OPTIMALISASI PEMANFAATAN LAYANAN DIGITAL PERBANKAN MELALUI PENDAMPINGAN PEMBUKAAN REKENING DAN AKTIVASI BYOND BY BSI : STUDI KASUS SPPG MONJOK KOTA MATARAM

Abstract

ABSTRACT
The development of information technology has driven digital transformation in the banking sector, including Islamic banking. However, the utilization of such technology by the community remains suboptimal due to limited understanding of financial products and the use of digital platforms. A similar condition was identified among the employees and managers of the Nutritional Fulfillment Service Unit (SPPG) Monjok, Mataram City, where some individuals did not yet have active bank accounts and had not fully utilized electronic transaction facilities. Therefore, this community service program aimed to optimize the utilization of digital banking services by enhancing participants’ understanding of the products and services offered by Bank Syariah Indonesia (BSI), facilitating account opening, and providing assistance in the use of BYOND by BSI. The program was implemented at SPPG Monjok, Mataram City, West Nusa Tenggara Province, involving 47 employees and managers. The method employed was a participatory and educational approach through several stages, including preparation and coordination, socialization, document verification, account opening, and assistance in the utilization of digital banking facilities. The results indicated an improvement in participants’ understanding of BSI products and services. In addition, participants obtained active bank accounts complete with passbooks and ATM cards and were able to independently operate BYOND by BSI to support their daily transaction needs. This activity also contributed to improving financial literacy and financial inclusion, expanding access to formal financial services, and encouraging the use of technology in managing transactions in a more convenient, faster, and efficient manner.

ABSTRAK
Perkembangan teknologi informasi telah mendorong transformasi digital di sektor perbankan, termasuk pada bank syariah. Namun, pemanfaatan teknologi tersebut oleh masyarakat masih belum optimal akibat keterbatasan pemahaman mengenai produk keuangan dan pengguna an platform digital. Kondisi serupa ditemukan pada pegawai dan pengelola Satuan Pelayanan Pemenuhan Gizi (SPPG) Monjok, Kota Mataram yang sebagian belum memiliki rekening aktif serta belum memanfaatkan fasilitas transaksi elektronik secara maksimal. Oleh karena itu, kegiatan pengabdian kepada masyarakat ini bertujuan untuk mengoptimalkan pemanfaatan layanan digital perbankan melalui peningkatan pemahaman peserta mengenai produk dan layanan Bank Syariah Indonesia (BSI), fasilitasi pembukaan rekening, serta pendampingan penggunaan BYOND by BSI. Kegiatan dilaksanakan di SPPG Monjok, Kota Mataram, Provinsi Nusa Tenggara Barat dengan melibatkan 47 pegawai dan pengelola. Metode yang digunakan adalah pendekatan partisipatif dan edukatif melalui tahapan persiapan dan koordinasi, sosialisasi, verifikasi dokumen, pembukaan rekening, serta pendampingan pemanfaatan sarana perbankan digital. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta terhadap produk dan layanan BSI. Selain itu, memperoleh rekening aktif yang dilengkapi buku tabungan dan kartu ATM, serta mampu mengoperasikan BYOND by BSI secara mandiri untuk mendukung kebutuhan transaksi sehari-hari. Kegiatan ini turut berkontribusi dalam meningkatkan literasi dan inklusi keuangan, memperluas akses terhadap jasa keuangan formal, serta mendorong pemanfaatan teknologi dalam pengelolaan transaksi secara lebih mudah, cepat, dan efisien.