BCA Syariah And VIDA Collaboration Provide Ease And Safety Of Customer Transactions

Photo: Didi Kurniawan/VOI

JAKARTA - PT Bank BCA Syariah (BCA Syariah) together with PT Indonesia Digital Identity (VIDA) explained the development of sharia banking digital transactions to journalists at the Media Gathering: Sharia Bank Realizes a Reliable and Trusted Digital Ecosystem, Tuesday 12 September in Jakarta.

The presentation was carried out by the Director of Information Technology of BCA Syariah Lukman Hadiwijaya and Managing Director VIDA Adrian Anwar.

Digital transactions in the banking industry, including Islamic banks in Indonesia, are growing over time. The presence of this technology is very helpful to reach new customers and increase penetration of Islamic financial services in Indonesia.

Bank Indonesia recorded the value of digital banking transactions in Indonesia until July 2023 worth IDR 5,035.37 trillion. That number grew 15.5 percent compared to the same period in 2022. In fact, Indonesia is one of the countries in the Southeast Asia region with the potential for digital transactions to continue to grow.

As part of players in the sharia banking industry that are adaptive to technological developments, BCA Syariah seeks to provide practical solutions for customers in helping facilitate financial transactions according to customer needs and lifestyles.

"The number of transactions at BCA Syariah during the first semester of 2023 reached 6 million transactions, of which 63 percent of customer transactions were carried out through mobile banking. This shows that the current ease of electronic banking service transactions is an absolute necessity for customers," said Lukman.

Therefore, BCA Syariah continues to modernize digital services by developing various features that are more accessible to customers.

"BCA Syariah realizes that one of the concerns in digital transformation is the security factor in transactions. We continue to ensure that technology infrastructure in BCA Syariah meets standards that can ensure the safety and comfort of customers in using existing features on the digital platform BCA Syariah," Lukman added.

One of the BCA Syariah features developed is the opening of an online account through BCA Syariah Mobile. Through this platform, the needs of customers who want to open an account can be done from anywhere, without having to come to branch offices.

Customers who are interested in opening an account at BCA Syariah simply do it through the BCA Syariah Mobile application and fill in data electronically. All recorded customer information is guaranteed its confidentiality and security by BCA Syariah.

"With sustainable development and innovation, we hope to make it easier for the public to reach BCA Syariah products through electronic banking channels. This is also BCA Syariah's commitment to support the growth of Islamic financial inclusion in the country," said Lukman.

VIDA Managing Director, Adrian Anwar, said that the development of digital technology in the financial sector is currently growing and makes it easier for financial industry players to reach new customers easily, quickly, and accurately.

"VIDA is here as a digital identity service provider based on electronic certificates by providing a comfortable digital identity service method for business and individual customers," he explained.

He added that VIDA ensures that customer data in the financial industry is well protected so that customers are more confident in carrying out financial service activities through digital platforms.

As the organizer of the Electronic Certificate (PSRE) which is visited by the Ministry of Communication and Information, VIDA provides a secure and reliable digital electronic certificate and signature to individuals and institutions to be able to interact in Indonesia's digital ecosystem in a safe and reliable manner.

"VIDA has carried out more than 1.8 million biometric verification and liveness detection processes, with a process of up to 10 transactions per second. Our products have been used by dozens of digital technology companies from various industries such as financial services, e-commerce, transportation, telecommunications and health sectors," concluded Adrian.