In the increasingly competitive world of digital banking, customer trust is the most valuable asset. Behind every online transaction, digital account opening, and mobile banking service, there is one fundamental thing: data security. Without a robust security system, all digital innovations risk losing public trust and the reputation of financial institutions.
1. Security as the Foundation of Digital Services
Banking digitization offers incredible convenience for customers—from real-time transactions to services without time limits. However, behind this convenience, cyber security threats are becoming increasingly complex.
Attacks such as phishing, ransomware, personal data theft, and transaction manipulation have now become real challenges for the financial industry.
Therefore, data security should not only be a technical aspect but rather a core business strategy. Each bank needs to ensure that their systems not only function well but are also capable of protecting customer data from potential leaks and misuse.
2. Regulations and Security Standards in Indonesia
The government through the Financial Services Authority (OJK) and Bank Indonesia (BI) has issued various regulations to strengthen cyber security in the financial sector. Among them are:
POJK No.38/POJK.03/2016 concerning Risk Management in the Use of Information Technology.
BI Circular No.21/18/DKom related to customer data protection policies.
Implementation of ISO 27001 as an information security management standard.
Compliance with these regulations is not just a legal obligation but also a moral commitment to public trust. Institutions that can maintain the security of their data will be more trusted by customers and business partners.
3. Security Challenges in the Cloud and Open API Era
The current digital transformation of banking is leading towards open and connected systems—utilizing APIs (Application Programming Interfaces) and cloud infrastructure.
Although this technology enhances flexibility and innovation, it also expands the attack surface. Each API connection or cloud service becomes a potential entry point for cybercriminals.
Banks must ensure that every integration is carried out with strict security controls, such as end-to-end data encryption, layered authentication, and real-time system activity monitoring. Additionally, it is important to have a quick and measured incident response system in place in case of security incidents.
4. The Role of Collega in Supporting Banking Data Security
As a financial technology solution provider with over two decades of experience, Collega Inti Pratama prioritizes security in every system implementation.
Every Collega solution—whether core banking, mobile banking, or payment gateway—is designed with high security standards and has gone through rigorous security testing.
Collega also assists regional banks in implementing best practices in data security, from secure system architecture, user access management, to integration with external security systems such as fraud detection and transaction encryption.
This approach ensures that every digital innovation launched remains safe, compliant, and trustworthy in the eyes of regulators and customers.
5. Maintaining Trust in the Digital Era
Data security is not a one-time project; it is an ongoing process that requires commitment, technology, and education. Banks that successfully build a culture of digital security across their organization will have a competitive advantage that is hard to match.
Collega believes that security is the core of trust, and trust is the foundation of sustainability in the digital banking industry. With the right solutions and collaborations, the future of digital banking in Indonesia will grow stronger, safer, and trusted by all layers of society.
Collega Inti Pratama – Together We Make IT Better.
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Digital Ecosystem
Blog
QRIS (Quick Response Code Indonesian Standard) is one of the latest innovative breakthroughs in the payment system. QRIS is a digital payment system based on QR Code that facilitates cashless transactions in banking.
What is QRIS?
QRIS (Quick Response Code Indonesian Standard) is the national QR Code standard established by Bank Indonesia to unify various digital payment methods into one system. With QRIS, transactions can be made using just one QR Code that can be utilized by various payment applications, including mobile banking and digital wallets.
In the context of banking, QRIS has become one of the strategic services to support quick, safe, and efficient cashless transactions.
The Role of QRIS in Banking Services
QRIS plays a vital role in expanding digital payment services in the banking sector. Through the integration of QRIS, banks can provide more inclusive and accessible transaction services for both customers and business actors.
Some of the main roles of QRIS in banking include:
Supporting the cashless society ecosystem
Facilitating retail and MSME transactions
Accelerating cashless payment processes
Increasing the adoption of mobile banking services
Benefits of QRIS Services for Banking
The implementation of QRIS brings various benefits to the banking industry, including:
Improving Transaction Efficiency. QRIS reduces reliance on cash and accelerates the payment process.
