{"id":3492,"date":"2023-12-04T15:00:00","date_gmt":"2023-12-04T15:00:00","guid":{"rendered":"https:\/\/fintelite.ai\/?p=3492"},"modified":"2023-12-06T06:36:20","modified_gmt":"2023-12-06T06:36:20","slug":"6-differences-between-digital-banking-and-conventional-banking","status":"publish","type":"post","link":"https:\/\/fintelite.ai\/id\/6-differences-between-digital-banking-and-conventional-banking\/","title":{"rendered":"Perbedaan Digital Banking dengan Bank Konvensional"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Era digital telah membuat dunia perbankan mengalami transformasi besar-besaran. Salah satu contohnya adalah munculnya bank digital yang telah merevolusi cara orang mengelola keuangan mereka.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hampir sebagian besar orang di perkotaan pasti sudah tidak asing dengan bank digital, namun bagi sebagian orang di pedesaan mereka mungkin masih menggunakan bank konvensional.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lantas apa sih perbedaan besar dan mendasar dari digital banking dengan bank konvensional?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-digital-banks-and-conventional-banks\"><strong>Pengertian bank digital dan bank konvensional<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kenapa penyebutan bank bisa dibedakan menjadi dua, bank digital dan konvensional? Untuk menjawab pertanyaan tersebut, kita akan perlu mengetahui pengertian dari keduanya.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-digital-banking\"><strong>Bank digital<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bank digital adalah lembaga keuangan yang menyediakan layanan perbankan secara online tanpa adanya kantor fisik. Transaksi perbankan dapat dilakukan melalui aplikasi mobile, internet banking, atau platform digital lainnya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank digital cenderung lebih fokus pada inovasi teknologi untuk memberikan layanan yang cepat dan efisien kepada nasabah.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conventional-banks\"><strong>Bank konvensional<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sedangkan untuk bank konvensional adalah lembaga keuangan yang memiliki kantor fisik sebagai pusat layanan kepada nasabah. Transaksi perbankan dilakukan secara langsung di kantor cabang atau melalui ATM.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-differences-between-digital-banking-and-conventional-banking\"><strong>Perbedaan Digital Banking dengan Bank Konvensional<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Secara umum perbedaan keduanya terletak di operasional bisnisnya, bank digital berbasis teknologi digital, sementara konvensional berbasis sistem perbankan tradisional yang masih membutuhkan transaksi fisik. Berikut ini perbedaan lainnya yang perlu diketahui:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-24-7-service-vs-limited-operating-hours\"><strong>1. Layanan 24\/7 vs jam operasional terbatas<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bank digital menawarkan keuntungan utama dalam hal ketersediaan layanan. Mereka memberikan akses 24\/7 melalui platform digital, seperti aplikasi perbankan dan situs web. Di sisi lain, bank konvensional memiliki jam operasional yang terbatas, hal ini seringkali membatasi akses nasabah terutama di luar jam kantor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-physical-vs-physical-infrastructure-digital\"><strong>2. Infrastruktur fisik vs. digital<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bank konvensional umumnya memiliki infrastruktur fisik berupa kantor cabang, mesin ATM, dan pusat layanan pelanggan. Sementara itu, bank digital berfokus pada infrastruktur digital dengan menawarkan layanan sepenuhnya online. Nasabah dapat melakukan transaksi, transfer dana, dan mengelola akun mereka tanpa perlu mengunjungi kantor fisik.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-account-opening-and-identity-verification-process\"><strong>3. Proses pembukaan rekening dan verifikasi identitas<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bank digital cenderung menawarkan proses pembukaan rekening yang lebih cepat dan mudah. Mereka memanfaatkan teknologi terkini yang lebih canggih, seperti verifikasi identitas biometrik atau melalui video call. Hal ini jelas mengurangi kebutuhan untuk kunjungan fisik.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di sisi lain, bank konvensional masih mempertahankan cara kerja tradisional, mereka mungkin memerlukan sejumlah dokumen fisik dan waktu yang lebih lama untuk memverifikasi identitas calon nasabah.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-service-fees-and-interest\"><strong>4. Biaya layanan dan bunga<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bank digital seringkali menawarkan biaya layanan yang lebih rendah atau bahkan tanpa biaya bulanan. Mereka juga cenderung menetapkan suku bunga yang lebih bersaing untuk produk tabungan dan pinjaman.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank konvensional, di sisi lain, mungkin memiliki biaya layanan yang lebih tinggi dan suku bunga yang lebih rendah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contohnya seperti bunga deposito, bank konvensional biasanya menerapkan bunga rata-rata 3%, namun bank digital berani memberikan lebih mulai dari 5-10%. Itu sebabnya banyak yang beralih dan memilih bank digital karena lebih menguntungkan dari segi bunga.