{"id":1926,"date":"2020-01-15T08:46:24","date_gmt":"2020-01-15T01:46:24","guid":{"rendered":"http:\/\/bbs.binus.ac.id\/management\/?p=1926"},"modified":"2020-01-15T13:19:34","modified_gmt":"2020-01-15T06:19:34","slug":"peralihan-dari-transaksi-perbankan-menuju-fintech","status":"publish","type":"post","link":"https:\/\/bbs.binus.ac.id\/management\/2020\/01\/peralihan-dari-transaksi-perbankan-menuju-fintech\/","title":{"rendered":"Peralihan\u00a0dari\u00a0Transaksi\u00a0Perbankan\u00a0menuju\u00a0Fintech\u00a0"},"content":{"rendered":"

Dewasa<\/span>\u00a0<\/span>ini<\/span>,\u00a0<\/span>teknologi<\/span>\u00a0<\/span>merupakan<\/span>\u00a0<\/span>aspek<\/span>\u00a0yang\u00a0<\/span>sangat<\/span>\u00a0<\/span>mempengaruhi<\/span>\u00a0<\/span>kehidupan<\/span>\u00a0<\/span>manusia<\/span>.\u00a0<\/span>Pemanfaatan<\/span>\u00a0<\/span>teknologi<\/span>\u00a0<\/span>meliputi<\/span>\u00a0<\/span>hampir<\/span>\u00a0<\/span>seluruh<\/span>\u00a0<\/span>aspek<\/span>\u00a0<\/span>kehidupan<\/span>\u00a0<\/span>manusia<\/span>,\u00a0<\/span>tidak<\/span>\u00a0<\/span>terkecuali<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>bidang<\/span>\u00a0<\/span>keuangan<\/span>.\u00a0<\/span>Bukti<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>keterlibatan<\/span>\u00a0<\/span>teknologi<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>bidang<\/span>\u00a0<\/span>keuangan<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>munculnya<\/span>\u00a0<\/span>berbagai<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>fintech<\/span><\/i>,\u00a0<\/span>diantaranya<\/span>\u00a0OVO, Go-Pay, Dana, dan lain – lain.\u00a0<\/span>Kehadiran<\/span>\u00a0<\/span>produk<\/span>\u00a0–\u00a0<\/span>produk<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>mempermudah<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>melakukan<\/span>\u00a0<\/span>transaksi<\/span>\u00a0<\/span>keuangan<\/span>. Hal\u00a0<\/span>ini<\/span>\u00a0<\/span>didukung<\/span>\u00a0dengan\u00a0<\/span>adanya<\/span>\u00a0<\/span>berbagai<\/span>\u00a0<\/span>macam<\/span>\u00a0promo,\u00a0<\/span>seperti<\/span>\u00a0<\/span>cashback<\/span><\/i>,<\/span>\u00a0discount<\/span><\/i>, dan\u00a0<\/span>berbagai<\/span>\u00a0promo\u00a0<\/span>lainnya<\/span>.<\/span>\u00a0<\/span><\/p>\n

Munculnya<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>mengakibatkan<\/span>\u00a0<\/span>mulai<\/span>\u00a0<\/span>tergusurnya<\/span>\u00a0<\/span>transaksi<\/span>\u00a0yang\u00a0<\/span>melibatkan<\/span>\u00a0<\/span>jasa<\/span>\u00a0<\/span>keuangan<\/span>\u00a0<\/span>perbankan<\/span>. Masyarakat\u00a0<\/span>lebih<\/span>\u00a0<\/span>memilih<\/span>\u00a0untuk\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>produk<\/span>\u00a0–\u00a0<\/span>produk<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>tersebut<\/span>\u00a0<\/span>dibandingkan<\/span>\u00a0dengan\u00a0<\/span>produk<\/span>\u00a0–\u00a0<\/span>produk<\/span>\u00a0bank,\u00a0<\/span>seperti<\/span>\u00a0<\/span>kartu<\/span>\u00a0debit dan\u00a0<\/span>kartu<\/span>\u00a0<\/span>kredit<\/span>. Bank Indonesia juga\u00a0<\/span>mengakui<\/span>\u00a0<\/span>adanya<\/span>\u00a0<\/span>fenomena<\/span>\u00a0<\/span>tersebut<\/span>.