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    Challenges in Implementing Banking Industry   Governance in the Era of Industrial Revolution 4.0

 

Best Wishes To Us All.

Challenges in Implementing Banking Industry Governance in the Era of Industrial Revolution 4.0, there are at least two sentences that need to be underlined here, namely: Governance and the Age of Industrial Revolution 4.0. These two sentences are important points in the theme of the Industrial Revolution 4.0.

The technological phenomenon that is included in the financial sector, better known as digital economics is a logical consequence of 4.0 technological revolution. When referring to Moore's law, the development of technology today has not reached its peak. The development of technology that moves exponentially, which is always characterized by 50 percent declining prices every 2 years.

According to Peter Diamandis in his book Abundance: The Future Is Better Than You Think (2012) industries or companies that come into contact with information technology will go through 6 (six) transformation phases. The following stages of transformation are predicted to occur in the financial banking sector.

First, digitalization, which is the transformation phase from analog to digital systems. In the financial-banking sector, the emergence of digital banking is a sign that this we are entering this phase. Although there are banks that only use it partially, depending on the company's ability to invest in technology. Shortly thereafter, the phenomenon of financial technology emerged, where collaboration between financial companies and technology companies took place, as well as marking the arrival of the deception phase which undermined the notion that the emergence of digital banking was the culmination of the use of technology in the financial sector.

In this second phase, the bank is no longer the only company that uses digital banking. Emerging technology-based companies are also opening financial transaction services.

The third phase is disruption. This phase usually brings a lot of excitement. In the banking industry, the symptoms of this phase have already been felt. The charateristcs of technology that is always moving fast, plus a culture of companies that lack bureaucracy. The growth of technology-based companies that enter the financial sector is predicted to be far ahead of companies that are purely financial. When it reaches this condition, there is a disruption of the financial sector.

The next phase is dematerialization. In this phase, all financial products are in digital form so there is no need for material containers. Financial companies no longer need to print ATM cards and provide the machines. The same with credit cards, and other products. Because there are no physical financial products. Products are stored in the cloud and ready to be downloaded anytime, anywhere. If you want to track the movement of investment (savings), used for what and where, customers just click, all the information needed is available in real time.

Demonetization is the next phase. In this phase, because all financial products are in digital form, the transaction costs will be cheaper and almost free. This condition has occurred in the business of printing and film. Film connoisseurs and book readers can just browse the desired films and books on a portal that provides millions of movies and books that are ready to be downloaded at any time without paying.

Then the last phase is democratization. Companies or individuals can become customers, bank managers and regulators for their funds. Everything is integrated in one application.


 

Program Lembaga Pengembangan Perbankan Indonesia


COVERAGE OF ACTIVITIES

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24 May

Iftar LPPI Ramadhan 1440 H

In order to bring people together in the holy month of Ramadhan 1440 H,The LPPI held an iftar with orphans and the less fortunate in the neighborhood around the LPPI Earth Campus on May 23, 2019.The event was held at the Rachmat Saleh Auditorium, with the distribution of compensation and gifts ... (Selengkapnya)
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21 May

Workshop on Foreign Exchange Bank Preparation with Sulselbar Bank

Sulselbar Bank in collaboration with the LPPI held a workshop on foreign exchange bank preparation. This activity was opened by Ms. Rosmala Arifin Director of Marketing & Sharia Sulselbar Bank. The workshop held at the Claro Hotel Makassar starts on May 20-25, 2019. This workshop consists of a ... (Selengkapnya)
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15 May

Prospective Employee Training Indonesia Deposit Insurance Corporation (LPS)

The Indonesia Deposit Insurance Corporation (LPS) is collaborating with the Indonesian Banking Development Institute (LPPI) for educational programs for prospective employees. Participants in this program are 107 prospective LPS employees from various leading universities in Indonesia. The main ... (Selengkapnya)

 

Home for Bankers : Join Our Team

     

The Indonesia Banking Development Institute (LPPI), since 1958 has continued to be committed in being a pioneer for developing banking and financial services in Indonesia through education, research and consultancy services. In providing its education, the LPPI presents reliable facilitators, with a variety of backgrounds, among others, from professional bankers, regulators (central banks), authorities, non-bank financial services, and other professional circles. In its education system, LPPI is customizable, we always place facilitators according to clients needs. With changes and challenges that are always coming in the financial industry, we need experts and trained facilitators to meet the increasingly specific needs of our clients. We invite you to be part of our Faculty  in charge of improving the knowledge, skills and attitude of bankers and financial services in Indonesia. Send your CV now!

 

 

 

TRAINING PROGRAM

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15 May

Branch Manager Course Syariah Mandiri Bank

Syariah Mandiri Bank in collaboration with the LPPI in the implementation of the Batch 9,10 and 11 Branch Manager Course Basic Level and the Branch Manager Course Intermediate Level Batch 4 program, which takes place during Ramadan 1440 Hijrah (May 2019). Participants in this program will be ... (Selengkapnya)
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15 May

Management Development Program PT. Pegadaian

PT. Pegadaian (Persero) in collaboration with the LPPI conducted the Management Development Program (MDP) program, which takes place on May 2019. Participants in this program will be provided with special skills as estimators, credit analysts, or other profession with specific expertise, where the ... (Selengkapnya)
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15 May

Online Bank Simulation Training Mandiri Bank

Mandiri Bank collaborates with the LPPI in the Banking Management Online Simulation Training Program since April 24, 2019. The program begins with the Train the Trainers program, which then continues with the assistance of the LPPI Team in each program implementation. This program aims to provide a ... (Selengkapnya)

Otoritas

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