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Terdisrupsi Layanan Digital, Jumlah Kantor Bank Berkurang 9 Ribu Unit | Databoks
IKLAN

Terdisrupsi Layanan Digital, Jumlah Kantor Bank Berkurang 9 Ribu Unit

Jumlah Kantor Bank Umum di Indonesia Berdasarkan Wilayah (Desember 2021–Juli 2022)

Sumber : Bank Indonesia (BI), Oktober 2022

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Disalin..
IKLAN

Penulis: Viva Budy Kusnandar

Editor: Adi Ahdiat

23/11/2022, 12.00 WIB

Tren digitalisasi perbankan membuat kebutuhan pelanggan akan layanan keuangan tatap muka semakin berkurang. Hal ini pun membuat jumlah kantor bank umum mengalami penyusutan.

Berdasarkan data Bank Indonesia (BI), jumlah kantor bank umum di dalam negeri pada Juli 2022 tersisa 38.942 unit. Jumlah ini sudah berkurang 9.030 unit atau menyusut 18,92% dibanding Desember 2021.

Penyusutan jumlah kantor bank umum paling banyak terjadi di wilayah Jawa, yakni berkurang 4.960 unit (17,91%) menjadi 22.738 unit pada akhir Juli 2022.

Kemudian pada periode sama kantor bank umum di wilayah Sumatra susut 1.867 unit (18,83%) menjadi 8.046 unit, di wilayah Kalimantan berkurang 733 unit (21,01%) menjadi 2.756 unit, dan di Sulawesi berkurang 707 unit (22,48%) menjadi 2.438 unit.

Jumlah kantor bank umum di wilayah Bali dan Nusa Tenggara juga berkurang 455 unit menjadi hanya 1.882 unit, sementara di wilayah Maluku dan Papua berkurang 308 unit (22,16%) menjadi 1.082 unit.

Selain karena terdisrupsi layanan keuangan digital, penyusutan kantor bank umum juga dipengaruhi langkah efisiensi perusahaan perbankan, serta masifnya perkembangan financial technology (fintech) di Tanah Air.

Terjadinya merger dan akuisisi juga membuat jumlah bank umum terus menyusut dalam sedekade terakhir. Pada 2013 masih ada 120 entitas bank umum di Indonesia. Namun, pada Juli 2022 jumlahnya sudah berkurang menjadi 107 bank.

(Baca: Jumlah Kantor Bank Umum Berkurang 1.020 Hingga Juli 2021)

IKLAN

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