Sementara itu, terkait dengan penerapan manajemen risiko TI, BNI telah memenuhi ketentuan Bank Indonesia PBI 9/15/2007.
Proses reorientasi BNI menuju “Customer Centric” yaitu proses yang berorientasi pada nasabah terus dilakukan dengan mengacu pada Rencana strategik TI 2009-2013 dengan tetap melibatkan divisi TI serta semua unit pengguna TI. Melalui Rencana Strategik ini, agenda-agenda baru BNI disusun berdasarkan uraian peta perjalanan (RIM) implementasi BNI dalam membangun fondasi teknologi. Sedangkan melalui dokumen acuan IT Guiding Principles yang dimiliki BNI, proses pengambilan keputusan yang bersifat teknis dan kepastian pengembangan teknologi berbasis Service Oriented Architecture (SOA) dapat dipercepat sehingga dapat mempersingkat proses pengembangan produk ke pasar serta menjamin tingkat layanan yang prima di seluruh organisasi BNI.
Pencapaian-pencapaian Penting 2010
Selama tahun 2010, banyak kemajuan signifikan yang dicapai di berbagai bidang sesuai dengan target-target yang telah ditetapkan dalam dokumen peta perjalanan
Meanwhile, related to the implementation of IT risk management, BNI has also complied with Bank Indonesia’s regulation, PBI 9/15/2007.
The process of BNI’s reorientation toward
“Customer Centric”, a process that puts customers as its first priority, has been continuously performed by referring to strategic IT plan 2009-2013 and involving the IT division as well as all IT users. Through this strategic plan, BNI’s new initiatives were formulated based on the road map of BNI’s implementation in developing IT platform. Meanwhile, through IT Guiding Principles, the technical decision – making processes and certainty on technology development based on a service oriented architecture (SOA), was accelerated hence can shorten the time needed to develop products and ensure the attainment of a superior level of services throughout the organization.
2010 key achievements
During 2010, BNI managed to achieve much progress in many aspects according to targets set in BNI’s IT roadmap. Financial Review Business Review Corporate Social Responsibility Good Corporate Governance Functional Review Corporate Data
Berbagai perkembangan produk dan fitur baru terus diluncurkan melalui Electronic Channel BNI diantaranya pengembangan fitur di ATM, EDC Banking serta SMS & internet banking sehingga dapat terus memberikan pelayanan yang aman, cepat dan nyaman. Sebanyak 1.001 mesin ATM baru dipasang di tahun 2010 sehingga di akhir 2010 jaringan ATM BNI berjumlah 5.004 mesin ATM. BNI juga didukung oleh lebih dari 16.000 ATM Link serta lebih dari 25.000 ATM bersama yang tersebar di seluruh Indonesia.
BNI juga mengembangkan program fast cash
yaitu pengambilan uang tunai dengan cepat tanpa cetak bukti transaksi. Fitur top up PLN prepaid juga dikembangkan guna mendukung program pemerintah melalui PLN pada program listrik prabayar.
Nasabah juga dimudahkan dengan terus
dikembangkannya fitur SMS dan Internet Banking
diantaranya BNI SMS menu yang memudahkan nasabah melakukan transaksi SMS Banking. Untuk memberikan rasa aman dan nyaman, penambahan fitur transfer dengan konfirmasi juga dapat dinikmati para nasabah. Rasa aman semakin dirasakan nasabah dengan digunakannya 6 digit PIN SMS Banking sesuai aturan Bank Indonesia mengenai pengamanan transaksi.
Dengan PT Pos Indonesia, BNI bekerja sama dengan menambah channel paying agent untuk melakukan transaksi remittance, dimana paying agent dapat menggunakan Internet Banking Remittance sebagai portalnya. BNI juga menyediakan BNI Smart Trade Portal, portal yang digunakan untuk transaksi trade
seperti LC, Bank Garansi dll secara online.
Komitmen BNI dalam pengembangan jaringan perbankan elektronik telah berhasil meningkatkan rasio transaksi cabang dan transaksi elektronik dari 40,58% berbanding 59,42% di tahun 2009 menjadi 35,73% berbanding 64,27% di tahun 2010.
