/span> \u00a0<\/span>keuntungan<\/span>\u00a0 yang <\/span>didapatkan<\/span>\u00a0<\/span>baik<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>segi<\/span>\u00a0<\/span>peminjam<\/span>\u00a0<\/span>maupun<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>segi<\/span>\u00a0investor.<\/span>\u00a0Dari\u00a0<\/span>segi<\/span>\u00a0<\/span>peminjam<\/span>,\u00a0<\/span>keuntungan – keuntungan<\/span>\u00a0yan<\/span>g akan\u00a0<\/span>didapatkan<\/span>\u00a0<\/span>antara<\/span>\u00a0lain<\/span>:<\/span> \u00a0<\/span>kemud<\/span>ahan<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>mengajukan<\/span> \u00a0<\/span>pinjaman<\/span>,\u00a0 <\/span>p<\/span>roses <\/span>\u00a0<\/span>pengajuan<\/span>\u00a0<\/span>pinjaman<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>mudah<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>tidak<\/span>\u00a0<\/span>serumit<\/span>\u00a0<\/span>ketika<\/span>\u00a0<\/span>mengajukan<\/span>\u00a0<\/span>pinjaman<\/span>\u00a0<\/span>di<\/span>\u00a0<\/span>bank<\/span>,\u00a0<\/span>serta\u00a0<\/span>s<\/span>uku<\/span>\u00a0<\/span>bunga<\/span>\u00a0<\/span>pinjaman<\/span>\u00a0yang\u00a0<\/span>harus<\/span>\u00a0<\/span>dibayarkan<\/span>\u00a0<\/span>juga<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>kecil<\/span>.\u00a0<\/span>Selain<\/span>\u00a0<\/span>itu<\/span>,\u00a0<\/span>waktu<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>pencairan<\/span>\u00a0<\/span>dana<\/span>\u00a0<\/span>pinjaman<\/span>\u00a0<\/span>juga<\/span>\u00a0<\/span>hanya<\/span>\u00a0<\/span>memakan<\/span>\u00a0<\/span>waktu<\/span>\u00a0<\/span>maksimal<\/span>\u00a01×24 jam.\u00a0<\/span>Berbeda<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>pengajuan<\/span>\u00a0<\/span>peminjaman<\/span>\u00a0<\/span>di<\/span>\u00a0bank yang\u00a0<\/span>bisa<\/span>\u00a0<\/span>memakan<\/span>\u00a0<\/span>waktu<\/span>\u00a0<\/span>berbulan-bulan<\/span>\u00a0<\/span>karena<\/span>\u00a0<\/span>harus<\/span>\u00a0<\/span>melalui<\/span>\u00a0<\/span>berbagai<\/span>\u00a0<\/span>macam<\/span>\u00a0<\/span>prosedur<\/span>\u00a0<\/span>peminjaman<\/span>\u00a0<\/span>di<\/span>\u00a0bank<\/span>.<\/span>\u00a0<\/span><\/p>\n

Di\u00a0<\/span>sisi<\/span>\u00a0lain,\u00a0<\/span>keuntungan<\/span>\u00a0yang\u00a0<\/span>didapatkan<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>segi<\/span>\u00a0investor\u00a0<\/span>antara<\/span>\u00a0lain\u00a0<\/span>dapat<\/span>\u00a0<\/span>memberikan<\/span>\u00a0<\/span>pinjaman<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>mudah<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>cepat<\/span>,\u00a0<\/span>dan<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>menjadi<\/span>\u00a0<\/span>alternatif<\/span>\u00a0<\/span>investasi<\/span>\u00a0<\/span>dengan<\/span>\u00a0return yang\u00a0<\/span>lebih<\/span>\u00a0<\/span>tinggi<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>risiko<\/span>\u00a0default yang\u00a0<\/span>tersebar<\/span>\u00a0<\/span>di<\/span>\u00a0<\/span>banyak<\/span>\u00a0investor\u00a0<\/span>dengan<\/span>\u00a0nominal\u00a0<\/span>masing-masing<\/span> \u00a0<\/span>cukup<\/span>\u00a0<\/span>rendah<\/span>\u00a0<\/span>dan<\/span>\u00a0investor\u00a0<\/span>dapat<\/span>\u00a0<\/span>memilih<\/span>\u00a0<\/span>peminjam<\/span>\u00a0yang\u00a0<\/span>didanai<\/span>\u00a0<\/span>sesuai<\/span>\u00a0<\/span>preferensinya<\/span>. Investor\u00a0 <\/span>bebas<\/span> \u00a0<\/span>memilih<\/span>\u00a0<\/span>perusahaan<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>bisnis<\/span>\u00a0<\/span>mana<\/span>\u00a0yang\u00a0<\/span>akan<\/span>\u00a0<\/span>diinvestasikan<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>berapa<\/span>\u00a0<\/span>banyak<\/span>\u00a0yang\u00a0<\/span>ingin<\/span>\u00a0<\/span>mereka<\/span>\u00a0<\/span>investasikan<\/span>.\u00a0<\/span>Dengan<\/span>\u00a0<\/span>ini<\/span>, investor <\/span>bisa<\/span> \u00a0<\/span>dengan<\/span> \u00a0<\/span>mudah<\/span>\u00a0<\/span>memperluas<\/span>\u00a0<\/span>portofolio<\/span>\u00a0<\/span>investasinya<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>menyebarkan<\/span>\u00a0<\/span>atau<\/span>\u00a0<\/span>mendistribusikan<\/span>\u00a0<\/span>dananya<\/span>\u00a0<\/span>ke<\/span>\u00a0<\/span>berbagai<\/span>\u00a0<\/span>peminjam<\/span>.<\/span>\u00a0<\/span><\/p>\n

Salah<\/span>\u00a0<\/span>satu<\/span>\u00a0<\/span>solusi<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>mencegah<\/span>\u00a0<\/span>terancamnya<\/span>\u00a0bank\u00a0<\/span>oleh<\/span>\u00a0<\/span>Fin<\/span>-T<\/span>ech<\/span>\u00a0<\/span>berupa<\/span>\u00a0P2P Lending\u00a0<\/span>ini<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>melakukan<\/span>\u00a0<\/span>kerjasama<\/span>\u00a0<\/span>dengan<\/span>\u00a0Fin-T<\/span>ech<\/span>\u00a0<\/span>itu<\/span>\u00a0<\/span>sendiri<\/span>.<\/span>\u00a0<\/span>Dengan<\/span>\u00a0<\/span>melakukan<\/span>\u00a0<\/span>kerjasama<\/span>\u00a0<\/span>dengan<\/span>\u00a0Fin-T<\/span>ech<\/span>, bank\u00a0<\/span>dapat<\/span>\u00a0<\/span>mengurangi<\/span>\u00a0<\/span>biaya<\/span>\u00a0<\/span>seperti<\/span>\u00a0<\/span>penggunaan<\/span>\u00a0<\/span>non<\/span><\/i>–<\/span><\/i>traditional credit scoring<\/span><\/i>\u00a0<\/span>untuk<\/span>\u00a0filtering\u00a0<\/span>awal<\/span>\u00a0<\/span>aplikasi<\/span>\u00a0<\/span>kredit<\/span>,\u00a0<\/span>menambah<\/span>\u00a0DPK (Dana\u00a0<\/span>Pihak<\/span>\u00a0<\/span>Ketiga<\/span>),\u00a0<\/span>menambah<\/span>\u00a0channel\u00a0<\/span>penyaluran<\/span>\u00a0<\/span>kredit<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>merupakan<\/span>\u00a0<\/span>alternatif<\/span>\u00a0<\/span>investasi<\/span>\u00a0<\/span>bagi<\/span>\u00a0<\/span>perbankan<\/span>.<\/span>\u00a0<\/span>Selain<\/span>\u00a0<\/span>itu<\/span>, bank\u00a0<\/span>juga<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>melakukan<\/span>\u00a0<\/span>p<\/span>enggunaan<\/span>\u00a0big data analytic yang\u00a0<\/span>tedapat<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>Fin-Tech<\/span>,\u00a0<\/span>yaitu<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>mengolah<\/span>\u00a0big data\u00a0<\/span>untuk<\/span>\u00a0<\/span>tujuan<\/span>\u00a0<\/span>non-traditional credit scoring<\/span><\/i>.<\/span>\u00a0<\/span><\/p>\n

