IMPROVE CASH FUND FOR HEALTHLY OF BANKS THROUGH THE SALE OF EDC SERVICES

Introduction In a weakened trading conditions caused by tight business competition, and some companies from abroad have been doing business expansion in Indonesia in the framework of the implementation of AFTA in 2016, it resulted in financial difficulties for the company in Indonesia. Due to the financial difficulties, the impact on other companies, mainly engaged in banking, making it difficult to develop a business financing and banking rarely take another strategic move, such as mergers and acquisitions, to rescue financial condition experienced. Step mergers and acquisitions, not a right step, because the policy is only temporary, or simply delaying other problems that will occur at this point, but it will happen in the future. Understanding Bank is a financial intermediary, which was established with the authority to accept deposits, lend money, and issue promissory notes, known as a banknote, which as a business entity that collects funds from the public in the form of savings can be channeled back to the community in the form of loans and or other forms in order to improve the living standards of the people. Development of the banking business today, but to accept deposits and extend credit, the bank can also provide mediation services that can facilitate the transaction to accept payments made in trading activities, where banks mediate between buyers and sellers, to accept payment transactions from buyers provided that the seller has been a customer of the bank that provides the services in question, so that the seller does not accept cash, but it does receive proof of payment has been done by the seller.

Transactions by buyers and sellers to use banking services, such as the buyers in making payments using credit cards, debit cards or other types of cards, while vending machines using merchandising (electronic data capture/EDC).

Overview EDC Machine - run banks (financial institutions) has been widely available in the trade center, but the use of these machines is still very low, due to the learning and cultural transformation of the bank to the buyer and seller, is still very low, or it can be said that has not been done, giving rise to the impression that the use of EDC machines are still far from the expectations of the most low. The problem faced by the bank service providers machines EDC, in general, still in the clouds, because the view of the bank, that trade is an activity which was held in a large shopping center, has the luxury buildings and wide, including warehousing facilities are complete, which should be provided by the seller at the time of providing all the needs, from primary needs to be secular.

The presumption that trade is only held by a large modern enterprise, with a complete range of facilities, is a mistake because many traditional companies that have a turnover comparable to a large modern enterprise, but has not been touched by the service EDC facility held by banks. Objective 1. Expanding EDC facility held by banks 2. Increase the availability of cash to the banking industry 3. Improving the security of transactions, where sellers and buyers do not use cash 4. Reduce miscalculation by the cashier, at the time of closing the trading transaction Benefits 1. Getting cash in large amounts derived from trading transactions that occur 2. Increasing the liquidity of banks to increase the number of borrowers who will receive credits 3. Increase the revenue derived from administrative costs as a result of trade transactions conducted by

customers Barriers 1. Work culture

Work culture adopted by banking organizations when developing the business, to expand the network of EDC, which is still traditional, the bank considers that only transactions conducted between 07.00 to 21.00. The presumption that the working time from 07.00 to 21.00 is a mistake, because the trade transactions can be done at any time during the 24 hours, while controlling and decision makers of the commercial activities, will be on-site trade activities between 07:00 until 06:59.

2. Type of business

Type of business targeted deployment of EDC services facilities, is still oriented to the modern business, where the seller provides various facilities, such as warehouses, luxurious and spacious building, and various types of traded goods. The presumption use EDC services facilities can only be done on modern business paradigm is a mistake, because there are many traditional businesses that have a sales turnover by the modern business, or a more traditional business of modern business.

3. Communication and leadership

Communication and leadership models adopted by traditional business, is more modest, when compared with the model of communication and leadership are applied in modern business.

Communication models and leadership on trade business is still traditional, the banks can interact directly with the owner or person in charge of the transaction, and is generally carried out informally, with no need for correspondence, but only adjust the time provided by the responsible person or business owner.

4. Request service cooperation EDC facility

The main mistake is often done by the bank, when selling the service facility EDC to customers is, banks felt that customers desperately need care facilities EDC, so the arrogance and pride that are owned by banks, often gets rejection of the owner or person in charge of the business, at the time will perform explanation and sell EDC services facilities. Customer considered to require the services of a bank, but the bank actually need the cash from customers, who come from the business being operated, eventually making a deep gap between customers and banks, so that customers become reluctant to deal with the bank, especially in the use of EDC facility services.

Problem Solver (Solutions) Appoint outside leader or out sourcing to handle the job in selling the EDC facility services, and maximize their use of existing EDC facility. Vision Change Management Strategy in support of the business to achieve sustainable growth. Mission Implementation of Change Management in the banking business, to achieve business growth and increase revenue. Objective 1. Plan and create strategic thinking that will be used in the process of change, in support of business

growth through sales service EDC facility, so that members of the organization can see and understand that change is the need of the organization, in order to adapt to the conditions in the future.

2. Supervise and provide oversight of the process of change undertaken by all members of the

organization, and ensure that the process of change is accepted by the members of the organization through their involvement directly or indirectly.

Goals 1. The use of the machine / tool EDC optimally by the customer / depositor 2. Identify customers / depositors with the potential to use the services of the machine / tool EDC 3. Transformation of knowledge of the business processes that occur over the use of machinery / EDC

4. Create a culture of the use of machinery / EDC as a transaction that is safe and beneficial for clients / depositors and customers

5. Transformation of knowledge and skills in developing business to customers / depositors Benefits 1. Increase in cash transactions at the bank facility service provider EDC 2. Increase revenue for the bank facility service provider EDC of transactions conducted by

customers/depositors with its customers 3. Building a culture of non-cash transactions that provide security for customers/depositors and

customers. 4. Transformation of knowledge in business development for customers/depositors Role 1. Transformation of effective leadership and efficiency in management changes 2. Experts in the field of administration, in providing design and process in human resources and

information as key management. 3. Implement the Strategic Planning Process 4. Scanner for stakeholders, through the scanning of stakeholders, such as the mission statement and goals

as early carry out work to develop a strategic plan. 5. Catalog potential destinations in finding a theme and objectives that fall will have the greatest positive

impact on the business. 6. Evaluation of the draft planning objectives, developing measures and strategies as well as additional

goals. 7. Presents in the form of a document on the role of the various sessions on strategic planning for each

employee and provide the opportunity to submit proposals. Measurement 1. Growth in the number of new customers as EDC users who can produce, through the EDC newly

installed 2. Increased use of EDC by the customer, through the EDC which is mounted 3. Comparison between the investment costs incurred by banks in providing EDC services, compared

with revenue generated 4. Percentage increase in sales of services EDC facilities (new and existing), compared with the bank-run

business receipts in the form of lending and other businesses except services EDC. Strategy To implement change management in the banking business, in support of sustainable business growth, please contact: winardi@updi-int.com, or winardi67@gmail.com, mobile + 62-813-1542-1509, wa. + 62-857-8119-9094.

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