Check & Giro Clearing ProcessCheck & Giro Clearing ProcessPersonal Analysis about Clearing Processes in Personal Analysis about Clearing Processes in

Indonesian BancIndonesian Banc

List of ViewList of View

Current ProcessesCurrent Processes Current FlowchartCurrent Flowchart Non-Value added ActivitiesNon-Value added Activities Value added ActivitiesValue added Activities ControlControl

Future –Automated Workflow- ProcessesFuture –Automated Workflow- Processes Future FlowchartFuture Flowchart Non-Value added ActivitiesNon-Value added Activities Value added ActivitiesValue added Activities ControlControl

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Map of Current ProcessesMap of Current Processes

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Map of Current Processes Part -1-Map of Current Processes Part -1-

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Map of Current Processes Part -2-Map of Current Processes Part -2-

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Map of Current Processes Part -3-Map of Current Processes Part -3-

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Map of Current Processes Part -4-Map of Current Processes Part -4-

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Current Non-Value added ActivitiesCurrent Non-Value added Activities 3 proses checking manual untuk menghitung jumlah & jumlah nominal 3 proses checking manual untuk menghitung jumlah & jumlah nominal

slip, Cek / Giro, dan Encode.slip, Cek / Giro, dan Encode. 3 proses checking ini diulang terus sampai jumlah nominal sama & tak 3 proses checking ini diulang terus sampai jumlah nominal sama & tak

ada kekeliruan perhitungan manual, padahal Teller sudah membuat ada kekeliruan perhitungan manual, padahal Teller sudah membuat validasi berupa inputan ke sistem lokal. validasi berupa inputan ke sistem lokal.

Otorisator ApprovalOtorisator Approval Approval seharusnya tidak perlu karena asalkan jumlah nominal Cek / Approval seharusnya tidak perlu karena asalkan jumlah nominal Cek /

Giro sudah sesuai validasi dari Teller, seharusnya Process Staff bisa Giro sudah sesuai validasi dari Teller, seharusnya Process Staff bisa langsung berangkat ke B.I tanpa menunggu evaluasi & approval lagi.langsung berangkat ke B.I tanpa menunggu evaluasi & approval lagi.

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Current Value added ActivitiesCurrent Value added Activities Teller Validation ProcessTeller Validation Process Untuk mensahkan Cek / Giro yang akan diprosesUntuk mensahkan Cek / Giro yang akan diproses Encode ProcessEncode Process Untuk Hard-Coding pada lembar Cek / Giro sehingga dapat dibaca Reader Untuk Hard-Coding pada lembar Cek / Giro sehingga dapat dibaca Reader

untuk Sistem Kliring Nasional.untuk Sistem Kliring Nasional. Input to System Kliring NasionalInput to System Kliring Nasional Untuk mencatat peredaran Cek / Giro yang sudah lolos pemeriksaanUntuk mencatat peredaran Cek / Giro yang sudah lolos pemeriksaan Warkat + Data Clearing PenyerahanWarkat + Data Clearing Penyerahan Untuk pendataan & bukti fisik proses Penyerahan KliringUntuk pendataan & bukti fisik proses Penyerahan Kliring Warkat + Data Clearing PenerimaanWarkat + Data Clearing Penerimaan Untuk pendataan & bukti fisik proses Penerimaan KliringUntuk pendataan & bukti fisik proses Penerimaan Kliring Warkat + Data Clearing PengembalianWarkat + Data Clearing Pengembalian Untuk pendataan & bukti fisik proses Pengembalian KliringUntuk pendataan & bukti fisik proses Pengembalian Kliring

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Current ControlsCurrent Controls FeedforwardFeedforward

Teller ValidationTeller Validation Jumlah Nominal SlipJumlah Nominal Slip Jumlah Nominal Cek / GiroJumlah Nominal Cek / Giro Jumlah Nominal EncodeJumlah Nominal Encode Otorisator ApprovalOtorisator Approval All of above process has the same meaning, ‘to get standardized Cek/Giro based on 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.BI standard and to get the exact nominal of those batch Cek/Giro. ConcurrentConcurrent

Time limit at 10.00 and 14.30 Time limit at 10.00 and 14.30 To accumulating all of banc representative to hold clearing process.To accumulating all of banc representative to hold clearing process. Laporan selisih Laporan selisih Used to calculate & get all lost Cek/Giro (because of Warkat machine failure)Used to calculate & get all lost Cek/Giro (because of Warkat machine failure)

FeedbackFeedback Cek/Giro tolakanCek/Giro tolakan Contain list of Cek/Giro that refuse to approve because of some cause (exp:saldo Contain list of Cek/Giro that refuse to approve because of some cause (exp:saldo

tidak cukup).tidak cukup). Kliring PengembalianKliring Pengembalian For re-balancing banc account at BI, caused by Cek/Giro tolakan.For re-balancing banc account at BI, caused by Cek/Giro tolakan.

