{"id":571306,"date":"2024-10-06T17:57:58","date_gmt":"2024-10-06T10:57:58","guid":{"rendered":"https:\/\/vibiznews.com\/?p=571306"},"modified":"2024-10-06T17:57:58","modified_gmt":"2024-10-06T10:57:58","slug":"ribuan-mesin-atm-bank-tutup-masyarakat-bergeser-ke-mobile-banking","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2024\/10\/06\/ribuan-mesin-atm-bank-tutup-masyarakat-bergeser-ke-mobile-banking\/","title":{"rendered":"Ribuan Mesin ATM Bank Tutup, Masyarakat Bergeser ke Mobile Banking"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Laporan Surveillance Perbankan Indonesia oleh Otoritas Jasa Keuangan (OJK) mengungkapkan bahwa sejumlah bank di Indonesia memangkas jumlah mesin ATM di berbagai tempat.<\/p>\n<h5 style=\"text-align: justify;\">Apa penyebabnya?<\/h5>\n<p style=\"text-align: justify;\">Melalui laporannya, OJK memaparkan, jaringan kantor bank umum konvensional (BUK) di seluruh Indonesia per triwulan IV-2023 berkurang sebanyak 4.676 unit. Sehingga saat ini hanya tersisa 115.539 unit.<\/p>\n<p style=\"text-align: justify;\">Jaringan kantor terbanyak masih didominasi oleh terminal perbankan elektronik (ATM\/CDM\/CRM) sebanyak 91.412 unit. Jumlah itu menyusut sebanyak 1.417 unit, yakni dari setahun sebelumnya 92.829 unit dari tiga bulan sebelumnya.<\/p>\n<p style=\"text-align: justify;\">Pengamat Perbankan dan Praktisi Sistem Pembayaran, Arianto Muditomo menyebut, ada beberapa penyebab di balik terjadinya fenomena ini. Salah satunya bergesernya budaya transaksi masyarakat dari menggunakan uang tunai menjadi ke layanan digital alias mobile banking dan aplikasi.<\/p>\n<h5 style=\"text-align: justify;\">Selain itu, ada biaya investasi dan perawatan mesin ATM relatif tinggi. Sedangkan dari sudut pandang nasabah, Arianto menyebut ada kebiasaan baru untuk menggunakan <em>mobile banking<\/em> dan <em>mobile apps<\/em> untuk transaksi keuangannya.<\/h5>\n<p style=\"text-align: justify;\"><em>Mobile banking<\/em> memungkinkan nasabah melakukan transaksi kapan saja dan di mana saja tanpa harus pergi ke ATM, menghemat waktu dan tenaga. Hal inilah yang menjadi pilihan masyarakat karena lebih efisien tentunya.<\/p>\n<p style=\"text-align: justify;\">&#8220;Penurunan jumlah mesin ATM di Indonesia merupakan fenomena yang kompleks dengan berbagai faktor yang mendasarinya. Baik dari sudut pandang bank maupun nasabah, terdapat alasan logis dan strategis di balik tren ini,&#8221; kata Arianto kepada media, Sabtu (5\/10\/2024)<\/p>\n<h5 style=\"text-align: justify;\">Meski demikian, beliau mengatakan, ATM masih tetap menjadi layanan penting bagi banyak nasabah, terutama di daerah yang belum memiliki akses internet yang memadai.<\/h5>\n<p style=\"text-align: justify;\">Oleh sebab itu, ia mengimbau bank perlu terus berinovasi dan beradaptasi dengan kebutuhan nasabah. Yakni dengan tetap menyediakan layanan ATM yang aman, mudah diakses, dan memenuhi kebutuhan nasabah di era digital ini.<\/p>\n<p style=\"text-align: justify;\">Lagipula, meskipun <em>mobile banking<\/em> menawarkan kemudahan, isu keamanan menjadi perhatian utama. Nasabah perlu lebih waspada terhadap potensi penipuan dan pembobolan data.<\/p>\n<p style=\"text-align: justify;\">Ke depannya, akan ditemukan keseimbangan baru atas pengguna layanan digital penuh, ATM dan gerai cabang fisik bank.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibiznews \u2013 Banking &amp; Insurance) \u2013 Laporan Surveillance Perbankan Indonesia oleh Otoritas Jasa Keuangan (OJK) mengungkapkan bahwa sejumlah bank di Indonesia memangkas jumlah mesin ATM di berbagai tempat. Apa penyebabnya? Melalui laporannya, OJK memaparkan, jaringan kantor bank umum konvensional (BUK) di seluruh Indonesia per triwulan IV-2023 berkurang sebanyak 4.676 unit. Sehingga saat ini hanya [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":465721,"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],"tags":[6175,13005],"class_list":["post-571306","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-atm","tag-mobile-banking"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ribuan Mesin ATM Bank Tutup, Masyarakat Bergeser ke Mobile Banking - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"Laporan Surveillance Perbankan Indonesia oleh OJK mengungkapkan bahwa sejumlah bank di Indonesia memangkas jumlah mesin ATM di berbagai tempa\" \/>\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\/2024\/10\/06\/ribuan-mesin-atm-bank-tutup-masyarakat-bergeser-ke-mobile-banking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ribuan Mesin ATM Bank Tutup, Masyarakat Bergeser ke Mobile Banking - 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