PROBLEMS AND SOLUTIONS FOR IMPLEMENTATION OF “ONLINE DEPOSITS” IN INDONESIA: DESCRIPTION ANALYSIS

Banking digitalization is an effort to continue to innovate to provide various facilities and conveniences for customers when conducting financial transactions through their smartphones. The online deposit service is one of the financial product innovations that provide online account opening services, without requiring customers to be physically present. This research uses descriptive methods and literature studies to find various problems when the implementation of online deposit products is carried out. The findings of this research are (1) the number of supporting infrastructure facilities for banking digitalization is still relatively limited, (2) many banking terms are difficult for the public to understand, (3) the number of cybercrimes occurring as a result of the increasing number of users in this industry. In this research, the author provides solutions to overcome the problems that arise, (1) improving IT infrastructure, increasing security, (2) online operator facilities that explain directly, (3) updating security and operator knowledge on various new modes that are developing about crime on the internet. This activity will make people believe, comfortable, and willing to place their money in the bank, especially the placement of deposit funds online. This research contributes to the development of knowledge about banking digitalization efforts in Indonesia.