Sistem pendukung keputusan (decision support system) terus disempurnakan guna membantu meningkatkan efektivitas proses pengambilan keputusan yang dapat memberikan dukungan pada aktivitas-aktivitas cash prediction report, cash forecasting, performance measurement system, financial information management assessment, customer data integration, customer relationship Teknologi Informasi
Information Technology
Various new products and features were introduced within BNI’s comprehensive e-channel, which include the development of features at ATMs, EDC banking as well as SMS & Internet Banking. These will provide secure, fast and convenient banking experiences for the customers. 1,001 new ATM machines were installed during the year, thus bringing the Bank’s total ATMs to 5,004 ATMs by the end of the year. BNI was also supported by more than 16,000 link ATMs and more than 25,000 ATM Bersama network located throughout Indonesia.
BNI also offer a fast cash program, a paperless cash withdrawal. PLN top up features were also developed to support the government program on prepaid electricity payments.
BNI also developed SMS and Internet banking features which include SMS menus to allow customers to perform SMS banking transactions easily. Furthermore, customers can also enjoy transfer features with confirmation. To enhance the safety level, a 6 digit PIN for SMS banking was introduced to conform with Bank Indonesia’s regulation on safety transactions.
BNI formed cooperation with PT Pos Indonesia by adding channel paying agents to support remittance transactions, whereby these agents can use internet banking remittance as the portal. BNI also provided an online BNI smart trade portal which supports online trading transactions like LC and Bank Guarantees.
BNI’s commitment in developing the e-channel network has successfully increased the ratio of branch transactions and electronic transactions from 40.58% vs 59.42% in 2009 to 35.73% vs 64.27% in 2010.
A decision support system has continuously been enhanced to help improve effectiveness in the decision making process. This provides support on initiatives like cash prediction reports, cash forecasting, performance measurement systems, financial information management assessments, customer data integration, customer relationship management and risk management systems.
Pengembangan berbagai fitur berbasis teknologi yang lain juga dilakukan di tahun 2010, baik untuk mendukung pertumbuhan dana pihak ketiga yang stabil maupun meningkatkan pendapatan fee.
Melanjutkan keberhasilan peluncuran perdana sistem pembayaran prepaid,contactless berbasis smart card
di bulan Maret 2009, kartu prepaid kembali diluncurkan untuk mendukung traksaksi pembelian tiket pada
event Java Jazz di bulan Maret 2010. BNI juga bekerja sama dengan beberapa merchant (Alfamart) untuk melakukan transaksi tarik tunai, pembayaran, pembelian, inquiry saldo dan transfer.
Untuk mendukung pemerintah dalam hal pelaksanaan Ibadah haji, di tahun 2010 juga telah diluncurkan BPIH online yaitu Biaya Penyelenggaraan Ibadah Haji dengan Departemen Agama sehingga nasabah/calon haji lebih tenang karena dapat melakukan pendaftaran nomor kursi secara online.
Di sektor pendidikan, Program Student Payment Center terus dikembangkan dengan menambah fitur dan jumlah universitas/institusi pendidikan yang bekerja sama dengan BNI di bidang pembayaran biaya pendidikan ataupun biaya seleksi penerimaan mahasiswa baru. Student Payment Center ini didukung dengan peningkatan arsitektur interkoneksi secara H2H antara Bank dengan institusi pendidikan.
Sementara itu, dalam rangka berpartisipasi dalam meningkatkan kesejahteraan masyarakat, BNI telah mengembangkan aplikasi Dana Pensiun BNI dengan menggunakan teknologi terbaru yang lebih handal.
BNI melakukan kerja sama dengan salah satu BUMN terbesar di Indonesia yaitu Pertamina dengan mendukung program Auto collection Pertamina, yang ditujukan untuk mengurangi pekerjaan manual, dan pada akhirnya meminimalkan human error khususnya dalam proses pembayaran produk-produk Pertamina dari pelanggan.
Bagi para nasabah korporasi, BNI menawarkan berbagai kemudahan transaksi berbasis teknologi untuk memenuhi kebutuhan manajemen dengan mengembangkan enterprise rekon, implementasi SWIFT Enterprise Application Integrator, implementasi
SWIFT alliance Gateway, otomasi transaksi restocking
& transaksi acquirer, RTGS Bulk, otomasi transaksi retur kliring & penerbitan bank garansi termasuk pengembangan aplikasi market risk management.
