PANDUAN PROSEDUR PENGAJUAN DAN AKTIVASI KARTU KREDIT DI ERA DIGITAL BANKING DI PT BANK RAKYAT INDONESIA (Persero) Tbk. KANTOR CABANG TELUK BETUNG KOTA BANDAR LAMPUNG

FALENCIA, SELVA SINAGA PANDUAN PROSEDUR PENGAJUAN DAN AKTIVASI KARTU KREDIT DI ERA DIGITAL BANKING DI PT BANK RAKYAT INDONESIA (Persero) Tbk. KANTOR CABANG TELUK BETUNG KOTA BANDAR LAMPUNG. [Composition]

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Abstract

Penelitian ini bertujuan mendeskripsikan prosedur pengajuan dan aktivasi kartu kredit di era digital banking pada PT Bank Rakyat Indonesia (Persero) Tbk. Kantor Cabang Teluk Betung, Bandar Lampung. Menggunakan metode deskriptif kualitatif, data dikumpulkan melalui observasi, wawancara, dan dokumentasi selama kerja praktik. Hasil penelitian menunjukkan pengajuan kartu kredit dilaksanakan melalui enam tahapan: pendaftaran, penyerahan dokumen, verifikasi awal, analisis kelayakan dengan Prinsip 5C, persetujuan, serta distribusi kartu. Aktivasi dilakukan secara mandiri melalui aplikasi BRImo. Dari 412 pengajuan periode Januari–Juni 2025, rata-rata tingkat aktivasi mencapai 72,8%. Kendala utama meliputi gangguan jaringan, aplikasi yang belum diperbarui, ketidaksesuaian data OTP, dan kurangnya literasi digital nasabah. BRI merespons dengan pembaruan sistem, peningkatan kapasitas server, dan program edukasi nasabah. Kata Kunci: kartu kredit, digital banking, BRImo. This study aims to describe the credit card application and activation procedures in the digital banking era at PT Bank Rakyat Indonesia (Persero) Tbk., Teluk Betung Branch Office, Bandar Lampung. Using a qualitative descriptive method, data were collected through observation, interviews, and documentation during a practical work internship. The findings show that credit card applications are processed through six stages: registration, document submission, initial verification, financial eligibility analysis using the 5C Principles, approval, and card delivery. Activation is carried out independently via the BRImo mobile banking application. Of 412 applications recorded from January to June 2025, the average activation rate reached 72.8%. Key obstacles included unstable internet connections, outdated application versions, OTP data mismatches, and low digital literacy among customers. BRI responded through regular system updates, server capacity improvements, and customer education programs. Keywords: credit card, digital banking, BRImo.

Item Type:	Composition
Subjects:	?? 300 ?? ?? 330 ?? ?? 332 ??
Divisions:	?? d3_keu ??
Depositing User:	2605299556 Digilib
Date Deposited:	25 Jun 2026 02:14
Last Modified:	25 Jun 2026 02:14
URI:	http://digilib.unila.ac.id/id/eprint/101437

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