Magpiroh, Elya (2025) PERBEDAAN PROSES TRANSAKSI PADA SISTEM PEMBAYARAN REAL TIME GROS SETTLEMENT (RTGS), BI-FAST DAN REAL TIME ONLINE (RTO) DI BANK PEMBANGUNAN JAWA BARAT DAN BANTEN TBK KANTOR CABANG KHUSUS BANTEN. D3 thesis, Universitas Sultan Ageng Tirtayasa.
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Abstract
The purpose of observation in this final project is to determine the differences in transaction processes and factors that influence the transaction process in the Real Time Gross Settlement (RTGS), BI-FAST and Real Time Online (RTO) payment systems. The results of observations based on interviews and observations during the internship at Bank Pembangunan Jawa Barat Dan Banten Tbk Kantor Cabang Khusus Banten to complete the Final Project show that each system has several differences in terms of process speed, transaction costs, and operational time. Real Time Gross Settlement (RTGS) is used for large value transactions with real-time settlement. BI-FAST is a new payment system that allows fast transactions with low costs and is available 24 hours. Meanwhile, Real Time Online (RTO) is used more in daily transactions through Bank Pembangunan Jawa Barat Dan Banten Tbk Kantor Cabang Khusus Banten 's online services. The differences in characteristics indicate the importance of choosing a payment system that suits customer transaction needs and bank operational policies.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Tujuan pengamatan pada tugas akhir ini adalah untuk mengetahui perbedaan proses transaksi serta faktor yang mempengaruhi proses transaksi pada sistem pembayaran Real Time Gross Settlement (RTGS), BI-FAST dan Real Time Online (RTO). Hasil pengamatan berdasarkan wawancara dan observasi selama magang di Bank Pembangunan Jawa Barat Dan Banten Tbk Kantor Cabang Khusus Banten untuk menyelesaikan Tugas Akhir adalah menunjukkan bahwa masing-masing sistem memiliki beberapa perbedaan dalam hal kecepatan proses, biaya transaksi, dan waktu operasional. Real Time Gross Settlement (RTGS) digunakan untuk transaksi bernilai besar dengan penyelesaian waktu nyata (real time). BI-FAST merupakan sistem pembayaran baru yang memungkinkan transaksi cepat dengan biaya rendah dan tersedia 24 jam. Sementara itu, Real Time Online (RTO) lebih digunakan dalam transaksi harian melalui layanan online Bank Pembangunan Jawa Barat Dan Banten Tbk Kantor Cabang Khusus Banten. Perbedaan karakteristik tersebut menunjukkan pentingnya pemilihan sistem pembayaran yang sesuai dengan kebutuhan transaksi nasabah maupun kebijakan operasional bank. | |||||||||
| Uncontrolled Keywords: | BI-FAST, Real Time Gross Settlement (RTGS), and Real Time Online (RTO) BI-FAST, Real Time Gross Settlement (RTGS), dan Real Time Online (RTO) | |||||||||
| Subjects: | H Social Sciences > H Social Sciences (General) | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan 05-Fakultas Ekonomi dan Bisnis |
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| Depositing User: | elya magpiroh elya | |||||||||
| Date Deposited: | 14 Jul 2025 06:56 | |||||||||
| Last Modified: | 14 Jul 2025 06:56 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/51002 |
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