\u00a0<\/span>Direktur<\/span>\u00a0<\/span>Eksekutif<\/span>\u00a0<\/span>Departemen<\/span>\u00a0<\/span>Kebijakan<\/span>\u00a0<\/span>Sistem<\/span>\u00a0<\/span>Pembayaran<\/span>\u00a0Bank Indonesia,\u00a0<\/span>Filianingsih<\/span>\u00a0<\/span>Hendarta<\/span>\u00a0<\/span>menilai<\/span>\u00a0<\/span>bahwa<\/span>\u00a0<\/span>adanya<\/span>\u00a0<\/span>peningkatan<\/span>\u00a0<\/span>nilai<\/span>\u00a0<\/span>transaksi<\/span>\u00a0yang\u00a0<\/span>melibatkan<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>dapat<\/span>\u00a0<\/span>meningkatkan<\/span>\u00a0<\/span>perekonomian<\/span>\u00a0<\/span>nasional<\/span>. Para\u00a0<\/span>debitur<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>memperoleh<\/span>\u00a0<\/span>pinjaman<\/span>\u00a0<\/span>tanpa<\/span>\u00a0<\/span>angunan<\/span>\u00a0dengan\u00a0<\/span>syarat<\/span>\u00a0dan proses\u00a0<\/span>pencairan<\/span>\u00a0yang\u00a0<\/span>cepat<\/span>\u00a0<\/span>melalui<\/span>\u00a0<\/span>layanan<\/span>\u00a0<\/span>pinjaman<\/span>\u00a0<\/span>Fintech<\/span><\/i>.\u00a0<\/span>Akibatnya<\/span>,\u00a0<\/span>siklus<\/span>\u00a0<\/span>perputaran<\/span>\u00a0<\/span>uang<\/span>\u00a0<\/span>menjadi<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>cepat<\/span>\u00a0dan\u00a0<\/span>perekonomian<\/span>\u00a0negara\u00a0<\/span>meningkat<\/span>.\u00a0<\/span>\u00a0<\/span><\/p>\n

Timbulnya<\/span>\u00a0<\/span>Fintech\u00a0<\/span><\/i>tentu<\/span>\u00a0<\/span>saja<\/span>\u00a0<\/span>mempermudah<\/span>\u00a0<\/span>kehidupan<\/span>\u00a0<\/span>masyarakat<\/span>.\u00a0<\/span>Tetapi<\/span>\u00a0di\u00a0<\/span>sisi<\/span>\u00a0<\/span>lain<\/span>,\u00a0<\/span>Fintech<\/span><\/i>\u00a0juga\u00a0<\/span>menimbulkan<\/span>\u00a0<\/span>adanya<\/span>\u00a0<\/span>peralihan<\/span>\u00a0<\/span>cara<\/span>\u00a0<\/span>transaksi<\/span>. Masyarakat yang\u00a0<\/span>tadinya<\/span>\u00a0<\/span>memilih<\/span>\u00a0<\/span>bertransaksi<\/span>\u00a0dengan\u00a0<\/span>memanfaatkan<\/span>\u00a0<\/span>jasa<\/span>\u00a0<\/span>perbankan<\/span>,\u00a0<\/span>kini<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>memilih<\/span>\u00a0untuk\u00a0<\/span>bertransaksi<\/span>\u00a0dengan\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>produk<\/span>\u00a0–\u00a0<\/span>produk<\/span>\u00a0<\/span>Fintech<\/span><\/i>.\u00a0<\/span>Fenomena<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>didukung<\/span>\u00a0dengan\u00a0<\/span>adanya<\/span>\u00a0<\/span>pertambahan<\/span>\u00a0<\/span>persentase<\/span>\u00a0<\/span>pengguna<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0yang\u00a0<\/span>semula<\/span>\u00a0<\/span>hanya<\/span>\u00a012%\u00a0<\/span>kini<\/span>\u00a0<\/span>menjadi<\/span>\u00a023%.\u00a0<\/span>Akibatnya<\/span>,\u00a0<\/span>jumlah<\/span>\u00a0<\/span>transaksi<\/span>\u00a0yang\u00a0<\/span>melibatkan<\/span>\u00a0<\/span>jasa<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>menjadi<\/span>\u00a0<\/span>turun<\/span>.<\/span>\u00a0<\/span><\/p>\n

