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When you choose to run your business on Google Cloud you benefit from the same planet-scale infrastructure that powers Google’s products such as Maps, YouTube, and Workspace. 

We have picked 10 ways in which Google Cloud Infrastructure services outshine alternatives in the market in how they simplify your operations, save money, and secure your data. 

1. Custom Machine Types means no wasted resources

Compute Engine offers predefined machine types that you can use when you create a VM instance. A predefined machine type has a preset number of vCPUs and a preset amount of memory; each type is billed at a set price as described on the Compute Engine pricing page. 

If predefined machine types don’t meet your needs, you can create a VM instance with a custom number of vCPUs and custom amount of memory, effectively building a custom machine type. Custom machine types are available only for general-purpose machine families. When you create a custom machine type, you are deploying a custom machine type from the E2, N2, N2D, or N1 machine family on GCP.  No other leading cloud vendor offers custom machine types so extensively.

Custom machine types are a good idea for workloads that aren’t a good fit for the predefined machine types and for workloads that require more processing power or memory but don’t need all of the upgrades provided by the next machine type level. This translates into lower operating costs.   They are also useful for controlling software licensing costs that are based on the number of underlying compute cores. 

Jeremy Lloyd, Infrastructure and Application Modernization Lead at Appsbroker, a Google partner: 

“Custom machine types coupled with Google’s StratoZone data center discovery tool provides Appsbroker with the flexibility we need to provide cost efficient virtual machines matched to a virtual machine’s actual utilization. As a result, we are able to keep our customers’ operating costs low while still providing the ability to scale as needed.”

2. Compute Engine Virtual Machines are optimized for scale-out workloads 

For scale-out workloads, T2D, the first instance type in the Tau VM family, is based on 3rd Gen AMD EPYC processors and leapfrogs VMs for scale-out workloads of any leading public cloud provider today, both in terms of performance and price-performance. Tau VMs offer 56% higher absolute performance and 42% higher price-performance compared to general-purpose VMs from any leading public cloud vendor (source). The x86 compatibility provided by these AMD EPYC processor-based VMs gives you market-leading performance improvements and cost savings, without having to port your applications to a new processor architecture. Sign up here  if you are interested in trying out T2D instances in Preview. 

For SAP HANA, Google Cloud has demonstrated with SAP how we can run the world’s largest scale-out HANA system in the public cloud (96TB).   With such innovation, you are covered as your business grows exponentially.

3. Largest single node GPU-enabled VM

Google is the only public cloud provider to offer up to 16 NVIDIA A100 GPUs in a single VM, making it possible to train very large AI models. Users can start with one NVIDIA A100 GPU and scale to 16 GPUs without configuring multiple VMs for single-node ML training, without crossing the VM layer. 

Additionally, customers can choose smaller GPU configurations—1, 2, 4 and 8 GPUs per VM—providing the flexibility to scale their workload as needed. 

The A2 VM family was designed to meet today’s most demanding applications—workloads like CUDA-enabled machine learning (ML) training and inference, for example. This family is built on the A100 GPU which offers up to 20x the compute performance compared to the previous generation GPU and comes with 40 GB of high-performance HBM2 GPU memory. To speed up multi-GPU workloads, the A2 VMs use NVIDIA’s HGX A100 systems to offer high-speed NVLink GPU-to-GPU bandwidth that delivers up to 600 GB/s. A2 VMs come with up to 96 Intel Cascade Lake vCPUs, optional Local SSD for workloads requiring faster data feeds into the GPUs and up to 100 Gbps of networking. A2 VMs provide full vNUMA transparency into the architecture of underlying GPU server platforms, enabling advanced performance tuning. Google Cloud offers these GPUs globally. 

4. ​​Non-disruptive maintenance means you worry less about planned downtime

Compute Engine offers live migration (non-disruptive maintenance) to keep your virtual machine instances running even when a host system event, such as a software or hardware update, occurs. Google’s Compute Engine live migrates your running instances to another host in the same zone without requiring your VMs to be rebooted. Live migration enables Google to perform maintenance that is integral to keeping infrastructure protected and reliable without interrupting any of your VMs. When a VM is scheduled to be live-migrated, Google provides a notification to the guest that a migration is imminent. 

