MANAGEMET
INFORMATION SYSTEM
COMPETITIVE ADVANTAGE IN THE ERA OF GLOBAL
IN BANK BCA
Yonathan1, Hapzi Ali2, Sheli3
1Internal Audit , PT. Satwika Permai Indah, Jakarta Indonesia
2Profesor Of Management Mercubuana University, Jakarta
Indonesia
3Lecturer of Mercubuana University,
Jakarta Indonesia
Abstract: The competitive advantage can be
achieved through the management of physical resources, virtual resources but it
also can play a big role. In this era of globalization, business Intense
competition in any industry demands a company must have a thorough strategic
planning in order to win business competition included PT.BANK BCA. In this
research will be shown BANK BCA several competitive advantages compared to
other banks.
I. Preliminary
BCA in the
journey never experienced the adverse effects of competition in the banking
business. BCA was founded on February 21, 1957 with the first name of Bank
Central Asia NV. And BCA was badly affected by the financial crisis that
occurred in 1957. The monetary crisis that occurred in that year a large impact
on the Bank's cash flow, and even threatens the continuity of business
processes run by BCA.
So in the
end the Bank was taken over by IBRA in 1998. Thanks to the wisdom of the
leaders and the system of good organizational governance, finally in the BCA
managed to bounce back and make the BCA as one of the top national private bank
in Indonesia. BCA has a philosophy, work culture, and the values that have
been built since its foundation. Hi is this that leads to the success of BCA.
In 1990
BCA develops alternative service network through BCA ATM (Automatic Teller
Machine or Automated Teller Machine) is growing rapidly. In 1991, the Bank
began to place 50 ATMs at various places in Jakarta. Development of ATM network
and features intensively. BCA collaborates with leading institutions, including
PT Telkom's telephone bill payments via ATM BCA. BCA is also working with
Citibank to enable customers BCA Citibank cardholders can make bill payments
via ATM BCA.
From
crisis ever experienced BCA few years ago, mengingatkam leaders BCA to fortify
ourselves with developing organizational and human resources available. Vision,
mission, and values from the outset underlying business travelers BCA then
formulated back into the corporate culture in accordance with the business
strategy and challenge to be faced in the future.
Bank BCA
as the bank has a network of electronic largest and most widespread in
Indonesia. With a network of branches and ATM BCA connected online across
Indonesia, BCA is always ready to serve their Clients. BCA working with more
than 34,000 merchants in Indonesia where customers can easily and freely shop
using BCA Debit facility. BCA Cash Service allows customers to make cash
withdrawal transactions when shopping. Credit Card BCA (BCA Card, JCB BCA, BCA
Visa, Mastercard BCA), received millions of merchants around the world. No less
important, with a customer of BCA we can enjoy banking services of non-cash
quickly and easily through the facilities of the BCA by Phone, m-BCA (mobile
banking), and KlikBCA (Internet Banking) as if we had a personal ATM on the
telephone , mobile phones and computers.
In the
midst of the banking industry competition intensifies, BCA as a transactional
bank continuously expanding range of products by offering a very diverse range
of services to meet the specific needs of its customers. The products and
services of the Bank include:
Type
|
Name
Products and Service
|
Deposit
Credit Card
Electronic Facility
Bank Service
Credit
Export-Import Facility
Bank Guarantees
Foreign Currency Account
Facilities
|
Stages account,
Tapres Account, Demand Deposit Accounts, Time Deposits and Certificates of
Deposit
BCA Card, BCA Master
Card, BCA Visa, BCA JCB
BCA ATM, Debit BCA,
BCA Cash, KlikBCA Internet banking, m-BCA mobile banking, BCA Link, Call
Center
Safe Deposit Box
(SDB), money orders, travelers checks, collection and clearing, foreign
currency
KPR, KKB, Working
Capital Loan, Loan Syndication, Export Credit, Trust Receipt, Credit Investment
LC, negotiation,
discounting, documentary collections, bankers acceptance
Bid bond, payment
bond, advance payment bond, performance bond, and Import Duty Exemption and
Refund Center
Foreign currency
facilities
|
Vision:
The main selection mainstay Bank,
which acts as an important pillar of the economy of Indonesia.
