{"id":2783,"date":"2022-09-15T11:10:26","date_gmt":"2022-09-15T04:10:26","guid":{"rendered":"https:\/\/linebank.co.id\/blog\/?p=2783"},"modified":"2022-09-15T11:10:29","modified_gmt":"2022-09-15T04:10:29","slug":"internet-banking-apasih-kelebihan-kekurangannya","status":"publish","type":"post","link":"https:\/\/linebank.co.id\/blog\/finansial\/internet-banking-apasih-kelebihan-kekurangannya\/","title":{"rendered":"Internet Banking? Apasih Kelebihan &#038; Kekurangannya"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/linebank.co.id\/blog\/wp-content\/uploads\/2022\/09\/istockphoto-1049658918-170667a.jpg\" alt=\"Internet Banking\" class=\"wp-image-2837\"\/><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>Internet banking adalah layanan\u00a0<em>online<\/em>\u00a0perbankan yang beroperasi menggunakan teknologi internet.<\/strong><\/p><\/blockquote>\n\n\n\n<p>Tujuannya untuk memudahkan nasabah melakukan transaksi, mulai dari transfer,&nbsp;cek saldo hingga melakukan pembayaran cicilan.<\/p>\n\n\n\n<p>Nah, biasanya akses internet banking juga hanya memerlukan smartphone atau laptop, dengan koneksi data internet.<\/p>\n\n\n\n<p>Tak hanya itu, layanan ini juga gratis, tanpa biaya dan mudah serta praktis digunakan.<\/p>\n\n\n\n<p>Nah setelah mengerti dengan pengertian internet banking, maka mari simak kelebihan dan kekurangan internet banking. Yuk disimak!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kelebihan Internet Banking<\/h2>\n\n\n\n<p>Internet banking merupakan sebuah inovasi, tentu saja keberadaannya akan memberikan manfaat yang memudahkan semua orang.<\/p>\n\n\n\n<p>Jika sebelumnya orang harus pergi ke teller bank untuk melakukan transaksi atau menggunakan ATM atau mesin EDC, sekarang hanya dengan ponsel bisa melakukannya.<\/p>\n\n\n\n<p>Jadi, apa saja manfaat kelebihan dari internet banking?<\/p>\n\n\n\n<p><strong>1. Praktis dan Gratis<\/strong><\/p>\n\n\n\n<p>Nasabah bisa menghemat waktu dan biaya dalam melakukan transaksi perbankan.<\/p>\n\n\n\n<p>Tentu hal ini sangat cocok, terlebih dengan adanya kesibukan masyarakat yang semakin tinggi, terutama di kota besar.<\/p>\n\n\n\n<p>Transaksi juga bisa dilakukan secara fleksibel, kapan pun, di mana pun.<\/p>\n\n\n\n<p><strong>2. Lebih Efisien<\/strong><\/p>\n\n\n\n<p>Nasabah bisa melakukan transaksi keuangan yang lebih banyak, mengatur serta membuat jadwal transaksi dalam satu waktu.<\/p>\n\n\n\n<p><strong>3. Bank Lebih Hemat Biaya Operasional<\/strong><\/p>\n\n\n\n<p>Tentu saja, bank yang memiliki sistem informasi teknologi dan internet banking akan lebih hemat biaya operasionalnya karena tak perlu membuka cabang lebih banyak.<\/p>\n\n\n\n<p><strong>4. Bisa Melakukan Transaksi untuk Kebutuhan sehari-hari<\/strong><\/p>\n\n\n\n<p>Kamu bisa membeli token listrik, pulsa, paket data hingga membayar&nbsp;tagihan kartu kredit, internet bahkan telpon hanya melalui ponsel.<\/p>\n\n\n\n<p><strong>5. Cepat Membuka Rekening &amp; Ajukan Pinjaman<\/strong><\/p>\n\n\n\n<p>Ada beberapa bank yang memiliki fasilitas pembukaan rekening tabungan, tabungan berjangka, hingga&nbsp;deposito&nbsp;melalui internet banking.<\/p>\n\n\n\n<p>Bahkan, ada juga lho yang memiliki fasilitas pengajuan pinjaman.<\/p>\n\n\n\n<p><strong>6. Cek Nilai Tukar Mata Uang<\/strong><\/p>\n\n\n\n<p>Kalau kamu berencana menukar rupiah ke dollar USD atau mata uang lainnya, bisa melihat berapa nilai tukar yang berlaku.<\/p>\n\n\n\n<p><strong>Baca Juga:&nbsp;<a href=\"https:\/\/linebank.co.id\/blog\/finansial\/apa-itu-deposito\/\">Apa itu deposito dan manfaat investasi deposito<\/a><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kekurangan Internet Banking<\/h3>\n\n\n\n<p><strong>1. Potensi Adanya Cyber Crime<\/strong><\/p>\n\n\n\n<p>Di internet ada yang namanya kejahatan cyber berupa pencurian data oleh hacker, nasabah perlu waspada dengan adanya hal ini.