Strategic Transaction Banking untuk Meningkatkan Fee Based Income dan Customer Loyalty
Strategic Transaction Banking untuk Meningkatkan Fee Based Income dan Customer Loyalty
Deskripsi
Strategic Transaction Banking merupakan pendekatan strategis dalam mengembangkan hubungan nasabah melalui berbagai solusi transaksi yang mampu menghasilkan recurring fee based income sekaligus meningkatkan customer engagement. Perubahan perilaku nasabah, akselerasi digital banking, meningkatnya kebutuhan cash management, payment services, collection, disbursement, trade services, dan integrated banking solutions mendorong bank untuk tidak hanya berfokus pada lending dan funding, tetapi juga membangun transaction-based relationship yang lebih kuat. Transaction banking yang dikelola secara tepat dapat meningkatkan transaction volume, customer stickiness, cross-selling opportunity, dan share of wallet nasabah. Oleh karena itu, diperlukan pemahaman yang menyeluruh mengenai customer transaction behavior, product economics, pricing, service integration, serta strategi monetisasi transaksi agar transaction banking mampu memberikan kontribusi yang lebih besar terhadap profitability bank.
Pelatihan ini dirancang untuk memberikan pemahaman praktis mengenai bagaimana membangun strategi transaction banking yang customer-centric, commercially attractive, dan sustainable. Peserta akan mempelajari pemetaan customer transaction journey, segmentation, transaction behavior analysis, product bundling, cash management, payment ecosystem, collection, payroll, virtual account, digital transaction, serta berbagai peluang cross-selling yang dapat meningkatkan fee based income. Selain itu, pembahasan mencakup strategi pricing dan fee structure, customer acquisition, relationship deepening, customer retention, service quality, serta pemanfaatan data transaksi untuk mengidentifikasi peluang revenue secara lebih akurat. Peserta juga akan memahami bagaimana membangun transaction banking portfolio, menetapkan KPI dan profitability metrics, serta mengintegrasikan transaction banking dengan funding, lending, digital banking, dan relationship management sehingga bank mampu menciptakan recurring income sekaligus meningkatkan customer loyalty dan long-term relationship value.
Tujuan
Setelah mengikuti pelatihan ini, peserta diharapkan dapat:
- Memahami strategic role transaction banking dalam meningkatkan fee based income dan customer lifetime value.
- Mampu menganalisis customer transaction behavior dan mengidentifikasi peluang revenue dari aktivitas transaksi nasabah.
- Mampu merancang transaction banking products dan solutions yang sesuai dengan kebutuhan berbagai segmen nasabah.
- Mampu mengembangkan strategi pricing, bundling, cross-selling, dan monetisasi layanan transaksi secara optimal.
- Mampu meningkatkan customer engagement, customer stickiness, dan loyalty melalui integrated transaction banking solutions.
- Mampu menyusun transaction banking strategy, KPI, dan performance framework guna mendorong sustainable fee based income.
Materi
Materi 1. Strategic Transaction Banking Framework dan Revenue Growth
Sub Materi:
- Strategic role transaction banking dalam business dan revenue model perbankan
- Transaction banking ecosystem dan customer value proposition
- Fee based income drivers dan transaction revenue opportunities
- Transaction volume, customer stickiness, dan share of wallet
- Integration transaction banking dengan funding, lending, dan digital banking
- Strategic transaction banking operating model dan growth framework
Materi 2. Customer Transaction Behavior dan Market Opportunity Analysis
Sub Materi:
- Customer segmentation berdasarkan transaction behavior dan business needs
- Transaction journey dan customer banking activity mapping
- Analysis transaction volume, frequency, value, dan product utilization
- Identification of high-value customer dan transaction-based opportunity
- Customer profitability, wallet share, dan relationship potential
- Transaction banking opportunity mapping berdasarkan customer segment
Materi 3. Transaction Banking Products dan Integrated Solutions
Sub Materi:
- Cash management dan liquidity management solutions
- Payment, collection, virtual account, dan account-based transaction services
- Payroll, disbursement, dan corporate transaction solutions
- Digital transaction dan embedded banking opportunities
- Product bundling dan integrated transaction banking solutions
- Cross-selling transaction services dengan lending dan funding products
Materi 4. Fee Based Income, Pricing dan Monetization Strategy
Sub Materi:
- Transaction fee structure dan fee based income economics
- Pricing strategy berdasarkan customer value dan transaction intensity
- Transaction cost, profitability, dan contribution margin analysis
- Fee bundling, tiered pricing, dan volume-based pricing
- Cross-selling, upselling, dan monetization opportunity
- Pricing governance dan sustainable fee income management
Materi 5. Customer Loyalty dan Relationship Deepening
Sub Materi:
- Customer engagement dan transaction-based relationship strategy
- Customer experience dalam transaction banking services
- Increasing customer stickiness melalui integrated banking solutions
- Customer retention, churn analysis, dan loyalty drivers
- Relationship manager role dalam transaction banking penetration
- Customer data dan transaction insight untuk relationship deepening
Materi 6. Transaction Banking Performance dan Sustainable Growth
Sub Materi:
- Transaction banking KPI dan performance measurement framework
- Fee based income, transaction volume, utilization, dan customer profitability metrics
- Transaction portfolio monitoring dan performance dashboard
- Pipeline management dan transaction banking sales effectiveness
- Strategic partnership dan ecosystem-based transaction growth
- Transaction banking roadmap dan sustainable revenue improvement
Peserta
Divisi Transaction Banking
Divisi Corporate Banking
Divisi Business Development
Divisi Product Development
Divisi Marketing
Divisi Customer Experience
Divisi Treasury
Metode
• Pre Test
• Presentasi Materi
• Diskusi
• Studi Kasus
• Post Test
Fasilitas
• Training Amenities
• Peralatan Pelatihan (Tas, Hand Out, Block Note, Pulpen, Watermark)
• Sertifikat
• Souvenir
• 2x Coffee Break, 1x Lunch