The development of other technology-based features was also carried out in 2010, both to support stable growth in third party funds as well as to strengthen fee based income.
Following the success of the initial launching of BNI’s new prepaid contactless smart card in March 2009, the new prepaid card was reintroduced to support ticket payment transactions at Java Jazz in March 2010. BNI also cooperated with merchants like Alfamart to perform banking transactions such as cash withdrawal, payment, purchase, balance inquiry and transfer.
To support the government in smoothing the hajj program, the Bank has launched BPIH online in 2010, which manages costs for joining a hajj program in cooperation with the Ministry of Religious Affairs. With such cooperation, customers who want to join a hajj program can register their seat number online. In the education sector, BNI continued to develop its student payment center by adding more features and expanding the number of education institutions it works with, both to support the payment of tuition fees and registration fees for new students. This center has been supported by improvement in the H2H interconnection architecture between the Bank and the institutions.
Meanwhile, to contribute to the social welfare, BNI has developed application for BNI Pension fund by utilizing the latest and more reliable technology.
BNI also formed cooperation with one of the largest state owned enterprises, Pertamina, by supporting its Auto Collection program. This program was intended to reduce the amount of manual works and in turn minimize human errors, particularly in the payment process for Pertamina’s products from customers.
For corporate customers, BNI offers various technology-based services to support management needs by developing enterprise recon, implementing SWIFT Enterprise Application Integrator, adopting SWIFT alliance gateway, automating restocking and acquirer transactions, RTGS Bulk, automating return clearing transaction and bank guarantee issuance, including the development of market risk management applications. Financial Review Business Review Corporate Social Responsibility Good Corporate Governance Functional Review Corporate Data
Guna mendukung peraturan Bank Indonesia dalam menerapkan standar akuntansi baru, BNI juga telah mengembangkan program PSAK 50 & 55 sehingga BNI telah memiliki standar akuntansi sesuai dengan yang ditetapkan oleh Bank Indonesia.
Pelayanan optimal yang diberikan BNI didukung oleh pengembangan teknologi yang handal seperti pengembangan Customer Data Integration Phase
1, upgrade kapasitas mesin pendukung SOA, penambahan service & channel service baru di SOA, pengembangan transaksi monitoring tools serta card management system.
Untuk memenuhi tuntutan atas sistem yang handal yang beroperasi selama 7x24 jam, BNI juga berhasil meraih kemajuan di sektor infrastruktur teknologi, baik melalui proses penyempurnaan sistem yang berkesinambungan maupun investasi di bidang piranti keras, jaringan dan fasilitas disaster recovery. Dalam rangka mencapai target efisiensi operasional, BNI telah melakukan berbagai upaya peningkatan efisiensi sistem, standarisasi teknologi serta meluncurkan sistem spin off BNI Syariah serta Switch Over DRC untuk mendukung peraturan Bank Indonesia dalam hal kesiapan menghadapi bencana. Kemampuan dan kekuatan teknologi terus ditingkatkan dengan meningkatkan kemampuan dan kinerja untuk aplikasi BNI Internet Banking, SMS Banking dan E-channel Transaction Security Server.
Di tahun 2010 juga dilakukan upgrade availability untuk akses internet, baik untuk transaksi dan non transaksi dengan menggunakan beberapa provider komunikasi yang berbeda dengan konfigurasi redundant/saling
back up. Kenyamanan layanan juga didukung oleh penambahan jaringan internet internasional sebesar 50 MB dan jaringan internet lokal sebesar 100 MB untuk mendukung kinerja internet banking. Selain itu, BNI juga telah melakukan upgrade bandwidth di beberapa jaringan cabang baik dalam dan luar negeri serta melakukan migrasi aplikasi rekon ke platform yang lebih handal.
Teknologi Informasi
Information Technology
To support Bank Indonesia’s regulation in implementing new accounting standard, BNI has also developed a PSAK 50 & 55 program hence BNI has already had accounting standard that conformed with Bank Indonesia’s requirements.