Peralihan<\/span>\u00a0<\/span>transaksi<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>menuju<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>dipengaruhi<\/span>\u00a0oleh\u00a0<\/span>beberapa<\/span>\u00a0<\/span>faktor<\/span>.\u00a0<\/span>Faktor<\/span>\u00a0yang paling\u00a0<\/span>berpengaruh<\/span>\u00a0<\/span>kepada<\/span>\u00a0<\/span>peralihan<\/span>\u00a0<\/span>tersebut<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>jumlah<\/span>\u00a0<\/span>permintaan<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>masyarakat<\/span>.\u00a0<\/span>Permintaan<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>akan<\/span>\u00a0<\/span>penggunaan<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>semakin<\/span>\u00a0<\/span>meningkat<\/span>. Hal\u00a0 <\/span>tersebut<\/span> \u00a0<\/span>disebabkan<\/span>\u00a0 oleh <\/span>kebutuhan<\/span> \u00a0<\/span>masyarakat<\/span> \u00a0<\/span>akan<\/span>\u00a0<\/span>kemudahan<\/span> \u00a0<\/span>dalam<\/span>\u00a0<\/span>bertransaksi<\/span>\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>teknologi<\/span>\u00a0yang\u00a0<\/span>telah<\/span>\u00a0<\/span>menjadi<\/span>\u00a0<\/span>budaya<\/span>\u00a0di era digital\u00a0<\/span>ini<\/span>.\u00a0 <\/span>Selain<\/span>\u00a0 oleh <\/span>kebutuhan<\/span> \u00a0<\/span>masyarakat<\/span>,\u00a0<\/span>perubahan<\/span>\u00a0<\/span>pola<\/span>\u00a0<\/span>pikir<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0juga\u00a0<\/span>mempengaruhi<\/span>\u00a0<\/span>pertumbuhan<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>itu<\/span>\u00a0<\/span>sendiri<\/span>. Masyarakat\u00a0 <\/span>telah<\/span>\u00a0<\/span>memiliki<\/span>\u00a0<\/span>pola<\/span>\u00a0<\/span>pikir<\/span>\u00a0untuk\u00a0<\/span>tidak<\/span>\u00a0<\/span>membawa<\/span>\u00a0<\/span>uang<\/span>\u00a0<\/span>tunai<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>jumlah<\/span>\u00a0yang\u00a0<\/span>banyak<\/span>.\u00a0<\/span>Banyaknya<\/span> promo yang\u00a0\u00a0<\/span>ditawarkan<\/span>\u00a0oleh\u00a0<\/span>Fintech<\/span><\/i>\u00a0juga\u00a0<\/span>semakin<\/span>\u00a0<\/span>menambah<\/span>\u00a0<\/span>minat<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0untuk\u00a0<\/span>menyimpan<\/span>\u00a0dana di<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>produk<\/span>\u00a0–\u00a0<\/span>produk<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0yang\u00a0<\/span>ada<\/span>.<\/span>\u00a0<\/span><\/p>\n

Selain<\/span>\u00a0<\/span>itu<\/span>,\u00a0<\/span>penggunaan<\/span>\u00a0<\/span>aplikasi<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>dinilai<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>mudah<\/span>\u00a0dan\u00a0<\/span>praktis<\/span>\u00a0<\/span>dibandingkan<\/span>\u00a0<\/span>penggunaan<\/span>\u00a0<\/span>aplikasi<\/span>\u00a0<\/span>perbankan<\/span>\u00a0yang\u00a0<\/span>ada<\/span>\u00a0di\u00a0<\/span>smartphone<\/span><\/i>.