Kesimpulannya<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>perkembangan<\/span>\u00a0<\/span>Fin-Tech\u00a0 <\/span>membawa<\/span> \u00a0<\/span>dampak<\/span> \u00a0<\/span>positif<\/span> \u00a0<\/span>bagi<\/span> \u00a0<\/span>perekonomian<\/span> \u00a0<\/span>masyarakat<\/span>\u00a0<\/span>dan<\/span>\u00a0ba<\/span>nk.<\/span>\u00a0<\/span>Tapi<\/span>\u00a0<\/span>seiring<\/span>\u00a0<\/span>berkembangnya<\/span>\u00a0<\/span>Fin-Tech<\/span>, bank\u00a0<\/span>juga<\/span>\u00a0<\/span>harus <\/span>\u00a0<\/span>bisa<\/span> \u00a0<\/span>mengikuti<\/span> \u00a0<\/span>perkembangannya<\/span> \u00a0<\/span>supaya<\/span>\u00a0<\/span>tidak<\/span> \u00a0<\/span>tertinggal<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>mempertahankan<\/span>\u00a0<\/span>eksistensinya<\/span>\u00a0<\/span>di<\/span>\u00a0<\/span>masyarakat<\/span>.<\/span>\u00a0<\/span>Tidak<\/span> \u00a0<\/span>harus<\/span> \u00a0<\/span>berupa <\/span>\u00a0<\/span>persaingan<\/span>,\u00a0 <\/span>melainkan<\/span> \u00a0<\/span>dapat<\/span>\u00a0<\/span>juga<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>bentuk<\/span>\u00a0<\/span>kerjasama<\/span>\u00a0yang\u00a0<\/span>tetap<\/span>\u00a0<\/span>bisa<\/span>\u00a0<\/span>menguntungkan<\/span>\u00a0<\/span>semua<\/span>\u00a0<\/span>pihak<\/span>.<\/span>\u00a0<\/span><\/p>\n

Penulis: <\/span>Angelina Michelle\u00a0<\/span>Sutiyo<\/span> (2301937526);\u00a0<\/span>Jessica Olivia (2301937<\/span>463)<\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Bank\u00a0merupakan\u00a0lembaga\u00a0keuangan\u00a0yang\u00a0dipercaya\u00a0masyarakat\u00a0untuk\u00a0menyimpan\u00a0uang\u00a0maupun\u00a0meminjam\u00a0uang.\u00a0Bank\u00a0cukup\u00a0berperan\u00a0dalam\u00a0perekonomian\u00a0masyarakat\u00a0di\u00a0Indonesia\u00a0pada\u00a0umumnya.\u00a0Kegiatan\u00a0utama\u00a0bank\u00a0adalah\u00a0mengumpulkan\u00a0dana\u00a0dari\u00a0masyarakat\u00a0dan\u00a0menyalurkan\u00a0kredit\u00a0kepada\u00a0masyarakat.\u00a0Manajemen\u00a0dana\u00a0bank\u00a0sangat\u00a0penting\u00a0dalam\u00a0pengumpulan\u00a0dana\u00a0dan\u00a0penyaluran\u00a0kredit\u00a0untuk\u00a0mendukung\u00a0operasional\u00a0dan\u00a0eksistensi\u00a0bank. Dana bank\u00a0berasal\u00a0dari\u00a0dua\u00a0sumber,\u00a0yaitu\u00a0sumber\u00a0intern (setoran\u00a0modal\/penjualan\u00a0saham,\u00a0laba\u00a0yang\u00a0ditahan,\u00a0atau\u00a0dana\u00a0lain yang\u00a0bersumber\u00a0dari \u00a0dalam\u00a0bank)\u00a0dan\u00a0sumber\u00a0ekstern\u00a0(tabungan,\u00a0deposito,\u00a0giro,\u00a0atau\u00a0dana\u00a0lain yang\u00a0bersumber\u00a0dari\u00a0luar\u00a0bank\/pihak\u00a0ketiga).\u00a0 Di era modern ini, \u00a0teknologi \u00a0sudah\u00a0sangat \u00a0berkembang \u00a0dan\u00a0tentu \u00a0saja\u00a0hal \u00a0itu\u00a0berdampak \u00a0cukup\u00a0besar\u00a0di\u00a0bidang\u00a0\u00a0keuangan.\u00a0Banyak\u00a0perusahaan Fin-Tech\u00a0\u00a0mulai\u00a0lahir\u00a0dan \u00a0berkembang\u00a0di \u00a0seluruh \u00a0dunia,\u00a0termasuk\u00a0di\u00a0Indonesia.\u00a0Mereka\u00a0menawarkan\u00a0kemudahan-kemudahan\u00a0dalam\u00a0bertransaksi,\u00a0seperti\u00a0dalam\u00a0proses\u00a0pembayaran, transfer,\u00a0peminjaman\u00a0uang,\u00a0ataupun\u00a0jual\u00a0beli\u00a0saham.\u00a0\u00a0 Fin-Tech\u00a0merupakan\u00a0suatu\u00a0inovasi\u00a0pada\u00a0bidang\u00a0keuangan.\u00a0Inovasi\u00a0Fin-Tech\u00a0ini \u00a0tentunya\u00a0telah\u00a0mendapat\u00a0sentuhan\u00a0dari\u00a0berbagai\u00a0teknologi\u00a0modern.