Ssocial Banking

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Sesi 1

Social Banking : Banking 2.0


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Social Banking : Banking 2.02 of 32

Pada 2010, platform social bankingdiprediksi akan merebut 10%pasarretail lending danfinancial

planning di seluruh dunia

Source : Gartner, 2008

Social Banking Akan MenjadiAncaman Bagi Bank Tradisional


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Social Banking

Kind of Banking 2.0Banking 2.0 in Indonesia?

What

Social Banking


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What is Social Banking? (1)

Social banking is the combination of social trends,such as social entrepreneurship, and peer-to-peer (P2P) lending and financial planning viasocial networks,with banking products andservices.

Gartner, 2008


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Tabungan

Transfer

Deposito Asuransi

Debit & credit card

Kredit

Past Recent

Micro finance

Social lending


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Source : www.readwriteweb.com, 2008

Survey kepada 1000 user Facebook yang berusia 18-34 tahun :

27% responden akan berpindah ke bank lainyangmenawarkan gadget web 2.0 untuk layanan personal

banking.

48% responden akan menggunakan gadget web 2.0jika bank tempat mereka menabung menawarkannya.

Responden pria (55%)lebih tertarikmenggunakangadget web 2.0 dibandingkan wanita (45%).

Responden yang berusia 25-34 tahun (61%) tingkatketertarikannya lebih tinggi dibandingkan responden

yang berusia 18-24 tahun (39%).

Responden akanPindah ke Bank lain

yang menawarkanGadget Web 2.0


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Kredit bunga rendah

Peminjam dikunjungi staf sampai kedesa-desa

Hanya untuk warga miskin dan wanita

Tanpa agunan

Layanan Kredit Mikro Grameencredit


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New Business in Social Banking Rules

Communication shift Social network Socializing & sharing

Back to the old days?


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Web 2.0 Mendorong Munculnya Banking 2.0 (1)

Pengeluaran bank untuk web 2.0 dalam5 tahun kedepan akan meningkat pesat,secara global mencapai $4.6miliar pada 2013

Source : Slideshare, 2008


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Web 2.0 Mendorong Munculnya Banking 2.0 (2)

Series1,

Productvideos, 7%

Series1,Quizzes or

questionnarie

s, 8%

Series1,Discussion

boards/forums, 13%

Series1,Email/RSSalerts, 18%

Series1,Specialoffers/coupon

s, 20%

Series1,Personalized

sites, 20%

Series1,Product/pricecomparison,

21%

Series1,Customer

testimonials,25%

Series1, Userratings/review

, 37%

Source : db research, 2008


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Social Banking


What

Social Banking


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Jenis-Jenis Banking 2.0

There was a time when managing finances from your

computer meant you had to use desktop software.

Today, that's no longer the case. There are now

a number of applications that let you do

your banking in the cloud, a trend we've

dubbed "banking 2.0."

Source : readwriteweb.com

Transfer LendingSaving &

investmentMoney Management


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Transfer

Lending

Saving & investment

Money Management

Contoh Banking 2.0


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Contoh Banking 2.0:Online Money Transfer (1)

User terlebihdahulu membuatakun xoom


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Contoh Banking 2.0:Online Money Transfer (2)

Source: www.Xoom.com, 2008 Flat

Biaya Transfer Xoom Jauh Lebih Murah Dibandingkan dengan Western Union


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Social Lending Menjadi Fenomena Banking 2.0

Hampir responden di UK lebih memilih meminjamatau memberi pinjaman melalui komunitas sociallending daripada melalui Bank

Source: Social Futures Observatory (SRO) Research, 2008

61% responden berpendapat motif bank-bank besarmemberikan pinjaman hanya untuk mencari keuntungansendiri

Source: Social Futures Observatory (SRO) Research, 2008

Aliran dana mengalir melalui peer to peer lending/sociallending services di seluruh dunia sebesar US$ 85 juta

Source: P2P-Banking.com, 2008


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Model Person-to-Person Lending

Rate set by Description Lender Motivation Example

Person-to-person marketplace

True auction Interest rates are set based on competitivebidding by lenders

Maximum rate of return Prosper

Exchange owner Interest rates are set by the exchangeowner/operator to balance demand