\u00a0<\/span>Aplikasi<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>seperti<\/span>\u00a0m-banking\u00a0<\/span>biasanya<\/span>\u00a0<\/span>digunakan<\/span>\u00a0<\/span>pengguna<\/span>\u00a0untuk\u00a0<\/span>top-up<\/span><\/i>\u00a0<\/span>saldo<\/span>\u00a0di\u00a0<\/span>aplikasi<\/span>\u00a0<\/span>Fintech<\/span><\/i>.\u00a0<\/span>Keuntungan<\/span>\u00a0yang\u00a0<\/span>diperoleh<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>adalah<\/span>\u00a0<\/span>adanya<\/span>\u00a0<\/span>kerjasama<\/span>\u00a0dengan\u00a0<\/span>pihak<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>sehingga<\/span>\u00a0<\/span>top-up<\/span><\/i>\u00a0<\/span>bisa<\/span>\u00a0<\/span>dilakukan<\/span>\u00a0<\/span>melalui<\/span>\u00a0<\/span>banyak<\/span>\u00a0<\/span>cara<\/span>\u00a0dan\u00a0<\/span>melalui<\/span>\u00a0<\/span>berbagai<\/span>\u00a0<\/span>macam<\/span>\u00a0bank dengan\u00a0<\/span>cara<\/span>\u00a0yang\u00a0<\/span>mudah<\/span>\u00a0dan\u00a0<\/span>praktis<\/span>.\u00a0<\/span>Sedangkan<\/span>\u00a0<\/span>penggunaan<\/span>\u00a0<\/span>aplikasi<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>hanya<\/span>\u00a0<\/span>terbatas<\/span>\u00a0pada\u00a0<\/span>single platform<\/span><\/i>\u00a0<\/span>saja<\/span>.\u00a0<\/span>Ditambah<\/span>\u00a0<\/span>lagi<\/span>\u00a0<\/span>promo yang\u00a0<\/span>ditawarkan<\/span>\u00a0oleh\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>lebih<\/span>\u00a0<\/span>menarik<\/span>\u00a0<\/span>bagi<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>dibandingkan<\/span>\u00a0<\/span>perbankan<\/span>\u00a0yang\u00a0<\/span>jarang<\/span>\u00a0<\/span>memberikan<\/span>\u00a0promo.<\/span>\u00a0<\/span>Akhirnya<\/span>,\u00a0<\/span>masyarakat<\/span>\u00a0pun\u00a0<\/span>beralih<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>kepada<\/span>\u00a0<\/span>Fintech<\/span><\/i>.<\/span>\u00a0<\/span><\/p>\n

Dalam<\/span>\u00a0<\/span>menghadapi<\/span>\u00a0<\/span>permasalahan<\/span>\u00a0<\/span>tersebut<\/span>,\u00a0<\/span>pihak<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>harus<\/span>\u00a0<\/span>mempersiapkan<\/span>\u00a0<\/span>diri<\/span>\u00a0dan\u00a0<\/span>mencoba<\/span>\u00a0untuk\u00a0<\/span>mencari<\/span>\u00a0<\/span>solusi<\/span>\u00a0agar\u00a0<\/span>produk<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>tetap<\/span>\u00a0<\/span>digunakan<\/span>\u00a0dan\u00a0<\/span>tidak<\/span>\u00a0<\/span>ditinggalkan<\/span>\u00a0<\/span>begitu<\/span>\u00a0<\/span>saja<\/span>\u00a0oleh\u00a0<\/span>masyarakat<\/span>.\u00a0<\/span>Sistem<\/span>\u00a0<\/span>pembayaran<\/span>\u00a0<\/span>melalui<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0yang\u00a0<\/span>telah<\/span>\u00a0<\/span>ada<\/span>\u00a0<\/span>saat<\/span>\u00a0<\/span>ini<\/span>\u00a0di Indonesia juga\u00a0<\/span>masih<\/span>\u00a0<\/span>memiliki<\/span>\u00a0<\/span>kekurangan<\/span>.