Mission:
• Building institutions that excel
in the field of settlement of payments and financial solutions for business
customers and individuals.
• Understand the diverse needs of
customers and provide appropriate financial services to achieve optimal
customer satisfaction.
• Increase the value of BCA francais
and stakeholder value.
Source: www.bca.co.id
II.
Literature Review
Information Systems for Competitive Advantage at Bank BCA
Cental Bank of Asia would be serious
about using information technology in 1989 with the aim to differentiate the
service to other banks. For the Bank Cental Asia must invest heavily to build
their information systems. By using VSAT, BCA is able to connect between the
branch on line. BCA products which during the use of information technology
include telegraphic tansfer, mail transfer, ATM and phone banking. Until 1995
the number of ATM BCA reached 500 units. It is thanks to the ease that had been
offered the BCA.
BCA information system is also used to
improve the efficiency and productivity of the branch. Journaling bookkeeping
is now performed automatically, as well as displacement between accounts. Thus
the work of the auditors become lighter. The presence of Local Area Network
(LAN) is used for the distribution of data entry and transaction processing. On
busy days no less than 1 million transactions must be processed. While the e-mail
facility is used to facilitate communication between branches. At the present
time that a company remains able to survive in an age of constantly changing
rapidly, as now, one of the key words according to Thurow (1997) is adaptive.
This is due to the time of the change will bring with it changes in the nature
of society and of course on the nature of the world economy in particular.
So that the company is able to always
adaptive to changes that arise, then the company must prepare for a wide range
of possibilities that may occur. Therefore, the company should have a variety
of data and information on everything that is around the company. With existing
data, the company can create a wide variety of scenarios for the strategy.
Furthermore, with continuous information processing of the incoming data from
day to day, the company can conduct an analysis of alternatives scenario, to
achieve the best scenario for the implementation of activities in the times to
come, and so on. Things like this of course requires the support of a good
information system.
E-Commerce
at Bank BCA
Internet users in Indonesia and around
the world in the last decade, has developed very rapidly. Even now, the
internet has become a business tool and is used more than 1.5 billion people in
the world. The rapid number of Internet users, spurring PT. Asia.Tbk Central
Bank (BCA) launched the E-Commerce Bank, which is an online transaction
processing services credit card at the merchant website BCA.
BCA E-Commerce services are designed to
meet the needs of merchants in increasing sales and working on a broader
potential market. E-Commerce services through the BCA, the merchant can have an
online payment processing menu on their website and include completion of the
transaction settlement services. E- Commerce to provide this service, the Bank
supported MasterCard Internet Gateway Service (MiGS) as payment gateway that
provides comprehensive payment solutions. Payments made by the customer at the
merchant website using a MasterCard or Visa credit card, can be processed
through the E-Commerce BCA.
E-Commerce
BCA seen from the service items contained in the I-Banking BCA there are 10
Service that can be used by customers, namely: Purchasing, Payment, Funds
Transfer, Account Information, Credit Card Information, Other Information,
Transaction Status, Historical Transactions, administration and E-mail.
Computing and Communications Resources Owned Bank BCA
With a click of the
BCA, providing for individuals and business owners a wide range of banking
services that suit the needs of their own through the Internet. Meanwhile, for
those who are always on the go, mobile banking services are provided through
the channels of m-BCA, SMS Top Up BCA, BCA by Phone and Halo BCA. BCA has
developed a wireless broadband infrastructure to ensure high-speed data
communications between headquarters and branch offices ..
At March 31, 2010,
customers can contact the BCA 889 branch offices throughout Indonesia in
addition two representative offices in Hong Kong and Singapore. Special
services for premium customers Priority BCA BCA is also available at 130
branches. At the international level, we are working with more than 1,831
correspondent banks in 108 countries to provide services such as Payment Order
(Payment Order).
