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Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
Cheque & Giro Process Analysis
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Cheque & Giro Process Analysis

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This is my personal analysis about cheque & giro process in Indonesian banc

This is my personal analysis about cheque & giro process in Indonesian banc

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  • 1. Check & Giro Clearing Process Personal Analysis about Clearing Processes in Indonesian Banc
  • 2. List of View <ul><li>Current Processes </li></ul><ul><ul><li>Current Flowchart </li></ul></ul><ul><ul><li>Non-Value added Activities </li></ul></ul><ul><ul><li>Value added Activities </li></ul></ul><ul><ul><li>Control </li></ul></ul><ul><li>Future –Automated Workflow- Processes </li></ul><ul><ul><li>Future Flowchart </li></ul></ul><ul><ul><li>Non-Value added Activities </li></ul></ul><ul><ul><li>Value added Activities </li></ul></ul><ul><ul><li>Control </li></ul></ul>END
  • 3. Map of Current Processes 1 2 3 4 BACK
  • 4. Map of Current Processes Part -1- BACK
  • 5. Map of Current Processes Part -2- BACK
  • 6. Map of Current Processes Part -3- BACK
  • 7. Map of Current Processes Part -4- BACK
  • 8. Current Non-Value added Activities <ul><li>3 proses checking manual untuk menghitung jumlah & jumlah nominal slip, Cek / Giro, dan Encode. </li></ul><ul><li>3 proses checking ini diulang terus sampai jumlah nominal sama & tak ada kekeliruan perhitungan manual, padahal Teller sudah membuat validasi berupa inputan ke sistem lokal. </li></ul><ul><li>Otorisator Approval </li></ul><ul><li>Approval seharusnya tidak perlu karena asalkan jumlah nominal Cek / Giro sudah sesuai validasi dari Teller, seharusnya Process Staff bisa langsung berangkat ke B.I tanpa menunggu evaluasi & approval lagi. </li></ul>BACK
  • 9. Current Value added Activities <ul><li>Teller Validation Process </li></ul><ul><li>Untuk mensahkan Cek / Giro yang akan diproses </li></ul><ul><li>Encode Process </li></ul><ul><li>Untuk Hard-Coding pada lembar Cek / Giro sehingga dapat dibaca Reader untuk Sistem Kliring Nasional. </li></ul><ul><li>Input to System Kliring Nasional </li></ul><ul><li>Untuk mencatat peredaran Cek / Giro yang sudah lolos pemeriksaan </li></ul><ul><li>Warkat + Data Clearing Penyerahan </li></ul><ul><li>Untuk pendataan & bukti fisik proses Penyerahan Kliring </li></ul><ul><li>Warkat + Data Clearing Penerimaan </li></ul><ul><li>Untuk pendataan & bukti fisik proses Penerimaan Kliring </li></ul><ul><li>Warkat + Data Clearing Pengembalian </li></ul><ul><li>Untuk pendataan & bukti fisik proses Pengembalian Kliring </li></ul>BACK
  • 10. Current Controls <ul><li>Feedforward </li></ul><ul><ul><li>Teller Validation </li></ul></ul><ul><ul><li>Jumlah Nominal Slip </li></ul></ul><ul><ul><li>Jumlah Nominal Cek / Giro </li></ul></ul><ul><ul><li>Jumlah Nominal Encode </li></ul></ul><ul><ul><li>Otorisator Approval </li></ul></ul><ul><ul><li>All of above process has the same meaning, ‘to get standardized Cek/Giro based on BI standard and to get the exact nominal of those batch Cek/Giro. </li></ul></ul><ul><li>Concurrent </li></ul><ul><ul><li>Time limit at 10.00 and 14.30 </li></ul></ul><ul><ul><li>To accumulating all of banc representative to hold clearing process. </li></ul></ul><ul><ul><li>Laporan selisih </li></ul></ul><ul><ul><li>Used to calculate & get all lost Cek/Giro (because of Warkat machine failure) </li></ul></ul><ul><li>Feedback </li></ul><ul><ul><li>Cek/Giro tolakan </li></ul></ul><ul><ul><li>Contain list of Cek/Giro that refuse to approve because of some cause (exp:saldo tidak cukup). </li></ul></ul><ul><ul><li>Kliring Pengembalian </li></ul></ul><ul><ul><li>For re-balancing banc account at BI, caused by Cek/Giro tolakan. </li></ul></ul>BACK
  • 11. Map of Future Processes 1 2 BACK
  • 12. Map of Future Processes Part -1- BACK
  • 13. Map of Future Processes Part -2- BACK
  • 14. Future Non-Value added Activities <ul><li>For this new flowchart , all of non-value added activities had been remove to keep process simple and efficient (process between customer/nasabah, their banc, receiver banc and National Banc (B.I)). </li></ul><ul><li>Exp: </li></ul><ul><li>3 process of checking in back office has been eliminate, because customer has doing all of the process needed by him/her self, then the new system will complete the rest process. </li></ul><ul><li>Otorisator Approval has been replaced by the new system that will check everything based on B.I standard. </li></ul>BACK
  • 15. Future Value added Activities <ul><li>In this new Flowchart, all of `OLD PROCESS` value added activities has been improved to be simple and efficient process </li></ul><ul><li>Exp: </li></ul><ul><li>Teller Validation process has been improved, where customer/nasabah will do the validation process in their banc,with small mobile application which is connected to their banc system and accessing their account data to doing Clearing transaction. </li></ul><ul><li>Encode process and Input to Sistem Kliring Nasional improved, where the new system online connected to their banc system, National Banc system (B.I system) and receiver banc system. This new system will tell each other to Re-balancing each account for this Clearing Process. </li></ul><ul><li>Warkat + Data Clearing Penyerahan, Penerimaan & Pengembalian has been removed. This new system doesn’t need physical item like warkat because all is data handled. Because this new system connected to all of banc system, there is no need for Data Clearing, for every system will automatically doing Re-balancing account when involving in Clearing transaction. </li></ul>BACK
  • 16. Future Controls <ul><li>There always been control in the new system, to anticipating human error (customer/nasabah still human after all). </li></ul><ul><li>Feed Forward </li></ul><ul><li>Login Process , will check for username & password required to open account information. </li></ul><ul><li>Biomatrix validation , such as finger print or retino-scan, will check customer validity. </li></ul><ul><li>Concurrent </li></ul><ul><li>Checking if Clearing nominal < saldo nominal , this process will make sure that customer had enough saldo to be transfer in Clearing Transaction. </li></ul><ul><li>Checking Destination Account , this process needed to ensure that customer input the right number of receiver’s account. This process also to ensure that receiver’s account is on right condition to receive Clearing Transaction. </li></ul><ul><li>Feedback </li></ul><ul><li>Clearing process confirmation on customer/nasabah screen .This action will tell customer about their Clearing Process status. </li></ul><ul><li>Clearing process confirmation on receiver screen . This action will tell receiver about Clearing Process that had been done on their account sometimes ago. </li></ul>BACK
  • 17. ~ End of Presentation ~

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