\u00a0<\/span>Kekurangan<\/span>\u00a0yang paling\u00a0<\/span>dirasakan<\/span>\u00a0<\/span>yaitu<\/span>\u00a0<\/span>melalui<\/span>\u00a0<\/span>sistem<\/span>\u00a0<\/span>cashback<\/span><\/i>\u00a0dan promo yang\u00a0<\/span>ditawarkan<\/span>\u00a0yang\u00a0<\/span>membuat<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>memiliki<\/span>\u00a0\u00a0<\/span>pola<\/span>\u00a0<\/span>pikir<\/span>\u00a0untuk\u00a0<\/span>terus<\/span>\u00a0<\/span>menghabiskan<\/span>\u00a0<\/span>uang<\/span>\u00a0dan\u00a0<\/span>perlahan<\/span>\u00a0<\/span>melupakan<\/span>\u00a0<\/span>kebiasaan<\/span>\u00a0untuk\u00a0<\/span>menabung<\/span>\u00a0di bank. Oleh\u00a0<\/span>karena<\/span>\u00a0<\/span>itu<\/span>,\u00a0<\/span>pihak<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>tidak<\/span>\u00a0<\/span>bisa<\/span>\u00a0<\/span>hanya<\/span>\u00a0<\/span>mengikuti<\/span>\u00a0<\/span>arus<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>sekarang<\/span>\u00a0<\/span>ini<\/span>.\u00a0<\/span>Pihak<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>harus<\/span>\u00a0<\/span>memulai<\/span>\u00a0<\/span>inovasi<\/span>\u00a0<\/span>ke<\/span>\u00a0<\/span>arah<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>namun<\/span>\u00a0<\/span>tetap<\/span>\u00a0<\/span>membangun<\/span>\u00a0<\/span>kebiasaan<\/span>\u00a0dan\u00a0<\/span>pola<\/span>\u00a0<\/span>pikir<\/span>\u00a0yang\u00a0<\/span>baik<\/span>\u00a0untuk\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>uang<\/span>.\u00a0<\/span>Sehingga<\/span>\u00a0<\/span>ada<\/span>\u00a0<\/span>keunggulan<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0yang\u00a0<\/span>akan<\/span>\u00a0<\/span>dikeluarkan<\/span>\u00a0oleh\u00a0<\/span>pihak<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>dan\u00a0<\/span>dapat<\/span>\u00a0<\/span>menarik<\/span>\u00a0<\/span>perhatian<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>nantinya<\/span>.<\/span>\u00a0<\/span><\/p>\n

Berdasarkan<\/span>\u00a0<\/span>pembahasan<\/span>\u00a0di\u00a0<\/span>atas<\/span>,\u00a0<\/span>dapat<\/span>\u00a0<\/span>disimpulkan<\/span>\u00a0<\/span>bahwa<\/span>\u00a0<\/span>meningkatnya<\/span>\u00a0<\/span>pengguna<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>dipengaruhi<\/span>\u00a0oleh\u00a0<\/span>meningkatnya<\/span>\u00a0<\/span>permintaan<\/span>\u00a0<\/span>akan<\/span>\u00a0<\/span>transaksi<\/span>\u00a0dengan\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>produk<\/span>\u00a0–\u00a0<\/span>produk<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0<\/span>tersebut<\/span>.\u00a0<\/span>Kemudahan<\/span>\u00a0yang\u00a0<\/span>disediakan<\/span>\u00a0oleh\u00a0<\/span>Fintech<\/span><\/i>\u00a0dan promo – promo\u00a0<\/span>menarik<\/span>\u00a0<\/span>memiliki<\/span>\u00a0<\/span>pengaruh<\/span>\u00a0yang\u00a0<\/span>besar<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>Fintech<\/span><\/i>.\u00a0<\/span>Selain<\/span>\u00a0<\/span>itu<\/span>,\u00a0<\/span>perubahan<\/span>\u00a0<\/span>pola<\/span>\u00a0<\/span>pikir<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0juga\u00a0<\/span>mempengaruhi<\/span>\u00a0<\/span>jumlah<\/span>\u00a0<\/span>permintaan<\/span>\u00a0<\/span>akan<\/span>\u00a0<\/span>transaksi<\/span>\u00a0yang\u00a0<\/span>memanfaatkan<\/span>\u00a0<\/span>Fintech<\/span><\/i>. Hal-<\/span>hal<\/span> \u00a0<\/span>tersebutlah<\/span>\u00a0 yang <\/span>memengaruhi<\/span>\u00a0<\/span>peningkatan<\/span>\u00a0<\/span>permintaan<\/span>\u00a0Fintech<\/span><\/i>\u00a0<\/span>dalam<\/span>\u00a0era digital\u00a0<\/span>saat<\/span>\u00a0<\/span>ini<\/span>.