Strengthening Service Support To The Provincial Government, Bank DKI Takes Advantage Of Banking Digitization

Photo: Doc. Bank DKI

JAKARTA - Based on the 2022 EV-DCI research, Jakarta is considered to have the highest competitiveness in terms of digital finance adoption. After Jakarta, the provinces with the highest digital competitiveness are West Java with a score of 58.5, Yogyakarta 49.2, Banten 47, and East Java 45.6.

Based on this, Bank DKI as the Regional Development Bank (BPD) belonging to the DKI Jakarta Provincial Government of course continues to develop digital services to assist various programs from the DKI Provincial Government.

"As a BPD belonging to the DKI Provincial Government, we have an obligation to support transactions in Jakarta, both within the government, companies and especially Jakarta residents, in line with the vision of Jakarta, which has a developed city and happy citizens," said Amirul Wicaksono, Director of Technology and Operations of Bank DKI. in a Talkshow entitled The Role of Banking Digitization in Corporate Security and Convenience, Tuesday 21 June.

As a form of support for various DKI Jakarta Provincial Government programs, such as social assistance programs (bansos) through the Jakarta Elderly Card (KLJ), Jakarta Persons with Disabilities Card (KPDJ) and Jakarta Children Card (KAJ).

“We use it with cards. In the future it will change from card to smartphone. This will be a challenge for Bank DKI to shift to smartphones," he said.

In the transportation sector, in the near future, Bank DKI will support the DKI Jakarta Provincial Government program which will implement integrated tariffs. In this program, residents only need to pay Rp. 10,000 for 3 hours.

"We also have agents in a number of traditional markets owned by Perumda Pasar Jaya to educate the public from initially making cash transactions. This is a digital innovation that we will continue to develop, because the current digitalization of banking is a necessity in order to live a safer, more comfortable and prosperous life,” said Amirul.

As is known, through the JakOne Mobile application, Bank DKI presents digital banking solutions for user customers to create a more personal, mobile and reliable transaction experience starting from paying various bills and online shopping, Scan by QRIS transactions, top up electronic money, giving alms/donating. for others to secure emergency funds through the opening of deposits.

However, in developing these digital services, Bank DKI always prioritizes the principles of security or protection for customers. This is important so that people are not afraid to access digital services.

“Bank DKI wants people to feel safe in using digital transactions. In principle, digitization is not something to be afraid of, because every digital channel is always provided with instruments to keep transactions safe. For example with the application of PIN, OTP and Password. And most importantly, the various digital services that we have have all been approved by BI as a regulator. In principle, we want comfort in transactions and security to be in line and go hand in hand. Usually the opposite," he explained.

Bank DKI continues to support DKI Jakarta Provincial Government and BUMD programs, including the implementation of the e-Formula electric car racing event (Jakarta e-Prix 2022) on June 4, 2022. In the event, Bank DKI also introduced JakOne Pay as an application for the millennial young generation and Gen Z which can be used to carry out various daily transactions.

This application supports transactions to scan to pay QRIS, as well as other server-based electronic money activities. For your information, Bank DKI also continues to develop digital banking products and services owned by Bank DKI through JakOne Community Apps to accommodate changes in the behavior of customers and the public. increasingly moving towards digital services.

JakOne Community Apps is a digital banking service to encourage the implementation of financial inclusion and through the development of digital products and services. The JakOne Community Apps itself consists of JakOne Mobile, JakOne Abank, JakOne Erte, JakOne Artri, and Ancol Apps. Recently, Bank DKI also offers cardless Mobile Cash Withdrawal and Cash Recycle Machine (CRM) services at City Hall Branch Offices.

In terms of digitizing MSMEs, Bank DKI also invites MSME players to develop their businesses by becoming agents through the JakOne Abank application. JakOne Abank is an officeless banking service where Bank DKI is present through an agent using a Mobile Point of Sale (MPOS) device for paying taxes and levies, paying bills.

By becoming an agent of JakOne Abank, MSME players can serve various banking transactions and earn commissions from each transaction.

"We hope that with the various product and service variants provided, it can meet the expectations of customers and the public, especially providing benefits for their financial transactions," concluded Amirul.