{"id":401955,"date":"2019-01-03T12:38:59","date_gmt":"2019-01-03T05:38:59","guid":{"rendered":"http:\/\/vibiznews.com\/?p=401955"},"modified":"2019-01-03T12:38:59","modified_gmt":"2019-01-03T05:38:59","slug":"bank-besar-global-berencana-memangkas-program-hadiah-kartu-kredit-mereka","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2019\/01\/03\/bank-besar-global-berencana-memangkas-program-hadiah-kartu-kredit-mereka\/","title":{"rendered":"Bank Besar Global Berencana Memangkas Program Hadiah Kartu Kredit Mereka"},"content":{"rendered":"<p>(Vibiznews \u2013 Banking) &#8211; Sejumlah institusi keuangan besar dunia, termasuk JP Morgan Chase &amp; Co, Citigroup Inc, dan American Express Co berencana mengurangi atau mengubah beberapa program hadiah (<em>rewards<\/em>) yang ditawarkan bisnis kartu kredit mereka kepada nasabah, demikian Wall Street Journal (WSJ) melaporkannya, sebagaimana dilansir dari Reuters pada Rabu (2\/01).<\/p>\n<p>Lembaga keuangan tersebut tidak berencana untuk mengakhiri program <em>rewards<\/em> secara sepenuhnya, tetapi ingin mengubahnya dengan cara yang dapat meningkatkan penggunaan kartu kredit dan mengurangi bonus hadiah di muka, demikian dibagikan kepada WSJ.<\/p>\n<p>Bank secara historis biasanya menawarkan hadiah seperti gratis travel udara ke pengguna kartu kredit premium, baik untuk memikat nasabah maupun mendorong untuk belanja lebih banyak pada kartu mereka.<\/p>\n<p>Tetapi beberapa lembaga keuangan sekarang berusaha untuk merevisi strategi hadiah mereka, yang berada di bawah tekanan karena konsumen sekarang lebih pandai dalam memanfaatkan penggunaan kartu kredit mereka, kata Journal yang dikutip Reuters (2\/01).<\/p>\n<p>Biaya program hadiah dilaporkan telah tumbuh rata-rata 15 persen per tahunnya pada kuartal ketiga 2018 di beberapa <em>provider<\/em> kartu kredit terbesar, demikian menurut analis bank Charles Peabody kepada Journal.<\/p>\n<p>Sementara itu, pada saat yang sama, pendapatan utama lainnya dari kartu kredit &#8211; biaya yang dibayarkan oleh <em>retailers<\/em> ke perusahaan kartu kredit &#8211; berkurang ketika para <em>merchants<\/em> menekan lewat tuntutan hukum terhadap apa yang mereka anggap sebagai biaya yang berlebihan.<\/p>\n<p>&nbsp;<\/p>\n<p>Analis Vibiznews melihat bahwa ke depannya bisa jadi sejumlah <em>provider<\/em> kartu kredit di Indonesia akan juga memangkas program <em>rewards<\/em> kartu kredit mereka. Hal ini mungkin terjadi karena tekanan persaingan yang meningkat, berupa bertambahnya alternatif pembayaran digital seperti e-money dan e-wallet. Belum lagi maraknya penyedia <em>fintech<\/em> dengan kredit <em>online<\/em> tanpa kartu.<\/p>\n<p>Asosiasi Kartu Kredit Indonesia (AKKI) kabarnya untuk tahun 2019 menargetkan transaksi kartu kredit tumbuh sebesar 5% yoy. Sementara itu, disadari bahwa ke depannya akan lebih ramai lagi industri pembayaran digital di Indonesia.<\/p>\n<p>Penerbit kartu kredit sekarang ditantang untuk lebih kreatif dan inovatif dalam menawarkan berbagai program kepada nasabah kartu.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><em>Alfred Pakasi\/VBN\/MP Vibiz Consulting Group<\/em><\/p>\n<p><em>Editor: Asido<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking) &#8211; Sejumlah institusi keuangan besar dunia, termasuk JP Morgan Chase &amp; Co, Citigroup Inc, dan American Express Co berencana mengurangi atau mengubah beberapa program hadiah (rewards) yang ditawarkan bisnis kartu kredit mereka kepada nasabah, demikian Wall Street Journal (WSJ) melaporkannya, sebagaimana dilansir dari Reuters pada Rabu (2\/01). Lembaga keuangan tersebut tidak berencana [&hellip;]<\/p>\n","protected":false},"author":101011,"featured_media":401957,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[27,353,3],"tags":[],"class_list":["post-401955","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles-of-the-week","category-banking-insurance","category-featured"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank Besar Global Berencana Memangkas Program Hadiah Kartu Kredit Mereka - Vibiznews.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vibiznews.com\/index.php\/2019\/01\/03\/bank-besar-global-berencana-memangkas-program-hadiah-kartu-kredit-mereka\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank Besar Global Berencana Memangkas Program Hadiah Kartu Kredit Mereka - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking) &#8211; Sejumlah institusi keuangan besar dunia, termasuk JP Morgan Chase &amp; Co, Citigroup Inc, dan American Express Co berencana mengurangi atau mengubah beberapa program hadiah (rewards) yang ditawarkan bisnis kartu kredit mereka kepada nasabah, demikian Wall Street Journal (WSJ) melaporkannya, sebagaimana dilansir dari Reuters pada Rabu (2\/01). 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