Welcome, new era of bank services without office

JAKARTA, [IFN] ---  Welcome, service bank without an office! Bank services without office? Yes, you're not misread. 

Policies in the banking sector following the success that has been etched Bank Indonesia, which has initiated a digital financial services.

This time, the bank service without this office, is a product of the Financial Services Authority (FSA or OJK). This service product in order to financial literacy or Practice Smart.

With this service, customers in banking transactions, does not have to come to the office of the bank. With a wide range of facts and huge market niche, clearly this service to attract banks. According to the FSA, until now there are 17 banks that apply for permits to the FSA, so that they can open up the services that are often referred to as banking brancless this.

FSA added, now there are four banks snapper which a license, namely Bank Mandiri, Bank Rakyat Indonesia (BRI), Bank Central Asia (BCA), and the National Savings Bank (the Bank). They even have started this office non bank services.

Reportedly, the FSA also immediately issued a permit for three more banks, namely Bank Negara Indonesia (BNI), the State Savings Bank (BTN) and Bank Danamon. "The permits came out this year," said Nelson Tampubolon, member of the Board of Commissioners FSA.

The program is believed to be flooded with enthusiasts, both from the aspect of banking customers and itself. Why not, indeed lay a big market. In addition, the bank's non office, is also minimal in the cost aspect, while a broad reach. All that, of course makes attracted bankers. With this model, the bank holding enough agents, as an extension of their service transaction in the bank.

Moreover, the FSA also not restrict banks join the program this Clever Conduct. Although many banks participate in this program, Nelson believes there will be no competition in getting customers. Faktanta, it is still a lot of people who have not touched the bank's services.

According to the Corporate Secretary of the Bank, Rohan Hafas, people who have not accessed the bank's services to nearly 100 million people. To that end, the Bank will run faster by recruiting agents brancless banking. The target, this year, the bank could recruit 9,000 agents, with a target of 500,000 new customers.

Corporate Secretary of BRI, Budi Satria, said the program was profitable bank. Because the bank to penetrate the area with mini costs. BRI with BriLinknya, will encompass 50,000 agents this year. Currently, there are 24 713 BRILink agent, with Rp 7.8 trillion transactions. BRI targets 50,000 agents, which are expected to be transparent transactions to Rp 22.4 trillion.

The bankers believe this program will be a success. You see, this is different from Tabunganku, which only serve savings. Branchless banking services widely, from savings of up to micro credit, insurance purchase, until payment.