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Jakarta, Spasi-id.com - Indonesian banking statistics (SPI) data is reduced to a general bank branch office or closing 6,565 branch offices in April 2022 to 25,771 branch offices. That's much bigger than December 2021,
The downgrade of the branch office continues in the middle of the digitization era. The closing of the branch office by the general bank in the March-April 2022 period is lower than the February-March 2022 period.
The number of branch offices disabled in March-April 2022 is 254 branch offices. Meanwhile, in February - March 2022 reached 10x times more or reached 2,505 branch offices.
Meanwhile, the number of national private branch offices is down to 587 for the first 4 months of 2022. The total of April 2022 is 8,443 national private bank offices.
Banking Economic Observation of Binus University Doddy Ariefianto says, downsizing or closing office the bank does indicate that the bank is increasingly adaptive in the digital era.
He claims to be surprised by the digital adoption at the state banks. Basically, the BUMN has been assumed to be the slowest in transformation to digital. But the conditions that occurred at the bank -brasero broke those assumptions.
"I suspect the state bank has changed its paradigm. Used to be banks used to build branches. Because to enlarge the market has to build an office. Now it's different in the digital age," said Doddy, Monday (22 / 82022).
Doddy explained, in areas which already have great Internet coverage, such as in Java and Sumatra Island, countries' banks start cutting branches and replacing them with smart-ass agents.
With a smart sales agent, Doddy said that anyone can access banking services until they open savings without having to go to the branch office.
"The state bank moves fast. I'm surprised. That would be very cursive. The bank that was described as being slow, turned out to be responsive to change. Even more than a private bank," said Doddy.
Based on his observations, since 2017 the bank owned by the country was intractable. The number of branches, according to Doddy's data, is down 20 percent every year. He said the future of the bank will lead to the satellite bank. In one location, it's not built by a branch office that costs a lot of money, but it's a smart atm that there's only 1 -3 bank employees.
"Not just cash tug, banking services like buying valas, asking about credit, flowers and everything else could be there," said Doddy.
