BANKING INNOVATION Empirical Study: Non-Subsidized Home Ownership Credit – Dr. Ternamentha Sitepu, S.E., M.M

Home ownership for the community is a primary need. Bank BTN is one of the banks that focuses on providing Home Ownership Credit (KPR), both subsidized and non-subsidized KPR. So far, Bank BTN has obtained a market share for non-subsidized mortgages which is much lower than the market share for subsidized mortgages. Bank BTN has a lower market share for Non-Subsidized KPR compared to other competing banks. For this reason, Bank BTN must realize innovation as a new product or procedure for users in the future. Innovation is basically a product of technology and creativity. This viewpoint combines the production and dissemination of information (in human knowledge and attitudinal innovation). Highlights the role of technology in innovation and the elements of knowledge and its complexity to drive effective innovation.
Future banking operations are also heavily influenced by technological elements, which also act as drivers of industry adoption. The use, need for convenience and cost effectiveness of technology in the delivery of banking services is increasing, as is banking penetration. This means that the convenience of banking, especially investing in technology, allows banks to put banking services at consumers’ fingertips and makes it possible to manage businesses.

• Author: Dr. Ternamentha Sitepu, S.E., M.M
• ISBN: 978-623-8238-32-3
• Pages: xx| 128
• Size: 15 x 23 cm
• Year of Publication: 2023