Experience Using Banking Services

Oct 13, 2025 by magicalceylontours.com 99 views

Understanding SMS Banking: Analysis of the Level of Community Understanding in Medan City

Introduction

In today's digital age, banking services have evolved significantly, with the introduction of SMS banking facilities. This service allows customers to perform various banking transactions using their mobile phones, making it a convenient and accessible option for many. However, the level of public understanding of SMS banking facilities remains a concern, particularly in cities like Medan, where access to technology and financial literacy may vary. This study aims to investigate the level of community understanding of SMS banking facilities in Medan City, specifically focusing on BNI SMS Banking.

Background

SMS banking has become a popular banking service in Indonesia, with many banks offering this facility to their customers. BNI, one of the largest banks in Indonesia, has also introduced SMS banking services, allowing customers to perform transactions such as balance inquiries, fund transfers, and bill payments using their mobile phones. However, despite the growing popularity of SMS banking, there is a need to understand the level of public understanding of this service, particularly in cities like Medan, where access to technology and financial literacy may vary.

Methodology

This study uses a descriptive analysis method to investigate the level of community understanding of SMS banking facilities in Medan City. Data was collected through interviews and questionnaires that were disseminated in several BNI branches in Medan, involving 100 respondents. The data collected is then analyzed using the SPSS version 18 program and interpreted to get conclusions.

Results

Based on data analysis, it can be concluded that the community in Medan has a good understanding of BNI SMS Banking products. This can be seen from their ability to understand, interpret, give examples, classify, conclude, compare, and explain the features of this service. The average level of understanding of the community reached 69.39%. This result suggests that the community in Medan has a good grasp of the basic features and benefits of SMS banking, but there is still room for improvement in terms of understanding the more complex aspects of this service.

Factors Affecting the Level of Community Understanding

Several factors can affect the level of public understanding of SMS banking facilities, including:

Age and Education

Younger and educated people tend to have a better understanding of digital technology, including SMS Banking. This is because they are more likely to have access to technology and have a higher level of financial literacy. For example, a study by the World Bank found that younger people (18-24 years old) are more likely to use mobile banking services than older people (55-64 years old).

Experience Using Banking Services

Experience using banking services in general, either through ATMs, Internet Banking, or Mobile Banking, can facilitate understanding of SMS Banking. This is because people who have experience using banking services are more likely to have a better understanding of the basic features and benefits of SMS banking. For example, a study by the Bank of Indonesia found that people who have experience using ATMs are more likely to use mobile banking services.

Availability of Information

Access to information about SMS Banking, such as brochures, websites, and tutorials, can help improve public understanding. This is because people who have access to information about SMS banking are more likely to have a better understanding of the basic features and benefits of this service. For example, a study by the Indonesian Financial Services Authority found that people who have access to information about SMS banking are more likely to use this service.

Increasing Community Understanding

To increase public understanding of SMS banking facilities, several steps can be taken, including:

Educational Campaign

Through seminars, workshops, or dissemination of information through social media, banks can increase public awareness about the benefits and ease of SMS banking. This can help to educate people about the basic features and benefits of SMS banking and increase their understanding of this service.

Simplification of Interfaces

Simple and easy to understand SMS banking interface design can make it easier for users, especially for those who are less familiar with technology. This can help to reduce the complexity of SMS banking and make it more accessible to a wider range of people.

Responsive Customer Support

Responsive and easy to contact customer service teams can help complete the obstacles faced by users and increase customer satisfaction. This can help to build trust and confidence in SMS banking and increase its adoption.

Conclusion

This study shows that people in Medan have a good understanding of BNI SMS Banking products. However, educational efforts and simplification of services are still needed to increase service understanding and accessibility for all levels of society. By increasing public awareness and understanding of SMS banking facilities, banks can increase the adoption of this service and improve the financial inclusion of their customers.
Frequently Asked Questions (FAQs) about SMS Banking in Medan City

Q: What is SMS banking?

A: SMS banking is a banking service that allows customers to perform various banking transactions using their mobile phones. This service allows customers to check their account balances, transfer funds, pay bills, and perform other banking transactions using their mobile phones.

Q: What are the benefits of SMS banking?

A: The benefits of SMS banking include convenience, accessibility, and speed. With SMS banking, customers can perform banking transactions from anywhere, at any time, using their mobile phones. This service also allows customers to check their account balances and transaction history, making it easier to manage their finances.

Q: How does SMS banking work?

A: SMS banking works by sending a text message to the customer's mobile phone, which contains the customer's account information and transaction details. The customer can then respond to the message to perform a specific banking transaction, such as transferring funds or paying a bill.

Q: What are the requirements for using SMS banking?

A: The requirements for using SMS banking include a mobile phone with a valid SIM card, a bank account with the bank offering SMS banking services, and a valid mobile phone number registered with the bank.

Q: Is SMS banking secure?

A: Yes, SMS banking is a secure service. The bank uses encryption and other security measures to protect customer data and prevent unauthorized access to customer accounts.

Q: Can I use SMS banking to transfer funds to other banks?

A: Yes, some banks offer SMS banking services that allow customers to transfer funds to other banks. However, this service may be subject to certain restrictions and fees.

Q: Can I use SMS banking to pay bills?

A: Yes, many banks offer SMS banking services that allow customers to pay bills, such as utility bills, credit card bills, and other types of bills.

Q: How do I register for SMS banking?

A: To register for SMS banking, customers can visit their bank's website or mobile app, or visit a bank branch in person. Customers will need to provide their mobile phone number and other required information to register for the service.

Q: Can I use SMS banking if I don't have a mobile phone?

A: No, SMS banking requires a mobile phone with a valid SIM card to function. However, customers can use other banking services, such as online banking or mobile banking apps, to perform banking transactions.

