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A digital bank represents a virtual process that includes online banking, mobile banking, and beyond. As an end-to-end platform, digital banking must encompass the front end that consumers see, the back end that bankers see through their servers and admin control panels, and the middleware that connects these nodes.
The concept was first explored in 2003 as part of the open innovation movement that was promoted by Henry Chesbrough. [4] [5] The advent of internet banking and development of online technology in the early 2000s led to interest in access to the data, which was first seen in account aggregation attempts by technology companies.
In addition, some regional banks have subsidiaries in forms of BPRs (Bank Perkreditan Rakyat, or People's Credit Banks) which are usually owned and operated by governments of regencies or cities, acting as municipally owned corporations.
The establishment of the Indonesian Bank Restructuring Agency (IBRA) (Indonesian: Badan Penyehatan Perbankan Nasional, BPPN), lit. "National Banking Revitalization Agency") in early 1998 was one of a series of steps taken by the Indonesian government, in agreement with the International Monetary Fund on 15 January 1998, in response to the banking and economic crisis which emerged following the ...
This is a list of major banks in Indonesia.There are 120 commercial banks in Indonesia (4 state owned banks and 117 private banks). Two of the state owned banks have Islamic banking units.
Bank Negara Indonesia (lit. 'State Bank of Indonesia', formerly Bank Negara Indonesia 1946, lit. 'State Bank of Indonesia of 1946') is an Indonesian state-owned bank. It has branches primarily in Indonesia, but it can also found in Seoul, Singapore, Hong Kong, Tokyo, London and New York.
Banking regulation and supervision refers to a form of financial regulation which subjects banks to certain requirements, restrictions and guidelines, enforced by a financial regulatory authority generally referred to as banking supervisor, with semantic variations across jurisdictions.
Being Digital is made up of an introduction, three parts, and an epilogue. In the first part Negroponte discusses the fundamental difference between bits and atoms. He describes "atoms" as a weighted mass form such as a book and "bits" as "instantaneous and inexpensive transfer of electronic data" that "move at the speed of light."