<\/p>\n\n\n\n<p>Data nasabah yang ada di&nbsp;<em>e-banking<\/em>&nbsp;bisa dicuri oleh kejahatan hacker jika ada keteledoran.<\/p>\n\n\n\n<p>Maka dari itu, nasabah harus menggunakan layanan ini sesuai prosedur yang berlaku jadi bisa lebih aman.<\/p>\n\n\n\n<p>Lalu, pihak bank pun juga harus rajin mengawasi dan merawat infrastruktur teknologi informasi dari perbankan.<\/p>\n\n\n\n<p><strong>2. Rawan Kejahatan Online<\/strong><\/p>\n\n\n\n<p>Adapun, kejahatan online yang rawan terjadi adalah modus seperti&nbsp;skimming,&nbsp;<a href=\"https:\/\/www.niagahoster.co.id\/blog\/mengatasi-phishing\/\" target=\"_blank\" rel=\"noreferrer noopener\">phising<\/a>, hingga penawaran hadiah palsu.<\/p>\n\n\n\n<p>Nah, maka dari itu, jika kamu mendapatkan telepon, pesan atau email perihal undian tidak masuk akal atau iklan menggiurkan sebaiknya jangan langsung percaya.<\/p>\n\n\n\n<p><strong>3. Bisa Terkena Malware\/Virus<\/strong><\/p>\n\n\n\n<p>Kamu bisa terkena serangan virus, jika menggunakan koneksi internet yang tidak aman.<\/p>\n\n\n\n<p>Selain itu, kalau kamu menggunakan koneksi VPN gratisan atau Wi-Fi publik, juga bisa&nbsp;<em>lho<\/em>&nbsp;terkena Malware\/Virus tersebut.<\/p>\n\n\n\n<p>Selain itu, pastikan kamu juga sudah memiliki software antivirus\/antimalware agar terhindar dari&nbsp;<em>cracking<\/em>.<\/p>\n\n\n\n<p><strong>4. Terjangkau untuk Diakses di Daerah Terpencil<\/strong><\/p>\n\n\n\n<p>Internet banking tidak bisa diakses, jika suatu daerah memiliki koneksi internet yang rendah.<\/p>\n\n\n\n<p>Nah, di Indonesia sendiri, nyatanya masih ada beberapa daerah yang belum memiliki sinyal internet kuat, sehingga tentu akan sulit jika melakukan transaksi melalui&nbsp;<em>online<\/em>.<\/p>\n\n\n\n<p>Nah setelah melihat informasi di atas, diharapkan kamu bisa lebih paham akan internet banking dan cara aman menggunakannya.<\/p>\n\n\n\n<p>Di era digital seperti sekarang, tidak hanya perihal transaksi finansial sehari-hari saja yang bisa dilakukan secara online, tetapi kalau kamu ingin mengembangkan dana juga bisa lho hanya melalui ponsel.<\/p>\n\n\n\n<p>Caranya?<\/p>\n\n\n\n<p>Cobain fitur deposito dari LINE Bank! Banyak untungnya lho! Dengan membuka Deposito sekarang akan mendapatkan CASHBACK Rp 500.000,- ditambah bunga yang didapat sebesar 4,5%. Menarik kan? Jika kamu tertarik untuk melakukan deposito, kamu dapat melakukannya <a href=\"https:\/\/linebank.onelink.me\/gGB7\/d0qrzswz\">di&nbsp;sini<\/a>. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Internet banking adalah layanan\u00a0online\u00a0perbankan yang beroperasi menggunakan teknologi internet. Tujuannya untuk memudahkan nasabah melakukan transaksi, mulai dari transfer,&nbsp;cek saldo hingga melakukan pembayaran cicilan. Nah, biasanya akses internet banking juga hanya memerlukan smartphone atau laptop, dengan koneksi data internet. Tak hanya itu, layanan ini juga gratis, tanpa biaya dan mudah serta praktis digunakan. Nah setelah mengerti [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":2837,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[12],"tags":[893,891,890],"ppma_author":[838],"class_list":["post-2783","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansial","tag-banking","tag-digital-banking","tag-internet-banking"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Internet Banking? Apasih Kelebihan &amp; Kekurangannya<\/title>\n<meta name=\"description\" content=\"Dijaman yang serba modern ini internet banking sangat berguna. Namun apasih pengertian, kelebihan dan kekurangan internet banking? 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