180x Filetype PPT File size 0.04 MB Source: udin.staff.gunadarma.ac.id
Latar belakang Banking is a sunset industry, electronic banking is a sunrise industry • Mulai banyaknya e-payment, e-money, e- banking, dsb. Apa semua ini? • Perdagangan / perniagaan di Internet membutuhkan kecepatan dalam “transfer of money” Jenis Layanan E-Payment • Electronic banking – Bukan uang baru – Hanya cara untuk mengakses servis bank biasa • Stored value systems (cards) – Uang baru – Alternatif dari mata uang yang dikeluarkan oleh pemerintah Contoh-contoh E-payment • Micropayment, millicent • E-wallet, virtual wallet, EMV electronic purse • E-cash, digicash, cybercash, iKP • Electronic cheque, FSTC • First Virtual • Smartcard-based e-payment Standard Paper Checks Consumer (1) pay Merchant (payer) (payee) (6) statement (2) endorse (5) report (3) present Consumer’s Merchant’s bank bank (4) clear Credit Card Transaction Consumer Presents card Merchant Seeks and receives authorization Submit Authorization transaction system for settlement Consumer’s] Merchant’s Card-issuing Acquirer bank Settlement system bank
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