PENGEMBANGAN BISNIS PAYMENT GATEWAY DENGAN METODE PAYMENT BY HAND
DOI:
https://doi.org/10.32509/jmb.v5i2.6108Keywords:
payment gateway, payment by hand, teknologi biometrik, biaya administrasi rendah.Abstract
Ease of transaction is a desire of users of financial technology services. This business plan offers a service that facilitates transactions using biometric technology in the form of hand-held payments. Hand Solution not only offers ease of transactions using biometric technology but also offers payment transaction services with low administration fees of up to 0 rupiah. Hand-held payments have an IFE analysis score of 3.28 and an EFE analysis score of 3.37. Hand-held payments' competitive strength, based on the Porter's 5 Forces analysis, is 2.34. The strategic plan assessment results based on the IE matrix analysis are in cell 1, indicating that the company must implement appropriate strategies to run its business through strategic intensification in the form of market development and product development.
Based on Porter's generic strategy, PT Hand Solution chose a differentiation strategy because it has a market strategy in the financial technology industry in the form of product innovation using biometric technology that does not yet exist in other payment methods. The marketing plan used by PT Hand Solution focuses on B2B and B2C to provide payment gateways. The operational plan used by PT Hand Solution is with an attractive UI/UX design that is responsive and easy to use by users. The human capital plan used by PT Hand Solution focuses on excellent service with responsive service. The financial plan used by PT Hand Solution is by considering the costs required during running the company's operations. Risk management from PT Hand uses ISO 31000:2018.
Kemudahan dalam bertransaksi merupakan keinginan para pengguna layanan financial technology. Perencanaan bisnis ini menawarkan sebuah layanan kemudahan dalam bertransaksi menggunakan teknologi biometrik berupa payment by hand. Hand Solution tidak hanya menawarkan kemudahan dalam bertransaksi menggunakan teknologi biometrik, namun juga menawarkan layanan transaksi pembayaran dengan biaya administrasi yang rendah hingga 0 rupiah. Payment by hand menyajikan analisis IFE dengan nilai 3,28 dan nilai analisis EFE sebesar 3,37. Kekuatan bersaing yang dimiliki oleh payment by hand berdasarkan hasil analisis dari Porters 5 Forces dengan nilai 2,34. Hasil penilaian strategic plan berdasarkan analisis IE matrix berada pada posisi sel I yang menandakan bahwa perusahaan harus melakukan strategi yang tepat untuk menjalankan usahanya melalui strategi intensif berupa pengembangan pasar dan pengembangan produk. Berdasarkan porter’s generic strategy, PT Hand Solution memilih strategi differentiation karena memiliki strategi menggarap pasar pada industry financial technology tersebut berupa inovasi produk dengan menggunakan teknologi biometrik yang belum ada pada metode pembayaran lainnya. Marketing plan yang digunakan oleh PT Hand Solution berfokus pada B2B dan B2C untuk menyediakan payment gateaway. Operational plan yang digunakan oleh PT Hand Solution adalah dengan desain UI/UX yang menarik serta responsif dan mudah digunakan oleh pengguna. Human capital plan yang digunakan oleh PT Hand Solution berfokus pada service excellent dengan pelayanan yang cepat tanggap. Financial plan yang digunakan oleh PT Hand Solution adalah dengan mempertimbangkan biaya-biaya yang dibutuhkan selama menjalankan operasional perusahaan. Manajemen risiko dari PT Hand meggunakan ISO
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