Perancangan sistem informasi branchless banking menggunakan teknologi ussd di pt.bank rakyat indonesia

PT. Bank Rakyat Indonesia (BRI) introduced branchless banking service called BRILink. BRILink provides online banking service through Electronic Data Capture (EDC) and web-based application using internet connection as the communication medium. The weakness of EDC lies in the required effort for the device to be carried around for transactions. This research aims to build conceptual design of BRI branchless banking information system based on mobile application using Unstructured Supplementary Service Data (USSD) technology with Global System for Mobile Communications (GSM) network by cellular phone in order to enhance wider access to customers. All data used in this research are primary gained through interview method with certain criteria (purposive sampling). Respondent selection is based on functions in the organizational structure of BRI and users of BRI branchless banking. The data collection was performed in September 2017. In terms of system development, this research uses System Development Life Cycle (SDLC) with prototyping. This method is used to determine the information system qualified for users and to simplify the measurement of needs and result expectations. The findings in this research demonstrate that the information system conceptual design is built based on functional needs in order to boost the existing processes. This plan is made conforming to the urgencies of BRI as the initial step to implement new transaction channel suitable with targeted market of officeless financial services. The result of this research may be utilized by BRI as Company’s decision maker to improve its branchless banking in order to increase users by customizing the system with branchless banking target market to gain more profit through fee-based income received as well as the contraction of operational load by dismissing EDC provision fee for customer’s transaction activity