Abstract :

Technology and Digital Transformation have been growing swiftly, and the world seems borderless with the existence of the internet. This is undeniably affecting all of the industries in the world, and the banking industry is a part of it. Currently, the customer prefers to do it whenever and wherever they are, of course with the help of the internet. It also occurred in loan processing. The faster the services and processes, the more loyal the customer is to the bank, and the more profit that the bank will gain. BDI, as one of the State-Owned Companies in Banking, has been trying to transform the business process from a traditional way to a digital bank that can seamlessly accommodate all customer needs. BDI is aware that depending on loan products is not sustainable for the business; once the business in a country falls like it was at the beginning of Covid-19, the company could not avoid the negative impact, the loan quality was declining, and of course, the profit is shrinking compared to previous years. This research aims to identify BDI’s effectiveness in business banking loan processing and cross-selling activity. It will also assess which part of the business systems can be improved or even transformed into new business processes. The business process is quite complex and related to each other; for this qualitative research, the author uses the systemic design thinking method with six main processes: inquiring, framing, formulating, generating, facilitating, and reflecting. The result of the study found that the current business banking loan processing and cross-selling activity is not fully effective and not optimal to support and compete in the market. In the conclusion, author also listed some recommendations to improve the effectiveness of loan processing and cross-selling to lift the company’s profit.

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Keywords :

Cross-Selling, Digital transformation, Loan Processing, Relationship Manager, Systemic Design Thinking

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