\u00a0Keberadaan\u00a0Fin-Tech\u00a0diharapkan \u00a0dapat\u00a0membuat \u00a0proses \u00a0transaksi\u00a0menjadi\u00a0lebih\u00a0praktis\u00a0dan\u00a0aman.\u00a0Berbagai\u00a0fitur\u00a0pun\u00a0dibuat\u00a0untuk\u00a0memudahkan\u00a0masyarakat\u00a0dalam\u00a0menggunakan\u00a0Fin-Tech.\u00a0\u00a0 \u00a0Dewasa\u00a0ini,\u00a0teknologi\u00a0merupakan\u00a0sesuatu\u00a0yang\u00a0tak\u00a0dapat\u00a0dipisahkan\u00a0dari\u00a0kaum\u00a0milennial.\u00a0Hal\u00a0ini\u00a0membuat\u00a0produk\u00a0Fin-Tch\u00a0baik\u00a0yang\u00a0berasal\u00a0dari\u00a0bank\u00a0maupun\u00a0perusahaan\u00a0lain yang\u00a0notabene\u00a0non-bank\u00a0cukup\u00a0laris\u00a0manis\u00a0di\u00a0pasaran.\u00a0Kemudahan\u00a0merupakan\u00a0salah\u00a0satu\u00a0alasan\u00a0mengapa\u00a0Fin-Tech\u00a0digunakan\u00a0dan\u00a0popular\u00a0di\u00a0masyarakat.\u00a0 Munculnya\u00a0promosi\u00a0bahwa\u00a0ada\u00a0perusahaan\u00a0non-bank yang\u00a0menawarkan\u00a0banyak\u00a0sekali\u00a0fitur-fitur\u00a0unik\u00a0yang\u00a0disertai\u00a0promo-promo\u00a0menarik\u00a0tentu\u00a0berdampak\u00a0bagi\u00a0dunia\u00a0perbankan.\u00a0Seiring\u00a0populernya\u00a0Fin-Tech,\u00a0perusahaan\u00a0lain\u00a0membuat\u00a0banyak\u00a0spekulasi\u00a0dan\u00a0analisis\u00a0tergesernya\u00a0dunia\u00a0perbankan\u00a0oleh\u00a0perusahaan\u00a0Fin-Tech\u00a0tersebut.\u00a0 Salah\u00a0satu\u00a0produk\u00a0Fintech\u00a0yang\u00a0dapat\u00a0mengancam\u00a0eksistensi\u00a0perbankan\u00a0di\u00a0masyarakat\u00a0adalah\u00a0Peer-to-Peer (P2P) Lending.\u00a0Peer to Peer Lending\u00a0merupakan\u00a0alternatif\u00a0baru\u00a0untuk\u00a0berinvestasi\u00a0maupun\u00a0mendapatkan\u00a0dana\u00a0dalam\u00a0bentuk\u00a0pinjaman\u00a0usaha.\u00a0Industri\u00a0Peer to Peer\u00a0(P2P)\u00a0Lending\u00a0sedang\u00a0bertumbuh\u00a0pesat\u00a0di\u00a0Indonesia\u00a0saat\u00a0ini.\u00a0Peer to Peer\u00a0(P2P)\u00a0Lending\u00a0difokuskan\u00a0untuk\u00a0membantu\u00a0pelaku\u00a0usaha\u00a0kecil\u00a0menengah\u00a0(UKM).\u00a0 Alasan\u00a0dapat\u00a0berkembangnya\u00a0industri\u00a0Peer to Peer (P2P) Lending\u00a0ini\u00a0adalah\u00a0adanya \u00a0beberapa \u00a0keuntungan\u00a0 yang didapatkan\u00a0baik\u00a0dari\u00a0segi\u00a0peminjam\u00a0maupun\u00a0dari\u00a0segi\u00a0investor.\u00a0Dari\u00a0segi\u00a0peminjam,\u00a0keuntungan – keuntungan\u00a0yang akan\u00a0didapatkan\u00a0antara\u00a0lain: \u00a0kemudahan\u00a0dalam\u00a0mengajukan […]<\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,50],"tags":[],"class_list":["post-1922","post","type-post","status-publish","format-standard","hentry","category-article","category-economy"],"_links":{"self":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts\/1922","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/comments?post=1922"}],"version-history":[{"count":1,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts\/1922\/revisions"}],"predecessor-version":[{"id":1923,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts\/1922\/revisions\/1923"}],"wp:attachment":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/media?parent=1922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/categories?post=1922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/tags?post=1922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}