Intranet and Extranet
Intarnet is a network
of computers that are connected to each use an organization system. Or it could
be said Intranet is a LAN that uses standard Internet communication and all
facilities, likened the Internet in the local environment. generally also
connected to the Internet so as to enable the exchange of information and data
with other Intranet network (Internetworking) via the Internet backbone.
Extranet is adoption
of Internet technologies within the scope of the few companies who are partners
with one another, in other words Connecting to enterprise partners and
suppliers requires a high cost and the difficulty level is also high. In
addition, it takes frequent problems with the compatibility of the device used
for each company.
The use of management
information systems in this BCA Bank operations result in something positive
for the survival of the passage of the banking system, the positive impacts
include:
• Information systems
improve the efficiency and productivity of branch
• Facilitate
communication between branches in the facilities E-mail
• Service E-Commerce
BCA positive impact on the needs of merchants in increasing sales and working
on a wider market potential
• By leveraging technology
and human resources are highly trained, BCA has successfully expanded its
network both conventional and electronic networks to provide the most
convenient banking experience for its customers
• Ease Customers
having greater access to information: Bank BCA has put a strategic technology,
and the use of sophisticated technology has rightly become an important element
in the competitive strength of Bank BCA. With this technology, BCA Bank BCA
Bank customers seeking convenience to access information about any of the BCA,
so that customers easily obtain the information they ingnkan.
• With intranets and
extranets system applied BCA. For example, through the I-Banking services
through ATM BCA or BCA customers can directly pay the electric bill or phone
without having to visit PLN or Telkom.
In addition to the
positive impact, the negative impact would be caused by the use of SIM at Bank
BCA, this usually occurs among Bank BCA will lose the trust of consumers caused
by a wide range, including the use of Internet technology is often the name of
burglary system by a hacker, hacking information systems this management can
take place and have major impact for the company because the source-smber
important information had been stolen,
Secondly, BCA Bank
could lose the trust of the customer due to system error on his Web site,
usually because the website is updated or less due to disruption of the system,
so that consumers will be difficult to obtain clear information as well as up
to date on the Bank BCA. Though this information is very important to attract
consumers.
The last negative
impact of the use of management information systems at Bank BCA is unexpected
losses, caused by the disturbance caused intentionally, dishonesty, improper
business practices, the human factor errors or mistakes electronic systems.
Extranet is adoption of Internet technologies within the scope of the few
companies who are partners with one another, in other words Connecting to
enterprise partners and suppliers requires a high cost and the difficulty level
is also high. In addition, it takes frequent problems with the compatibility of
the device used for each company, this is a negative impact inflicted on the
use of management information systems at Bank BCA
III.
Research Methods
Systems Development Method
System development method used is by using ERP.
ERP stands for three elements of the word, namely,
Enterprise (company / organization), Resource (resource), Planning (planning),
3 says this reflects a concept that led to the verb, ie "planning"
which means that ERP emphasizes the aspects of site planning ,
ERP is an enterprise information system designed to
coordinate all the resources, information, and activities needed to complete
business processes. ERP systems are generally based on a database and design
software modular.ERP is a software that integrates all departments and
functions of a company into one ystemr system that can serve all the needs of
companies, both from the sales department, HR, production or finance.
The most important requirement is the integration of the ERP
system. Integration is meant is to combine a variety of needs in one software
in a single logical database, enabling all departments to share information and
communicate. Existing databases can allow every department within the company
to store and retrieve information in real-time. Such information should be
reliable, accessible and easily disseminated. The design of modular software
should mean that a business can choose the required modules, combined and
adapted from different vendors, and can add new modules to enhance the
performance of the business.
IV. Results
and Discussion
Investment
Information Technology
Bank Central Asia (BCA) seems to have realized that
the bank has 795 branches, 7.9 million accounts, and approximately 15000
employees could not operate without the support of information technology
systems. BCA strongly believes that technology investments will be able to help
them to improve existing business processes within the company so that
investment in information technology that have spent a very expensive cost
could even reach millions of dollars would not be a problem for the company
because they believe that the use of information technology the right to be
able to increase the profits of companies in the future.
