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The advantages and analysis of the location of branchless banking in urban and rural areas in Yogyakarta Special Region, Indonesia
[journal article]
Abstract Branchless banking is a banking service based on ICT, one of which is an agent.
This service can be found in both urban and rural areas. This research aims at identifying
the existence and advantages of agents-based branchless banking. The locations of
branchless banking agents was also analyzed ... view more
Branchless banking is a banking service based on ICT, one of which is an agent.
This service can be found in both urban and rural areas. This research aims at identifying
the existence and advantages of agents-based branchless banking. The locations of
branchless banking agents was also analyzed to explore the spatial pattern. This research
applies a quantitative method. Agents and customers are selected by undergoing a survey.
The data are obtained by structurally interviewing agents on the kinds of services they
provide and the benefits of services for customers. Meanwhile, an accidental sampling
technique is used to select customers. Besides, spatial analysis is applied using kernel
density analysis and accessibility analysis. The result of the research shows that the
advantages of branchless banking through agent alter the perception of spatial benefits to
access banking services. The space for banking services is in the same place for other
purposes such as business units and home. In urban areas, the making use of agents is
mainly based on the factors of being closely located and easy to access. Meanwhile, in
suburban and rural areas, conveniences are of primary consideration to make use of
agents. Concerning the geographical field, location plays an essential role in the
substantial changes related to the spatial functions of economic services, mainly banking
services, which are not always located in downtown areas. On the contrary, it is possible to
locate economic services in rural areas, with the help of ICT-based services. The result of
the analysis shows that banks do not optimally consider location, range and service area
for branchless banking represented by agents.... view less
Keywords
bank; location; municipal area; rural area; Indonesia; Southeast Asia
Classification
Economic Sectors
Free Keywords
branchless banking; agents
Document language
English
Publication Year
2019
Page/Pages
p. 53-68
Journal
Journal of Urban and Regional Analysis, 11 (2019) 1
ISSN
2067-4082
Status
Published Version; peer reviewed