<\/span> \u00a0<\/span>Namun<\/span>\u00a0<\/span>pihak <\/span>\u00a0<\/span>perbankan<\/span> \u00a0<\/span>tidak<\/span>\u00a0<\/span>boleh<\/span>\u00a0<\/span>hanya<\/span>\u00a0<\/span>mengikuti<\/span>\u00a0<\/span>perkembangan<\/span>\u00a0<\/span>produk<\/span>\u00a0Fintech<\/span><\/i>\u00a0yang\u00a0<\/span>ada<\/span>\u00a0<\/span>saat<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>melainkan<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>harus<\/span>\u00a0<\/span>memulai<\/span>\u00a0<\/span>inovasi<\/span>\u00a0<\/span>ke<\/span>\u00a0<\/span>arah<\/span>\u00a0<\/span>Fintech<\/span><\/i>\u00a0yang\u00a0<\/span>memiliki<\/span>\u00a0<\/span>keunggulan<\/span>\u00a0<\/span>dibandingan<\/span>\u00a0<\/span>produk-produk<\/span>\u00a0 yang <\/span>te<\/span>l<\/span>ah<\/span>\u00a0<\/span>ada<\/span>\u00a0 dan <\/span>tentunya<\/span> \u00a0<\/span>membangun<\/span>\u00a0<\/span>pola<\/span>\u00a0<\/span>pikir<\/span>\u00a0dan\u00a0<\/span>kebiasaan<\/span>\u00a0yang\u00a0<\/span>lebih<\/span>\u00a0<\/span>baik<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>masyarakat<\/span>.<\/span>\u00a0<\/span><\/p>\n

Penulis: Helena\u00a0<\/span>Gracia<\/span> (<\/span>2301937665);\u00a0<\/span>Michelle\u00a0<\/span>Angelia\u00a0 (<\/span>2301937671);\u00a0<\/span>Raulitha<\/span>\u00a0<\/span>Febyola (<\/span>2301937740)<\/span><\/p>\n

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

\n","protected":false},"excerpt":{"rendered":"

Dewasa\u00a0ini,\u00a0teknologi\u00a0merupakan\u00a0aspek\u00a0yang\u00a0sangat\u00a0mempengaruhi\u00a0kehidupan\u00a0manusia.\u00a0Pemanfaatan\u00a0teknologi\u00a0meliputi\u00a0hampir\u00a0seluruh\u00a0aspek\u00a0kehidupan\u00a0manusia,\u00a0tidak\u00a0terkecuali\u00a0dalam\u00a0bidang\u00a0keuangan.\u00a0Bukti\u00a0dari\u00a0keterlibatan\u00a0teknologi\u00a0dalam\u00a0bidang\u00a0keuangan\u00a0adalah\u00a0munculnya\u00a0berbagai\u00a0produk\u00a0fintech,\u00a0diantaranya\u00a0OVO, Go-Pay, Dana, dan lain – lain.\u00a0Kehadiran\u00a0produk\u00a0–\u00a0produk\u00a0ini\u00a0mempermudah\u00a0masyarakat\u00a0dalam\u00a0melakukan\u00a0transaksi\u00a0keuangan. Hal\u00a0ini\u00a0didukung\u00a0dengan\u00a0adanya\u00a0berbagai\u00a0macam\u00a0promo,\u00a0seperti\u00a0cashback,\u00a0discount, dan\u00a0berbagai\u00a0promo\u00a0lainnya.\u00a0 Munculnya\u00a0Fintech\u00a0mengakibatkan\u00a0mulai\u00a0tergusurnya\u00a0transaksi\u00a0yang\u00a0melibatkan\u00a0jasa\u00a0keuangan\u00a0perbankan. Masyarakat\u00a0lebih\u00a0memilih\u00a0untuk\u00a0menggunakan\u00a0produk\u00a0–\u00a0produk\u00a0Fintech\u00a0tersebut\u00a0dibandingkan\u00a0dengan\u00a0produk\u00a0–\u00a0produk\u00a0bank,\u00a0seperti\u00a0kartu\u00a0debit dan\u00a0kartu\u00a0kredit. Bank Indonesia juga\u00a0mengakui\u00a0adanya\u00a0fenomena\u00a0tersebut.