Investments in information technology that greatly
affect business processes BCA becomes more profitable the company is investing
in Enterprise Resource Planning (ERP). This is because the use of the ERP
system can reduce operational costs and improve productivity. In addition to
the decrease in operating costs and increased productivity of the company,
investment integrated system also allows BCA to see the internal condition of
the company and to relinquish control over branch offices BCA which has spread
throughout Indonesia even BCA has had representatives abroad
With the integration of branch offices and departments
that exist to make the control of branch offices from a management and
operations become easier with the technology of information. This is because
the system of information technology has been able to integrate data from all
branches of the company. With the company's integrated system can also perform
control of the company if the information that deviate from predetermined. In
addition, the integration of data from branch offices and departments in the
company allows the company to know the condition of the company at any time,
this is because the data contained in the ERP system are online and always up
to date so that data is always the renewed company will be able to know the
activities and progress daily on the various branches of the company.
ERP has integrated the data contained in the company
accurately and saved from year to year, this condition makes the company has a
history of data that will be very useful in forecasting to determine the
development of the company in the future. It certainly can be easier for
companies to determine the planning strategies. Thus, investment in information
technology is expected to support the banking business in planning strategies
and controls to their branch offices that have spread across Indonesia.
Bank Central Asia (BCA) has realized that the use of
information technology in the banking industry with branch offices and
customers in considerable amounts become an absolute necessity. BCA is a
national private banking most serious compared to other national banks in
investing in information technology. Investment in information technology is
intended to enable the accuracy, speed, quality of service, and security
becomes the most important to be carefully managed. BCA seems to have started
to realize that technology can help them to improve existing business processes
within the company so that a substantial investment in information technology
will not be a problem for the company because they believe that the use of
appropriate information technology will be able to increase the profits of
companies in the future.
To make an initial investment in the field of
information technology, Bank Central Asia (BCA) must pay the investment in
large enough quantities and even millions of dollars. At this time where
information technology system has worked according to the procedure, Bank
Central Asia (BCA) annually must spend up to US $ 40-50 million where huge
funds are used for IT spending (modem, computer, writer, PC, etc. ) amounting
to US $ 20-25 million, this figure has not been calculated for shopping ATM
machines, telecommunications costs, pay for the rights to use the software and
maintenance fees each year spent US $ 15-20 million (Sudarmadi / Abraham
Susanto, Swasembada Magazine No 24 of 2004 ). Investment Bank in the field of
information technology greatly influenced the development of the exchange rate
in the dollar, this is because the vendor of the system used BCA is a foreign
vendor so that the payment assignments right to use the software and maintenance
fee should use dollar exchange rate so that if the value of the rupiah against
the dollar weakens the BCA must pay the cost of right to use the software and
maintenance fee in an amount that is relatively larger than if the exchange
rate against the dollar is relatively stable.
Costs incurred BCA to invest in information technology
not only to the above, but the Bank must prepare for the end user who will be
using the technology system. Preparation of the end user would require no small
amount of this is because the company must make consistent training tailored to
the needs of the company. Not only that the company also had to spend money to
hire employees in monitoring the results of the training which has given the
company towards its employees.
The company's decision to invest in the field of
information technology seem to have been recognized by the management of the
Bank to be able to compete in other banking industries. This is because in a
very tight competition this company must have a competitive advantage that can
be added value for the company. In addition, the number of branches and
customers continued to increase in the BCA will make it harder to control the
continuity of its business if it does not use the technology.
Bank Central Asia (BCA) has been successful in
implementing ERP is an integrated system. As a result of the successful
implementation of the ERP BCA has gained a lot of advantages that can add value
to the company.