Live migration keeps your instances running during:

• Regular infrastructure maintenance and upgrades
• Network and power grid maintenance in the data centers
• Failed hardware such as memory, CPU, network interface cards, disks, power, and so on. This is done on a best-effort basis; if a hardware component fails completely or otherwise prevents live migration, the VM crashes and restarts automatically and a hostError is logged.
• Host OS and BIOS upgrades
• Security-related updates
• System configuration changes, including changing the size of the host root partition, for storage of the host image and packages

Live migration does not change any attributes or properties of the VM itself. The live migration process transfers a running VM from one host machine to another host machine within the same zone. All VM properties and attributes remain unchanged, including internal and external IP addresses, instance metadata, block storage data and volumes, OS and application state, network settings, network connections, and so on. This has the benefit of reducing operational and maintenance overhead, helps you build a more robust security posture where infrastructure can be consciously revamped from a known good state and minimizes risks for advanced persistent threats. 

Refer to Lessons learned from a year of using live migration in production on Google Cloud from the Google engineering team.

5. Trusted Computing: Shielded VMs guard you against advanced, persistent attacks

Establishing trust in your environment is multifaceted, involving hardware and firmware, as well as host and guest operating systems. Unfortunately, threats like boot malware or firmware rootkits can stay undetected for a long time, and an infected virtual machine can continue to boot in a compromised state even after you’ve installed legitimate software. 

Shielded VMs can help you protect your system from attack vectors like:

• Malicious guest OS firmware, including malicious UEFI extensions
• Boot and kernel vulnerabilities in the guest OS
• Malicious insiders within your organization

To guard against these kinds of advanced persistent attacks, Shielded VMs use:

• Unified Extensible Firmware Interface (UEFI) BIOS: Helps ensure that firmware is signed and verified
• Secure and Measured Boot: Helps ensure that a VM boots an expected, healthy kernel
• Virtual Trusted Platform Module (vTPM): Establishes root-of-trust, underpins Measured Boot, and prevents exfiltration of vTPM-sealed secrets
• Integrity Monitoring: Provides tamper-evident logging, integrated with Stackdriver, to help you quickly identify and remediate changes to a known integrity state

The Google approach allows customers to deploy Shielded VMs with only a simple click, thereby easing implementation. 

6. Confidential Computing encrypts data while in use

Google Cloud was a founding member of the Confidential Computing Consortium. Along with encryption of data in transit and at rest using customer-managed encryption keys (CMEK) and customer-supplied encryption keys (CSEK), Confidential VM adds a “third pillar” to the end-to-end encryption story by encrypting data while in use. Confidential Computing uses processor-based technology that allows data to be encrypted in use while it is being processed in the public cloud. Confidential VM allows you to to encrypt memory in use on a Google Compute Engine VM by checking a single checkbox. 

All Confidential VMs support the previously mentioned Shielded VM features under the covers—you can think of Shielded VM as helping to address VM integrity, while Confidential VM addresses the memory encryption aspect which relies on CPU features. With the confidential execution environments provided by Confidential VM and AMD Secure Encrypted Virtualization (SEV), Google Cloud keeps customers’ sensitive code and other data encrypted in memory during processing. Google does not have access to the encryption keys. In addition, Confidential VM can help alleviate concerns about risk related to either dependency on Google infrastructure or Google insiders’ access to customer data in the clear. 

See what Google Cloud partners say about Confidential Computing here. 

7. Advanced networking delivers full-stack networking and security services with fast, consistent, and scalable performance

Google Cloud’s network delivers low latency, reduces operational costs and ensures business continuity, enabling organizations to seamlessly scale up or down in any region to meet business needs. Our planet-scale network uses advanced software-defined networking and security with edge caching services to deliver fast, consistent, and scalable performance. With 28 regions, 85 zones, and 146 PoPs connected by 16 subsea fiber cables around the world, Google Cloud’s network offers a full stack of layer 1 to layer 7 services for enterprises to run their workloads anywhere. Enterprises can be assured that they have best-in-class networking and security services connecting their VMs, containers, and bare metal resources in hybrid and multi-cloud environments with simplicity, visibility, and control. 