\u00a0Direktur\u00a0Eksekutif\u00a0Departemen\u00a0Kebijakan\u00a0Sistem\u00a0Pembayaran\u00a0Bank Indonesia,\u00a0Filianingsih\u00a0Hendarta\u00a0menilai\u00a0bahwa\u00a0adanya\u00a0peningkatan\u00a0nilai\u00a0transaksi\u00a0yang\u00a0melibatkan\u00a0Fintech\u00a0dapat\u00a0meningkatkan\u00a0perekonomian\u00a0nasional. Para\u00a0debitur\u00a0dapat\u00a0memperoleh\u00a0pinjaman\u00a0tanpa\u00a0angunan\u00a0dengan\u00a0syarat\u00a0dan proses\u00a0pencairan\u00a0yang\u00a0cepat\u00a0melalui\u00a0layanan\u00a0pinjaman\u00a0Fintech.\u00a0Akibatnya,\u00a0siklus\u00a0perputaran\u00a0uang\u00a0menjadi\u00a0lebih\u00a0cepat\u00a0dan\u00a0perekonomian\u00a0negara\u00a0meningkat.\u00a0\u00a0 Timbulnya\u00a0Fintech\u00a0tentu\u00a0saja\u00a0mempermudah\u00a0kehidupan\u00a0masyarakat.\u00a0Tetapi\u00a0di\u00a0sisi\u00a0lain,\u00a0Fintech\u00a0juga\u00a0menimbulkan\u00a0adanya\u00a0peralihan\u00a0cara\u00a0transaksi. Masyarakat yang\u00a0tadinya\u00a0memilih\u00a0bertransaksi\u00a0dengan\u00a0memanfaatkan\u00a0jasa\u00a0perbankan,\u00a0kini\u00a0lebih\u00a0memilih\u00a0untuk\u00a0bertransaksi\u00a0dengan\u00a0menggunakan\u00a0produk\u00a0–\u00a0produk\u00a0Fintech.\u00a0Fenomena\u00a0ini\u00a0didukung\u00a0dengan\u00a0adanya\u00a0pertambahan\u00a0persentase\u00a0pengguna\u00a0Fintech\u00a0yang\u00a0semula\u00a0hanya\u00a012%\u00a0kini\u00a0menjadi\u00a023%.\u00a0Akibatnya,\u00a0jumlah\u00a0transaksi\u00a0yang\u00a0melibatkan\u00a0jasa\u00a0perbankan\u00a0menjadi\u00a0turun.\u00a0 Peralihan\u00a0transaksi\u00a0perbankan\u00a0menuju\u00a0Fintech\u00a0dipengaruhi\u00a0oleh\u00a0beberapa\u00a0faktor.\u00a0Faktor\u00a0yang paling\u00a0berpengaruh\u00a0kepada\u00a0peralihan\u00a0tersebut\u00a0adalah\u00a0jumlah\u00a0permintaan\u00a0dari\u00a0masyarakat.\u00a0Permintaan\u00a0masyarakat\u00a0akan\u00a0penggunaan\u00a0Fintech\u00a0semakin\u00a0meningkat. Hal\u00a0 tersebut \u00a0disebabkan\u00a0 oleh kebutuhan \u00a0masyarakat \u00a0akan\u00a0kemudahan \u00a0dalam\u00a0bertransaksi\u00a0menggunakan\u00a0teknologi\u00a0yang\u00a0telah\u00a0menjadi\u00a0budaya\u00a0di era digital\u00a0ini.\u00a0 Selain\u00a0 oleh kebutuhan \u00a0masyarakat,\u00a0perubahan\u00a0pola\u00a0pikir\u00a0masyarakat\u00a0juga\u00a0mempengaruhi\u00a0pertumbuhan\u00a0Fintech\u00a0itu\u00a0sendiri. Masyarakat\u00a0 telah\u00a0memiliki\u00a0pola\u00a0pikir\u00a0untuk\u00a0tidak\u00a0membawa\u00a0uang\u00a0tunai\u00a0dalam\u00a0jumlah\u00a0yang\u00a0banyak.\u00a0Banyaknya promo yang\u00a0\u00a0ditawarkan\u00a0oleh\u00a0Fintech\u00a0juga\u00a0semakin\u00a0menambah\u00a0minat\u00a0masyarakat\u00a0untuk\u00a0menyimpan\u00a0dana di\u00a0dalam\u00a0produk\u00a0–\u00a0produk\u00a0Fintech\u00a0yang\u00a0ada.\u00a0 Selain\u00a0itu,\u00a0penggunaan\u00a0aplikasi\u00a0Fintech\u00a0dinilai\u00a0lebih\u00a0mudah\u00a0dan\u00a0praktis\u00a0dibandingkan\u00a0penggunaan\u00a0aplikasi\u00a0perbankan\u00a0yang\u00a0ada\u00a0di\u00a0smartphone.\u00a0Aplikasi\u00a0perbankan\u00a0seperti\u00a0m-banking\u00a0biasanya\u00a0digunakan\u00a0pengguna\u00a0untuk\u00a0top-up\u00a0saldo\u00a0di\u00a0aplikasi\u00a0Fintech.\u00a0Keuntungan\u00a0yang\u00a0diperoleh\u00a0Fintech\u00a0adalah\u00a0adanya\u00a0kerjasama\u00a0dengan\u00a0pihak\u00a0perbankan\u00a0sehingga\u00a0top-up\u00a0bisa\u00a0dilakukan\u00a0melalui\u00a0banyak\u00a0cara\u00a0dan\u00a0melalui\u00a0berbagai\u00a0macam\u00a0bank dengan\u00a0cara\u00a0yang\u00a0mudah\u00a0dan\u00a0praktis.