The purpose of the study was too disruptive technology. The rapid changes in technology due to the innovation has brought an impacts in changes on human lifestyle. Technology simplifies and accelerates human being in doing its activity. The development of digital technology (disruptive technology) has an impact on all aspects of human life. The purpose of this research is to see the phenomenon of the conventional banking in Indonesia to make changes in its business processes in order to compete with Fintechs Company that is growing rapidly. This research method looks at the phenomenon on conventional banking in Indonesia by looking at the impact of technology and digital. The first phenomenon is the rapid development in the world currently occur in the digital economy, one of which is a digital-based financial service known as financial technology (FinTech). The second phenomenon is digital technology has been able to change the behavior of Indonesian people in all aspects of life, such as electronic books, electronic newspapers, online sales and public transportation (taxis and motorcycles). The third phenomenon is FinTechs services in Indonesia include Payment channel system, Digital Banking, Online/Digital Insurance, Peer-to-peer (P2P) Lending and Crow funding. Banks should be able to balance the development of this digital technology by providing new products that are close to customer's wishes. There is a gap that has not been served by banks in Indonesia that resulted in the emergence of potential benefits that can be taken by Startup Company (pioneer) FinTech in providing services and banking products. Banking in Indonesia can synergize with start-up companies (pioneer) FinTech by changing its business process by doing Business Process Reengineering (BPR).
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