Branchless Banking: Leveraging Digital Purpose DIVISI E-BANKING PT. Bank Negara Indonesia (Persero) Tbk This presentation has been prepared specifically for BNI. The content of this presentation may not be used,duplicated or transmitted in any form without the written consent from BNI. All rights reserved.
Think for a while 2 Different Target: Urban vs Rural BUSINESS FAVORITE OUR CHALLENGE
Our Homework Global Financial Index (2014) 94% High Income Income Country 75% (2019) 35,9% Indonesia 69% East Asia & Pacific Source: The Global Findex Database 2014 (World Bank, 2015), CNN Indonesia (2017)
Indonesian Government National Financial Inclusion Strategy Basic Saving Account Loan Uang Elektronik Insurance CHALLENGE FOR BANK TO FULFIL
Government and Banks Our Challenge to Develop the Solution COMBINING TECHNOLOGY AND FINANCIAL SERVICES IDENTIFY COMMUNITY CHARACTERISTIC
FINTECH BANK fast transaction tech-savvy adaptive market fulfillment assurance KYC business expert Basic Product & Financing flexible wide options quick acquisition proven account increase scalability production capability bank s influence brand and employee
BNI Branchless Banking Model Spirit to Leverage Digital Purpose Layanan Keuangan Digital Laku Pandai E-Payment Cash in UnikQu Cash out UnikQu E-Wallet Account Opening Cash in & out Micro Lending Micro Insurance Bill Payment Electric, BPJS KS, Telkom, Credit Card, etc. Purchasing Electric, Top-up all provider
Laku Pandai Performance Highlight BNI Agen 46 >55.000 agen Tersebar di seluruh Indonesia Rp300.000 (Ratas Saldo) 48,88% Agen Aktif (100 Trx/bln) 34 Propinsi 467 Kabupaten 3.656 Kecamatan 11.650 Kelurahan Web (PC, Smartphone) EDC Mini ATM 1.200.000 Jumlah rekening BNI Pandai 14,5 juta Trx Rp. 1.9 T SV Tahun 2016
Example on E-Wallet Case Bantuan Sosial (Bansos) Model
The Roadmap of Agen 46 One Stop Financial Solution Existing Goverment Channel for Govt. Assist (BANSOS) Micro Lending & Micro Insurance Laku Pandai, LKD dan E-Payment Next E-Commerce Q2 Q2 Q2 Ticketing and Hotel Reservation Remmitance???? FINTECH/START UP
Agen46 Challenge Improve Agen46 Capabilities Pemahaman Alat dan Produk Edukasi penggunaan aplikasi Agen46 Edukasi Produk Agen46 Informasi Layanan Agen46 oleh Masyarakat Sekitar Informasi tentang layanan Agen46 Efektifitas media dan format komunikasi Kinerja Agen46 Peningkatan produktifitas Agen46 Efektifitas Organisasi
Kinerja Agen46 (1) Program Peningkatan Produktivitas Agen46 Mystery Shopper dan Whistle-blowing Random Visit untuk memastikan kapabilitas Agen46 dalam hal : Pemahaman Produk Pemahaman Cara Bertransaksi dan Penggunaan Alat Optimalisasi staff internal di Cabang dan Wilayah Wbs-agen46@bni.co.id Peningkatan Pengetahuan Produk Enhancement Website https://agen46.co.id dan Social Media Pendaftaran online Informasi Produk Informasi Promo Program Loyalty Program Join Promo (contoh : Program Emas Telkomsel) Program Sweetener Agen46 (contoh : Program Rejeki Agen46) Pembelian Gimmick untuk Agen46 Starship Program Agen46
Kinerja Agen46 (2) Program Peningkatan Produktivitas Agen46 Efektifitas Organisasi Pemisahan Fungsi Akusisi dan Farmer Pemenuhan Rasio Efektif tenaga akuisisi dan farmer Marketing dan Komunikasi Perubahan Format Materi Komunikasi Desain Baru Materi Komunikasi yang lebih efektif (contoh : penggunaan logo Biller pada Banner) Komunikasi Informasi Agen46 di Lokal Daerah Masing-masing ( contoh : Billboard) Campaign Inklusi Keuangan di Komunitas Masyarakat ( contoh : Koperasi, Kelurahan ) Sosial Media
Registrasi Online Agen46
Reservasi Hotel & Tiket
Starship Agen46 Rata-rata transaksi per bulan 50 119 transaksi Rata-rata transaksi per bulan 120 149 transaksi Rata-rata transaksi per bulan > 150 transaksi
Appendix Program dan Event 17
Our Challenge to All of You Empower Indonesia through Your Innovation THIS NATION NEEDS US
BNI digination Empowering Indonesia
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