Seiring berkembangnya teknologi informasi membuat industri perbankan harus semakin siap berubah dan bertransformasi. Bank 4.0 merupakan salah satu bentuk inovasi bank konvensional yang menjadi digital banking pada saat ini, era Bank 4.0 sangat berperan dalam kegiatan ekonomi kreatif Indonesia saat ini.
Jika melihat secara luas, dampak revolusi industri 4.0 yang menandai transformasi digital dengan teknologi disruptif seperti artificial intelligence (kecerdasan buatan), cloud computing (penyampaian media melalui internet), blockchain (penyimpanan data pada transaksi digital), hingga biometrics (saat ini turut mempengaruhi bisnis perbankan). Bahkan pandemi Covid-19 yang telah merebak pada tahun lalu pun ikut mendorong percepatan transformasi digital perbankan.
Transaksi bank yang awalnya banyak dilakukan oleh nasabah di kantor cabang pada saat ini dilakukan secara digital atau online melalui mobile banking, internet banking, ataupun call center yang digerakkan oleh artificial intelligence.
Beberapa isu yang mendukung perkembangan bank 4.0 pun telah ada, antara lain yaitu, perubahan pola konsumsi dan keinginan masyarakat yang menginginkan sesuatu yang mudah cepat, faktor kepercayaan akan keamanan yang diselenggarakan oleh platform digital banking, masalah pengaturan atau regulasi yang berlaku. Artinya, meluaskan pasar perihal layanan yang diberikan agar bisa dijangkau oleh berbagai kalangan dimanapun dan kapanpun.
Perubahan ini harus mampu direspon secara cepat, hal ini guna mempersiapkan lembaga jasa keuangan dalam menghadapi inovasi digital banking. Saat ini sektor perbankan sedang mengalami tranformasi menuju era digitalisasi. Transformasi industri perbankan merupakan jawaban terhadap fenomena perkembangan financial technology (fintech) dan era revolusi industri 4.0.
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Transaksi bank yang awalnya banyak dilakukan oleh nasabah di kantor cabang pada saat ini dilakukan secara digital atau online melalui mobile banking, internet banking, ataupun call center yang digerakkan oleh artificial intelligence.
This change must be responded to quickly to prepare financial services institutions for digital banking innovation. The banking sector is currently undergoing a transformation into the digital era. The transformation of the banking industry is a response to the development of financial technology (fintech) and the Industrial Revolution 4.0 era.
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