The transition of Urban Services in Villages in the Implementation of Branches Banking in Kulon Progo Regency

Abstract

Economical services are found more in urban areas than those in villages. The same case is the ones related to banking services. The development of information and communication technology has made more sophisticated banking services. This can be proven with the existence of branchless banking in the form of e-banking, mobile banking, and ATM. New branchless banking services have been recently mushrooming in the form of agents that appear simpler. It is easy for villagers to access them since they are not well facilitated with e-banking, mobile banking, and ATM. This research is aimed at giving descriptions on the provision of services by agents and their use in villages and that it can be found out how far the transition of urban services in villages has taken place. The data are obtained by conducting a structured interview, doing observation, and identifying the existence of banking services. In fact, the result shows that the provision of banking services has been partly replaced by the existence of agents. The agents have attracted more and more villagers to make use of banking services. Therefore, it can be said that the development of information and communication technology has enabled the transition of urban services to take place in villages in the implementation of branchless banking services through agents.