Jakarta, CNN Indonesia –
PT Bank Central Asia Tbk or BCA immediately launching a digital bank in the first half of this year or mid-2021.
BCA President Director Jahja Setiaatmadja said that currently his party is preparing a digital bank by converting PT Bank Royal Indonesia into BCA Digital Bank.
He said the BCA Digital Bank will be prepared to operate and attract its own market through digital banks. The main target, millennials who understand digital (digital savvy).
“We hope that around mid-year this will be able to operate (operate) at the latest because of one market itself, our own segment is our target,” he explained at the VIP Digital Forum CNBC Indonesia event, Thursday (8/4).
Jahja revealed that in preparing a digital bank, his party allocated equity of less than IDR 2 trillion.
He said that for the initial phase, the BCA digital bank will focus on raising funds (funding) and payment (payment). As for loans, he admitted that he still had to ‘learn’ first.
He assessed that the loan segment for digital banks is not easy to determine because it is in the middle between conventional banks and online loans (pinjol).
Jahja said digital banks cannot provide fast loans with exorbitant interest rates such as borrowing because they have different supervision by the OJK, but it is also not easy to target large loans such as corporations through digital banks.
“This still has to be studied really because banks are different from P2P which are easy to lend, try asking sky high interest rates and it is commonplace and public secret. But digital, wait a minute because there is Mr. Heru OJK,” he continued.
Not only BCA, PT KB Bukopin Tbk is also targeting to become a digital bank by 2023. KB Bukopin President Director Rivan Achmad Purwantono said that currently his party is still preparing for the transformation.
Being a digital bank, according to Rivan, cannot be avoided if you don’t want to be left behind. He assessed that banks must be agile in adjusting services to the needs of customers.
He said the technology would later use technology from South Korea, the KB Kookmin bank which had previously acquired Bukopin.
“This is what we have prepared and can carry out this transformation and core changes which will be completed in 2023,” he said.
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