{"id":2286,"date":"2019-10-09T12:00:00","date_gmt":"2019-10-09T05:00:00","guid":{"rendered":"https:\/\/webdev.teradata.co.id\/?p=2286"},"modified":"2023-11-14T10:38:09","modified_gmt":"2023-11-14T03:38:09","slug":"tantangan-perbankan-digital-era-milenial","status":"publish","type":"post","link":"https:\/\/teradata.co.id\/index.php\/tantangan-perbankan-digital-era-milenial\/","title":{"rendered":"Tantangan Perbankan Digital Era Milenial"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2286\" class=\"elementor elementor-2286\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e3b04ea elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"e3b04ea\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-05005c7\" data-id=\"05005c7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-776b487 elementor-widget elementor-widget-heading\" data-id=\"776b487\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">News<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7bee424 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"7bee424\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9f02f07\" data-id=\"9f02f07\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27c238e elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"27c238e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b76bf4\" data-id=\"6b76bf4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b6c821f elementor-widget elementor-widget-wpr-post-title\" data-id=\"b6c821f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"wpr-post-title\">Tantangan Perbankan Digital Era Milenial<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4608560 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"4608560\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-37a4bb0\" data-id=\"37a4bb0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-feb8d10 wpr-post-info-align-center elementor-widget elementor-widget-wpr-post-info\" data-id=\"feb8d10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"wpr-post-info wpr-post-info-horizontal\"><li class=\"wpr-post-info-author\"><img alt='' src='https:\/\/secure.gravatar.com\/avatar\/edfacbc9cdb7e252ac2c06f73c67a5f5?s=65&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/edfacbc9cdb7e252ac2c06f73c67a5f5?s=130&#038;d=mm&#038;r=g 2x' class='avatar avatar-65 photo' height='65' width='65' \/><span>Teradata<\/span><\/li><li class=\"wpr-post-info-date\"><span>October 9, 2019<\/span><\/li><\/ul>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e51978a elementor-widget elementor-widget-shortcode\" data-id=\"e51978a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"> <div class='avc_visit_counter_front' style='border: 1px solid #000000;background-color: rgb(247,148,29,0);border-radius:25px;font-size: 16px; width: 100%; max-width:150px; margin: 0 auto;padding:5px;'>Visits: 181  <\/div> <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ce5add5 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"ce5add5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7fafc47\" data-id=\"7fafc47\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9f3e2c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"9f3e2c5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ec31a1\" data-id=\"3ec31a1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28e94e5 elementor-widget elementor-widget-text-editor\" data-id=\"28e94e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"justify\">Selama 10 tahun terakhir, <em><i>digital<\/i><\/em><em><i> b<\/i><\/em><em><i>anking<\/i><\/em> atau perbankan digital menunjukkan peningkatan yang sangat tajam. Jauh lebih tajam dari dekade-dekade sebelumnya. Hal itu ditandai dengan munculnya produk-produk perbankan berbasis digital. Dimulai dari <em><i>mobile<\/i><\/em><em><i>\u00a0<\/i><\/em><em><i>banking, digital money<\/i><\/em>\u00a0atau <em><i>electronic money, cashless transaction<\/i><\/em> melalui QR\u00a0Code, transaksi berbasis <em><i>biometric<\/i><\/em>, dan transaksi\u00a0berbasis<em><i> blockchain<\/i><\/em>. Pesatnya perkembangan teknologi digital perbankan menjadi tantangan baru. Pada Blog ini akan dibahas lebih lanjut mengenai tantangan perbankan digital di era milenial ini.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b0c244 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"4b0c244\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23a1580\" data-id=\"23a1580\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-20a95f1 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"20a95f1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e9a94a8\" data-id=\"e9a94a8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a8c2892 elementor-widget elementor-widget-text-editor\" data-id=\"a8c2892\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Industri perbankan dihadapkan pada dua pilihan: ikut mengadopsi teknologi digital agar bank bertahan \u201chidup\u201d atau tetap konvensional, namun perlahan-lahan \u201cgugur\u201d.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ff582e5 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"ff582e5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4693386\" data-id=\"4693386\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-931bf95 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"931bf95\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-75a5aac\" data-id=\"75a5aac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46aeb84 elementor-widget elementor-widget-text-editor\" data-id=\"46aeb84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"justify\">Bank perlu terus meningkatkan pelayanan nasabah melalui transformasi digital. Namun transformasi tersebut juga harus jeli dan tepat sesuai kebutuhan pasar. Misalnya perbankan sebaiknya fokus mengembangkan dan melengkapi berbagai fitur untuk <em><i>m<\/i><\/em><em><i>obile banking<\/i><\/em>&nbsp;kepada nasabah individual&nbsp;daripada <em><i>internet banking<\/i><\/em>. Hal ini karena selain pertumbuhan pengguna <em><i>smartphone<\/i><\/em> di Indonesia yang meningkat pesat setiap tahunnya, karakter masyarakat, khususnya masyarakat milenial saat ini cenderung lebih memilih layanan perbankan yang memberikan kemudahan dan kecepatan bertransaksi setiap saat dan di mana saja.