Maximum rate of return Zopa (UK)Lending Club

Bank-to-person marketplaceLenders Users complete one application and a set

number of banks receive the lead and makecompeting loan offers

Maximum rate of return Lending Tree

Lenders User select the financial institution theywish to use prior to submitting the finalapplication

Customer acquisitionand/or a good rate ofreturn

Zopa USA;MortgagebotMortgage Marvel

Microfinance (social lending)Exchange owner Interest rates set by the exchange owner,

typically below-market or zero interest,appeals to lenders philanthropic interest

Philanthropic Kiva.org

Source : Online Banking Report, Desember 2007


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Contoh Banking 2.0:Social Lending (1)


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Let the bidding begin Receive your money Make monthly payments

Join prosper1 Create your loan listing2

4 53


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Source: andrewchenblog, 2008

User Prosper Terus Mengalami Peningkatan


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Contoh Banking 2.0:Saving and Investment (1)

User dapat menentukan tujuannya menabung, besarnya total tabungan yang diinginkan dankapan tabungan itu dibutuhkan Fasilitas account public sehingga keluarga dan kerabat user dapat ikut berkontribusi

www.smartypig.comSmartypig, Online Saving Account


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Menabung setiap bulan

Contoh Banking 2.0:Saving and Investment (2)

Menentukan total tabunganyang ingin dicapai dan tujuan

menabung

Memberikan informasi kepadakeluarga/teman untuk ikut

berkontribusi dalam akun smartypig

Total tabungan

tercapai dan menerimatabungan


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Contoh Banking 2.0:Money Management (1)

www.mint.com

Gambar menyeluruhakun-akun dalam satu

web site web

Tool untuk

menyusun anggaran24/7 proteksi keuangan


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Mint Geezo

General characteristicUser friendly but difficult toidentity to which bank thetransaction belongs

Transaction are listed undereach account and morereadable than Mint

UsabilityAdd tags to the transactionautomatically

Simple to use, yet powerful.

Automatic Account Updates Yes Yes

Downloads to cell phone Receive mobile alertsProvides support to downloadthe transactions to your

mobile device

Networking with users No Yes



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Dari Mana Provider Memperoleh Revenue?

Dari subscription (fitur yang ditawarkan lebih advance)

Venture fund

Pinalti pinjaman pelanggan Origination fees (0.75% sd 3.00%) oleh peminjam (sumber: Lending

Club.)

1% dari saham (note) lender (sumber: Lending Club.)

Banking2.0


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Banking 2.0 Masih Banyak Mengandung Risiko

Pendapat user Zopa mengenai risiko penggunaan Social Lending

Significant Risk Zopa Lenders Zopa Borrowers

The loan will not provide a return/ thelender will demand quicker repayment 10% 10%

I will not receive my 2% bonus

18% -The organisation will go bankrupt 8% 10%

The organisation will disappear withmy money

7% 8%

The website is not secure and private 7% 10%

The organisation will lose itscompetitive edge

31% 25%

Source: Internet Based Social Lending: Past, Present, Future


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Perlindungan Terhadap Layanan Banking 2.0

The Federal Deposit Insurance Corporation (FDIC)preserves and promotes public confidence in the U.S.financial system byinsuring deposits in banks and thriftinstitutions for at least $250,000; byidentifying,monitoring and addressing risks to the depositinsurance funds; and by limiting the effect on the economy

and the financial system when a bank or thrift institutionfails.

Account Smartpig Disimpan di West Bank

dan Dilindungi oleh FDIC (Federal Deposit Insurance Corporation)

http://www.smartypig.com/security

http://uk.zopa.com


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Social Banking


What

Social Banking


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InternetAkses

TrustedSociety

Provider

yangCredible

Syarat

Mudah

Benefit

Social Banking di Indonesia akan Sukses?

Key SuccessFactor

Tarif semakin turunDemand terus naik

Mulai darifamilyand friend?

Security?

Tidak disalahgunakan?Platform yang reliable

Ini bisa terjadi

karena antar pelakusaling percaya

Lendermemperolehbunga maksimum,Borrowermemperolehbunga minimum;

transaksi padasuku bunga yangdisepakati

Ssocial Banking

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