PERKEMBANGAN

FINANCIAL TEHCNOLOGY
ASISTENSI
Bank as an Intermediary Institution
● Bank’s Roles:

○ Transformation function

○ Cover the risks

○ Monitoring function

● Bank deals with asymmetric information, adverse selection and moral hazard

● Bank takes deposits and uses the funds to make loan  banks tend to borrow short and
lend long” (in terms of maturity).

● Earnings: Interest margin and Fees

 Store

Data
Transforming
Processing

Bank
Functions

Payment
Collecting
Service
BANK ACTIVITIES

 Daily transaction
 Lending
 Saving
 Investment management
 Payments
 Money transfer
FORCES
Competition

Globalization Consolidation

Deregulation technology
 Ability to
improve
Service
s

Impacts of
Technology
Developmen
t

Data Change
collectio consumer
n behavior
Motivasi inovasi
 Efisiensi transaksi keuangan dan Lembaga Keuangan
 Persaingan yang ketat mendorong lembaga keuangan
untuk melakukan efisiensi biaya pelayanan dan operasi
lembaga keuangan
 Peralihan interest based ke fee based income
 Volatilitas suku bunga membuat risk exposures lembaga
keuangan pada earning asset makin besar, dibutuhkan
pendapatan lainnya yang tidak sensitif terhadap
perubahan suku bunga
 Permintaan Pengguna Jasa
 Volatilitas suku bunga membuat pengguna jasa
berkeinginan kuat untuk mengurangi variabel suku
bunga (baik karena alasan agama maupun alasan
ekonomi)
 Kemudahan Transaksi
 kemudahan transaksi bagi nasabah baik dalam hal
operasi (internet banking, mobile banking etc) maupun
ketersediaan assortment product keuangan.
 FINTECH
Using technology as an enabler of financial
product/service
Combination of financial service and
information technology information

APAKAH ITU?
 BANK AND INFORMATION
TEHCNOLOGY

Fintech 3.0
“New Provider”
Fintech 2.0
Digitalization

Fintech 1.0
Analog to
Digital
FINTECH: PROVIDE NEW PRODUCT
Lending Product
• Peer to Peer Lending, supply chain
Credit, ecommerce lending
• Note: Peer to Peer lending mampu
mempertemukan surplus unit dan
deficit unit seperti bank sebagai
lembaga intermediary yang juga
bisa melaksanakan hal tersebut

Payment and Transfer

• Peer to peer Transfer, blockchain

Wealth Management
• Robo-advisory
BENEFITS OF FINTECH

• Increase Competition
- Lower price seperti
menurunkan harga jasa
keuangan
- Higher efficiency
- Diverse services

• Increase financial inclusion/

inklusi keuangan

• Data management
 KEY DRIVERS

- The increasing rate of digital penetration

- The shift in demography
- Advancement of technology for financial needs
- Shifting customer behavior towards their digital
usage
- Emergence of fintech start-ups

?
 Personalized Credit
Information
Information
BANK FIGHTS BACK Client
Client Accessing
Accessing
Client
Client attitudes
attitudes

Predictive
Predictive model
model for
for
costumer
costumer using
using AI
AI
Financial
Financial Advisory
Advisory
On-line
On-line wealth

Development
wealth
management
management

Specified
Specified client
client needs
needs

Agile
Agile respond
respond to
to
Product
Product Development
Development market demand

Innovative
Innovative product
product

Real
Real time
time transaction
transaction
notifications
Transaction
Processing
Processing
Digitally process

Sumber: Solidiance
Research and Analysis Support
Support Function
Function Big
Big Data
Data Analytics
Analytics
 REGULATORY
ENVIRONMENT

- Bank Indonesia
• November 2016 – Bank Indonesia (BI) officially launched a Fintech office.
• December 2017 – Bank Indonesia (BI) launched the National Payment
Gateway (NPG):
• December 2017 – Bank Indonesia (BI) introduces Fintech regulation (Reg
19/12 2017)
• Criteria to make use of Fintech Regulatory Sandbox

- OJK
• 2016 – OJK Regulation on Financial Technology-based Lending Services
No.77/POJK.01/2016
• April 2018 – 40 P2P Lending Services registered with OJK
SELESAI