BII's Internet Banking gives users convenience<\/p>\n
Performing transactions through Internet-based banks is now
\ncommon practice for certain people around the globe. Indonesians
\nalso have been able to enjoy this convenience via on-line
\nservices run by Bank Internasional Indonesia (BII).<\/p>\n
BII introduced in September 1998 this cyber service, which
\nenables customers to complete transactions through the Internet
\naround the clock. No more queuing, grumbling, form filling, stamp
\nlicking or walking needed to conduct certain financial
\nactivities.<\/p>\n
BII' Senior Vice President, Rudy N. Hamdani, said more people
\nwould use this online banking services via the Internet as there
\nhad been significant growth in Internet users in Indonesia.<\/p>\n
\"Five years ago people began to socialize with ATMs, phone-
\nbanking and call centers. But now is the new wave era, the new
\ngeneration. With this e-banking service, BII sets its
\nleadership.\" he said.<\/p>\n
He said that there were some one million Internet users in
\nIndonesia, and that this would reach 1.8 million by the end of
\nthe year.<\/p>\n
\"We are targeting to grab 30 percent of them to use our e-
\nbanking,\" he said. When the country's economic condition improves
\neven more, he said, BII should be able to catch up to 70 percent.<\/p>\n
\"Internet users have become a special segment. This is so
\nmobile and they always want to access the Internet, through their
\ncellular phones or palmtops. Through this service BII can expect
\nshorter periods to obtain new customers, not in hours, but in
\nminutes,\" he said. Anyone who wants to bank with BII can visit
\nits website http:\/\/www.bii.co.id.<\/p>\n
Service<\/p>\n
BII Internet Banking was created to enable customers to bank
\nthrough the Internet, which operates 24 hours a day. All a
\ncustomer needs is a computer and Internet access.<\/p>\n
When logging in, customers will be able to make balance
\ninquiries, view their transaction history, transfer money or make
\npayments to their credit cards or to other bills.<\/p>\n
BII Internet Banking was designed to meet customers' need for
\nconvenience. Online-help and easy-to-navigate menus make this
\nservice easy to use.<\/p>\n
To get this service, one must have an account at BII. The
\naccount can be a savings account, such as Superpundi or
\nSuperdolar, a current account (Supergiro, Giro valas), a time
\ndeposit or a credit card issued by BII.<\/p>\n
Applying online can be accomplished by filling in the
\napplication form on the website. BII will process the application
\nand prepare the Internet Banking PIN (Personal Identity Number).<\/p>\n
Customers can still also visit any BII branch where they
\nmaintain their accounts. They can complete an application from
\nand submit it to a customer service representative.<\/p>\n
Customers are required to show valid identification and proof
\nof account ownership -- such as a Superpundi savings book -- for
\nverification. Upon approval of the application, customers will
\nreceive an Internet Banking PIN.<\/p>\n
The third way is by dialing BII Telebank at (021) 3183888.
\nStaff will assist customers in completing the form.<\/p>\n
The Internet Banking PIN will be sent to the address
\nregistered with the bank regardless of how the application was
\nmade. Valid identification and proof of BII account ownership is
\nnecessary for verification.<\/p>\n
Features<\/p>\n
Features of this service include Account Information,
\nStatement Downloading, Fund Transfers, Bill Payments,
\nRemittances, Applications, Cheque Book Applications, Rates,
\nInternet Banking E-mail and Transaction History.<\/p>\n
Checking a bank balance and fund transfer within BII in real
\ntime is possible via this service. Customers can inquire about
\ntheir balance and get a summary of their account, including
\ntransactions and account statements.<\/p>\n
They can also download the statement into their PCs in Comma
\nSeparate Value (CSV) format. Customers will be able to analyze
\nthe data by using an MS Excel program or Spreadsheet.<\/p>\n
Real time features<\/p>\n
Fund Transfers allow customers to transfer their funds to
\nother accounts within BII. Customers will also be able to
\ntransfer funds to another account outside BII, but not in a real
\ntime.<\/p>\n
Bill Payments allow customers to pay their bills for BII
\ncredit cards, Internet service provider subscriptions and
\ncellular phones. Through this service, customers can also send
\nand transfer money locally and internationally via BII or through
\nits Western Union service.<\/p>\n
Also, customers may apply for a draft and travelers checks,
\njust like they do when they go to one of BII branch.<\/p>\n
Users can also fill in and apply for new accounts such as
\nsavings accounts, current accounts, Superdolar accounts, time
\ndeposit accounts and credit cards.<\/p>\n
Giro Book (check books) can be also be applied for through e-
\nbanking, as when customers go to a BII branch in person to do
\nthis. The check book will then be ready at the branch for
\ncustomer pick up, so there is no need to make two trips to the
\nbank; just a quick trip in to pick up the check book applied for
\nthrough e-banking.<\/p>\n
Other information that can be accessed includes foreign
\nexchange rates and the interest rates of BII products.<\/p>\n
In addition, e-banking enables users to communicate with BII.
\nUsers can send their concerns or share their problems and will
\nget a prompt reply.<\/p>\n
All transactions are recorded and customers are able to view
\neach activity and transaction performed for the last three
\nmonths.<\/p>\n
When clicking on the history button, the screen will display
\ndetails of all deposits made to the account within that time
\nperiod and the dates they were made. It also reports the complete
\namounts of checks drawn.<\/p>\n
Security<\/p>\n
Today, many banks already provide Internet-based services.
\nMany people are enjoying this facility, as when they have bills
\nto pay, they can make the payments from their home PC.<\/p>\n
However, many bank customers are still concerned about
\nsecurity in performing Internet banking.<\/p>\n
The Internet is a means if transmitting information which can
\nbe intercepted by a third, unauthorized party. This can be used
\nto benefit the unintended recipient while, at the same time,
\ncausing damage to the rightful owners of that information.<\/p>\n
Concerning this issue, BII has taken steps to minimize the
\nrisk of the accessed information from being stolen by a third
\nparty.<\/p>\n
\"The precautions include the use of digital ID certificate,
\nplug-ins and User IDs and passwords,\" said Rudy.<\/p>\n
He said that BII used an advanced encryption technique to make
\nsure that no other party can snoop on the data that is uploaded
\nand downloaded between Net surfers and the system.<\/p>\n
\"BII applies digital ID certificate\/128-bit encryption.
\nMeanwhile, customers will receive an Internet PIN\/password and a
\nuser ID which will be sent to their e-mail address,\" he said.<\/p>\n
The PIN is a combination of an eight-digit password which must
\ncontain at least one capital, one letter and one number.<\/p>\n
BII requires customers to change their PIN every two months. A
\nnotification window will pop up when customers carry out their e-
\nbanking, to remind them to change the PIN.<\/p>\n
Another feature of the User ID\/password scheme is that when a
\npassword is entered incorrectly three times consecutively, access
\nwill be blocked.<\/p>\n
In this new world of no boundaries, BII is aiming to set
\nstandards of more innovative service. Through its Internet
\nBanking, BII is eying more customers while preparing
\ncollaborations with other parties for public satisfaction and
\nconvenience. (icn)<\/p>",
"url": "https:\/\/jawawa.id\/newsitem\/biis-internet-banking-gives-users-convenience-1447893297",
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"sponsor": "Okusi Associates",
"sponsor_url": "https:\/\/okusiassociates.com"
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