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Sesi 1
Social Banking : Banking 2.0
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Pada 2010, platform social bankingdiprediksi akan merebut 10%pasarretail lending danfinancial
planning di seluruh dunia
Source : Gartner, 2008
Social Banking Akan MenjadiAncaman Bagi Bank Tradisional
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Social Banking
Kind of Banking 2.0Banking 2.0 in Indonesia?
What
Social Banking
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What is Social Banking? (1)
Social banking is the combination of social trends,such as social entrepreneurship, and peer-to-peer (P2P) lending and financial planning viasocial networks,with banking products andservices.
Gartner, 2008
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What is Social Banking? (2)
Tabungan
Transfer
Deposito Asuransi
Debit & credit card
Kredit
Past Recent
Micro finance
Social lending
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What is Social Banking? (3)
Source : www.readwriteweb.com, 2008
Survey kepada 1000 user Facebook yang berusia 18-34 tahun :
27% responden akan berpindah ke bank lainyangmenawarkan gadget web 2.0 untuk layanan personal
banking.
48% responden akan menggunakan gadget web 2.0jika bank tempat mereka menabung menawarkannya.
Responden pria (55%)lebih tertarikmenggunakangadget web 2.0 dibandingkan wanita (45%).
Responden yang berusia 25-34 tahun (61%) tingkatketertarikannya lebih tinggi dibandingkan responden
yang berusia 18-24 tahun (39%).
Responden akanPindah ke Bank lain
yang menawarkanGadget Web 2.0
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What is Social Banking? (4)
Kredit bunga rendah
Peminjam dikunjungi staf sampai kedesa-desa
Hanya untuk warga miskin dan wanita
Tanpa agunan
Layanan Kredit Mikro Grameencredit
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New Business in Social Banking Rules
Communication shift Social network Socializing & sharing
Back to the old days?
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Web 2.0 Mendorong Munculnya Banking 2.0 (1)
Pengeluaran bank untuk web 2.0 dalam5 tahun kedepan akan meningkat pesat,secara global mencapai $4.6miliar pada 2013
Source : Slideshare, 2008
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Web 2.0 Mendorong Munculnya Banking 2.0 (2)
Series1,
Productvideos, 7%
Series1,Quizzes or
questionnarie
s, 8%
Series1,Discussion
boards/forums, 13%
Series1,Email/RSSalerts, 18%
Series1,Specialoffers/coupon
s, 20%
Series1,Personalized
sites, 20%
Series1,Product/pricecomparison,
21%
Series1,Customer
testimonials,25%
Series1, Userratings/review
, 37%
Source : db research, 2008
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Social Banking
Kind of Banking 2.0Banking 2.0 in Indonesia?
What
Social Banking
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Jenis-Jenis Banking 2.0
There was a time when managing finances from your
computer meant you had to use desktop software.
Today, that's no longer the case. There are now
a number of applications that let you do
your banking in the cloud, a trend we've
dubbed "banking 2.0."
Source : readwriteweb.com
Transfer LendingSaving &
investmentMoney Management
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Transfer
Lending
Saving & investment
Money Management
Contoh Banking 2.0
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Contoh Banking 2.0:Online Money Transfer (1)
User terlebihdahulu membuatakun xoom
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Contoh Banking 2.0:Online Money Transfer (2)
Source: www.Xoom.com, 2008 Flat
Biaya Transfer Xoom Jauh Lebih Murah Dibandingkan dengan Western Union
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Social Lending Menjadi Fenomena Banking 2.0
Hampir responden di UK lebih memilih meminjamatau memberi pinjaman melalui komunitas sociallending daripada melalui Bank
Source: Social Futures Observatory (SRO) Research, 2008
61% responden berpendapat motif bank-bank besarmemberikan pinjaman hanya untuk mencari keuntungansendiri
Source: Social Futures Observatory (SRO) Research, 2008
Aliran dana mengalir melalui peer to peer lending/sociallending services di seluruh dunia sebesar US$ 85 juta
Source: P2P-Banking.com, 2008
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Model Person-to-Person Lending
Rate set by Description Lender Motivation Example
Person-to-person marketplace
True auction Interest rates are set based on competitivebidding by lenders
Maximum rate of return Prosper
Exchange owner Interest rates are set by the exchangeowner/operator to balance demand
Maximum rate of return Zopa (UK)Lending Club