Google Cloud’s network has protected customers from one of the world’s largest DDoS attacks at 2.54 Tbps. With our multi-layer security architecture and products such as Cloud Armor, our customers ran their business with no disruptions. Furthermore, our recent integration of Cloud Armor with reCAPTCHA Enterprise adds best-in-class bot and fraud management to prevent volumetric attacks. Cloud Armor is deployed with our Cloud Load Balancer and Cloud CDN, extending the secure benefits at the network edge for traffic coming into Google Cloud so customers have security, performance, and reliability all built in. Furthermore, we are excited to offer Cloud IDS in preview, which was co-developed with security industry leader, Palo Alto Networks, to run natively in Google Cloud. 

Our advanced networking capabilities also extends to GKE and Anthos networking. With the GKE Gateway controller, customers can manage internal and external HTTPS load balancing for a GKE cluster or a fleet of GKE clusters with multi-tenancy while maintaining centralized admin policy and control. Unlike other Kubernetes offerings, we offer eBPF dataplane which brings powerful tooling such as Kubernetes network policy and logging to GKE. eBPF is known to kernel engineers as a “superpower” for its unique architecture to load and unload modules in kernel space, and now this capability is built in with Google Cloud networking. 

For observability and monitoring, our customers deploy Network Intelligence Center, Google Cloud’s comprehensive network monitoring, verification and optimization platform. With four key modules in Network Intelligence Center, and several more to come, we are working towards realizing our vision of proactive network operations that can predict and heal network failures, driven by AI/ML recommendations and remediation. Network Intelligence Center provides unmatched visibility into your network in the cloud along with proactive network verification. Centralized monitoring cuts down troubleshooting time and effort, increases network security and improves the overall user experience.  

8. Regional Persistent Disk for High Availability

Regional Persistent Disk is a storage option that provides synchronous replication of data between two zones in a region. Regional Persistent Disks can be a great building block if you need to ensure high availability of your critical applications as they offer cost-effective durable storage and replication of data between two zones in the same region. 

Regional Persistent Disks are also easy to set up within the Google Cloud Console. If you are designing robust systems or high availability services on Compute Engine, Regional Persistent Disks combined with other best practices such as backing up your data using snapshots enable you to build an infrastructure that is highly available and recoverable in a disaster. Regional Persistent Disks are also designed to work with regional managed instance groups. In the unlikely event of a zonal outage, Regional Persistent Disks allow continued I/O through failover of your workloads to another zone. Regional Persistent Disks can help meet zero RPO and near-zero RTO requirements and other stringent SLAs that your critical applications might require by maximizing application availability and protection of data during events such as host/VM failures and zonal outages. 

9. Cloud Storage’s single namespace for dual-region and multi-region means managing regional replication is incredibly simple

Similar to how Persistent Disk makes data more available by replicating data across zones, Cloud Storage provides similar benefits for object storage. Cloud Storage within a region is cross-zone by definition, reducing the risk that a zonal outage would take down your application. Cloud Storage adds to this by also providing a cross-region option that can protect against a regional outage and gets your data closer to distributed users. This comes in the form of Dual-region or Multi-region settings for a bucket. These are the simplest to implement cross-region replication offerings in the industry—just a simple button or API call to enable them. In addition to being simple to implement, they offer an added advantage of using a single bucket name that spans regions. 

This is unique in the industry. Competitive offerings currently require setting up and managing two distinct buckets, one in each region and they don’t offer the strong consistency properties Cloud Storage offers across regions. Operations and app development are burdened by this design. Google’s single namespace approach dramatically simplifies application development (the app runs on single region or dual/multi-region without any changes), and provides simpler application restarts and testing for DR.

