JEFMS Journal

ABSTRACT:

The rural bank is increasingly pressured by the presence of commercial banks, foreign banks of non-bank financial institutions that place massive financing in the microcredit sector and application-based financial transactions that facilitate and pamper consumers/customers. Government policies are needed to support and protect the existence of rural banks by equalization of their status in the equivalent of commercial banks in order to be more maximal in their intermediation functions, especially in the field of microcredit. The strategy that must be done by rural bank in facing the industrial era 4.0, is: implement a reliable Core Banking System (CBS). Cooperating with other rural bank and cooperating with fintech online credit distributors who are officially registered with the OJK are strengthened by regulations that support rural bank cooperation with fintech. Innovate in digital banking services by collaborating atm networks with commercial banks as well as collaboration to issue electronic money. Service innovation must be parallel with the improvement of management and internal in terms of integrity and attitude

KEYWORDS:

Rural Bank, fintech, industry 4.0, Core Banking System

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