TAHAPAN BCA :

Innovation Champion through KlikBCA

Ade Y. Novianto (0850072)
Herasari Yunita (0850028)
Ratri Paramita (0850052)
 BCA’s History
BCA was originally established on August 10, 1955 as a textile company in
Semarang, Central Java, Indonesia.
Its name was NV Perseroan Dagang dan Industrie Semarang Knitting.

This company officially changed its name to Bank Central Asia NV on February
21, 1957 and relocated to a trading center in West Jakarta, Indonesia.

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In 1979 BCA was the first national bank in Indonesia to introduce credit card.

BCA also became the Automated Teller Machine (ATM) pioneer in Indonesia
and thus changed consumer behavior in non-cash transactions.

In 1984 and 1985, BCA opened subsidiary offices in Hongkong and Singapore.
Also, in May 1985 BCA opened another subsidiary on Madison Avenue in New
York City.

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 BCA Products and Services
BCA provides banking products and services through deposit accounts (e.g:
“TAHAPAN BCA”), credit cards, electronic facilities (e.g: KlikBCA), loans,
bank guarantees, export-import facilities and foreign exchange facilities.

BCA increased its electronic banking to serve customer groups especially for
their transaction needs through various channel distributions such as
branches, automated teller machines, phone banking, mobile banking, and
internet banking.

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Bank Central Asia (BCA) had a soft launch for KlikBCA (Internet Banking BCA)
in August 17, 2000 and officially launched it in March 2001.

Individual customers increased from 29,000 customers during the first launch
to 217,653 customers at the end of 2001.

Stephen Liestyo, BCA Senior General Manager, asked the steering committee
team to formulate the strategy that could prepare KlikBCA to go world wide
in order to strengthen BCA position as the best transaction bank.

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The Birth of KlikBCA as a Virtual ATM
One of the outstanding services for transactions
in consumer banking was KlikBCA.

The “Klik” name was chosen from the English word

“click” meaning that customers just click (“klik”)
to the internet when doing BCA internet
transactions. System & Information
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KlikBCA’s launching was under the edgy preparation process :

3. A six month preparation period for setting up KlikBCA

4. The deadline is compulsory and cannot be extended as the launching
of KlikBCA will be one of the supporting programs for BCA as initial
public offering in 2000.

The internet banking project was categorized as a “crash program”.

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The discussion took longer when the team had to
decided User ID and PIN Internet Banking.

The customers should register their accounts in

BCA’s ATMs firstly in order to get User ID for
KlikBCA.

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During the launching preparation, the environment
supports and infrastructure were deficient.

The main constraints were limited internet infrastructure

due to unavailable fiber cable for all areas and the
limited number of internet users.

At this period, most people in Indonesia were afraid to use

the internet for transactions.
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ATMs were popular in banking transactions for the majority of Indonesians.

At this time, 8 million customers used ATMs for their banking transactions.

“We finally decided to make internet banking look like the ATM machines, so
the first phase of internet banking was called Virtual ATM,” stated Stephen
Liestyo.

The presence of internet banking was seen as the repositioning steps and at
the same time the differentiation for ATM BCA products.

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BCA enhanced KlikBCA awareness by declaring “You can find the same
ATM features on the internet”.

BCA created a convincing tag line for KlikBCA “Imagine having your
Personal ATM”.

The other program after launching KlikBCA officially was to educate

customers.
Several activities were done through media by Question and Answer,
having presentations to many universities and also capitalizing on
using word-of-mouth strategy.
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The launching strategy and internet positioning strategy generated
successful outcomes.

In the year 2000 BCA had 29,223 users with 49,097 click frequency
and transaction values IDR 106 billion (1 US$ = around IDR 9.000 to
IDR 10.500).

In 2001, internet users increased to 217,653 with 6.7 million

transaction frequency and transaction values IDR 1.3 trillion.

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FACILITIES
 Pembelian
§ Pulsa isi ulang
§ Saham
§ Tiket

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 Pembayaran
§ Kartu kredit
§ Internet
§ Telepon
§ Handphone
§ Pager
§ pendidikan
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 History transaction

Mencatat setiap transaksi yang

dilakukan setiap nasabah

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 Funds Transfer
Transfer antar BCA :
§ Real time
§ Berkala
§ Tanggal tertentu
Transfer ke Domestik Bank lain :
§ Real time
§ Tanggal tertentu
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 Administration
§ Ganti pin
§ Ubah bahasa
§ Ganti alamat email
§ Hapus daftar pembayaran
§ Hapus daftar transfer
§ Registrasi key BCA
§ Tambah Koneksi Key BCA
§ Aktivasi Key BCA
§ Registrasi Information BCA Card

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 Account Information

§ Informasi saldo
§ Informasi rekening
§ Tagihan BCA card

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THEORY
 What is technology?

The application of knowledge, including the processes and

procedures to solve problems, perform tasks, and create new
methods to obtain desired outcomes.

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 Components of managing information

§ Data
§ Knowledge
§ Information
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 INTERNET

Global information system that links many computer

networks together.

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 INTERNET USES
§ Communication
§ Information
§ Entertaiment
§ E-business
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 E-BUSINESS
Carrying out the goals of business
through utilization of the internet.

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 E-BUSINESS MODELS
§ Business-to-business (B2B)
§ Business-to-consumer (B2C)
§ Consumer-to-consumer (C2C)

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 SWOT ANALYSIS
ØS :
§ memiliki berbagai SD yang unggul
dibandingkan dengan bank lainnya
§ Memiliki jumlah nasabah yang lebih banyak
dibanding bank lainnya.
ØW :
§ Cost yang dibutuhkan lebih tinggi
§ Butuh ahli di bidang IT

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ØO :
§ Dengan terus tumbuhnya teknologi di masa
mendatang, BCA memiliki banyak
kesempatan untuk mengembangkan produk
yang dimilikinya
ØT :
§ Muncul kompetitor baru, sehingga BCA harus
lebih inovatif dalam pengembangan
produknya

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