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-543431b elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"543431b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7636661\" data-id=\"7636661\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84e6493 elementor-widget elementor-widget-text-editor\" data-id=\"84e6493\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"justify\">Selain itu masyarakat millennial pun tidak terlalu tertarik dengan persaingan suku bunga. Persaingan suku bunga hanya akan mengakibatkan <em><i>Net Interest<\/i><\/em><em><i>\u00a0<\/i><\/em><em><i>Margin<\/i><\/em>\u00a0atau NIM rendah karena bank perlu membayar\u00a0<em><i>cost of fund<\/i><\/em>\u00a0yang lebih\u00a0tinggi, sedangkan\u00a0lending\u00a0rate yang lebih rendah untuk\u00a0menggaet nasabah.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-60603a1 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"60603a1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-26a0660\" data-id=\"26a0660\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d2b2da2 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"d2b2da2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f8e58ed\" data-id=\"f8e58ed\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a56ae0e elementor-widget elementor-widget-image\" data-id=\"a56ae0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"450\" height=\"314\" src=\"https:\/\/teradata.co.id\/wp-content\/uploads\/2019\/10\/Picture1-450x314-1.png\" class=\"attachment-full size-full wp-image-2289\" alt=\"Tantangan Perbankan Digital Era Milenial\" srcset=\"https:\/\/teradata.co.id\/wp-content\/uploads\/2019\/10\/Picture1-450x314-1.png 450w, https:\/\/teradata.co.id\/wp-content\/uploads\/2019\/10\/Picture1-450x314-1-300x209.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a0e5ff elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"2a0e5ff\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-14be6f5\" data-id=\"14be6f5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cf2fd82 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"cf2fd82\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9933e54\" data-id=\"9933e54\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c010176 elementor-widget elementor-widget-text-editor\" data-id=\"c010176\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p align=\"justify\">Lebih lanjut, kesan\u00a0transformasi <em><i>digital banking<\/i><\/em>\u00a0memerlukan investasi yang\u00a0sangat besar perlu dikaji\u00a0ulang. Implementasi <em><i>d<\/i><\/em><em><i>igital<\/i><\/em><em><i>\u00a0<\/i><\/em><em><i>banking<\/i><\/em>\u00a0seharusnya\u00a0dilakukan secara bertahap\u00a0sesuai kebutuhan masing-masing bank. Investasi\u00a0<em><i>delivery channels<\/i><\/em> untuk<em><i> digital banking<\/i><\/em>, misalnya\u00a0transaksi berbasis <em><i>biometric, mobile banking,<\/i><\/em><em><i>\u00a0<\/i><\/em><em><i>internet banking, cardless<\/i><\/em><em><i>\u00a0<\/i><\/em>ATM, dan QR Code yang\u00a0tepat sasaran justru akan\u00a0menghemat biaya operasional bank sekaligus memitigasi resiko operasional bank. Penyediaan fasilitas transaksi <em><i>digital banking<\/i><\/em>\u00a0yang lengkap akan\u00a0mengurangi kegiatan operasional kantor bank.\u00a0Bank bisa menghemat biaya\u00a0operasional karena bank tidak perlu membayar biaya\u00a0untuk transaksi melalui\u00a0internet. Biaya internet,<em><i> smartphone<\/i><\/em> dan<em><i> personal computer<\/i><\/em> (PC) ditanggung sepenuhnya oleh nasabah.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ea83500 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"ea83500\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c28a639\" data-id=\"c28a639\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8e50a9c elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"8e50a9c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6bc4209\" data-id=\"6bc4209\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c1be250 elementor-widget elementor-widget-text-editor\" data-id=\"c1be250\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Perlu diketahui oleh para pelaku industri perbankan, bahwa konsep digital banking yang lengkap terdiri dari tiga komponen, yaitu:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b222ad5 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"b222ad5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-06bd985\" data-id=\"06bd985\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b13056 elementor-widget elementor-widget-text-editor\" data-id=\"9b13056\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol>\n \t<li><i><\/i><em><i><strong>Frontend delivery Channel<\/strong><\/i><\/em><\/li>\n<\/ol>\n<p style=\"padding-left: 50px;\">Yang diulas di atas adalah sebagian contoh dari <em><i>frontend delivery channels<\/i><\/em>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d81cc85 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"d81cc85\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f9fca92\" data-id=\"f9fca92\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f1358fb elementor-widget elementor-widget-text-editor\" data-id=\"f1358fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol start=\"2\">\n<li><em><i><strong>Middleware<\/strong><\/i><\/em><\/li>\n<\/ol>\n<p