Peraturan Perbankan dan Fintech
Beberapa waktu yang lalu, Kominfo telah meresmikan Peraturan Pemerintah Nomor 71 Tahun 2019 tentang Penyelenggaraan Sistem dan Transaksi Elektronik (PSTE) pada 10 Oktober 2019 lalu, untuk mengganti PP PSTE Nomor
Integrated Digital Core Solutions for Microfinance
Solution Overview
Digital solutions for Microfinance Institutions (BPR, BPRS, KSP, KSPS and Fintech (Financial Technology) which are packaged in the form of mobile and cloud-based services, which support operational and collaborative activities safely, reliable, and equipped with Disaster Recovery features.This complete and integrated solution consists of:
- Integrated Digital Core Solutionsfor Microfinance.
- Automatic Solution with Cloud Based Loansto Microfinance Institutions by Using Artificial Intelligence (AI) and Integrated Scorecards.
- Integrated Financial Information System and Document Managementwith DOCUFLO.
- Internet-based Contact Centerfor Microfinance Institutions to meet regulations with the latest economical and simple technology.
Digitalization Factors that must be considered by Microfinance Institutions
Datacomm Cloud Business (DCB) offers integrated digital core solutions for cloud computing-based microfinance, specifically for BPR-BPRS and KSP-KSPS. This integrated digital core solution for microfinance is a combination of some of the best applications from DCB partners who are experts in IT solutions related to the financial industry.
The applications mentioned above are already integrated and can be used at the beginning of a subscription. The access to these services requires a login account and password to determine which applications can be accessed, according to the subscription package.
Extended core banking application, equipped with credit scoring (Lending Origination System) facilities. It also provides document management (secured) applications, call centers and options for: email applications (with domains), backups and disaster recovery.
With cloud-based, investment to get these applications is very minimal, because it is based on Opex (Operation Expense), which is a subscription payment based on the number of transactions per month for a minimum contract a year. In the initial stages of implementation, access equipment is only needed, such as computers / laptops or mobile phones or tablets to access these applications via the web / internet.
In addition, the BPR-BPRS and KSP-KSPS can determine which applications to subscribe to such as core applications (core banking and credit scoring), and can add other applications later on to the package.
Integrated Digital Core Solutions Products Description
Core Digital
IKKAT
IKKAT
Simpool, microfinance digital core solution. Simpool has the following supporting features:
- Digital and P2P loans
- Agency and Branchless
- Digital Savings
- Payment and PPOB
The Simpool application is accessed from Android smartphones, Android tablets and Windows PCs.
Credit Scoring
Turnkey Lender
Turnkey Lender
Business Automation Solutions for Your Credit. Turnkey Lender solutions include:
- Automation: a system that automates the entire lending process from origination to reporting.
- Credit Scoring: increase the accuracy of loan approval.
- Pay-per-active-loan system: offers a software system with prices tailored to the needs of BPR / KSP.
- Featured Features: has a variety of features that can facilitate the lending process.
Document Management
InfoConnect
InfoConnect
Docuflo eCabinet, an integrated eCabinet solution for managing your loan information. This solution speeds up the sales process, reduces compliance risk, reduces operating costs by automating routine processes of archiving and storage space.
The Docuflo eCabinet solution connects 3P (People, Paper, Process), so we get:
- Increased cost efficiency
- Collaborative ability
- Increased compliance
- Improved customer service
- Sustainable business
The Docuflo solution implements a high level of security with AES 256 encryption. The Docuflo Solution also records all access made to documents in a secure and auditable log.
Customer Experience
Invision
Invision
ICE atau Internet Customer Experience, is an application that utilizes the internet in interaction with verbal interpretation, images and text, to enhance customer experience. This is very suitable for enterprise companies in interacting with customers, as well as with internal organizations.
ICE applications are utilized by 3 (three) functions with supporting equipment, such as:
- Agents (using a computer with Windows 10)
- Team (using an Android smartphone)
- Customers (using an Android smartphone)
All of the above functions require an internet connection.
The challenge of Microfinance to develop
The IT system is the “HEART” of the Microfinance Institution (LKM). To be able to operate efficiently and effectively it requires reliable, scalable, and secure IT system support.
However, there are challenges faced by Microfinance Institution in developing IT systems to support their business, such as:
In digital age, Integrated Banking IT applications are widely used by large financial institutions to serve customers online. This is a demand from customers who expect convenience in their transactions.
BI and OJK regulations indirectly respond to demands from customers by investing in information technology.
Chairman of the Board of Commissioners of the Otoritas Jasa Keuangan (OJK), Muliaman D Hadad (10/7/2017) mentioned the problems faced by Conventional / Sharia Credit Banks (BPR-BPRS) and Savings and Loans / Sharia Cooperatives (KSP-KSPS) both from the external side and the internal side.
On the other hand, for middle-sized and smaller financial institutions, such as most BPR / BPRS and KSP / KSPS, the implementation of integrated IT turned out to be a challenge. The challenge is represented by the question, whether the large IT investment will enable more rapid business development in the future, or whether it is only a waste of expenditure, without producing an adequate return.
| External Side | Internal Side |
|---|---|
|
1. Facing Competitors in the Small Micro Segments (LKM, Credit Union, Fintech) |
1. Cost overruns |
|
2. Potential customers / members are reduced |
2. Impact on interest rates |
|
|
3. Products and services have not varied |
- One of the ways to stay competitive in the modern world is the integrated implementation of Information Technology. There are BPR-BPRS and KSP-KSPS who have already carried out this proposal, who have a turnover of hundreds of billions of rupiah and are willing to invest and implement IT which enables new services to support their business development.
- On the other hand, for middle-sized and smaller financial institutions, such as most BPR / BPRS and KSP / KSPS, the implementation of integrated IT turned out to be a challenge. The challenge is represented by the question, whether the large IT investment will enable more rapid business development in the future, or whether it is only a waste of expenditure, without producing an adequate return.
Total number of cooperatives | 152.282 units | 100% |
|---|---|---|
Number of consumer cooperatives | 97.931 units | 64,31% |
Number of producer cooperatives | 27.871 units | 18,30% |
Number of savings and loan cooperatives | 19.509 units | 12,81% |
Number of service cooperatives | 3.661 units | 2,40% |
Number of marketing cooperatives | 3.310 units | 2,17% |
Sumber | |
Status | Per 5 Juli 2017 |
Tabel 1. Number of cooperatives in Indonesia
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Pengaplikasian Peraturan OJK Terbaru
Otoritas Jasa Keuangan Republik Indonesia pada tahun 2016 lalu mengeluarkan Peraturan Otoritas Jasa Keuangan Nomor 75 /POJK.03/ 2016 Tentang Standar Penyelenggaraan Teknologi Informasi Bagi Bank Perkreditan Rakyat dan Bank Pembiayaan
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