The rapid development of banking technology today makes competition for banking products increasingly diverse, looking back at a simple function of banks as mediation of people who want to save money and those who borrow money, bank products are usually divided into two; loans and savings.
Bank products are similar, the difference is the service provided, banking services are currently considered by customers or prospective customers. Low-interest loans for customers or prospective customers today are no longer a priority, because many banks apply low interest but are difficult for credit applications because they have to go through a rigorous selection process. Quickly and clearly process services are more valuable to banks, which are not possible to provide lower interest rates than other banks because the interest costs for refunds obtained by resources are quite high.
The process of fast delivery for credit applications certainly requires the right technology, for example; Demand for credit to BPR is now applying the loan application process manually and BPR is difficult to provide interest rates lower or equal to Commercial Banks, which is the root of the problem where clients or prospective clients do not see the benefits of products offered by BPR.
With the development of mobile credit applications, service level standards become shorter, documentation paper less, to minimize fraud, maximize sales productivity and credit applications will improve credit better quality, minimize bad credit for structured and real time application loans.