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Model of Agents-Based Branchless Banking Services Development in Urban and Rural Area

Indonesian Journal of Geography · Vol. 52 No. 1 (2020) · pp. 69–79

DOI
10.22146/ijg.48452
ISSN
2354-9114, 0024-9521
Published
2020-04-28
Publisher
Faculty of Geography, Universitas Gadjah Mada
Language
eng
License
creativecommons.org/licenses/by-nc/4.0

Abstract

The banking sector has experienced a far leap related to Information Communication and Technology (ICT)-based services. Among them is e-banking that has been used by the community, especially in urban areas. Likewise, the use of ATMs can be used to provide banking services to the wider community, so that it can replace most of the functions of services in banks. However, in communities outside of urban areas such as rural communities there are still limitations in accessing e-banking and ATM services. Limited use of e-banking because this service must use internet media or smart phones to access. Meanwhile, the limited use of ATMs due to the availability of ATMs in rural areas is not as much as in urban areas, considering that rural areas are areas with low settlement densities. Today, banks in Indonesia have provided branchless banking by enabling agents. Branchless banking is found in urban, suburban and rural areas. In previous research, the existence of branchless banking in the form of agents and their utilization by customers has been identified. From previous studies, maps of agent and customer density and analysis related to the condition of regional accessibility have been produced. This research is a further study focusing on sub districts area with high agent density in both rural, suburban and urban areas. The purpose of this research is to analyze the development model of agent-based branchless banking services. Data was collected through primary data through observation, structured interviews and measurement of coordinates of the location of agents and banking services in the form of ATMs and Banks. The final result is expected to be used as a model for the development of branchless banking services in Indonesia.

Keywords

Collaboration network of the authors

33 authors · 92 co-authorship links · 39 across different organisations

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Universitas Gadjah Mada
  • Australian National University
  • Binus University
  • Sebelas Maret University
  • Diponegoro University
  • Laboratoire de Géographie Physique
  • University of Bucharest
  • Other organisations
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
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Co-authorOrganisationJoint articles
Estuning Tyas Wulan MeiUniversitas Gadjah Mada3
Charina Vertinia BudiartiUniversitas Gadjah Mada2
Rizki Adriadi GhiffariUniversitas Gadjah Mada2
Amandita Ainur RohmahUniversitas Gadjah Mada2
Ahmad Maulin NaufaBinus University1
Tastaftiyan RisfandySebelas Maret University1
Bimo SaktiawanUniversitas Gadjah Mada1
Resfita DewiUniversitas Gadjah Mada1
Diana FebritaUniversitas Gadjah Mada1
Estin SulistyaniUniversitas Gadjah Mada1
Bitta PigawatiDiponegoro University1
Ach. Firyal WijdaniUniversitas Gadjah Mada1
Maryam QonitaUniversitas Gadjah Mada1
Novirene TaniaUniversitas Gadjah Mada1
Nur Mohammad FardaUniversitas Gadjah Mada1
Ryanto RijantaUniversitas Gadjah Mada1
Sara Dwi KumiartoAffiliation unknown1
Imam Setyo HartantoAffiliation unknown1
Dariya Nawar SalmaUniversitas Gadjah Mada1
Eko HaryonoUniversitas Gadjah Mada1
Hilary ReinhartUniversitas Gadjah Mada1
Thas SaralahAustralian National University1
Hanindha PradipaAustralian National University1
Idea Wening NuraniLaboratoire de Géographie Physique1
Angelo Andi PetreUniversity of Bucharest1
Iswari Nur HidayatiUniversitas Gadjah Mada1
Slamet SuprayogiUniversitas Gadjah Mada1
Alwin AlwinUniversitas Gadjah Mada1
Novita Kusuma MaharaniUniversitas Muhammadiyah Prof Dr Hamka1
Stenfri Loy PandiaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) http://jurnal.ugm.ac.id/ijg/oai, first harvested 8 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">Model of Agents-Based Branchless Banking Services Development in Urban and Rural Area</dc:title>
	<dc:creator>Rachmawati, Rini</dc:creator>
	<dc:creator>Farda, Nur Muhammad</dc:creator>
	<dc:creator>Setiyono, Bowo</dc:creator>
	<dc:subject xml:lang="en-US"></dc:subject>
	<dc:subject xml:lang="en-US">Model; Branchless Banking; Urban; Rural</dc:subject>
	<dc:subject xml:lang="en-US"></dc:subject>
	<dc:description xml:lang="en-US">The banking sector has experienced a far leap related to Information Communication and Technology (ICT)-based services. Among them is e-banking that has been used by the community, especially in urban areas. Likewise, the use of ATMs can be used to provide banking services to the wider community, so that it can replace most of the functions of services in banks. However, in communities outside of urban areas such as rural communities there are still limitations in accessing e-banking and ATM services. Limited use of e-banking because this service must use internet media or smart phones to access. Meanwhile, the limited use of ATMs due to the availability of ATMs in rural areas is not as much as in urban areas, considering that rural areas are areas with low settlement densities. Today, banks in Indonesia have provided branchless banking by enabling agents. Branchless banking is found in urban, suburban and rural areas. In previous research, the existence of branchless banking in the form of agents and their utilization by customers has been identified. From previous studies, maps of agent and customer density and analysis related to the condition of regional accessibility have been produced. This research is a further study focusing on sub districts area with high agent density in both rural, suburban and urban areas. The purpose of this research is to analyze the development model of agent-based branchless banking services. Data was collected through primary data through observation, structured interviews and measurement of coordinates of the location of agents and banking services in the form of ATMs and Banks. The final result is expected to be used as a model for the development of branchless banking services in Indonesia. </dc:description>
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	<dc:date>2020-04-28</dc:date>
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	<dc:identifier>https://journal.ugm.ac.id/ijg/article/view/48452</dc:identifier>
	<dc:identifier>10.22146/ijg.48452</dc:identifier>
	<dc:source xml:lang="en-US">Indonesian Journal of Geography; Vol 52, No 1 (2020): Indonesian Journal of Geography; 69-79</dc:source>
	<dc:source>2354-9114</dc:source>
	<dc:source>0024-9521</dc:source>
	<dc:language>eng</dc:language>
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	<dc:rights xml:lang="en-US">Copyright (c) 2020 Authors</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by-nc/4.0</dc:rights>
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