Financial system design in the Asia Pacific context: costs and benefits of universal banking

The development of the financial system tends to move to a liberalized system where the geographical border vanished as well as the limitation on the function of the financial institution. The product intersection and similiarity across the bank, insurance and securiy gives the signal of the integration process into one multi-function financial institution, which in turn create a universal bank; a bank that run both bank and non-bank function.This tendency requires a stronger cooperative coordination between the bank and the non-bank regulator, yet the explicit forms of the relationships are not defined well. This papaer highlights this issue by analyzing and contrasting the perception about the bank and the non-bank institution. The aim of this paper is to provide a insight for the regulators of how to coordinate and control this unifying functional process between the bank and the non-bank institution in Indonesia.Keywords : universal banking, financial coordination, IndonesiaJEL Classification : E52, G21, G22, G28

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Perancangan Sistem Personal Financial Planner Kombinasi Api Firebase Cloud Messaging Berbasis Android

Jurnal Ilmiah ILKOMINFO - Ilmu Komputer & Informatika ◽

10.47324/ilkominfo.v4i2.126 ◽

2021 ◽

Vol 4 (2) ◽

Author(s):

Iryanto Chandra ◽

Yohanes Eka Wibawa

Keyword(s):

Young People ◽

System Design ◽

Financial Planning ◽

Financial System ◽

Android Application ◽

Financial Planner ◽

And Control ◽

People Today

Abstrak: Perencanaan keuangan sangatlah penting dalam mendukung realisasi keinginan. Tujuan dari perencanaan keuangan yaitu pengeluaran keuangan tidak lebih besar dari pendapatan sehingga dalam prosesnya membutuhkan cara untuk menjadi pribadi yang lebih sejahtera dengan mengontrol keuangannya dengan bijak dan cermat. Generasi muda saat ini masih banyak yang belum dapat merencanakan dan mengendalikan penggunaan uang untuk pencapaian tujuannya. Melakukan pengendalian dan pencatatan akan biaya pengeluaran sangat sulit karena hasil dari perencanaan keuangan tidak dapat diketahui langsung dan kurang akan informasi perbandingan harga barang. Adanya perancangan sistem keuangan yang dapat dibawa dimana saja akan mempermudah mencatat biaya pengeluaran maupun biaya pemasukan sehari-harinya serta dapat mensimulasikan perencanaan keuangan. Memanfaatkan teknologi API Firebase Cloud Messaging (FCM) untuk memberi informasi barang yang termurah dari beberapa barang keperluan, selanjutnya melakukan perencanaan keuangan dan di implementasikan pada perangkat perangkat pintar AndroidKata kunci: Firebase Cloud Messaging, Perencana Keuangan Pribadi, Simulasi Keuangan, Aplikasi AndroidAbstract: Financial planning is essential in supporting the realization of desires. The purpose of financial planning is that financial expenditures are not greater than income. The process requires a way to become a more prosperous person by controlling his finances wisely and carefully. Unfortunately, many young people today have not been able to plan and control money to achieve their goals. Controlling and recording expenditure costs is very difficult because financial planning results cannot be known directly, and there is less information on comparing prices of goods. A financial system design that can be carried anywhere will make it easier to record daily expenses and income costs and simulate financial planning—utilizing Firebase Cloud Messaging (FCM) API technology to provide information on the cheapest product from stores and with methods for financial planning and implemented on Android smart devices.Keywords: Firebase Cloud Messaging, Personal Finacial Planner, Financial Simulation Android Application.

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