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picture1_Technology Pdf 85158 | Mdh   Fintech Ibs June 2017


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File: Technology Pdf 85158 | Mdh Fintech Ibs June 2017
financial technology fintech di indonesia muliamand hadad ph d ketuadewan komisioner ojk kuliahumumtentangfintech ibs jakarta 2 juni 2017 apa itu fintech 2 definisi fintech dari berbagai sumber fitntech weekly pwc ...

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                          Financial Technology 
                        (FinTech) di Indonesia
                             MuliamanD. Hadad, Ph.D
                                    KetuaDewan Komisioner-OJK
                                KuliahUmumtentangFinTech-IBS
                                         Jakarta, 2 Juni 2017
  Apa itu FinTech ?                                                                                        2
                                      Definisi FinTech dari berbagai sumber...
         Fitntech Weekly                    PWC                               Value-Stream
         FinTech is a line of               FinTech is a dynamic              FinTech is the technology 
         business based on using            segment at the                    that serves the clients of 
         software to provide                intersection of the               financial institutions, 
         financial services.                financial services and            covering not only the back 
         Financial technology               technology sectors                and middle offices but also 
         companies are generally            where technology-                 the coveted front office 
         startups founded with              focused start-ups and             that for so long has been 
         the purpose of                     new market entrants               human-driven.
         disrupting incumbent               innovate the products  
         financial systems and              and services currently 
         corporations that rely             provided by the 
         less on software                   traditional financial             Kantox-FX
                                            services industry.                FinTech is  a contraction of 
        Arneret al. (2015)                                                    "finance" and "technology" 
        FinTech refers to the use                                             - refers to companies that 
        of technology to deliver                                              provide financial services 
        financial solutions.                                                  through the engagement of 
                                                                              technology
  Apa itu FinTech ?                                                                              3
                  Disruptive Innovation
     Sebuah inovasi berhasil mentransformasi suatu sistem atau pasar yang eksisting, 
     dengan memperkenalkan kepraktisan, kemudahan akses, kenyamanan, dan biaya 
     yang ekonomis, dikenal sebagai Inovasi Disruptif (Disruptive Innovation).
     Istilah ini dilontarkan pertama kalinya oleh Clayton M. Christensen dan Joseph Bowerdi tahun 1995 
     lalu. "Disruptive Technologies: Catching the Wave", Harvard Business Review (1995).
     Inovasi Disruptif ini biasanya mengambil segmen pasar tertentu yang 
     kurangdiminatiataudianggapkurangpentingbagipenguasapasar,               Bill Gates (1994) 
     namuninovasinyabersifatbreakthrough danmampumeredefinisi                “..banking is 
     sistem atau pasar yang eksisting.                                       necessary, banks are 
     MunculnyaInovasiDisruptifjikatidak diantisipasi denganbaik oleh         not..”,
     duniausahadapatmenyebabkankejatuhanseperti yang dialami                 Ini menggambarkan
     KODAK dan NOKIA.                                                        bahwadi masa depan
     FenomenaInovasiDisruptifjugaterjadidi IndustriJasaKeuangan              industri perbankan
                                                                             akanbergerakkearah
     yang telah men-disrupsi landscapeIndustriJasa Keuangan secara           virtual banking tanpa
     global. Mulai dari struktur industrinya, teknologi intermediasinya,     kehadiranbank 
     hinggamodel pemasarannyakepadakonsumen. Keseluruhan                     secarafisik..
     perubahaninimendorongmunculnyafenomenabaruyang disebut
     Financial Technology(Fintech)
  Mengapa FinTech?                                                                                4
                                                  Masyarakat tidak dapat dilayani 
                                                  industri keuangan tradisional:
                                                  •  Perbankan terikat aturan yang ketat
                                                  •  Keterbatasan industri perbankan 
                                                     dalam melayani masyarakat di daerah 
                                                     tertentu
                                                  Masyarakat mencari alternatif 
                                                  pendanaan selain jasa industri 
                                                  keuangan tradisional:
                                                  •   Masyarakat memerlukan alternatif 
                                                      pembiayaan yang lebih demokratis 
                                                      dan transparan
                                                  •   Biaya layanan keuangan yang efisien 
                                                      dan menjangkau masyarakat luas
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...Financial technology fintech di indonesia muliamand hadad ph d ketuadewan komisioner ojk kuliahumumtentangfintech ibs jakarta juni apa itu definisi dari berbagai sumber fitntech weekly pwc value stream is a line of dynamic the business based on using segment at that serves clients software to provide intersection institutions services and covering not only back sectors middle offices but also companies are generally where coveted front office startups founded with focused start ups for so long has been purpose new market entrants human driven disrupting incumbent innovate products systems currently corporations rely provided by less traditional kantox fx industry contraction arneret al finance refers use deliver solutions through engagement disruptive innovation sebuah inovasi berhasil mentransformasi suatu sistem atau pasar yang eksisting dengan memperkenalkan kepraktisan kemudahan akses kenyamanan dan biaya ekonomis dikenal sebagai disruptif istilah ini dilontarkan pertama kalinya ol...

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