It's easier to open virtual savings and digital transactions at Bank Sumsel Babel

it's easier to open virtual savings and digital transactions at Bank Sumsel Babel

 

Bank Sumsel Babel continues to strive to provide the best service to customers. In an effort to improve services to customers, Bank Sumsel Babel will carry out Soft Launching Customer On Boarding (COB) activities and various latest features of Mobile Banking transactions, located at the Bank Sumsel Babel Head Office Building, on Friday 22 April 2022.

Facing the challenges of the banking world in the evolution of industry 4.0, which requires Bank Sumsel Babel to synergize with new business institutions, both market places and Fintech as well as banking institutions and in line with the Payment System Architecture of Bank Indonesia which has launched SNAP BI National Open API Payments Standard, then in the first semester of 2022 Bank Sumsel Babel also launched an open API with the SNAP standard.

Then to further optimize service interoperability*, Bank Sumsel Babel will also implement a Virtual Account System so as to facilitate payment mechanisms, both the Billing System managed by Bank Sumsel Babel and the Billing System managed by external parties, because with Virtual Account payments can be made on all channels. payment system service company, both banking and non-banking.

In anticipation of the massive ownership and use of Smartphones in Indonesia, it is shown that based on OJK data as of January 2021, smartphone ownership has reached 343.5 million, which is 125.6% of Indonesia's population, where as of January 2021 there are 202.5 million people ( 73.7%) who access via Smartphone to the internet network.

The increase in the use of Smartphones used for access via the internet is also accelerated by the Covid-19 pandemic phenomenon where the implementation of the Health protocol requires each individual to prevent physical contact, therefore virtual communication automatically becomes a new habit.

This phenomenon is also a shift in Bank Sumsel Babel customers in accessing banking services as indicated by an increase in transactions through Bank Sumsel Babel mobile banking by 85.14%, followed by a very significant increase in Mobile Banking transactions through QRIS from 2020, which was only 3,613. transactions to 278,157 transactions per year 2021.

With these conditions, Bank Sumsel Babel will revamp its IT infrastructure as of Semester I 2022 by completing the features in Mobile Banking, namely:

1. Customer OnBoarding (COB) is a Virtual service, where prospective customers can register and open an account using a Smartphone. Prospective customers of Bank Sumsel Babel can register online through the Customer On Boarding (COB) Application and are verified in two stages, namely

a. Verify via OTP.

b. Verification via video call by Call Agent of Bank Sumsel Babel

 

2. ZISWAF, i.e. Customers can pay Zakat, Infaq, Sodaqoh and Waqf by using a Smartphone.

3. Digital Loan, namely the customer of Bank Sumsel Babel to top up credit by using a Smartphone.

4. Payment services such as PBB payments, Tokopedia, Go Pay Top Up, PUSRI Purchase Order (PO), BPJS, Indovision, Ticketing (Garuda Indonesia and Lion Air), Data Packages (Simpati and Kartu As).

 

*Interoperability is where an application can interact with other applications through a mutually agreed protocol over various communication lines.