{"id":13314,"date":"2024-07-07T07:49:39","date_gmt":"2024-07-07T00:49:39","guid":{"rendered":"https:\/\/businessupdate.id\/?p=13314"},"modified":"2024-07-07T07:54:49","modified_gmt":"2024-07-07T00:54:49","slug":"bni-rogoh-rp19-triliun-untuk-tingkatkan-kembangkan-digital-banking","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=13314","title":{"rendered":"BNI Rogoh Rp1,9 Triliun untuk Kembangkan Digital Banking"},"content":{"rendered":"\n

BusinessUpdate –<\/strong> PT Bank Negara Indonesia (Persero) Tbk. (BBNI) menyiapkan biaya modal (capital expenditure<\/em>\/capex) untuk teknologi informasi (IT) sebesar Rp1,9 triliun pada 2024.<\/p>\n\n\n\n

Direktur Technology and Operations BNI Toto Prasetio mengatakan alokasi belanja BNI untuk IT meningkat dibanding tahun lalu. Hal ini lantaran BNI sedang melakukan transformasi besar untuk  pengembangan digital banking dan meningkatkan keamanan siber. <\/p>\n\n\n\n

Ia menuturkan usai meluncurkan transaksi banking platform<\/em> yakni super app wondr bagi segmen ritel, ke depan pihaknya akan membuat portal layanan digital wholesale<\/em>. <\/p>\n\n\n\n

\u201cNah sekarang ini kita lagi siapkan, yang kita akan launching<\/em> segera. Jadi kita buat portal yang buat Wholesale Digital Banking Platform,\u201d ujarnya pada awak media usai Peluncuran wondr by BNI, Jumat (5\/6\/2024). <\/p>\n\n\n\n

Nantinya, platform<\/em> ini akan menjadi satu kesatuan dari berbagai channel<\/em> yang ada di wholesale<\/em>, mulai dari cash management, trade finance, supply chain<\/em> hingga forex<\/em>. <\/p>\n\n\n\n

Selain itu, pihaknya juga sedang memperbarui bagian dari loan management system <\/em>yang berkaitan dengan proses evaluasi risiko peminjam (underwriting<\/em>), baik untuk segmen ritel maupun wholesale. <\/p>\n\n\n\n

\u201cProses ini tujuannya apa? Agar kita nantinya loan profile<\/em> jauh lebih bagus dibanding saat ini, karena semua proses sudah tersentralisasi dengan menggunakan scoring, knowledge <\/em>ataupun kalkulasi untuk cashflow<\/em>,\u201d ucapnya. <\/p>\n\n\n\n

Selanjutnya, sekitar 10%-15% belanja IT diperuntukkan untuk meningkatkan keamanan sistem. Hal ini dilakukan untuk menghindari risiko kejadian keamanan (security incident<\/em>) yang dapat mempengaruhi operasi perbankan mereka. <\/p>\n\n\n\n

\u201cSaya selalu bilang bahwasannya siber menjadi foundation<\/em> ke depannya. Makanya pengembangan di sisi security<\/em> di BNI juga signifikan, cukup besar,” katanya. <\/p>\n\n\n\n

Sebelumnya, Toto menjelaskan bahwa BNI menggunakan pendekatan yang komprehensif dalam mengamankan sistem dengan menerapkan beberapa lapisan (layers<\/em>) keamanan dalam mengembangkan super app terbarunya, wondr. <\/p>\n\n\n\n

\u201cLayer paling atas itu edukasi ke nasabah, agar [nasabah] menggunakan atau menjaga password<\/em>-nya dengan hati-hati supaya tidak terjadi social engineering<\/em>,\u201d ucapnya. <\/p>\n\n\n\n

Layer berikutnya adalah kontrol terhadap aplikasi. BNI melakukan kontrol terhadap aplikasi untuk memastikan bahwa setiap aplikasi yang digunakan memenuhi standar keamanan yang ditetapkan. <\/p>\n\n\n\n

Layer ketiga melibatkan penerapan teknologi keamanan, termasuk pemanfaatan kecerdasan buatan (AI) terkait liveness detection<\/em>. Kemudian, BNI juga mengadopsi Multi factor authentication (MFA).<\/p>\n\n\n\n

Ia melanjutkan untuk layer terakhir yang paling bawah, BNI memasang anti fraud<\/em>, di mana pada saat terjadi anomali, maka transaksi yang terjadi bakal tertolak. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"

BusinessUpdate – PT Bank Negara Indonesia (Persero) Tbk. (BBNI) menyiapkan biaya modal (capital expenditure\/capex) untuk teknologi informasi (IT) sebesar Rp1,9 triliun pada 2024. Direktur Technology and Operations BNI Toto Prasetio mengatakan alokasi belanja BNI untuk IT meningkat dibanding tahun lalu. Hal ini lantaran BNI sedang melakukan transformasi besar untuk  pengembangan digital banking dan meningkatkan keamanan […]<\/p>\n","protected":false},"author":5,"featured_media":6394,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,1636,1006,266,2399,276,325,1333,544,1025],"class_list":["post-13314","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank","tag-banking","tag-belanja","tag-bni","tag-capex","tag-digital","tag-indonesia","tag-informasi","tag-negara","tag-teknologi"],"yoast_head":"\nBNI Rogoh Rp1,9 Triliun untuk Kembangkan Digital Banking - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=13314\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BNI Rogoh Rp1,9 Triliun untuk Kembangkan Digital Banking - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate – PT Bank Negara Indonesia (Persero) Tbk. 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