OPTIMIZATION OF BANKING SERVICES USING GEOGRAPHIC INFORMATION SYSTEMS (GIS): AN EFFECTIVE STRATEGY FOR THE EXPANSION OF THE BUS LAYANAN GERAK (BLG) BY BANK BNI

Abstract

This study investigates the utilization of Geographic Information Systems (GIS) to enhance the expansion of Bank BNI's Bus Layanan Gerak (BLG) services in order to mitigate gaps in banking accessibility. GIS facilitated the identification of underserved regions and high-demand areas by integrating spatial data, including population density, transportation networks, and socioeconomic indicators. Advanced spatial analyses, such as location-allocation modeling, optimized BLG routes and locations, which enhance operational efficiency and service coverage. The results emphasize the potential of GIS to advance financial inclusion and spatial equity by facilitating data-driven decision-making in the deployment of mobile banking services.