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-technology-based-innovation-vs-traditional-models\"><strong>5. Inovasi berbasis teknologi vs model tradisional<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bank digital umumnya berkolaborasi dengan perusahaan teknologi finansial (fintech) untuk menyediakan layanan inovatif. Mereka lebih cepat mengadopsi teknologi seperti kecerdasan buatan, pembelajaran mesin, dan blockchain untuk meningkatkan pengalaman nasabah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank konvensional mungkin menghadapi tantangan untuk beradaptasi dengan perubahan ini karena struktur mereka yang lebih tua. Jadi mereka lebih cenderung mempertahankan sistem-sistem perbankan tradisional yang membutuhkan bukti fisik untuk setiap transaksi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-security-and-data-protection\"><strong>6. Keamanan dan perlindungan data<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Saat membahas perbedaan antara digital banking dengan bank konvensional, keamanan dan perlindungan data menjadi faktor penting. Bank digital seringkali memiliki lapisan keamanan yang tinggi dengan teknologi enkripsi yang canggih.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Namun, perlu diingat bahwa bank konvensional juga menginvestasikan sumber daya yang signifikan dalam keamanan data.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-example-of-a-digital-bank-in-indonesia\"><strong>Contoh bank digital di Indonesia<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dalam beberapa tahun terakhir, Indonesia telah mengalami transformasi besar di sektor perbankan. Banyak lembaga-lembaga keuangan atau bank digital bermunculan. Berikut ini beberapa bank digital populer di Indonesia yang menjadi pilihan banyak masyarakat:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-jenius-from-btpn\"><strong>1. Jenius dari BTPN<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dikenal dengan fitur-fitur inovatif dan pengalaman perbankan yang personal, Jenius telah populer di kalangan demografi anak muda. Menawarkan layanan perbankan digital dengan fokus pada kemudahan pengelolaan keuangan pribadi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-permata-mobile\"><strong>2. Permata Mobile X<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Permata Mobile X berfokus pada menawarkan solusi perbankan digital dengan beragam layanan seperti tabungan, pembayaran, dan investasi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-amar-digital-bank\"><strong>3. Amar Bank Digital<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Amar Bank Digital menawarkan tabungan digital dengan bunga deposito hingga 9%. Tidak hanya itu, Amar Bank juga memberikan perlindungan berlapis pada produk tabungannya, sehingga sangat aman dan terhindar dari pencurian saldo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-digibank-by-dbs\"><strong>4. Digibank by DBS<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Merupakan produk dari Bank DBS Indonesia yang memberikan layanan perbankan tanpa kantor cabang fisik. Digibank memiliki beragam fitur, seperti tabungan, transfer ke antar bank dengan keunggulan gratis transfer, dan juga layanan pay later hingga 60 juta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Teknologi keuangan terus berkembang<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Itulah informasi singkat mengenai perbedaan digital banking dengan bank konvensional beserta contohnya. Jika dilihat dari kasus ini, teknologi keuangan terus mengalami perkembangan, tidak hanya dalam urusan simpan-menyimpan saja, urusan pencatatan akuntansi saja juga sudah berkembang.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contohnya, dulu akuntan melakukan pencatatan invoice, faktur jual beli, struk secara manual, namun sekarang mereka sudah bisa mengandalkan teknologi OCR. OCR+ Fintelite salah satunya yang memungkinkan pekerjaan pencatatan manual tersebut menjadi serba otomatis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OCR+ Fintelie bisa mengubah data fisik seperti invoice, faktur jual beli, hingga struk menjadi data digital yang bisa disimpan otomatis sesuai kategori jurnal. Tidak hanya itu, data tersebut juga bisa dianalisis secara otomatis guna kepentingan pengambilan keputusan perusahaan.<\/p>","protected":false},"excerpt":{"rendered":"<p>The digital era has made the banking world experience a massive transformation. One example is the emergence of digital banks which have revolutionized the way people manage their finances. Most people in urban areas are already familiar with digital banks, but for some people in rural areas they may still use conventional banks. So what [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":3496,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_angie_page":false,"inline_featured_image":false,"page_builder":"","footnotes":""},"categories":[94],"tags":[35,127,95,36,46],"class_list":["post-3492","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-banking","tag-artificial-intelligence","tag-conventional-banking","tag-digital-banking","tag-finance","tag-ocr-tools"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>6 Differences between Digital Banking and Conventional Banking - Fintelite<\/title>\n<meta name=\"description\" content=\"The difference between digital banking and conventional banks can be seen in its operational services. 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