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ELECTRONIC CHECK
SERVICE
COSA ARANDA (04213130)
ICHWANUL ARIF (04210055)

ACHMAD AFFANDI (04210040)
Sebagian pengeluaran di US menggunakan
rekening cek  ± 36 juta cek / tahun

REASON FOR CONVERSION

++

Cek kertas melalui banyak
pemeriksaan dari lembaga
keuangan  butuh waktu
lama

The
Reason

Cek kertas rawan
penipuan  membuang
waktu dan merugikan
retailer

Pengguna

Mayoritas pelanggan retailer
membayar dengan cek

Retailer
$$$

Efisien
BENEFIT FOR RETAILER
Relasi
Satu Bank
Biaya
Berkurang

Akses
Dana
Cepat

Resiko
Berkurang

$$$

Laporan
Lebih Baik
CHANGE DRIVERS

1.3 Juta

Memperbolehkan penerima cek asli untuk membuat
versi digital dari cek asli tersebut (cheque truncation)

Check 21 Act

Biaya Storage
Menurun, Kecepatan

Melegalkan
Electronic Check (E-Check)
E-check dan
Penggunaan E-check

CPU Meningkat

14 Juta
Pembayaran yang dilakukan melalui jaringan internet

Kemajuan Teknologi
Cek Kertas format elektrik dan berfungsi / bertujuan sama
dalam
Diproses Pada dengan pembayaran konvensional
Digital Imaging dan
Tahun 2013

Character Recognition
ECS SOLUTION OFFERING
Consumer checks
Business Checks
Solusi
Corporate Checks
Lengkap
Convenience Checks
&

NOVA’S ECS

Fleksibel

Point of Sales (POP)
Mail / Dropbox (ARC)

Solusi Lengkap & Fleksibel
Dapat menerima segala jenis cek
Dapat disajikan dengan cara apapun
Dapat melalui banyak jalur
Memiliki perlindungan terhadap resiko

Laporan
Lengkap

Kerjasama
Institusi
Keuangan

Nova’s
Direct DDA Access
ACH Conversion
Check Replacement Document

ConversionRuang Guarantee
with
Penyimpanan
Conversion with Verification and Collection
Luas
Conversion with Verification
Conversion Only
ECS TRANSACTION PROCESS
ECS PROCESSING SOLUTIONS
MEDIA & SERVICES

ATM

E-Banking

Debit / Credit
Card

Direct Deposit &
Direct Payment

Direct Payment

Electronic bill
Presentment and
Payment (EBPP)

Electronic Check
Conversion

Electronic Fund
Transfer (EFT)

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Electronic Check Service

  • 1. ELECTRONIC CHECK SERVICE COSA ARANDA (04213130) ICHWANUL ARIF (04210055) ACHMAD AFFANDI (04210040)
  • 2. Sebagian pengeluaran di US menggunakan rekening cek  ± 36 juta cek / tahun REASON FOR CONVERSION ++ Cek kertas melalui banyak pemeriksaan dari lembaga keuangan  butuh waktu lama The Reason Cek kertas rawan penipuan  membuang waktu dan merugikan retailer Pengguna Mayoritas pelanggan retailer membayar dengan cek Retailer $$$ Efisien
  • 3. BENEFIT FOR RETAILER Relasi Satu Bank Biaya Berkurang Akses Dana Cepat Resiko Berkurang $$$ Laporan Lebih Baik
  • 4. CHANGE DRIVERS 1.3 Juta Memperbolehkan penerima cek asli untuk membuat versi digital dari cek asli tersebut (cheque truncation) Check 21 Act Biaya Storage Menurun, Kecepatan Melegalkan Electronic Check (E-Check) E-check dan Penggunaan E-check CPU Meningkat 14 Juta Pembayaran yang dilakukan melalui jaringan internet Kemajuan Teknologi Cek Kertas format elektrik dan berfungsi / bertujuan sama dalam Diproses Pada dengan pembayaran konvensional Digital Imaging dan Tahun 2013 Character Recognition
  • 6. Consumer checks Business Checks Solusi Corporate Checks Lengkap Convenience Checks & NOVA’S ECS Fleksibel Point of Sales (POP) Mail / Dropbox (ARC) Solusi Lengkap & Fleksibel Dapat menerima segala jenis cek Dapat disajikan dengan cara apapun Dapat melalui banyak jalur Memiliki perlindungan terhadap resiko Laporan Lengkap Kerjasama Institusi Keuangan Nova’s Direct DDA Access ACH Conversion Check Replacement Document ConversionRuang Guarantee with Penyimpanan Conversion with Verification and Collection Luas Conversion with Verification Conversion Only
  • 9. MEDIA & SERVICES ATM E-Banking Debit / Credit Card Direct Deposit & Direct Payment Direct Payment Electronic bill Presentment and Payment (EBPP) Electronic Check Conversion Electronic Fund Transfer (EFT)