style=\"padding-left: 50px;\" align=\"justify\">Komponen <em><i>middleware<\/i><\/em><i> <\/i><em><i>digital banking <\/i><\/em>tidak berhadapan secara langsung dengan nasabah. Komponen<em><i> m<\/i><\/em><em><i>iddleware <\/i><\/em>merupakan komponen penting untuk menunjang pengembangan lanjutan <em><i>digital banking<\/i><\/em> melalui berbagai modul lainnya termasuk inovasi modul baru. Misalnya modul <em><i>Customer <\/i><\/em><em><i>Relationship Management <\/i><\/em>(CRM) yang ditunjang lewat media sosial, <em><i>Loan Origination System <\/i><\/em>(LOS) melalui formulir elektronik, berbagai<em><i> Application Program Interface<\/i><\/em> (API) untuk menunjang fasilitas&nbsp;<em><i>Bank as a Service<\/i><\/em>&nbsp;(BaaS)&nbsp;dan <em><i>Bank as a Platform<\/i><\/em> (BaaP). Fasilitas BaaS dan BaaP merupakan komponen layanan <em><i>open banking <\/i><\/em>yang sangat dibutuhkan untuk menunjang transaksi<em><i> electronic commerce<\/i><\/em> (<em><i>e-commerce<\/i><\/em>),<em><i> financial technology<\/i><\/em> (<em><i>fintech<\/i><\/em>) dan<em><i> digital money<\/i><\/em>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bbc3218 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"bbc3218\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2259fc9\" data-id=\"2259fc9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28fbc01 elementor-widget elementor-widget-text-editor\" data-id=\"28fbc01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol start=\"3\"><li><i><\/i><em><i><strong>Backend System<\/strong><\/i><\/em><\/li><\/ol><p style=\"padding-left: 50px;\" align=\"justify\">Komponen <em><i>backend<\/i><\/em><i> <\/i><em><i>digital banking <\/i><\/em>merupakan komponen utama yang bersifat <em><i>mission critical <\/i><\/em>dan dirancang untuk otomasi berbagai proses. Bank mutlak memerlukan support yang berkelanjutan dari vendor yang kompeten setiap saat. Komponen<em><i> backend digital banking <\/i><\/em>yang handal, fleksibel dan siap untuk dilakukan berbagai <em><i>enhancement<\/i><\/em> untuk mendukung bisnis\u00a0perbankan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7f254e1 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"7f254e1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-28f52be\" data-id=\"28f52be\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-22f0584 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"22f0584\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f6707b7\" data-id=\"f6707b7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c161041 elementor-grid-0 elementor-widget elementor-widget-wpr-sharing-buttons\" data-id=\"c161041\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpr-sharing-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wpr-sharing-buttons elementor-grid wpr-sharing-official wpr-sharing-label-off wpr-sharing-label-tr\"><div class=\"elementor-grid-item\"><a href=\"https:\/\/www.facebook.com\/sharer.php?u=https:\/\/teradata.co.id\/index.php\/tantangan-perbankan-digital-era-milenial\/\" class=\"wpr-sharing-icon wpr-sharing-facebook-f\" title=\"\" target=\"_blank\"><i class=\"fab fa-facebook-f\"><\/i><\/a><\/div><div class=\"elementor-grid-item\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/teradata.co.id\/index.php\/tantangan-perbankan-digital-era-milenial\/\" class=\"wpr-sharing-icon wpr-sharing-twitter\" title=\"\" target=\"_blank\"><i class=\"fab fa-twitter\"><\/i><\/a><\/div><div class=\"elementor-grid-item\"><a 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\"\/><\/g><\/svg><\/div><\/a><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-794de66 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"794de66\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6bdf777\" data-id=\"6bdf777\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Selama 10 tahun terakhir, digital banking atau perbankan digital menunjukkan peningkatan yang sangat tajam. Jauh lebih tajam dari dekade-dekade sebelumnya. Hal itu ditandai dengan munculnya produk-produk perbankan berbasis digital. Dimulai dari mobile banking, digital money atau electronic money, cashless transaction melalui QR Code<\/p>\n","protected":false},"author":4,"featured_media":2287,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[39,40,41,69,42,43,82,80,81,48,44],"class_list":["post-2286","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lain-lain","tag-aplikasi-bank-bpr","tag-aplikasi-mobile","tag-aplikasi-web","tag-cashless","tag-core-banking","tag-data-center","tag-digital-money","tag-e-commerce","tag-electronic-money","tag-fintech","tag-konsultan-it","entry"],"jetpack_featured_media_url":"https:\/\/teradata.co.id\/wp-content\/uploads\/2022\/06\/judul-digital-banking.png","_links":{"self":[{"href":"https:\/\/teradata.co.id\/index.php\/wp-json\/wp\/v2\/posts\/2286"}],"collection":[{"href":"https:\/\/teradata.co.id\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/teradata.co.id\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/teradata.co.id\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/teradata.co.id\/index.php\/wp-json\/wp\/v2\/comments?post=2286"}],"version-history":[{"count":0,"href":"https:\/\/teradata.co.id\/index.php\/wp-json\/wp\/v2\/posts\/2286\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/teradata.co.id\/index.php\/wp-json\/wp\/v2\/media\/2287"}],"wp:attachment":[{"href":"https:\/\/teradata.co.id\/index.php\/wp-json\/wp\/v2\/media?parent=2286"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/teradata.co.id\/index.php\/wp-json\/wp\/v2\/categories?post=2286"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/teradata.co.id\/index.php\/wp-json\/wp\/v2\/tags?post=2286"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}