Optimal services offered by BNI are supported by reliable technology development such as the development of Customer Data Integration phase 1, the upgrading of SOA architecture machine capacity, the expansion of new service and channel service at SOA, the development transaction of monitoring tools and card management system.
To meet the demand for a reliable system operating 7x24 hours, BNI has made progress on the
technology infrastructure front, through continuous system tuning as well as ongoing investment in the Bank’s hardware, network and disaster recovery facilities. To meet its operational efficiency targets, BNI initiated efforts to enhance system efficiency, technology standardization and launch BNI Sharia spin off as well as switch over DRC to support Bank Indonesia’s regulation in regard to the Bank’s readiness to face any failure in the system. BNI keeps upgrading its technology by improving the ability and performance of BNI internet banking, SMS banking and E-channel transaction security server applications.
In 2010, BNI also upgraded the availability of its internet access for both transactions and non transactions by using different communication providers with a redundant/back up configuration. The expansion of internet for international network by 50 MB and local network by 100 MB were carried out to support internet banking performance, thus providing more convenience to customers. Furthermore, BNI also upgraded the Bandwidth at some of its branches, both local and international as well as migrated recon applications to a more reliable platform.
Prioritas Strategis 2011
Selama tahun 2011, BNI akan terus melakukan inovasi melalui peluncuran produk dan fitur baru berbasis teknologi, terutama di bidang services,Consumer- Retail serta Business Banking.Service dan Consumer- Retail akan dikembangkan dengan menitikberatkan pada pengembangan information architecture yang akan mendukung program-program customer centric, aplikasi multi channel yang akan mempermudah nasabah melakukan transaksi serta pengembangan implementasi Enterprise Fraud Management.
Peningkatan time to market product development
dan kehandalan sistem, enhancement aplikasi-aplikasi
payment system dan membangun ulang sistem yang mendukung manajemen kas ATM serta penambahan fitur transfer ke bank lain juga menjadi perhatian BNI untuk dikembangkan di tahun 2011 untuk meningkatkan Services & Consumer-Retail.
Untuk meningkatkan pelayanan serta kenyamanan kepada nasabah, Business Banking merupakan salah satu prioritas yang akan dikembangkan oleh BNI melalui pengembangan implementasi Trade Innovation Plus, upgrade aplikasi treasury serta terus melakukan penyempurnaan fungsi aplikasi e-trading
dan aplikasi custodian. Migrasi ke SWIFT Net 7 dan pengembangan implementasi filtering prohibited transaction via SWIFT juga akan dilakukan di tahun 2011.
Disamping itu, BNI juga tetap akan meningkatkan kesadaran konversi energi dan lingkungan di masa datang serta mendorong prioritas BNI dalam penerapan Green IT, seperti penggunaan teknologi berenergi rendah serta proses otomasi yang mendorong penghematan penggunaan peralatan kantor yang berasal dari sumber daya alam.
2011 Strategic Priorities
In 2011, BNI will continue innovating by launching new technology-based products and features, particularly in the area of services, Consumer Retail and Business Banking. Services and
Consumer-Retail will be developed by emphasizing information architecture development which will support customer centric programs, multi-channel applications which will assist customers in doing transactions and Enterprise Fraud Management implementation development. Improvement in time-to-market product development and system reliability, enhancement in payment systems application and redevelopment of system to support ATM cash management as well as development of transfer features to other banks will also become the focus of BNI in 2011 to strengthen Services & Consumer- Retail.
Another priority in 2011 will be related to Business Banking to improve services and comfort level of customers. This will be developed through Trade Innovation plus implementation, upgrade of treasury applications, upgrade of e-trading application functions and upgrade of custodian applications. BNI will also migrate into SWIFT Net 7 and develop filtering for prohibited transactions through SWIFT.
Furthermore, BNI will also improve its awareness on energy conservation and environmental preservation in the future and will support BNI’s priorities toward green IT implementation such as the adoption of low energy technology as well as further automation process that support the use of naturally sourced office supplies. Financial Review Business Review Corporate Social Responsibility Good Corporate Governance Functional Review Corporate Data