10. Predictive autoscaling 

Customers use predictive autoscaling to improve response times for applications with long initialization times or for applications with workloads that vary predictably with daily or weekly cycles. When you enable predictive autoscaling, Compute Engine forecasts future load based on your Managed Instance Group’s history and scales out the MIG’s in advance of predicted load, so that new instances are ready to serve when the load arrives. Without predictive autoscaling, an autoscaler can only scale a group reactively, based on observed changes in load in real time. 

With predictive autoscaling enabled, the autoscaler works with real-time data as well as with historical data to cover both the current and forecasted load. Forecasts are refreshed every few minutes (faster than competing clouds) and consider daily and weekly seasonality, leading to more accurate forecasts of load patterns.

For more information, see How predictive autoscaling works and Checking if predictive autoscaling is suitable for your workload.

These are just a few examples of customer-centric innovation that set Google Cloud infrastructure apart.  Bring your applications and let the platform work for you.   

Get started by learning about your options for migration, or talk to our sales team to join the thousands of customers who have embarked upon this journey.

Acknowledgement

Special thanks to Dheeraj Konidena (Google) for contributing to this article.

While many of us are navigating the shift to hybrid work, every team’s experience is unique. Distributed work is taking many different forms—from the fully remote to a specific mix of in-person and in-office—but there are potential gaps across all the places that people work. Google Workspace helps teams bridge these gaps by providing tools for them to connect, create and collaborate securely wherever they are. Today, we’re taking this one step further by announcing new ways to bring Miro’s intuitive whiteboard experience to Google Workspace so that teams can ideate and innovate more immersively.

With a shared commitment to extending inclusive, flexible collaboration experiences for all, we’re partnering with Miro to bring whiteboarding capabilities into Google Meet. We’re also deepening the existing experience within Google Docs, Sheets and Slides, making it easier for teams to ideate and co-create asynchronously and in real time. 

Deepening collaboration in meetings 

With the new Miro experience in Meet, you’ll get an immersive side-by-side video and whiteboard experience that’s ideal for brainstorming, sketching, and iteration during meetings. This approach fosters idea generation and participation from all team members, even if they’re in different locations. And using a Miro whiteboard in Meet is seamless: simply attach the Miro whiteboard to the meeting in Google Calendar or select a board during a meeting to share and collaborate in real-time. These new experiences will be available in early 2022.

Seamlessly integrate content from Google Docs, Sheets, and Slides 

Real-time collaboration across a distributed team often spans multiple files—from brainstorming in documents, to project management in spreadsheets, to presenting your ideas in slides. Miro integrates with Google Drive, so teams can easily access and embed their Google Docs, Sheets, and Slides into Miro’s infinite canvas, making it easier to visualize and manage all the pieces of a project from one shared space. You can also save your Miro boards to Drive, and Docs, Sheets, and Slides automatically sync across both applications, so you’re always working with the latest content.

Start using Miro in Google Workspace today

The Miro app for Workspace is one of the growing number of 3rd-party applications you can use to bring the apps and services you use every day to your Google Workspace experience. Try the Miro app in Workspace with your existing credentials, or sign up for Workspace and Miro to start using the free versions together. And stay tuned for future innovation as we partner with Miro on delivering visual collaboration capabilities that are mission critical for the hybrid workplace.

As business leaders evaluate their hybrid work models, employee productivity is top of mind. They’re trying to understand how to balance organizational needs for productivity with employee needs for autonomy, flexibility, and work/life balance. In my role as Google’s Productivity Advisor, I help organizations and employees realize that being productive means working smartly and efficiently — not overworking. And one key to productivity is developing strong time management skills.

Recent research found that 82% of workers don’t have a proper time management system, however. Instead, they rely on making lists, referencing their inbox, or simply winging it. And the result is telling: 21% of people say “their work is never under control or only under control one day per week.”

Everyone works differently, and one of the best things about hybrid work is that it empowers people to work in their own way, at their own pace. However, if your employees are managing their time inefficiently over the long term, their risk of burnout increases — which can be bad news for employee wellbeing, morale and productivity.

