Go Digital OJK Dongkrak Saham Bank | OBROLANBISNIS.com —
Mayoritas saham bank digital atau yang sedang dalam proses go digital menguat pada perdagangan pagi ini, Jumat, 20 Agustus 2021. Penguatan ini terjadi seiring dengan kebijakan baru yang dirilis Otoritas Jasa Keuangan (OJK) terkait bank digital pada Kamis, 19 Agustus 2021.
Aturan mengenai bank digital berada dalam Peraturan bernomor POJK No. 12/POJK.03/2021 tentang Bank Umum. Beleid ini berisi 19 bab dan 160 pasal. Berdasarkan data RTI hingga pukul 10.12 WIB, saham PT Bank BRI Agroniaga (AGRO) memimpin penguatan saham bank digital dengan kenaikan 11 persen ke level 2.220.
Setelahnya, saham PT Allo Bank Indonesia Tbk. (BBHI) menguat 6,70 persen ke level 2.230, PT Bank MNC Internasional Tbk. (BABP) naik 6,42 persen ke angka 398. Saham PT Bank Capital Indonesia Tbk. (BACA) dan PT Bank QNB Indonesia Tbk. (BKSW) masing-masing menguat 5,96 persen dan 4,42 persen ke level 462 dan 236.
Kemudian, PT Bank Neo Commerce Tbk. (BBYB) dan PT Bank Aladin Syariah Tbk. (BANK) naik 2,26 persen ke 1.360 dan 0,81 persen ke level 3.730.
Sementara itu, PT Bank Jago Tbk. (ARTO) menunjukkan pelemahan tipis 0,31 persen ke level 15.950 per saham, diikuti PT Bank BTPN Tbk. (BTPN) yang melemah 1.42 persen ke 2.780 per saham, dan PT Bank KB Bukopin Tbk. (BBKP) turun 2,75 persen menjadi 530 per saham. Saham Perubahan (%) Harga AGRO 11 2.220 BBHI 6,70 2.230 BABP 6,42 398 BACA 5,96 462 BKSW 4,42 236 BBYB 2,26 1.360 BANK 0,81 3.730 ARTO -0,31 15.950 BTPN -1,42 2.780 BBKP -2,75 530.
Sebelumnya, OJK menyebut sejumlah bank dalam proses go digital, di antaranya, Bank BCA Digital, PT BRI Agroniaga Tbk., PT Bank Neo Commerce Tbk., PT Bank Capital Tbk., PT Bank Harda Internasional Tbk., PT Bank QNB Indonesia Tbk., dan PT KEB HanaBank.
INFO BISNIS
Sementara, bank-bank yang telah menyatakan diri sebagai bank digital seperti Jenius dari Bank BTPN, Wokee dari Bank Bukopin, Digibank dari Bank DBS, TMRW Bank UOB, Jado milik Bank Jago, MotionBanking dari MNC Bank, dan Bank Aladin. Adapun, dalam aturan baru OJK menetapkan 6 persyaratan bagi bank agar dapat disebut sebagai bank digital.
Pertama, memiliki model bisnis dengan penggunaan teknologi yang inovatif dan aman dalam melayani kebutuhan nasabah. Kedua, memiliki kemampuan untuk mengelola model bisnis perbankan digital yang prudent dan berkesinambungan.
Ketiga, memiliki manajemen risiko secara memadai.
Keempat, memenuhi aspek tata kelola termasuk pemenuhan direksi yang mempunyai kompetensi di bidang teknologi informasi dan kompetensi lain sebagaimana dimaksud dalam ketentuan OJK mengenai penilaian kemampuan dan kepatutan.
Kelima, menjalankan perlindungan terhadap keamanan data nasabah dan terakhir, keenam, memberikan upaya yang kontributif terhadap perkembangan ekosistem keuangan digital dan/atau inklusi keuangan. ***
Go Digital OJK Boosts Bank Shares | OBROLANBISNIS.com —
The majority of digital bank shares or those in the process of going digital rose in trading this morning, Friday (20/8/2021). This strengthening occurred in line with the new policy released by the Financial Services Authority (OJK) regarding digital banks on Thursday (19/8/2021).
The rules regarding digital banks are in Regulation numbered POJK No. 12/POJK.03/2021 concerning Commercial Banks. This regulation contains 19 chapters and 160 chapters. Based on RTI data as of 10.12 WIB, shares of PT Bank BRI Agroniaga (AGRO) led the strengthening of digital bank shares with an 11 percent increase to the level of 2,220.
After that, the shares of PT Allo Bank Indonesia Tbk. (BBHI) rose 6.70 percent to a level of 2,230, PT Bank MNC Internasional Tbk. (BABP) rose 6.42 percent to 398. Shares of PT Bank Capital Indonesia Tbk. (BACA) and PT Bank QNB Indonesia Tbk. (BKSW) rose 5.96 percent and 4.42 percent to 462 and 236, respectively.
Then, PT Bank Neo Commerce Tbk. (BBYB) and PT Bank Aladin Syariah Tbk. (BANK) rose 2.26 percent to 1,360 and 0.81 percent to 3,730.
Meanwhile, PT Bank Jago Tbk. (ARTO) showed a slight decline of 0.31 percent to 15,950 per share, followed by PT Bank BTPN Tbk. (BTPN) which fell 1.42 percent to 2,780 per share, and PT Bank KB Bukopin Tbk. (BBKP) fell 2.75 percent to 530 per share. Share Change (%) AGRO Price 11 2,220 BBHI 6.70 2,230 BABP 6,42 398 BACA 5,96 462 BKSW 4,42 236 BBYB 2,26 1,360 BANK 0,81 3,730 ARTO -0.31 15,950 BTPN -1.42 2,780 BBKP -2.75 530.
Previously, OJK mentioned a number of banks in the process of going digital, including Bank BCA Digital, PT BRI Agroniaga Tbk., PT Bank Neo Commerce Tbk., PT Bank Capital Tbk., PT Bank Harda Internasional Tbk., PT Bank QNB Indonesia Tbk. , and PT KEB HanaBank.
Meanwhile, banks that have declared themselves as digital banks include Jenius from Bank BTPN, Wokee from Bank Bukopin, Digibank from DBS Bank, TMRW Bank UOB, Jado owned by Bank Jago, MotionBanking from MNC Bank, and Bank Aladin. Meanwhile, the new OJK rules set 6 requirements for banks to be called digital banks.
First, having a business model using innovative and safe technology to serve customer needs. Second, having the ability to manage a prudent and sustainable digital banking business model.
Third, have adequate risk management.
Fourth, fulfill the governance aspects, including the fulfillment of directors who have competence in the field of information technology and other competencies as referred to in the OJK regulations regarding fit and proper test.
Fifth, protect the security of customer data and finally, sixth, provide efforts that contribute to the development of the digital financial ecosystem and/or financial inclusion. ***
[bsn/RED-OB]
