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TTAAHAHAPAPANN BBCACA ::

Innovattion

Innova

ion Cha

Champion

mpion ththrou

roughgh KKlliikkBCA

BCA

Ade Y. Novianto (0850072) Herasari Yunita (0850028) Ratri Paramita (0850052)

BBCCA’ Ass HHisistory tory

BCA was originally established on August 10, 1955 as a textile company in Semarang, Central Java, Indonesia.

Its name was NV Perseroan Dagang dan Industrie Semarang Knitting.

This company officially changed its name to Bank Central Asia NV on February 21, 1957 and relocated to a trading center in West Jakarta, Indonesia.

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In 1979 BCA was the first national bank in Indonesia to introduce credit card.

BCA also became the Automated Teller Machine (ATM) pioneer in Indonesia and thus changed consumer behavior in non-cash transactions.

In 1984 and 1985, BCA opened subsidiary offices in Hongkong and Singapore.

Also, in May 1985 BCA opened another subsidiary on Madison Avenue in New York City.

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BBCCAA Produ

Productctss and

and Servi

Services

ces

BCA provides banking products and services through deposit accounts (e.g:

“TAHAPAN BCA”), credit cards, electronic facilities (e.g: KlikBCA), loans, bank guarantees, export-import facilities and foreign exchange facilities.

BCA increased its electronic banking to serve customer groups especially for their transaction needs through various channel distributions such as branches, automated teller machines, phone banking, mobile banking, and

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ki

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Tec hnolo

Bank Central Asia (BCA) had a soft launch for KlikBCA (Internet Banking BCA) in August 17, 2000 and officially launched it in March 2001.

Individual customers increased from 29,000 customers during the first launch to 217,653 customers at the end of 2001.

Stephen Liestyo, BCA Senior General Manager, asked the steering committee team to formulate the strategy that could prepare KlikBCA to go world wide in order to strengthen BCA position as the best transaction bank.

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The

The Bir

Birthth ofof KKllikBikBCACA aass aa Virtu

Virtuaall ATM

ATM

One of the outstanding services for transactions

in consumer banking was KlikBCA.

The “Klik” name was chosen from the English word

“click” meaning that customers just click (“klik”)

to the internet when doing BCA internet

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KlikBCA’s launching was under the edgy preparation process :

  • 3. A six month preparation period for setting up KlikBCA

  • 4. The deadline is compulsory and cannot be extended as the launching of KlikBCA will be one of the supporting programs for BCA as initial public offering in 2000.

The internet banking project was categorized as a “crash program”.

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The discussion took longer when the team had to

decided User ID and PIN Internet Banking.

The customers should register their accounts in

BCA’s ATMs firstly in order to get User ID for

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During

the

launching

preparation,

the

environment

supports and infrastructure were deficient.

The main constraints were limited internet infrastructure

due to unavailable fiber cable for all areas and the

limited number of internet users.

At this period, most people in Indonesia were afraid to use

the internet for transactions.

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ATMs were popular in banking transactions for the majority of Indonesians.

At this time, 8 million customers used ATMs for their banking transactions.

“We finally decided to make internet banking look like the ATM machines, so the first phase of internet banking was called Virtual ATM,” stated Stephen Liestyo.

The presence of internet banking was seen as the repositioning steps and at the same time the differentiation for ATM BCA products.

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BCA enhanced KlikBCA awareness by declaring “You can find the same ATM features on the internet”.

BCA created a convincing tag line for KlikBCA “Imagine having your Personal ATM”.

The other program after launching KlikBCA officially was to educate customers.

Several activities were done through media by Question and Answer, having presentations to many universities and also capitalizing on

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The launching strategy and internet positioning strategy generated successful outcomes.

In the year 2000 BCA had 29,223 users with 49,097 click frequency and transaction values IDR 106 billion (1 US$ = around IDR 9.000 to IDR 10.500).

In

2001,

internet

users

increased

to

217,653

with

6.7

million

transaction frequency and transaction values IDR 1.3 trillion.

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FACILITIES

Pembelian

§ Pulsa isi ulang § Saham § Tiket

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Pembayaran

§ Kartu kredit

§ Internet

§ Telepon

§ Handphone

§ Pager

§ pendidikan

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History transaction

Mencatat setiap transaksi yang dilakukan setiap nasabah

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Funds Transfer

Transfer antar BCA :

§ Real time

§ Berkala

§ Tanggal tertentu

Transfer ke Domestik Bank lain :

§

Real time

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Administration

Ganti pin § Ubah bahasa § Ganti alamat email § Hapus daftar pembayaran § Hapus daftar transfer § Registrasi key BCA § Tambah Koneksi Key BCA § Aktivasi Key BCA § Registrasi Information BCA Card

§

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Account Information

§ Informasi saldo § Informasi rekening § Tagihan BCA card

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THEORY

What is technology?

What is technology? The application of knowledge, including the processes and procedures to solve problems, perform

The application of knowledge, including the processes and

procedures to solve problems, perform tasks, and create new

methods to obtain desired outcomes.

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Com onents ofof ma

Compponents

managi

naginngg inform

information

ation

Com onents of of ma Com p p onents ma nagi nagi n n g g

§ Data

§ Knowledge

§ Information

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IINTNTEERNET RNET

I I NT NT E E RNET Global information system that links many computer networks together.

Global information system that links many computer

networks together.

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INTERNE INTERNETT UUSSESES

§ Communication

§ Information

§ Entertaiment

§ E-business

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E-BUSINNESS

E-BUSI

ESS

Carrying out the goals of business

through utilization of the internet.

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EE-BU

-BUSISINNEESSSS MMODODELS

ELS

§ Business-to-business (B2B)

§ Business-to-consumer (B2C)

§ Consumer-to-consumer (C2C)

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ØS :

SWOT AANANALLYYSI

SWOT

SISS

§ memiliki berbagai SD yang unggul dibandingkan dengan bank lainnya § Memiliki jumlah nasabah yang lebih banyak dibanding bank lainnya. ØW :

§ Cost yang dibutuhkan lebih tinggi § Butuh ahli di bidang IT

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ØO :

§ Dengan terus tumbuhnya teknologi di masa mendatang, BCA memiliki banyak kesempatan untuk mengembangkan produk yang dimilikinya ØT :

§ Muncul kompetitor baru, sehingga BCA harus lebih inovatif dalam pengembangan produknya

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