\u00a0Sedangkan\u00a0penggunaan\u00a0aplikasi\u00a0perbankan\u00a0hanya\u00a0terbatas\u00a0pada\u00a0single platform\u00a0saja.\u00a0Ditambah\u00a0lagi\u00a0promo yang\u00a0ditawarkan\u00a0oleh\u00a0Fintech\u00a0lebih\u00a0menarik\u00a0bagi\u00a0masyarakat\u00a0dibandingkan\u00a0perbankan\u00a0yang\u00a0jarang\u00a0memberikan\u00a0promo.\u00a0Akhirnya,\u00a0masyarakat\u00a0pun\u00a0beralih\u00a0dari\u00a0produk\u00a0perbankan\u00a0kepada\u00a0Fintech.\u00a0 Dalam\u00a0menghadapi\u00a0permasalahan\u00a0tersebut,\u00a0pihak\u00a0perbankan\u00a0harus\u00a0mempersiapkan\u00a0diri\u00a0dan\u00a0mencoba\u00a0untuk\u00a0mencari\u00a0solusi\u00a0agar\u00a0produk\u00a0perbankan\u00a0tetap\u00a0digunakan\u00a0dan\u00a0tidak\u00a0ditinggalkan\u00a0begitu\u00a0saja\u00a0oleh\u00a0masyarakat.\u00a0Sistem\u00a0pembayaran\u00a0melalui\u00a0produk\u00a0Fintech\u00a0yang\u00a0telah\u00a0ada\u00a0saat\u00a0ini\u00a0di Indonesia juga\u00a0masih\u00a0memiliki\u00a0kekurangan.\u00a0Kekurangan\u00a0yang paling\u00a0dirasakan\u00a0yaitu\u00a0melalui\u00a0sistem\u00a0cashback\u00a0dan promo yang\u00a0ditawarkan\u00a0yang\u00a0membuat\u00a0masyarakat\u00a0memiliki\u00a0\u00a0pola\u00a0pikir\u00a0untuk\u00a0terus\u00a0menghabiskan\u00a0uang\u00a0dan\u00a0perlahan\u00a0melupakan\u00a0kebiasaan\u00a0untuk\u00a0menabung\u00a0di bank. Oleh\u00a0karena\u00a0itu,\u00a0pihak\u00a0perbankan\u00a0tidak\u00a0bisa\u00a0hanya\u00a0mengikuti\u00a0arus\u00a0Fintech\u00a0sekarang\u00a0ini.\u00a0Pihak\u00a0perbankan\u00a0harus\u00a0memulai\u00a0inovasi\u00a0ke\u00a0arah\u00a0Fintech\u00a0namun\u00a0tetap\u00a0membangun\u00a0kebiasaan\u00a0dan\u00a0pola\u00a0pikir\u00a0yang\u00a0baik\u00a0untuk\u00a0menggunakan\u00a0uang.\u00a0Sehingga\u00a0ada\u00a0keunggulan\u00a0dalam\u00a0produk\u00a0Fintech\u00a0yang\u00a0akan\u00a0dikeluarkan\u00a0oleh\u00a0pihak\u00a0perbankan\u00a0dan\u00a0dapat\u00a0menarik\u00a0perhatian\u00a0masyarakat\u00a0nantinya.\u00a0 Berdasarkan\u00a0pembahasan\u00a0di\u00a0atas,\u00a0dapat\u00a0disimpulkan\u00a0bahwa\u00a0meningkatnya\u00a0pengguna\u00a0Fintech\u00a0dipengaruhi\u00a0oleh\u00a0meningkatnya\u00a0permintaan\u00a0akan\u00a0transaksi\u00a0dengan\u00a0menggunakan\u00a0produk\u00a0–\u00a0produk\u00a0Fintech\u00a0tersebut.\u00a0Kemudahan\u00a0yang\u00a0disediakan\u00a0oleh\u00a0Fintech\u00a0dan […]<\/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-1926","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\/1926","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=1926"}],"version-history":[{"count":1,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts\/1926\/revisions"}],"predecessor-version":[{"id":1927,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts\/1926\/revisions\/1927"}],"wp:attachment":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/media?parent=1926"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/categories?post=1926"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/tags?post=1926"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}