Raced in E-Banking

NewsEcoInfo Reported-Banking information technology world never stops working on "new game". Once the Internet began to be applied in the Indonesian banking, mobile banking is expected as the greatest thing that will become a trend in the banking world this year and next year.
In the country, mobile banking has been started this year by the Bank 's, Amex Bank, and HSBC. It was not completed until here. There is still a challenging new delivery channel to the front, namely the TV banking. How does the phenomenon of electronic banking (e-banking) is a future for the bank and its customers?

Advances in technology are fundamental changes in the banking world that also determines the profit and loss a bank. Although, admittedly, more important was the strategy the use of this technology relies on the business direction of each bank.
A little flashback, it turns out, only in less than 10 years, technological developments have changed our style of banking. Starting from the introduction of automatic teller machine (ATM), debit, cash out (taking cash at the cashier at the time of debit spending by the Bank Central Asia (BCA), phone banking, internet banking, up to now enter the mobile banking and TV banking is crowded in Europe.

With continued advances in technology, the phenomenon of the future can be predicted. The experience of developed countries can provide value for Indonesia's banking experience. Advances in technology certainly be things that are fundamental in the preparation of each bank's business strategy.
Depending on how strategic a bank offering integrated multi-channel solution (IMS) is the new-economy era. STI offered must also be based-on the nature of the business. If the orientation of the bank's consumer banking is the base, this is certainly very supportive and vice versa.

The advent of internet banking has opened the gates of a new automated payment system has created a new goal for the banking industry. Than just an alternative delivery channels, the power of internet banking can be extended to B2B and B2C is automatically widen the business goals of each bank that has a purpose to it.
One implication of these changes is now very possible what the company offers financial services. No longer limited to industrial banks or other financial industries. Means, has emerged the new breed of competitors.

Broad market penetration handset allows mobile banking market becomes very large. Mobile technology is very easy to understand. In addition, the dynamic nature of the wireless application protocol (WAP) is expected to be a key delivery channel for a secured transaction or other account information.
Some banks, such as OUBS and Deutsche Bank in Europe and UBS in Singapore, has been running mobile commerce business with good results. Penetration of Internet banking can be slow because of accessibility. But the penetration of mobile banking is expected to grow rapidly worldwide.

WAP phones far cheaper than personal computers (PCs) and of course portable. With so many channels on offer, mobile banking will become "a bank in your pocket" the closest, most personal, most easy to use, and it is estimated would be most desirable.
Judging from the nature of his service, both from the customer point of view and in terms of business for banks, there are two things that are expected to mengestabliskan mobile banking channel.

First, banks are introducing mobile banking should really be able to apply the IMS strategy. That is, should be able to accommodate the same service could be better-if-that accommodated the other channel. Consistency of service from one channel to the new channel will be easier to drive customers to use it.
Second, banks themselves should think of existing revenue models and offer innovative services that-although it may be less attractive views from the revenue standpoint-can capture customer base in the future, either from existing customer or potential customer.

To be able to do that, the bank must be allied with the right partner, in accordance with business objectives. With the alliance, the bank can certainly share costs, knowledge, and avoid legal wrangling.
The creation of business opportunities can come from anywhere. Alliances or pressure from competitors could encourage banks to go ahead, though actually not ready. It's like that happen in communities in UK last year. Due to the threat of foreign entry into UK mobile banking, the banks there and then became very concerned and push yourself to speed up their mobile banking strategies after The Swedish Internet Bank (SEB) announced its ambition to enter the UK market.

Another is going on with Deutsche Bank, which had merged with the Dresner Bank simply because the urgent need to respond to growing online competition.
Looking ahead, the banking sector in Asia will have a new toy, namely a TV banking. There has been no indication of when can be applied in Indonesia. To be sure, the most recent channel that was first grown in Europe is now busy talking.

Britain is leading in the arena of TV banking. More than 40% of the population there may simply have access to interactive digital television (IDTV) in late 2002. The main players in the UK retail banking, such as Abbey National, The Woolwich, Halifax, and HSBC, already offer the service.
Sweden and France are now being followed England for the development of TV banking. Reportedly, this new delivery channel still has not taken off in the United States. There are several factors that influence the rapid growth in the UK IDTV.

According to PA Consulting (The Banker 2001), 98% of homeowners in Britain have televisions. Because, according to consulting this observation, watching television is the second most popular activity there. This can prove why there is triggered banking with IDTV as an alternative access channels.
Another factor is the British Government's attention to target free-up spectrum for use analogue mobile data service to another. Thus, it is estimated, all major banks and building societies in Britain will have a digital TV platform in 2006.

IDTV penetration in the UK could be more successful than internet banking. Because, of the four homes that have televisions, only one house with a PC. Certainly, TV banking, there is much more successful than internet banking.
When will the time came into Indonesia, with simple technology base and are very familiar with the family, TV banking is expected to grow rapidly for shopping and banking family. Only with one-click sales, on-line applications, and account servicing, IDTV have tremendous potential to open new doors to the cozy world of banking from home.

Expected revenue from jumping into the TV banking is through customer acquisition and cross selling. If you want more advanced again, through the TV banking, banks can offer advice, provide information more visually appealing than other channels, and sell the product more attractive via television. This channel will provide a "true interaction" between the customer and the bank.
For banks, offering STI is one of the strategies for competitive advantages and to increase or maintain the customer base. But the main purpose of this distribution channel diversification is customer retention.

The key behind the success of this strategy is the full integration of all the channels offered. Make sure everything is in a "strategic umbrella" with the parent brand. It is important to avoid inconsistencies between the channel and the other one.
Because, good internet banking, mobile banking, TV banking or later each channel is an alternative offered, not the substitute of the previous channels. Therefore, everything needs to "fully integrated" with existing systems or systems that will now be available.

Problem of success or failure of e-brand offered has been verified. That marketing time is "the Very Important battle" in e-banking is now or later. So, the marketing strategy is a fundamental strategy in designing and played a "strategic umbrella" mentioned above! (NewsEcoInfo)