Bank Mandiri Fokus Penajaman Bisnis | Inilah Strateginya… | OBROLANBISNIS.com — Bank Mandiri memasang target optimis pertumbuhan kredit perbankan sebesar 6%-7% sepanjang 2021.
Untuk mencapai target tersebut, bank milik BUMN yang baru merayakan HUT ke 23 ini, fokus pada penajaman bisnis, seperti mengintegrasikan bisnis wholesale dan retail.
Strategi itu untuk memaksimalkan potensi value chain pada ekosistem nasabah korporasi, mengakselerasi transformasi digital dengan pengembangan solusi digital, perbaikan proses, modernisasi channel, serta peningkatan kapabilitas core banking.
Untuk menjaga momentum sekaligus memenuhi tingginya ekspektasi nasabah dalam bertransaksi secara digital, Bank Mandiri konsisten melakukan inovasi dan transformasi digital di segmen wholesale.
Berbeda dengan layanan digital retail yang bersifat ‘one fit for all’, kebutuhan layanan segmen wholesale lebih bervariatif dan luas menyesuaikan dengan kebutuhan nasabah. Saat ini, kebutuhan tersebut dilayani dengan multi produk/layanan yang diakses terpisah oleh nasabah wholesale.
Dalam rangka meningkatkan pengalaman nasabah dan merevolusi layanan transaksi digital bagi nasabah wholesale, Bank Mandiri menghadirkan layanan digital ‘single access platform’ yang bertajuk Wholesale Digital Super Platform Kopra by Mandiri.
“Konsep single access yang diusung oleh Kopra by Mandiri membuat nasabah lebih praktis dan holistik dalam menjalankan aktivitas finansial dan pemantauan transaksi keuangan di Bank Mandiri, efisien dan mudah mengakses informasi produk di Bank Mandiri, serta memberikan kemudahan kontrol, alokasi dan monitoring funding, serta lending di level entitas maupun grup usaha,” ulas Panji Irawan, Direktur Treasury & International Banking Bank Mandiri dalam keterangan tertulisnya, 6 Oktober 2021.
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Panji menjelaskan, Kopra by Mandiri merupakan layanan digital komprehensif yang menjadi pusat aktivitas informasi dan transaksi finansial bagi komunitas bisnis para pelaku usaha di segmen wholesale berikut ekosistemnya secara end-to-end dari hulu ke hilir.
Kopra by Mandiri dihadirkan sebagai pionir wholesale super platform di industri perbankan nasional yang menawarkan agregasi layanan digital untuk pelaku bisnis yang terbagi dalam tiga varian, yaitu Kopra Portal, Kopra Host to Host dan Kopra Partnership.
Kopra Portal merupakan single access portal untuk memudahkan nasabah Bank Mandiri dalam mengakses layanan portal digital existing, seperti Mandiri Cash Management (MCM) 2.0, Mandiri Financial Supply Chain Management (MFSCM), Mandiri Global Trade (MGT), Mandiri e-FX, Mandiri Smart Account (MSA), dan Mandiri Online Custody.
Konsep perbankan digital terintegrasi juga disediakan Bank Mandiri untuk para pelaku usaha dengan kompleksitas bisnis dan teknologi yang lebih maju melalui solusi layanan Kopra Host-to-Host berbasis API (Application Programming Interface) atau teknologi komunikasi antar-sistem bank dan nasabah.
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Varian ini memudahkan nasabah dalam melakukan inisiasi, otorisasi, dan kontrol transaksi melalui sistem nasabah yang terhubung langsung dengan sistem bank untuk berbagai jenis model bisnis yang mereka miliki.
Varian ketiga, yakni Kopra Partnership diwujudkan melalui dukungan Kopra by Mandiri untuk perluasan akses keuangan digital dan inklusi keuangan melalui partnership atau kemitraan dengan pihak-pihak di luar Bank Mandiri yang memiliki kapabilitas sebagai business enabler pendukung layanan keuangan yang ada di pasar.
Konsep sinergi ini akan meningkatkan kemampuan bank dalam memberikan solusi yang tepat, efisien, dan terintegrasi serta membantu pertumbuhan bisnis bagi ceruk pasar atau nasabah yang sangat spesifik sampai dengan ekosistem hilir value chain yang didominasi nasabah segmen Small & Medium Enterprises. ***
Bank Mandiri Focuses on Sharpening Business | Here’s the Strategy… | OBROLANBISNIS.com — Bank Mandiri has set an optimistic target for bank credit growth of 6%-7% throughout 2021.
To achieve this target, the state-owned bank, which has just celebrated its 23rd anniversary, focuses on business sharpening, such as integrating wholesale and retail businesses.
The strategy is to maximize the value chain potential in the corporate customer ecosystem, accelerate digital transformation by developing digital solutions, improving processes, modernizing channels, and increasing core banking capabilities.
To maintain momentum while meeting high customer expectations in digital transactions, Bank Mandiri is consistent in innovating and transforming digitally in the wholesale segment.
In contrast to digital retail services that are ‘one fit for all’, the wholesale segment’s service needs are more varied and broad to suit customer needs. Currently, these needs are served by multiple products/services that are accessed separately by wholesale customers.
In order to improve customer experience and revolutionize digital transaction services for wholesale customers, Bank Mandiri presents a ‘single access platform’ digital service entitled Wholesale Digital Super Platform Kopra by Mandiri.
“The single access concept promoted by Kopra by Mandiri makes customers more practical and holistic in carrying out financial activities and monitoring financial transactions at Bank Mandiri, efficiently and easily accessing product information at Bank Mandiri, as well as providing easy control, allocation and monitoring of funding, as well as lending. at the entity and business group levels,” said Panji Irawan, Director of Treasury & International Banking at Bank Mandiri in a written statement, October 6, 2021.
Panji explained, Kopra by Mandiri is a comprehensive digital service that is a center for information and financial transaction activities for the business community of business actors in the wholesale segment and their end-to-end ecosystem from upstream to downstream.
Kopra by Mandiri is presented as a pioneer wholesale super platform in the national banking industry that offers digital service aggregation for business players which is divided into three variants, namely Kopra Portal, Kopra Host to Host and Kopra Partnership.
Kopra Portal is a single access portal to make it easier for Bank Mandiri customers to access existing digital portal services, such as Mandiri Cash Management (MCM) 2.0, Mandiri Financial Supply Chain Management (MFSCM), Mandiri Global Trade (MGT), Mandiri e-FX, Mandiri Smart Account (MSA), and Mandiri Online Custody.
The concept of integrated digital banking is also provided by Bank Mandiri for business players with business complexity and more advanced technology through Host-to-Host Copra service solutions based on API (Application Programming Interface) or communication technology between bank and customer systems.
This variant makes it easier for customers to initiate, authorize, and control transactions through a customer system that is directly connected to the bank’s system for the various types of business models they have.
The third variant, namely the Kopra Partnership, is realized through the support of Kopra by Mandiri for the expansion of digital financial access and financial inclusion through partnerships or partnerships with parties outside Bank Mandiri who have the capability as a business enabler to support financial services in the market.
This synergy concept will increase the bank’s ability to provide appropriate, efficient, and integrated solutions as well as assist business growth for very specific market niches or customers to the downstream value chain ecosystem which is dominated by the Small & Medium Enterprises segment. ***
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