Non-Interest Income Growth Strategy: Mengembangkan Produk dan Layanan untuk Meningkatkan Fee-Based Income
Non-Interest Income Growth Strategy: Mengembangkan Produk dan Layanan untuk Meningkatkan Fee-Based Income
Deskripsi
Pelatihan ini dirancang untuk meningkatkan kemampuan Divisi Dana dan Jasa Perbankan dalam mengembangkan strategi Non-Interest Income (NII) melalui optimalisasi produk dan layanan perbankan berbasis fee. Di tengah persaingan perbankan yang semakin ketat, peningkatan pendapatan tidak hanya bergantung pada interest income, tetapi juga pada kemampuan bank mengembangkan sumber pendapatan non-bunga yang berkelanjutan.
Peserta akan mempelajari strategi pengembangan fee-based products and services, mulai dari identifikasi sumber fee income, analisis kebutuhan nasabah, product innovation, pricing, transaction banking, payment services, cash management, digital banking, hingga cross-selling dan up-selling. Pelatihan juga membahas bagaimana mengukur profitability dan performance dari setiap produk jasa untuk menentukan strategi optimalisasi pendapatan.
Tujuan
- Memahami konsep dan sumber Non-Interest Income perbankan.
- Mengidentifikasi peluang peningkatan fee-based income.
- Mengembangkan produk dan layanan yang menghasilkan fee income.
- Menentukan pricing dan strategi monetisasi layanan.
- Meningkatkan transaksi dan customer utilization.
- Mengoptimalkan cross-selling dan up-selling.
- Mengevaluasi profitability produk dan layanan perbankan.
Materi
- Non-Interest Income & Fee-Based Income Strategy
- Konsep Non-Interest Income
- Fee-based income dalam model bisnis bank
- Perbedaan interest income dan non-interest income
- Sumber utama fee-based income
- Strategi diversifikasi pendapatan bank
- Peran fee income terhadap profitability
- Mapping & Analysis of Fee-Based Income
- Identifikasi sumber fee income
- Revenue mapping produk dan layanan
- Analisis contribution setiap produk
- Fee income growth analysis
- Identifikasi produk dengan high-potential fee
- Benchmarking fee-based income
- Customer & Market Analysis
- Customer segmentation
- Customer needs dan pain points
- Transaction behavior
- Customer profitability
- Identifikasi unmet needs
- Market opportunity analysis
- Banking Product & Service Innovation
- Product innovation strategy
- Pengembangan produk jasa berbasis kebutuhan nasabah
- Transaction banking products
- Payment services
- Cash management
- Collection dan disbursement services
- Value-added banking services
- Digital Banking & Payment Services
- Digital banking sebagai sumber fee income
- Digital transaction services
- Payment ecosystem
- QRIS dan payment services
- Transfer dan remittance services
- API/Open Banking services
- Strategi meningkatkan digital transaction volume
- Cash Management & Transaction Banking
- Konsep cash management
- Collection services
- Payment services
- Payroll services
- Virtual account
- Cash pooling
- Corporate transaction banking
- Fee Pricing Strategy
- Prinsip pricing produk jasa
- Cost-based pricing
- Value-based pricing
- Competitive pricing
- Transaction fee structure
- Pricing differentiation
- Strategi meningkatkan revenue tanpa mengurangi customer value
- Cross-Selling & Up-Selling Strategy
- Identifikasi customer opportunity
- Product bundling
- Cross-selling produk dana dan jasa
- Up-selling layanan premium
- Relationship-based selling
- Customer lifetime value
- Strategi meningkatkan share of wallet
- Customer Experience & Service Utilization
- Customer experience dalam banking services
- Customer journey
- Service convenience
- Digital customer experience
- Meningkatkan customer engagement
- Meningkatkan transaction frequency
- Customer retention
- Fee-Based Income Profitability Analysis
- Revenue dan cost analysis
- Direct dan indirect cost
- Product profitability
- Transaction profitability
- Customer profitability
- Break-even analysis
- Return on product investment
- Sales & Distribution Strategy
- Branch-based services
- Digital channels
- Relationship manager
- Bancassurance dan partnership
- Agent/channel-based services
- Omnichannel distribution
- Strategi meningkatkan product penetration
- Risk, Compliance & Governance
- Operational risk dalam fee-based services
- Fraud risk
- Consumer protection
- Transparansi biaya dan tarif
- Product governance
- Regulatory compliance
- Monitoring dan control
- Fee-Based Income Growth & Performance Management
- Penetapan KPI fee income
- Transaction volume
- Customer acquisition
- Fee income per customer
- Product utilization rate
- Monitoring performance
- Strategy review dan improvement
Peserta
Divisi Product Development
Divisi Transaction Banking
Divisi Business Development
Divisi Marketing
Divisi Retail Banking
Divisi Corporate Banking
Divisi Strategic Planning
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