As an indication of the many benefits of investment in
information technology is used all transactions can now be served by a teller
through electronic facilities. Quantitatively subscriber information
technology-based products in BCA increased this is because at this time the
development of Internet in society continues to increase so that the
information technology facilities provided by the Bank to its customers through
the provision of internet banking services seem to make consumers feel
comfortable in doing the transaction. Likewise with the BCA mobile banking products,
the customers of these products continue to increase as the development of
mobile phone industry in Indonesia.
Investments in information technology can also improve
the productivity of the company where in 1999 the number of employees of the
Bank as many as 23 thousand people, while at present only employees of BCA as
many as 21 thousand people whereas the number of transactions in the Bank
increased by threefold from transac- previous transaction which at this time
Bank Central Asia (BCA) airport transksi 3.5 million transactions per day
(Sudarmadi / Abraham Susanto, Swasembada Magazine No 24 of 2004).
Application
of appropriate information technology will certainly add value to the company
so with Bank Central Asia (BCA). Implementation of ERP systems have
successfully integrated all branches and all departments in the company. This
condition causes the company will be able to determine accurately and precisely
the process that is going on in the company and how long it took lagiapabila
the process has not finished. This condition makes the existing processes
within the company to be more transparent so that the company can maintain the
level of quality of services provided to its customers clearly. With data
integration makes data from branch offices and departments that is becoming
more transparent which will be easier for companies to determine the internal
condition of the company as a whole which will further facilitate the company
in control when things happen that are not desirable especially when
Indonesia's economy is still unstable. In addition, enables the company to
relinquish control, investment in information technology is also able to
provide convenience to the company in forecasting because of their history data
in the system so the company will be able to know the trend of the products on
the market later so that they can determine the planning strategies towards the
target product they are on the market.
Benefit-benefit
gained by implementing information technology company in general is a benefit
that can not be measured by money but it can directly support the company's
performance. Because of the many benefits gained good company that can be
measured and that can not be measured with money that can directly support the
company's performance makes the BCA does not consider investments in
information technology as a cost center within the enterprise but rather
considers investment in information technology such as strategic partner
companies in doing business. Implementation in the field of information
technology also makes the process in which the company becomes more controlled.
The
success of Bank Central Asia (BCA) in investing in information technology which
can be seen from the value of assets and number of customers that continue to
increase. This condition makes the nation's banks, both private and government
property which had been hesitant to invest in information technology to become
interested to invest when the successful implementation in the field of
information technology within the same system in one company is not necessarily
going to get the same success although both companies are engaged in the same
industry.
The
different needs that exist in every company that makes investment success
successful information technology in one company may not be successful in
similar companies, this is because in making investment in information
technology is not located on the "what" but rather focuses on
"how "So the information technology systems that can run in the BCA
is not necessarily able to run on other banks. This is because each company
must have its own knowledge and must be adapted to the circumstances of the
company itself (Sudarmadi / Abraham Susanto, Swasembada Magazine No 24 of
2004).
Benefits
of Information Technology Investments
As
for the gains the company by investing in information technology include:
¨ Ease
of control of companies
Implementation
of information technology like ERP that has been carried out by BCA make
existing systems in the enterprise is integrated. This condition would be
easier for companies to know the progress of the business at any time since the
data in the system is an online data and up to date as the companies will be
able to know the daily activities of each department and branch offices. This
condition would be easier for companies to hand over control to avoid the
errors in business processes, and if an error has occurred can immediately know
the company so that the company can minimize its loss.
¨
Increase Productivity
Implementation
of Enterprise Resource Planning (ERP) in the BCA cause the performance of the
company be increased. This is because penguunaan these technologies can create
speed in work and also provide a level of akurasian high enough it will
certainly be able to improve peroduktivitas companies due to the level of the
working speed is high the company will gain more output in this case the
company with the resources remain will be able to serve customers in larger
quantities even with the use of this technology the company can reduce its
resources but the output or the number of customers served increased.
¨
Ease in planning strategy
Enterprise
Resource Planning (ERP) is an integrated system so that all existing data in
every department and branch offices can be integrated, this condition would be
easier for companies to determine the condition of the company in detail so
that the information obtained will be more complete. Detailed information will
be able to assist the company in planning its business in the future that
ultimately this information will also assist companies in planning strategy.