Expanding Service Reach. Banks can reach MSME players and a broader segment of the community with relatively low implementation costs.
Enhancing Customer Experience. Transactions become more practical, fast, and convenient by simply scanning a QR Code.
Supporting Transparency and Security. Each transaction is recorded d digitally, making tracking and reporting easier.
QRIS as Part of the Digital Banking Transformation
QRIS is a crucial part of the digital transformation of banking. By integrating QRIS into core banking systems and other digital services, banks can create a modern and connected payment ecosystem.
Moreover, QRIS also opens up integration opportunities with other services such as:
Mobile & Internet Banking
Transaction reporting systems
Analysis of customer transaction data
Development of other digital payment products
It can be concluded that the QRIS system services in banking become an effective digital payment solution to support cashless transactions in Indonesia. With ease of use, security, and support from national regulations, QRIS helps banks improve service quality, expand financial inclusion, and accelerate the digital transformation of banking.
Collega Inti Pratama – Together We Make IT Better.
Core Banking
Blog
In the era of digital as it is now, the banking industry is required to move quickly, safely, and efficiently in serving customers. Behind various banking services that we use every day—from cash withdrawals, transfers, to mobile banking—there is a core system that is the backbone of bank operations, namely Core Banking System.
What is Core Banking System?
Core Banking System (CBS) is the primary system used by banks to run all core business processes in a centralized, integrated, and real-time manner. This system serves as the foundation of banking operations in managing customer data, financial transactions, banking products, and reporting.
With the Core Banking System, customers can perform transactions anytime and anywhere through various channels such as branch offices, ATMs, mobile banking, and internet banking, with data that is always synchronized within one system.
Functions of the Core Banking System
Core Banking System plays a vital role in ensuring the bank's operations run efficiently and safely. Here are some of its main functions:
Centralized Customer Data Management. CBS stores all customer data in one integrated system, making it easier to manage, monitor, and update data accurately.
Real-Time Transaction Processing. This system allows banking transactions such as deposits, withdrawals, fund transfers, payments, and financing to be conducted in real-time without delays.
Management of Banking Products and Services. The Core Banking System supports the management of various banking products such as savings, checking accounts, deposits, loans, and financing with flexible configurations.
Compliance with Regulations. CBS assists banks in meeting regulatory requirements through automatic reporting features, audit trails, and internal controls.
Multi-Channel Integration. The Core Banking System connects with various digital service channels, providing a consistent service experience for customers.
Benefits of the Core Banking System
The implementation of a modern Core Banking System provides many strategic benefits, including:
Increasing Operational Efficiency
Automated processes reduce manual work and the risk of human error.Enhancing Customer Service Quality
Fast and accurate transactions increase customer trust and satisfaction.Data and Transaction Security
The Core Banking System is equipped with multi-layer security systems to protect sensitive customer data.Supporting Business Scalability
Banks can easily develop new products and expand services as the business grows.
The Role of the Core Banking System in Digital Banking Transformation
In the digital era, the Core Banking System becomes the main key to banking transformation. A flexible core system enables banks to adopt modern technologies such as API Integration, Open Banking, Cloud Computing, and collaboration with fintech.
Without a reliable Core Banking System, the development of digital services will be hindered, making it difficult to compete in an increasingly competitive banking industry.
It can be concluded that the Core Banking System is the primary foundation that determines the success of operational and digital banking transformation. With a modern core system, banks can enhance efficiency, security, and service quality to customers while preparing to face future technological developments.
Collega Inti Pratama – Together We Make IT Better.
Events & Webinars
PT Collega Inti Pratama collaborates with PT Jojo Nomic Indonesia and is supported by PT Telkom Indonesia (Persero) Tbk to hold a webinar conducted online with the theme “Digital Transformation with No-Code Development to Drive Business Growth” on October 14, 2021.
Events & Webinars
The presence of Digital Lending as a solution to facilitate the loan application process for customers, as well as to support the growth of the banking business in the future. This digitization is expected to help reduce the number of unbanked and underserved individuals in Indonesia, which can be a key element for national economic growth.
