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Transaksi Digital Banking Capai Rp5,1 Kuadriliun pada Agustus 2023 | Databoks Home Transaksi Digital Banking Capai Rp5,1 Kuadriliun pada Agustus 2023 Transaksi Digital Banking Capai Rp5,1 Kuadriliun pada Agustus 2023 Nilai Transaksi Digital Banking di Indonesia per Bulan (Agustus 2018-Agustus 2023) Sumber : Bank Indonesia (BI), 18 Oktober 2023
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Penulis: Adi Ahdiat
Editor: Adi Ahdiat
Berdasarkan data Bank Indonesia (BI), sepanjang bulan Agustus 2023 nilai transaksi digital banking
Nilai itu meningkat 1,3% dibanding Juli 2023 (month-on-month ), serta tumbuh 11,9% dibanding setahun sebelumnya (year-on-year ).
(Baca: Tren Pencarian Info Layanan Keuangan Digital Naik pada 2022 )
Nilai transaksi digital banking atau perbankan digital yang tercatat di atas adalah gabungan dari transaksi internet banking , SMS/mobile banking , dan phone banking .
Menurut definisi dari Otoritas Jasa Keuangan (OJK), internet banking adalah transaksi perbankan menggunakan komputer dan internet melalui situs web khusus milik bank.
Kemudian SMS/mobile banking adalah transaksi perbankan menggunakan ponsel, baik melalui aplikasi smartphone maupun layanan pesan teks singkat yang disediakan bank.
Sedangkan phone banking adalah transaksi perbankan melalui telepon, di mana nasabah menghubungi pusat layanan bank, kemudian pihak bank memproses transaksi nasabah melalui staf khusus atau program otomatis.
Jika dirinci berdasarkan salurannya, nilai transaksi digital banking nasional pada Agustus 2023 adalah sebagai berikut:
Transaksi internet banking : Rp3.654,6 triliun Transaksi SMS/mobile banking : Rp1.443,8 triliun Transaksi phone banking : Rp143,7 miliar Total: Rp5.098,6 triliun (Baca: Ini Layanan Keuangan Digital Terpopuler di ASEAN )