V. Conclusions and Recommendations
We
have already seen how the ERP system working at Bank BCA, now we will compare
how or what system is used by another bank, in this case we take the example : Bank
Mandiri
BANK BCA
|
BANK MANDIRI
|
Investments
in information technology that greatly affect business processes BCA becomes
more profitable the company is investing in Enterprise Resource Planning
(ERP). This is because the use of the ERP system can reduce operational costs
and improve productivity. In addition to the decrease in operating costs and
increased productivity of the company, investment integrated system also
allows BCA to see the internal condition of the company and to relinquish
control over branch offices BCA which has spread all over Indonesia ERP has
integrated the data contained in the company accurate and saved from year to
year, this condition makes the company has a history of data that will be
very useful in melakukanforecasting to know the company's development in the
future
|
Destination development of information
technology (IT) in Bank Mandiri is that each customer gets convenience in
transaction, either in Indonesia or abroad. Bank Mandiri requires a system
that is online, real-time and flexible, Therefore, the bank then
mengembangkanDomestic and International Payment System (DIPS). DIPS is used
to support the process of domestic and international payment transactions the
Bank is managed centrally. The objectives and targets of the implementation
of this system is to provide the same service for all products from all
channels to meet customers' needs
|
Based on the above
both BCA and independent alike has its own advantages in terms of technology
utilization, Bank BCA using Enterprise Resource Planning system (ERP) to reduce
operating costs, increase company productivity, and exercise control over the
branch offices of the Bank so that it can provides ease in controlling, while
Bank Mandirimengembangkan domestic and international payment System (DIPS) for
ease in managing the process of domestic and international payment
transactions.
VI. Conclusion
Investment in information technology
is absolutely indispensable for any company or industry even in investing in
information technology the company has had to spend considerable. This is
because the investment has many benefits for companies that may indirectly
increase the performance of the company for the long term in the face of global
competition.
Developments in information
technology affects the human life and it has changed the patterns of social
relations, the economy (business) and politics.
The role of information technology
in the Internet can not be denied in the delivery of global information so that
a certain degree, generalized information technology with the Internet. The
Internet itself is phenomenal emergence as one of the marker poles advancement
of information and communication technology. Internet eliminates all physical
boundaries that separate people and incorporate them in the new world, the
world of "virtual".
Application of information
technology in the Internet enables the development of management information
system has several advantages, including the ease of distributing application
programs, easy and convenient because it can be accessed from anywhere and at
any time, have access to information that is faster, cheaper and better and is
able to lower the cost of the need delivery and dissemination of information.
Application of information
technology in internet banking would improve the efficiency, effectiveness and
productivity while increasing revenue through the sales system that is far more
effective than conventional banks.
The role of information technology
applications is vital in internet banking. Without the application of
information technology in internet banking, internet banking then it will not
work and the internet itself will not work / useful, because the Internet is
running the application of information technology in the Internet itself
(connected).
all banks in Indonesia have now been
providing services in real time on line in the transaction. The role of
technology in the banking world is absolute, where the advancement of a banking
system, of course, supported by the role of information technology. And the
growing complexity of banking facilities were implemented to facilitate the
service, that means more diverse and complex adoption of technology owned by a
bank. Undeniably, in any field, including banks aimed besides the application
of technology to facilitate the company's internal operations, it also aims to
further facilitate services to customers
Bibliography
:
Sistem Informasi Manajemen (Edisi
10) Raymond McLeod Jr dan George P. Schell
Online :
PT BCA Tbk (2014). About BCA. From http://www.bca.co.id/id/about/about_bca_landing.jsp, 27
Mei 2015
PT BCA Tbk (2014). Produk Dan Layanan. From http://www.bca.co.id/id/about/cari-tahu-tentang-bca/produk-dan-layanan/produk-dan-layanan_landing.jsp,
27 Mei 2015
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