© Arwin Rasyid. 2024. All rights reserved.
Designed by The Click Company
Arwin Rasyid has published papers in the form of books entitled: “180 Degrees, Inside Story Transformation of Bank Danamon” (2006) and “TELKOM 3010: Inside Story Telkom Value Creation” (2015), “Digital Banking Revolution, Lessons from CIMB Niaga Digitalization and Tips for Survival in the Fintech Era”, all written in two languages, namely: Indonesian and English.
The latest book was launched on the 14th of August, which can be seen on Youtube here and make sure to check out the books in your nearest bookstore or check out the links down below.
© Arwin Rasyid. 2024. All rights reserved. Designed by The Click Company
Digital Banking Revolution, Lessons from CIMB Niaga Digitalization and Tips for Survival in the Fintech Era
Teknologi telah mengubah kehidupan. Mengubah wajah industri dan peradaban. Tak terkecuali perbankan. Semua berawal dari kemajuan teknologi informasi dan komunikasi yang begitu pesat. Sejak era 2G berganti 3G, kemudian 4G hingga 5G, industri keuangan pun mengalami revolusi dengan lahirnya perusahaan fintech (financial technology). Tiga matra sakti perusahaan berbasis teknologi, yakni “Platform”, “Ekosistem”, dan “OmniChannel”, telah mengubah paradigma dalam berbisnisdi mana kepemilikan dan pertumbuhan aset bukan segalanya. Mendorong lahirnya fenomena perusahaan transportasi tanpa sarana transportasi, perusahaan jasa perhotelan tanpa memiliki jaringan hotel, dan lain-lain. Mereka memiliki valuasi yangsangattinggi, hingga miliaran dolar AS. Fenomena dan “tanda-tanda zaman” itu telah diprediksi jauh hari sebelumnya, saat Arwin Rasyid menjadi CEO Bank CIMB Niaga.
Alih-alih mengejar pertumbuhan aset seperti yang lazim berlaku dalam “perlombaan” industri perbankan, Arwin memilih “the less travelled road” saat itu, yakni memilih jalur pertumbuhan CIMB Niaga sebagai bank digital. Tahun 2010, Arwin memulai perjalanan transformasi digital CIMB Niaga. Sejak itu, lahir banyak produk digital CIMB Niaga yang menjadi pionir. Salah satunya, Rekening Ponsel, sebuah produk digital unggulan, di mana semua transaksi keuangan, seperti tarik tunai, transfer, pembelian, dan pembayaran, menggunakan handphone (HP), dengan nomor HP yang berfungsi sebagai nomor rekening bank.
Berbekal kepercayaan yang diberikan pemerintah kepadanya, Arwin bertekad menjadikan Telkom sebagai perusahaan Fortune Global 500 dengan nilai pasar USD 30 miliar pada 2010. Setelah menjabat kurang dari setengah masa jabatannya, ia dan timnya berhasil menggandakan kapitalisasi pasar raksasa telekomunikasi milik negara itu sehingga menyumbang lebih dari 15 persen dari total nilai pasar saham Indonesia. Pelaku pasar dan pemangku kepentingan lainnya menyambut hangat berbagai inisiatif strategis yang ia lakukan untuk meningkatkan nilai perusahaan.
“Telkom3010: Inside Story Telkom Value Creation” menceritakan perjalanan berliku dan menantang seorang CEO berlatar belakang industri jasa keuangan dalam mengelola pemain infokom terkemuka di Tanah Air. Buku ini harus dibaca oleh para profesor dan calon pemimpin bisnis masa depan.
Buku ini adalah inside story – sebuah catatan pengalaman dari pelaku tindakan transformasi Bank Danamon yang terjadi antara tahun 2000 – 2003.
Dengan tekun Arwin Rasyid mencatat semua pengalamannya ketika memimpin transformasi lembaga perbankan yang sebetulnya sudah insolvent, dan mengubah nasib Bank Danamon menjadi sebuah kekuatan baru yang sehat, tangguh, efisien, dan menjadi kebanggaan.
Dalam buku ini, untuk pertama kalinya kita disuguhi fakta, suasana, dan pemikiran yang menjadi landasan bagi langkah turnaround yang sukses itu. Beberapa hal yang semula rahasia, kini menjadi pengetahuan umum bagi kita semua.
Penerbitan buku yang secara rinci menguraikan langkah-langkah restrukturisasinya ini merupakan bonus pengetahuan yang luar biasa bagi pembaca.
Digital Banking Revolution, Lessons from CIMB Niaga Digitalization and Tips for Survival in the Fintech Era
Technology has changed lives. Changing the face of industry and civilization. Banking is no exception. All started from the rapid advancement of information and communication technology. Since the 2G era changed to 3G, then 4G to 5G, the financial industry has experienced a revolution with the birth of fintech (financial technology) companies. The three magic elements of a technology-based company, namely “Platform”, “Ecosystem”, and “OmniChannel”, have changed the paradigm in doing business where ownership and growth of assets are not everything. Encouraging the birth of the phenomenon of transportation companies without transportation facilities, hotel service companies without hotel chains, and others. They have very high valuations, up to billions of US dollars. These phenomena and “signs of the times” were predicted long before, when Arwin Rasyid became the CEO of Bank CIMB Niaga.
Instead of pursuing asset growth as is customary in the banking industry “race”, Arwin chose “the less traveled road” at that time, namely choosing the growth path of CIMB Niaga as a digital bank. In 2010, Arwin started CIMB Niaga’s digital transformation journey. Since then, many CIMB Niaga digital products have become pioneers. One of them, Rekening Ponsel, a superior digital product, where all financial transactions, such as cash withdrawals, transfers, purchases, and payments, use cellphones (HP), with a cellphone number that functions as a bank account number.
Armed with trust placed in him by the government, Arwin was determined to make Telkom a Fortune Global 500 company with a market value of USD 30 billion by 2010. Having served for less than half of his term, he and his team had successfully doubled the market capitalization of the state-owned telecommunications giant so that it accounted for more than 15 percent of the total value of the Indonesian stock market. Both market players and the company’s other stakeholders warmly welcomed the various strategic initiatives he introduced to boost the company’s value.
“Telkom3010: Inside Story Telkom Value Creation” recounts the winding and challenging journey of a CEO with a background in the financial services industry in managing the country’s leading infocom player. This book should be read by professonals and potential future business leaders.
This book is an inside story – a record of the experiences of the actors in the transformation of Bank Danamon that took place between 2000 – 2003.
Arwin Rasyid diligently recorded all of his experiences when leading the transformation of an insolvent banking institution, and transformed the fate of Bank Danamon into a new force that was healthy, resilient, efficient, and proud.
In this book, for the first time we are presented with the facts, circumstances, and thoughts that form the basis for this successful turnaround step. Some things that were secret previously have now become common knowledge for all of us.
The publication of this book, which outlines in detail the steps of its restructuring, is a tremendous bonus of knowledge for readers.