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Digital Payment System & Electronic Banking Operations

Training Digital Payment System & Electronic Banking Operations

DESKRIPSI Training Digital Payment System & Electronic Banking Operations

Transformasi digital dalam industri perbankan telah mendorong perkembangan pesat pada sistem pembayaran digital dan layanan electronic banking. Nasabah kini menuntut layanan transaksi yang cepat, aman, seamless, dan tersedia 24/7 melalui berbagai channel seperti mobile banking, internet banking, ATM, QR payment, virtual account, hingga payment gateway.

Di sisi lain, bank perlu memastikan operasional electronic banking berjalan efektif, secure, compliant, serta mampu mendukung pertumbuhan transaksi digital secara berkelanjutan. Oleh karena itu, pemahaman mengenai digital payment ecosystem, operational process, settlement, security control, dan risk management menjadi sangat penting bagi praktisi perbankan.

TUJUAN Training Digital Payment System & Electronic Banking Operations

• Memahami ekosistem digital payment dan electronic banking.
• Menjelaskan alur operasional transaksi digital banking.
• Mengelola settlement, reconciliation, dan payment processing.
• Mengidentifikasi risiko operasional dan fraud pada transaksi elektronik.
• Memahami keamanan sistem pembayaran digital dan compliance requirement.
• Mengoptimalkan layanan e-banking untuk customer experience.

MATERI Training Digital Payment System & Electronic Banking Operations

1. Overview Digital Banking & Payment Ecosystem
   • Digital banking landscape
   • Evolution of payment system
   • Cashless society trends
   • Banking digital transformation overview
   • Payment ecosystem stakeholders
2. Digital Payment Instruments
   • Mobile banking transactions
   • Internet banking operations
   • ATM & CRM operations
   • Debit and credit card transactions
   • QR payment system
   • Virtual account services
   • E-wallet integration basics
3. Payment Transaction Flow & Processing
   • End-to-end transaction lifecycle
   • Authorization process
   • Clearing mechanism
   • Settlement process
   • Transaction posting flow
4. Electronic Banking Operations Management
   • E-banking operational framework
   • Transaction monitoring
   • Service availability management
   • Incident management procedures
   • Operational support model
5. Payment Switching & Settlement Operations
   • Payment gateway overview
   • Switching mechanism
   • Interbank transfer process
   • Settlement reconciliation
   • Exception handling process
6. Reconciliation & Dispute Management
   • Daily reconciliation process
   • Transaction mismatch handling
   • Failed transaction management
   • Chargeback process
   • Customer dispute resolution
7. Digital Payment Security & Fraud Prevention
   • Payment security principles
   • Authentication & authorization control
   • OTP, token, biometrics security
   • Fraud typologies in digital payment
   • Fraud monitoring and prevention
8. Cybersecurity in Electronic Banking
   • Cyber threat landscape
   • Phishing and malware risks
   • Data protection and privacy
   • Security incident response
9. Risk Management in E-Banking Operations
   • Operational risk in digital banking
   • System downtime risk
   • Transaction risk monitoring
   • Vendor and third-party risk
10. Compliance & Regulatory Requirements
    • Electronic transaction compliance
    • Consumer protection principles
    • Data governance and record retention
    • Audit trail and transaction logging
11. Service Excellence in Digital Banking
    • Customer digital journey
    • Service quality metrics
    • Customer complaint management
    • Digital service improvement strategy
12. Emerging Trends in Payment System
    • Open banking concept
    • API banking basics
    • Real-time payment trends
    • AI in payment operations
    • Embedded finance overview
13. Case Study & Practical Workshop
    • Digital transaction flow analysis
    • Failed transaction investigation
    • Fraud case discussion
    • Reconciliation simulation
    • Incident response exercise

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