In order for any hybrid work plan to be effective and your teams to be healthy, your employees need to build their time management muscle. You can help them do so with a three-step process:

1. Understand how your employees are currently managing their time
2. Encourage your employees to identify time management strengths and areas for improvement
3. Empower your employees to maximize their time management practices

Step 1: Understanding your employees’ work habits

Before you can help your employees manage their time more effectively, you first need to understand how they spend it. To start, identify habits that might be preventing your employees from establishing productive workflows. For example, some employees might be working too much outside of business hours or spending the majority of their working hours in meetings.

While observation may help you glean some of this information, it’s best to go straight to the source. To find out if your employees feel they’re managing their time efficiently, simply ask them! You can distribute an anonymous questionnaire using a survey tool, like Google Forms, with questions like:

• Are you having trouble getting all your work done?
• Do you feel like you have enough independent working time?
• Do alerts and notifications interrupt or enhance your workflow?
• Which productivity and collaboration tools do you find the most and the least useful?
• How do you communicate best with your coworkers when working on- and off-site?

One major hurdle to effective time management can be too many meetings. To learn if meeting fatigue is plaguing your teams, include a survey question asking employees if they feel like they devote too much time to meetings. Help them get specific by encouraging them to use a tool like Time Insights. With this feature, employees can see exactly how much time they spend in meetings and how much focus time they schedule each week to accurately answer your survey.

Fielding an anonymous questionnaire is a great way to start your time management audit. The learnings that emerge can help you identify patterns in your workplace and among your teams — but they won’t reveal how individual employees work. For that, you’ll need to reach out to them directly.

Step 2: Identifying individual strengths to harness and areas for improvement

Once you have a general idea of how your team works, you can dig deeper into your individual employees’ time management methods and working styles. With this information, you can then help them identify the practices that work — and don’t work — for them.

Suggest to your employees that they spend a week observing their productivity patterns and time management methods. You might encourage people to look at:

• Their level of energy at different times during the day and/or on different days of the week
• The different types of work, such as strategic or administrative, they like doing and when
• How much time they spend doing work versus communicating about work
• How they feel during and after group meetings
• The amount of time they spend in deep-focus versus time spent switching among different tasks

If your organization uses digital timesheets, your employees can consult built-in, automatic time-tracking insights to see where they’re spending their time. Otherwise, you can easily create a custom time-tracking app using a no-code solution like AppSheet to help your employees measure the time they devote to their various responsibilities.

Once everyone has completed their weeklong study, set up dedicated meetings to review your employees’ observations with them individually. Armed with this new understanding, you and your employees can clarify when and how each person does their best work, identify areas for improvement, and start adjusting accordingly.

Step 3: Empowering your employees to flex their time management muscle

Now that you have clarity on how your employees spend their time, you can work with them to develop personal time management practices. To set them up for success, look for opportunities that take advantage of their strengths and offset their challenges — no matter how they like to work.

It’s important to remember there’s no one-size-fits-all solution to using time productively. Some workers love to tackle the most difficult tasks first thing in the morning; others feel more energized at the end of their day. Some people think best in conversation while others prefer to be alone with their thoughts. To help your employees develop time management practices that fit their working style, they need to feel empowered to decide how they can use their time and tools productively.

When it comes to time management, calendars are your best friend, so encourage your employees to take advantage of simple features. Google Calendar lets everyone see availability; by glancing at a shared calendar, coworkers will know when to reach out to someone (and when not to). You can also prompt your employees to block off quiet time during windows when they feel most productive, and use tools like Focus time to protect the time they need for heads-down work.

Email and chat are important, but they can also become a distraction if not used intentionally. Most people open email first thing in the morning, leave it open all day, and check it often. Instead, when you and your employees need to focus, try closing the email tab or using Gmail features to snooze and star emails to stay on task. The same approach applies to chat: check it strategically and turn off notifications when you need deep focus.

