Jakarta, CNBC Indonesia – The use of digitalization for the banking system continues to show a shift in customer transaction patterns. From those who previously made transactions at branch offices, then switched to transactions at ATMs, to this day transactions are made at ATMs. being abandoned by customers.
Previously, the Financial Services Authority (OJK) said that currently banks were reluctant to open new branch offices. In fact, the number of banking branches has also decreased by more than 3,000 branches in the last six years.
OJK Deputy Director and International Banking Tony said the rise of digital banking transactions encouraged banks to choose not to open new branch offices because they were considered inefficient.
“In the last few years, there have been very many transactions carried out at various banks through their mobile apps. As a result of the proliferation of transactions via their mobile phones, it has an impact that people rarely go to bank branch offices so that banks see the establishment of branch offices as being inefficient and they begin to cover a number of office and start switching to electronic services,” said Tony some time ago.
From the material presented by OJK, the number of banking branch offices as of March 2021 totaled 29,889. This number is down from the position in December 2020 which was 30,733 branch offices.
This decline is also in line with the decrease in the number of commercial banks from 109 banks at the end of last year to 107 banks at the end of the first quarter of 2021.
Meanwhile, at the end of 2015, there were 32,963 branch offices operating from 118 commercial banks operating in Indonesia.
This trend continues to shift. Currently, even customer transactions are starting to leave ATMs and switch to using applications provided by each bank.
Director of Treasury & International Banking at Bank Mandiri, Panji Irawan, said that currently customers no longer rely on ATMs to make transactions, at least that happens at Bank Mandiri.
“The trend shows the behavior of no longer using ATMs, customers are comfortable using online applications,” said Panji to CNBC Indonesia in Jakarta, Thursday (22/7/2021).
Bank Mandiri noted that in the first quarter of 2021, transactions at ATMs amounted to Rp 200 trillion, smaller than transactions in applications which reached Rp 341 trillion.
According to him, this is one of the trends that has accelerated due to the pandemic. People who stay at home have a changing pattern. For this reason, Bank Mandiri does not only invest in applications.
However, in an effort to continue to improve customer convenience, Bank Mandiri has withdrawn as many as 5,000 old ATMs. So that currently, the ATMs that are available and owned by Bank Mandiri have qualified performance due to their young age.
(hps / hps)
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