Contribution: Delta Denida


Electronic Banking (English: E-banking) E-banking, also known as internet banking, is an activity that conducts transactions, payments, and other transactions through the internet with a website owned by a bank equipped with a security system. From time to time, more and more banks are providing internet banking services or services that are regulated through Bank Indonesia Regulation No. 9/15 / PBI / 2007 of 2007 concerning 7722 Application of Risk Management in the Use of Information Technology by Commercial Banks. The implementation of internet banking is an application or application of information technology that continues to grow and is used to answer the desires of banking customers who want fast, safe, convenient and cheap services available at all times (24 hours/day, 7 days/week) and can be accessed anywhere it's from cellphones, computers, laptops/notebooks, PDAs, and so on.

Information technology applications in internet banking will increase efficiency, effectiveness, and productivity while increasing revenue through a sales system that is far more effective than conventional banks. Without the application of information technology in internet banking, internet banking will not work and be utilized by the banking industry. In general, in the provision of internet banking services, banks provide information about their products and services via a portal on the internet, giving customers access to transactions and updating their personal data. The business requirements of internet banking include:

  • easy to use application;
  • services can be reached from anywhere;
  • cheap;
  • can be trusted; and
  • reliable (reliable).

In Indonesia, internet banking has been introduced to banking consumers since a few years ago. Some of the big banks, whether state-owned or private, that provide such services include BCA, Bank Mandiri, BNI, BII, Lippo Bank, Permata Bank and so on. Internet banking has provided benefits to banks, including:

  • Business expansion
  • Customer loyalty
  • Revenue and cost improvement
  • Competitive advantage
  • New business model

Business expansion.

In the past, a bank must have a branch office to operate in a certain place. Then this is made easier by simply putting the ATM machine so that he can be present at the place. Then there is phone banking which begins to eliminate physical limits where customers can use the telephone to carry out banking activities. Now there is internet banking which makes it even easier because it eliminates time and space.

Customer loyalty.

Especially customers who are mobile (mobile), will feel more comfortable to do banking activities without having to open accounts at different banks in various places. He can use only one bank.

Revenue and cost improvement.

The cost of providing banking services through Internet Banking can be cheaper than opening a branch office or making an ATM machine.

Competitive advantage.

Banks that have internet banking will have an advantage compared to banks that do not have internet banking. In the near future, people do not want to open an account at a bank that does not have Internet Banking facilities.

New business model.

Internet Banking enables a new business model. New banking services can be launched via the web quickly.

Various types of technology include:

  • Automated Teller Machine
  • Banking Application System (Banking Application System)
  • Real-Time Gross Settlement System
  • Online Banking (Internet Banking)
  • Electronic Clearing System
Bank Indonesia itself often uses the term Banking Information System Technology for all applied information and communication technologies in banking services, or more popularly known as electronic banking (electronic banking).


At present most electronic banking services are directly related to bank accounts. Types of electronic banking that are not account related are usually in the form of monetary values stored in the database or in a card (chip on a smart card). With the development of technology and the complexity of transactions, various types of electronic banking are increasingly difficult to distinguish because their functions and features tend to be integrated or experience convergence. For example, a plastic card might have a "magnetic strip" that allows transactions to be linked to a bank account, and also has monetary values stored on a chip. Sometimes both types of cards are called "debit cards" by merchants or vendors.

Type of service

Online Banking Online banking is basically a combination of two basic terms, namely online and banking. Today the internet has connected more than 100,000 computer networks in the world with more than 100 million users. Can do banking transactions (financial and non-financial) through computers connected to the bank's internet network. Transaction type:
  • Transfer of funds,
  • Balance information
  • Exchange rate information
  • Bill payment (eg credit cards, telephone accounts, electricity accounts, insurance)
  • Purchases (e.g. cellphone credit, airplane tickets, shares)

Banking moves

Mobile banking (mobile banking) is a banking service that can be accessed directly through GSM cellular phones using SMS. Transaction type:
  1. Transfer of funds
  2. Balance information
  3. Account mutation
  4. Exchange rate information
  5. Payment (credit card, electricity account, telephone account, insurance)
  6. Purchases (top-up, shares).

Crime in Electronic Banking

Security holes will always be there, this can be observed from websites that report security holes every day. But businesses cannot stop because of potential security holes.

For merely an informative transaction (there is no reduction in balance), it is enough to use a passcode (password) to enter, but for transactions that move/reduce customer balances are asked to enter a pin generated by a device commonly called a token or pin. This tool will issue a row of numbers (usually 6 digits) that are only identical to the customer's account. So other tokens cannot be used on that account. What can be done is to increase the level of difficulty to enter by using safeguards, firewalls & IDS (in the case of Internet servers). Cybercrime which is a crime in cyberspace (cyber) is very possible for customer data to be tapped during electronic banking transactions.

E-banking Safe Tips

Do not notify your SMS Banking personal code/number to others. every time you make a transaction via SMS Banking, wait a while until you receive a response back to the transaction.

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