{"id":3018,"date":"2022-09-29T11:06:16","date_gmt":"2022-09-29T04:06:16","guid":{"rendered":"https:\/\/linebank.co.id\/blog\/?p=3018"},"modified":"2022-09-29T11:06:18","modified_gmt":"2022-09-29T04:06:18","slug":"perbedaan-digital-banking-mobile-banking","status":"publish","type":"post","link":"https:\/\/linebank.co.id\/blog\/finansial\/perbedaan-digital-banking-mobile-banking\/","title":{"rendered":"Perbedaan Digital Banking & Mobile Banking"},"content":{"rendered":"\n
\"Digital<\/figure>\n\n\n\n

Perbedaan Digital Banking & Mobile Banking <\/strong>– Sobat LINE Bank, seiring dengan perkembangan teknologi informasi yang semakin pesat, industri perbankan terus melakukan inovasi dan digitalisasi guna meningkatkan kualitas produk dan layanan. <\/p>\n\n\n\n

Inovasi harus selalu dilakukan untuk mempermudah segala kebutuhan, sekaligus menjamin rasa aman dan nyaman bagi para nasabah. Diantaranya adalah digital banking<\/em> (bank digital) dan mobile<\/em> banking (m-banking). <\/p>\n\n\n\n

Dengan menggunakan layanan fintech<\/em> (financial technology<\/em>) ini, kita tidak perlu lagi repot pergi ke bank untuk mendapat layanan keuangan. Hal ini karena transaksi keuangan bisa dilakukan dimanapun dan kapanpun dari gadget <\/em>masing-masing.<\/p>\n\n\n\n

Tujuannya memang sama yaitu untuk memudahkan segala kebutuhan, tapi taukah bahwa sebenarnya digital banking <\/em>dan mobile banking <\/em>adalah dua layanan yang berbeda. Agar lebih memahami perbedaan keduanya, berikut rangkumannya :<\/p>\n\n\n\n

Digital Banking<\/em><\/strong> (Bank Digital)<\/strong><\/h2>\n\n\n\n

Digital banking\u00a0<\/em>adalah salah satu bank yang tidak memiliki kantor fisik atau seratus persen online. <\/strong>Adapun kantor\u00a0digital banking\u00a0<\/em>berada di dalam aplikasi itu sendiri. Itu sebabnya\u00a0bank digital\u00a0<\/em>mengharuskan calon nasabah dan nasabahnya memperoleh informasi dan melakukan komunikasi, registrasi, pembukaan rekening, transaksi perbankan, pengajuan pinjaman, melakukan penarikan uang (secara\u00a0online<\/em>) hingga penutupan rekening secara digital. <\/p>\n\n\n\n

Selain itu karena tidak memiliki layanan offline<\/em> sama sekali, <\/em>maka biaya operasional yang dikeluarkan menjadi lebih rendah. Karena bank yang bersangkutan tidak perlu menyewa kantor khusus.<\/p>\n\n\n\n

Di Indonesia salah satu digital banking <\/em>yang telah beroperasi,<\/em> adalah LINE Bank dari Bank KEB Hana Indonesia. <\/strong><\/p>\n\n\n\n

Baca juga : Cara membuka Rekening LINE Bank 2022<\/a><\/strong><\/p>\n\n\n\n

Mobile Banking <\/em><\/strong>(M-Banking<\/em>)<\/strong><\/h2>\n\n\n\n

Sedangkan\u00a0<\/em>layanan\u00a0mobile banking\u00a0<\/em>tetap memiliki kantor fisik untuk mengelola \u00a0transaksi perbankan.\u00a0Mobile banking<\/em>\u00a0merupakan salah satu layanan yang dimiliki oleh bank tertentu. <\/strong><\/p>\n\n\n\n

Itu sebabnya setelah kamu mendownload <\/em>aplikasi layanan mobile banking<\/em>, kamu harus terlebih dulu mendaftar dengan mendatangi kantor cabang bank. Pihak bank akan memberikan format SMS yang harus kamu kirim untuk verifikasi. Lalu, akan diminta pula memasukkan identitas dan password<\/em> yang akan digunakan seterusnya saat mengakses layanan perbankan. Untuk keamanan transaksi, mobile banking<\/em> umumnya menerapkan sistem one-time password <\/em>(OTP) yang dikirim via SMS ke ponsel nasabah. Sistem ini  hanya berfungsi pada kartu SIM yang telah didaftarkan.<\/p>\n\n\n\n

Terdapat beberapa layanan di dalam satu mobile banking<\/em>, biasanya mencakup transfer online<\/em> (tanpa perlu ke ATM), belanja online, top up <\/em>saldo e-wallet<\/em> dan lain-lain. Beberapa mobile banking <\/em>juga dilengkapi dengan fitur cardless cash withdrawal, <\/em>yang dapat menjadi solusi untuk menghindari kejahatan skimming di ATM. <\/em><\/p>\n\n\n\n

Nah Sobat LINE Bank sekarang sudah paham kan akan keduanya? Keduanya sama saja manfaatnya untuk memudahkanmu bertransaksi! Tapi untukmu yang memiliki kesibukan yang padat, kamu bisa lho mencoba digital banking LINE Bank!<\/p>\n\n\n\n

Jika kamu mau mencoba bertransaksi menggunakan LINE Bank Kamu bisa bisa diunduh di sini\u00a0<\/a>bagi yang belum punya Ya!<\/p>\n\n\n\n

Baca juga : Kelebihan dan kekurangan Internet Banking<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Perbedaan Digital Banking & Mobile Banking – Sobat LINE Bank, seiring dengan perkembangan teknologi informasi yang semakin pesat, industri perbankan terus melakukan inovasi dan digitalisasi guna meningkatkan kualitas produk dan layanan. Inovasi harus selalu dilakukan untuk mempermudah segala kebutuhan, sekaligus menjamin rasa aman dan nyaman bagi para nasabah. Diantaranya adalah digital banking (bank digital) dan mobile banking (m-banking).  Dengan […]<\/p>\n","protected":false},"author":3,"featured_media":3019,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[12],"tags":[891,249,1026],"ppma_author":[838],"class_list":["post-3018","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansial","tag-digital-banking","tag-finansial","tag-mobile-banking"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"yoast_head":"\nPerbedaan Digital Banking & Mobile Banking | LINE Bank Blog<\/title>\n<meta name=\"description\" content=\"Taukah kamu bahwa\u00a0digital banking\u00a0dan\u00a0mobile banking\u00a0adalah dua layanan yang berbeda? 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