Branchless Banking Sebagai Disruptive Innovation Bank Mini Universitas Kristen Indonesia

Sintha, Lis (2020) Branchless Banking Sebagai Disruptive Innovation Bank Mini Universitas Kristen Indonesia. In: Bunga Rampai Karya Ilmiah Dosen “Digitalisasi dan Internasionalisasi Menuju APT Unggul dan UKI Hebat” Dies Natalis ke 67 Universitas Kristen Indonesia. UKI Press, pp. 203-214.

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Abstract

The purpose of writing this scientific paper is to improve the performance of small bank laboratories as a place to develop competences in intellectual, motor skills and skillful use of banking media tools to increase the competence of graduate students in finance and banking who are part of the Indonesian Christian University in achieving superior APT. The research method in this research is in the form of literature review or literature study, which contains theoretical theories that are relevant to research problems. Small bank laboratories as Branchless Banking can offer basic banking services to customers at minimal costs, more economical than the cost of serving customers through conventional banks. Small bank laboratories can become branchless banking for uki residents. UKI residents or the surrounding community can register themselves as prospective customers at a bank without the need to visit the central bank, but only go to the small bank laboratory which is the representative of that bank. Registered customers can make financial transactions like other customers, such as sending money between users, buying credit, and so on. Control is carried out by the bank, represented by the Funding and Relationship Officer, namely control of the transaction process that has been carried out by the mini bank laboratory as an agent for customers. Keywords: Branchless Banking, Disruptive Innovation

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