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Map of Future ProcessesMap of Future Processes

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Map of Future Processes Part -1-Map of Future Processes Part -1-

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Map of Future Processes Part -2-Map of Future Processes Part -2-

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Future Non-Value added ActivitiesFuture Non-Value added Activities

For this new flowchart , all of non-value added activities had been For this new flowchart , all of non-value added activities had been remove to keep process simple and efficient (process between remove to keep process simple and efficient (process between customer/nasabah, their banc, receiver banc and National Banc (B.I)).customer/nasabah, their banc, receiver banc and National Banc (B.I)).

Exp:Exp: 3 process of checking in back office3 process of checking in back office has been eliminate, because has been eliminate, because

customer has doing all of the process needed by him/her self, then the customer has doing all of the process needed by him/her self, then the new system will complete the rest process.new system will complete the rest process.

Otorisator Approval Otorisator Approval has been replaced by the new system that will has been replaced by the new system that will check everything based on B.I standard.check everything based on B.I standard.

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Future Value added ActivitiesFuture Value added Activities In this new Flowchart, all of `OLD PROCESS` value added activities In this new Flowchart, all of `OLD PROCESS` value added activities

has been improved to be simple and efficient processhas been improved to be simple and efficient process

Exp:Exp: Teller Validation processTeller Validation process has been improved, where has been improved, where

customer/nasabah will do the validation process in their banc,with customer/nasabah will do the validation process in their banc,with small mobile application which is connected to their banc system and small mobile application which is connected to their banc system and accessing their account data to doing Clearing transaction.accessing their account data to doing Clearing transaction.

Encode processEncode process and and Input to Sistem Kliring NasionalInput to Sistem Kliring Nasional improved, where improved, where the new system online connected to their banc system, National Banc the new system online connected to their banc system, National Banc system (B.I system) and receiver banc system. This new system will system (B.I system) and receiver banc system. This new system will tell each other to Re-balancing each account for this Clearing Process.tell each other to Re-balancing each account for this Clearing Process.

Warkat + Data Clearing Penyerahan, Penerimaan & PengembalianWarkat + Data Clearing Penyerahan, Penerimaan & Pengembalian has been removed. This new system doesn’t need physical item like has been removed. This new system doesn’t need physical item like warkat because all is data handled. Because this new system warkat because all is data handled. Because this new system connected to all of banc system, there is no need for Data Clearing, for connected to all of banc system, there is no need for Data Clearing, for every system will automatically doing Re-balancing account when every system will automatically doing Re-balancing account when involving in Clearing transaction. involving in Clearing transaction.

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Future ControlsFuture Controls There always been control in the new system, to anticipating human error There always been control in the new system, to anticipating human error

(customer/nasabah still human after all).(customer/nasabah still human after all).

Feed ForwardFeed Forward Login ProcessLogin Process, will check for username & password required to open account , will check for username & password required to open account

information.information. Biomatrix validationBiomatrix validation, such as finger print or retino-scan, will check customer , such as finger print or retino-scan, will check customer

validity.validity.

ConcurrentConcurrent Checking if Clearing nominal < saldo nominalChecking if Clearing nominal < saldo nominal, this process will make sure that , this process will make sure that

customer had enough saldo to be transfer in Clearing Transaction. customer had enough saldo to be transfer in Clearing Transaction. Checking Destination AccountChecking Destination Account, this process needed to ensure that customer , this process needed to ensure that customer

input the right number of receiver’s account. This process also to ensure that 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. receiver’s account is on right condition to receive Clearing Transaction.

FeedbackFeedback Clearing process confirmation on customer/nasabah screenClearing process confirmation on customer/nasabah screen.This action will tell .This action will tell

customer about their Clearing Process status.customer about their Clearing Process status. Clearing process confirmation on receiver screenClearing process confirmation on receiver screen. This action will tell receiver . This action will tell receiver

about Clearing Process that had been done on their account sometimes ago.about Clearing Process that had been done on their account sometimes ago.

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