The banking sector is constantly evolving through a series of changes, brought forth by the digital revolution. The large unbanked Indonesian population, quick mobile & internet penetration, and advancement of digital technologies have propelled the fast-moving trend toward digital banking services. Being a data-driven decision making organization is essential to win the competition in the digital era.
Perhaps it’s no surprise that digital banking grew in popularity during the COVID-19 pandemic, when many bank branches temporarily closed and customers sheltered at home. Digital banking is about automating and digitalizing banking processes and services to offer a much better customer experience and maximizing growth potential. In the new era, customers can conduct their digital banking in three ways. The first is through traditional brick-and-mortar banks, which offer online banking services for transactions like check deposits, money transfers, and bill payments. They still have branches for in-person visits. Secondly, digital-only banks provide typical banking services but only online, minus any physical branches. Transactions are conducted through a variety of digital means: using a web browser, mobile app, and email. A third type of digital banking is a subset of digital-only banks called neobanks. Neobanks are created by financial technology (fin-tech) companies, which usually partner with traditional banks to provide their services, mainly via mobile apps.
As we move forward in the digital revolution, digital banking is one of the most significant breakthroughs of the banking institutions and financial sectors in Indonesia. Digital banking only works if the management organization ensures that its operations are precise, thorough, secure and stable. While digital banking is primarily secure, it is not risk-averse. For the digital banking segment, competition will become tougher moving ahead, calling for increased dedication from teams and regular upgrade of services to meet customer expectations. Since digital banking is aimed at complete transformation of the traditional banking sector; job opportunities in this sector will be limited to digital talents with technical knowledge and those proficient with digital concepts.



Data science: Learners will be equipped with the knowledge and skills to analyze complex data sets and extract valuable insights to support informed decision-making and drive business growth.


Digital project management: Learners will learn how to manage and oversee digital projects, including planning, execution, monitoring, and controlling, to ensure successful completion within budget and timeline.


Data cleansing/processing: Learners will learn how to identify, clean, and transform raw data to ensure accuracy and reliability, which is crucial for effective data analysis.


Data visualization: Learners will be able to translate complex data sets into easily understandable visual representations, including charts, graphs, and dashboards, to help stakeholders identify trends and make informed decisions.


AI machine learning: Learners will gain an understanding of artificial intelligence and machine learning, including how to apply these techniques to automate processes, improve accuracy, and drive innovation.


Big data: Learners will learn how to handle large, complex data sets and leverage the insights gained to drive business decisions and outcomes.


Blockchain: Learners will be introduced to blockchain technology, including its potential applications in banking, such as improving transparency and security in transactions.


Cybersecurity: Learners will be taught the fundamentals of cybersecurity and how to identify and mitigate risks to protect against cyber threats, such as data breaches and identity theft.


E-channel operations: Learners will gain an understanding of electronic channels, such as mobile banking and online banking, and how to manage these operations to ensure a seamless customer experience.


Omni-channel CRM: Learners will learn how to manage customer relationships across multiple channels, including social media, email, and phone, to ensure a consistent and personalized experience


Digital contact-center services: Learners will gain an understanding of how to manage digital contact centers, including customer service and support via chatbots, voice assistants, and other digital channels.


Cloud computing (serverless architecture): Learners will learn about cloud computing and serverless architecture, including how to design, deploy, and manage cloud-based applications to improve efficiency and scalability.


Banking-as-a-Platform and Banking-as-a-Service: Learners will be introduced to the concepts of Banking-as-a-Platform and Banking-as-a-Service, which enable banks to offer third-party financial services and solutions through APIs and other digital channels.


Digital governance: Learners will learn how to establish and maintain effective governance structures and processes for digital initiatives, including compliance with legal and regulatory requirements.

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