Finally, be intentional about building and maintaining trust with your teams as they develop new time management skills. If you decide to use Google Meet for regular check-ins, partner with your employees to develop meeting agendas directly inside Calendar invites to ensure your shared time will be used efficiently.

Valuing impact over output

Hybrid work offers an opportunity for business leaders to rethink their perspective on employee time management and what it means to be productive. Remember, the goal of building effective time management skills isn’t always to become more efficient so one can take on additional work. Often times, taking a step back helps us simplify how we work in order to deepen our impact. When you empower your employees to create a personal time management system, I think you’ll find they will be happier and healthier, with more to contribute to your organization.

About Bank BRI

Bank Rakyat Indonesia is one of the largest banks in Indonesia and is committed to increasing financial inclusions among un-banked Indonesians. Bank BRI specializes in using modern digital banking to facilitate microfinance lending across its network of over 10,000 branches and thousands of branchless agents.

Google Cloud Results

• Contributes $50M in revenue through the Apigee monetization feature
• Wins recognition for best digital bank in Indonesia from The Asian Banker in 2019
• Achieves ISO 27001 information security for open APIs, earning distinction as the only bank in ASEAN to receive certification to date
• Reduces partner onboarding from 6 months to under 1 hour with Apigee developer portal

Bank Rakyat Indonesia is making waves in Asia with its award-winning digital strategy. As a government-owned bank, Bank BRI is dedicated to changing the lives of its customers through accelerating financial inclusion across Indonesia. With an aggressive target of 84 percent of Indonesians participating in the banking system by 2022, Bank BRI is leapfrogging fintech competition thanks to its innovative digital strategy that has APIs at its core. By the end of 2019, Bank BRI expects to have reached a 70 percent financial inclusion rate among the country’s population, in part due to the adoption of the Cloud Apigee API Management Platform as the bank’s digital nucleus.

Transforming a legacy into a digital future

In the banking business, trust is essential, not only between the bank and its customers, but also between the bank and its partners. Recognizing that gaining and maintaining this trust would be key to customer and partner adoption of the new Bank BRI products and services, the bank decided to pursue ISO 27001 certification in 2018, becoming the first bank in ASEAN (the Association of Southeast Asian Nations) to become certified as information security compliant. Now the international community of partners and customers who use the bank’s APIs have yet another reason to place their trust Bank BRI.

“Apigee has become the central nervous system for all communications between the digital core banking, the microservices, the frontend, and the apps. Apigee has become our sun. Everything rotates around Apigee.”—Kaspar Situmorang, Executive Vice President, Bank Rakyat Indonesia

Kaspar Situmorang, Executive Vice President of Bank BRI, had the original vision for how the bank could transform itself into a fintech with digital technology and APIs. His team got started by implementing a web-native frontend over a new technology stack with Apigee as a second layer. This was a big change from the legacy technologies that existed when Situmorang joined the bank in 2017. Previously all of the bank’s products had their own public APIs, which were very difficult to manage, secure, and monetize.

Since deploying Apigee, it’s become much easier to manage the entire API lifecycle. Situmorang’s digital bank team of 15 uses the Apigee monetization and developer portal features while managing and securing APIs and conducting big data integrations. Apigee has become Bank BRI’s center of communications, handling all transactions between the bank and third parties.

Whereas previously it could take up to six months to onboard a new partner using host-to-host and VPN technology, now it takes less than an hour for partners to self-onboard using the Bank BRI Apigee developer portal. On the portal, partners can register, browse APIs, test in the sandbox, and go into production — all in less than an hour.

“Apigee has become the central nervous system for all communications between the digital core banking, the microservices, the frontend, and the apps. Apigee has become our sun. Everything rotates around Apigee,” says Situmorang.

Increasing financial inclusions

With more than 10,000 offices across Indonesia, Bank BRI has the largest network of any bank in ASEAN. The bank is also the biggest microfinance lender in the region. Though already present in even the most far-flung corners of Indonesia, Bank BRI is still working on increasing financial inclusion among un-banked Indonesians. With 56 million people that haven’t accessed banking services, Indonesia is in the bottom four countries for financial literacy in the world, along with Bangladesh, India, and China. It’s estimated that there is up to $8.3 billion in currency being held outside the banking system.