Bank-to-person marketplaceLenders Users complete one application and a set
number of banks receive the lead and makecompeting loan offers
Maximum rate of return Lending Tree
Lenders User select the financial institution theywish to use prior to submitting the finalapplication
Customer acquisitionand/or a good rate ofreturn
Zopa USA;MortgagebotMortgage Marvel
Microfinance (social lending)Exchange owner Interest rates set by the exchange owner,
typically below-market or zero interest,appeals to lenders philanthropic interest
Philanthropic Kiva.org
Source : Online Banking Report, Desember 2007
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Contoh Banking 2.0:Social Lending (1)
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Contoh Banking 2.0:Social Lending (2)
Let the bidding begin Receive your money Make monthly payments
Join prosper1 Create your loan listing2
4 53
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Contoh Banking 2.0:Social Lending (3)
Source: andrewchenblog, 2008
User Prosper Terus Mengalami Peningkatan
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Contoh Banking 2.0:Saving and Investment (1)
User dapat menentukan tujuannya menabung, besarnya total tabungan yang diinginkan dankapan tabungan itu dibutuhkan Fasilitas account public sehingga keluarga dan kerabat user dapat ikut berkontribusi
www.smartypig.comSmartypig, Online Saving Account
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Menabung setiap bulan
Contoh Banking 2.0:Saving and Investment (2)
Menentukan total tabunganyang ingin dicapai dan tujuan
menabung
Memberikan informasi kepadakeluarga/teman untuk ikut
berkontribusi dalam akun smartypig
Total tabungan
tercapai dan menerimatabungan
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Contoh Banking 2.0:Money Management (1)
www.mint.com
Gambar menyeluruhakun-akun dalam satu
web site web
Tool untuk
menyusun anggaran24/7 proteksi keuangan
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Contoh Banking 2.0:Money Management (2)
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Mint Geezo
General characteristicUser friendly but difficult toidentity to which bank thetransaction belongs
Transaction are listed undereach account and morereadable than Mint
UsabilityAdd tags to the transactionautomatically
Simple to use, yet powerful.
Automatic Account Updates Yes Yes
Downloads to cell phone Receive mobile alertsProvides support to downloadthe transactions to your
mobile device
Networking with users No Yes
Contoh Banking 2.0:Money Management (3)
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Dari Mana Provider Memperoleh Revenue?
Dari subscription (fitur yang ditawarkan lebih advance)
Venture fund
Pinalti pinjaman pelanggan Origination fees (0.75% sd 3.00%) oleh peminjam (sumber: Lending
Club.)
1% dari saham (note) lender (sumber: Lending Club.)
Banking2.0
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Banking 2.0 Masih Banyak Mengandung Risiko
Pendapat user Zopa mengenai risiko penggunaan Social Lending
Significant Risk Zopa Lenders Zopa Borrowers
The loan will not provide a return/ thelender will demand quicker repayment 10% 10%
I will not receive my 2% bonus
18% -The organisation will go bankrupt 8% 10%
The organisation will disappear withmy money
7% 8%
The website is not secure and private 7% 10%
The organisation will lose itscompetitive edge
31% 25%
Source: Internet Based Social Lending: Past, Present, Future
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Perlindungan Terhadap Layanan Banking 2.0
The Federal Deposit Insurance Corporation (FDIC)preserves and promotes public confidence in the U.S.financial system byinsuring deposits in banks and thriftinstitutions for at least $250,000; byidentifying,monitoring and addressing risks to the depositinsurance funds; and by limiting the effect on the economy
and the financial system when a bank or thrift institutionfails.
Account Smartpig Disimpan di West Bank
dan Dilindungi oleh FDIC (Federal Deposit Insurance Corporation)
http://www.smartypig.com/security
http://uk.zopa.com
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Social Banking
Kind of Banking 2.0Banking 2.0 in Indonesia?
What
Social Banking
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InternetAkses
TrustedSociety
Provider
yangCredible
Syarat
Mudah
Benefit
Social Banking di Indonesia akan Sukses?
Key SuccessFactor
Tarif semakin turunDemand terus naik
Mulai darifamilyand friend?
Security?
Tidak disalahgunakan?Platform yang reliable
Ini bisa terjadi
karena antar pelakusaling percaya
Lendermemperolehbunga maksimum,Borrowermemperolehbunga minimum;
transaksi padasuku bunga yangdisepakati