{"id":544659,"date":"2023-03-29T17:02:10","date_gmt":"2023-03-29T10:02:10","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=544659"},"modified":"2023-03-29T17:02:10","modified_gmt":"2023-03-29T10:02:10","slug":"bi-ungkapkan-perkembangan-digitalisasi-perbankan-pesat","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2023\/03\/29\/bi-ungkapkan-perkembangan-digitalisasi-perbankan-pesat\/","title":{"rendered":"BI Ungkapkan Perkembangan Digitalisasi Perbankan Pesat"},"content":{"rendered":"
(Vibiznews \u2013 Banking & Insurance) \u2013 Sejalan dengan perkembangan zaman, tak dapat dipungkiri bahwa digitalisasi kini memberikan kemudahan masyarakat dalam melakukan aktivitasnya. Salah satunya lewat digitalisasi sistem perbankan.<\/h5>\n

Perlu diketahui, transaksi ekonomi dan keuangan digital berkembang pesat dalam mendorong kegiatan ekonomi. Perkembangan ini ditopang kegiatan ekonomi digital yang makin luas, sistem pembayaran digital yang makin mudah. Hal ini sejalan dukungan sistem pembayaran BI yang lancar dan andal, serta digital banking yang naik pesat.<\/p>\n

Berdasarkan data Bank Indonesia, nilai transaksi uang elektronik (UE) pada Februari 2023 tumbuh tinggi 31,14% (yoy) sehingga mencapai Rp35,7 triliun. Nilai transaksi digital banking meningkat 28,35% (yoy) menjadi Rp4.332,1 triliun.<\/p>\n

Direktur Kebijakan Makroprudensial Bank Indonesia (BI), Sally Marintan Hutapea menyampaikan bahwa ekonomi digital di Indonesia telah mencapai US$ 77 miliar. Dan diperkirakan akan meningkat dua kali lipat di 2025 menjadi US$ 130 miliar. Dikatakannya, peningkatan tersebut seiring dengan berkembangnya digitalisasi perbankan atau digital banking.<\/p>\n

Dalam Media Roundtable Discussion \u2018Inklusi Ekosistem Digital untuk Pertumbuhan Ekonomi Berkelanjutan\u2019 pada Selasa (28\/3), Sally mengatakan\u201d Ada beberapa model perkembangan digital banking. Yaitu, ada perbankan digital, ada bank-bank konvensional yang memberikan layanan digital, ada bank digital baru sejak 2021.\u201d<\/h5>\n

Sally mengungkapkan, pihaknya memantau intermediasi perbankan dalam kanal digital dari tahun ke tahun terus berkembang namun masih terbatas. Dikatakannya, intermediasi melalui kanal digital masih di bawah 1% sedangkan untuk channeling melalui ekosistem sedikit lebih besar.<\/p>\n

Untuk bank-bank digital sendiri menunjukkan perkembangan yang pesat sejak 2021 untuk intermediasi, karena mereka fokus terhadap kredit digital. Jika ditanya kredit apa yang paling besar yaitu Kredit Tanpa Agunan (KTA),\u201d ungkapnya.<\/p>\n

Sebagai informasi, berdasarkan data BI besaran KTA untuk segmen perorangan mencapai Rp 14 triliun dengan pangsa pasar sebesar 59,51%. Sementara itu, di segmen UMKM besaran KTA mencapai Rp 6,15 triliun dengan pangsa 26,14%.<\/p>\n

Lebih lanjut Sally menambahkan, berdasarkan survei BI hubungan antara bank dan ekosistem seperti fintech<\/em>, perusahaan pembiayaan dan e-commerce<\/em> dapat meningkatkan peluang inklusi keuangan. Karena menurutnya, tidak semua bank bisa mengakses hal yang terkecil.<\/h5>\n

\u201cPartnership ini memungkinkan untuk penyaluran kredit dari bank kepada mereka yang punya kredit skoring sendiri. Dan terbukti partnership saling menguntungkan bagi Bank berbasis layanan digital yang bentuknya partnership melalui financial institution. Atau melalui ekosistem itu dapat meningkatkan inklusi baik kredit produktif maupun konsumtif,\u201d tambahnya.<\/p>\n

Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n

 <\/p>\n

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

(Vibiznews \u2013 Banking & Insurance) \u2013 Sejalan dengan perkembangan zaman, tak dapat dipungkiri bahwa digitalisasi kini memberikan kemudahan masyarakat dalam melakukan aktivitasnya. Salah satunya lewat digitalisasi sistem perbankan. Perlu diketahui, transaksi ekonomi dan keuangan digital berkembang pesat dalam mendorong kegiatan ekonomi. Perkembangan ini ditopang kegiatan ekonomi digital yang makin luas, sistem pembayaran digital yang makin […]<\/p>\n","protected":false},"author":101013,"featured_media":320625,"comment_status":"closed","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":[353,183],"tags":[14059,6189,6139],"class_list":["post-544659","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-technology","tag-digitalisasi-perbankan","tag-e-commerce","tag-fintech"],"yoast_head":"\nBI Ungkapkan Perkembangan Digitalisasi Perbankan Pesat - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"Hal ini sejalan dukungan sistem pembayaran BI yang lancar dan andal, serta digital banking yang naik pesat.\" \/>\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\/2023\/03\/29\/bi-ungkapkan-perkembangan-digitalisasi-perbankan-pesat\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BI Ungkapkan Perkembangan Digitalisasi Perbankan Pesat - 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