Digital banking is growing and continues to rise to the next level in the world. Even before the pandemic situation, the world community was very open to the presence of a variety of digital banking.
The digitalization of banking is a response to the changing behavior of people who are increasingly dependent on the internet to meet their daily needs. Including growing trust in online transactions.
Digital banking has changed the national banking landscape, particularly in the retail sector.
One common example is that almost all digital banking applications are able to offer convenience and practicality for transactions, including transfers, buying and paying here and there, all of which can be completed via gadgets. Until the first semester of 2021, the increase in digital banking transactions reached 39.3% according to World Bank data.
However, according to Bhima, there are also things that customers must pay attention to when choosing a digital banking application, such as the ability to help their customers manage finances, from preparing for protection to investing. Do not let the use of digital banking even encourage more consumptive behavior.
"Therefore, customers must be smarter in choosing digital banking applications that can support them in achieving their financial aspirations, not even encouraging a more consumptive lifestyle. Changes in behavior are needed so that customers choose digital banking services that support productivity and asset management," he said.
One of the digital banking innovations that can provide transaction solutions and financial management is the ONe Mobile digital banking application as a 'Comprehensive Money Manager'.
In terms of transactions, this application from Bank OCBC NISP has moved almost all transaction services, including account opening, which previously could only be done at branch offices.
Meanwhile, in terms of financial management, ONe Mobile can help customers from preparing emergency funds through time deposits or savings, preparing protection through bancassurance products, to investment solutions for mutual funds, bonds, and foreign exchange.
ONe Mobile also allows customers to manage investment portfolios, as well as get insights and market updates that are useful for determining the direction of investment going forward.
Banking transactions are getting easier and more convenient, especially when there are more and more temptations for shopping promos, customers need to respond wisely so they don't fall into a consumptive lifestyle.
"To avoid this, customers need to be more careful in choosing banking applications that not only offer convenience in conducting transactions, but can also provide financial management solutions or wealth management," he added.