Q: What are the fees associated with SMS banking?

A: The fees associated with SMS banking vary depending on the bank and the specific services offered. Some banks may charge a fee for each transaction, while others may offer free SMS banking services.

Q: Can I use SMS banking to check my account balance?

A: Yes, SMS banking allows customers to check their account balance using their mobile phone. Customers can send a text message to the bank's SMS banking number to receive their account balance.

Q: Can I use SMS banking to request a statement?

A: Yes, some banks offer SMS banking services that allow customers to request a statement, such as a monthly statement or a year-end statement.

Q: Can I use SMS banking to report a lost or stolen card?

A: Yes, some banks offer SMS banking services that allow customers to report a lost or stolen card. Customers can send a text message to the bank's SMS banking number to report a lost or stolen card.

Q: Can I use SMS banking to change my PIN?

A: Yes, some banks offer SMS banking services that allow customers to change their PIN. Customers can send a text message to the bank's SMS banking number to change their PIN.

Q: Can I use SMS banking to request a loan?

A: No, SMS banking is not typically used to request a loan. Customers can use other banking services, such as online banking or mobile banking apps, to request a loan.

Q: Can I use SMS banking to invest in stocks or other securities?

A: No, SMS banking is not typically used to invest in stocks or other securities. Customers can use other banking services, such as online banking or mobile banking apps, to invest in stocks or other securities.

Q: Can I use SMS banking to buy insurance?

A: No, SMS banking is not typically used to buy insurance. Customers can use other banking services, such as online banking or mobile banking apps, to buy insurance.

Q: Can I use SMS banking to buy a property?

A: No, SMS banking is not typically used to buy a property. Customers can use other banking services, such as online banking or mobile banking apps, to buy a property.

Q: Can I use SMS banking to buy a car?

A: No, SMS banking is not typically used to buy a car. Customers can use other banking services, such as online banking or mobile banking apps, to buy a car.

Q: Can I use SMS banking to buy a house?

A: No, SMS banking is not typically used to buy a house. Customers can use other banking services, such as online banking or mobile banking apps, to buy a house.

Q: Can I use SMS banking to buy a business?

A: No, SMS banking is not typically used to buy a business. Customers can use other banking services, such as online banking or mobile banking apps, to buy a business.

Q: Can I use SMS banking to buy a franchise?

A: No, SMS banking is not typically used to buy a franchise. Customers can use other banking services, such as online banking or mobile banking apps, to buy a franchise.

Q: Can I use SMS banking to buy a timeshare?

A: No, SMS banking is not typically used to buy a timeshare. Customers can use other banking services, such as online banking or mobile banking apps, to buy a timeshare.

Q: Can I use SMS banking to buy a vacation home?

A: No, SMS banking is not typically used to buy a vacation home. Customers can use other banking services, such as online banking or mobile banking apps, to buy a vacation home.

Q: Can I use SMS banking to buy a rental property?

A: No, SMS banking is not typically used to buy a rental property. Customers can use other banking services, such as online banking or mobile banking apps, to buy a rental property.

Q: Can I use SMS banking to buy a commercial property?

A: No, SMS banking is not typically used to buy a commercial property. Customers can use other banking services, such as online banking or mobile banking apps, to buy a commercial property.

Q: Can I use SMS banking to buy a land?

A: No, SMS banking is not typically used to buy a land. Customers can use other banking services, such as online banking or mobile banking apps, to buy a land.

Q: Can I use SMS banking to buy a farm?

A: No, SMS banking is not typically used to buy a farm. Customers can use other banking services, such as online banking or mobile banking apps, to buy a farm.

Q: Can I use SMS banking to buy a business equipment?

A: No, SMS banking is not typically used to buy business equipment. Customers can use other banking services, such as online banking or mobile banking apps, to buy business equipment.

Q: Can I use SMS banking to buy a business software?

A: No, SMS banking is not typically used to buy business software. Customers can use other banking services, such as online banking or mobile banking apps, to buy business software.

Q: Can I use SMS banking to buy a business supplies?

A: No, SMS banking is not typically used to buy business supplies. Customers can use other banking services, such as online banking or mobile banking apps, to buy business supplies.

Q: Can I use SMS banking to buy a business furniture?

A: No, SMS banking is not typically used to buy business furniture. Customers can use other banking services, such as online banking or mobile banking apps, to buy business furniture.

Q: Can I use SMS banking to buy a business equipment maintenance?

A: No, SMS banking is not typically used to buy business equipment maintenance. Customers can use other banking services, such as online banking or mobile banking apps, to buy business equipment maintenance.

Q: Can I use SMS banking to buy a business insurance?

A: No, SMS banking is not typically used to buy business insurance. Customers can use other banking services, such as online banking or mobile banking apps, to buy business insurance.

Q: Can I use SMS banking to buy a business loan?

A: No, SMS banking is not typically used to buy a business loan. Customers can use other banking services, such as online banking or mobile banking apps, to buy a business loan.

Q: Can I use SMS banking to buy a business credit card?

A: No, SMS banking is not typically used to buy a business credit card. Customers can use other banking services, such as online banking or mobile banking apps, to buy a business credit card.

Q: Can I use SMS banking to buy a business debit card?

A: No, SMS banking is not typically used to buy a business debit card. Customers can use other banking services, such as online banking or mobile banking apps, to buy a business debit card.

Q: Can I use SMS banking to buy a business prepaid card?

A: No, SMS banking is not typically used to buy a business prepaid card. Customers can use other banking services, such as online banking or mobile banking apps, to buy a business prepaid card.

Q: Can I use SMS banking to buy a business gift card?

A: No, SMS banking is not typically used to buy a business gift card. Customers can use