In order to reach this mostly rural, subset of the population, the bank launched Agent BRILink, a nationwide network of branchless agents. These agents can open new accounts, take deposits, pay out withdrawals, and process and disburse loans in under two minutes with the Pinang microfinance mobile app. To date, over 30,000 customers have received loans through Pinang. Handling its own risk-scoring and automatic payroll deductions for payments has translated into less risky and more profitable loans for Bank BRI.

“Customers download the app and scan their ID, capturing their credit score in just a few seconds. The digital offer letter says how much they’re approved for. They can then accept it, go to the approval screen, and do facial recognition. The money is disbursed immediately. GCP has transformed us into a fintech.”—Kaspar Situmorang, Executive Vice President, Bank Rakyat Indonesia

BRILink agents are bank customers who have been scored highly for reliability by the bank’s big data analyses and who maintain a minimum balance of around $800. Combining this data with the Google Maps API, Bank BRI is able to score all 75.5 million of its customers and identify which of them should be recruited as agents for underbanked areas. Since 2018, the bank has been able to appoint more than 200,000 branchless agents using the Agent BRILink app, eliminating the need for logistically challenging face-to-face meetings. This has resulted in an increase in loan volume from branchless business from $15 billion in 2017 to $26 billion in 2018.

To enable branchless agents to sign up new customers and provide banking services, all they need is a mobile phone and internet service. With many parts of rural Indonesia not covered by commercial 3G, Bank BRI has overcome this hurdle by operating its own satellite. With the connectivity the satellite guarantees, branchless agents can help customers obtain microfinancing and open new shops and businesses in all parts of the country. The satellite also provides internet service across the APAC region wherever the bank operates, from Sri Lanka to New Zealand. While it might seem unusual for a bank to operate a satellite, it’s reflective of Bank BRI’s commitment to reaching its financial inclusion targets and meeting its customers wherever they are.

“Pinang was created to win against fintechs trying to compete against us on speed, cost, and security,” says Situmorang. “The truth is that Indonesian regulators closed about 650 fintechs, mainly in the peer-to-peer lending space, because they were unsafe, too expensive, and very slow.”

Using APIs to create and monetize new products

Another way that Bank BRI is leveraging Google Cloud Platform solutions is through an innovative use of the Cloud Vision API, which enables the bank to integrate with the Indonesian government ID database. Identities of new customers — whether they’re coming in via a branch, a BRI Link Agent, or a mobile app — are automatically verified in seconds through facial recognition. With instant credit scoring and identity fraud concerns essentially eliminated, the bank can make more confident lending decisions.

“Monetization is very important to us. It enables us to define our pricing based on API calls and bill automatically based on usage. We’ve already recognized $50 million through the Apigee monetization feature.”—Kaspar Situmorang, Executive Vice President, Bank Rakyat Indonesia

“Customers download the app and scan their ID, capturing their credit score in just a few seconds,” explains Situmorang “The digital offer letter says how much they’re approved for. They can then accept it, go to the approval screen, and do facial recognition. The money is disbursed immediately. GCP has transformed us into a fintech.”

Bank BRI sees a bright digital future, in part thanks to the API product marketplace it’s creating to serve fintechs. With its digital technologies and massive customer base, the bank is sitting on a treasure trove of big data. Bank BRI already packages this data through more than 50 monetized open APIs for more than 70 ecosystem partners wanting to do credit scoring, business assessments, and risk management. Fintechs, insurance companies, and financial institutions don’t have the talent or the financial resources to do quality credit scoring and fraud detection on their own, so they are turning to Bank BRI.

“Monetization is very important to us. It enables us to define our pricing based on API calls and bill automatically based on usage. We’ve already recognized $50 million through the Apigee monetization feature,” says Situmorang.

Bank BRI is meeting and surpassing the goals it has set for itself for digitalization, increasing financial inclusion, and creating new revenue streams with APIs.