DESIGN OF BRANCHLESS BANKING INFORMATION SYSTEM USING USSD TECHNOLOGY: CASE STUDY IN PT BANK RAKYAT INDONESIA (BRI PERSERO) TBK.

Abstract

BRI (Bank Rakyat Indonesia) introduced a branchless banking service, called BRILink, to BRI’s custome . BRILink provides real-time online banking services using Electronic Data Capture (EDC through internet connections. The shortcoming of the EDC technology is that a customer must carry a special device provided by BRI to do banking trasactions anywhere. This paper discusses the devlopment of BRI’s branchless banking information system based on mobile applications using USSD technologies that utilizes GSM connections via mobile phones, and thus improving connection access to customers from wider range of areas. The conceptual design and the prototype of the USSD-based branchless banking have been developed and tested to confirm and validate its applicability in BRI. Some implementation issues and future improvement of the proposed system are discussed.