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.

We all experienced, first hand, how Covid-19 has impacted the world and our communities. Last year, store closures, reduced hours, and social-distancing requirements drove people to adopt more e-commerce options, which, according to eMarketer, grew 27.6% worldwide in 2020. Meanwhile, consumer desires to shop locally also grew with Google searches for “____ near me” up 100% year over year,¹ and 1 in 3 consumers having tried curbside pickup over the last year.²

As countries begin to lift Covid-19 restrictions, businesses are looking toward a post-pandemic future and asking ‘Which of these shopping trends will stick and how should I adapt?’ At Google, we expect consumers to continue demanding helpful shopping experiences that blur the line between the physical retail and digital experience, as well as help them to continue shopping locally.³ To address these changes in shopper behavior, we refreshed our retail solutions—adding a new solution, Product Locator, and updating Store Locator Plus—to help you offer the best possible online-to-offline experience and drive shoppers to your stores. 

Introducing Product Locator solution: connecting online shopping to nearby stores

Under Covid restrictions, consumers have grown accustomed to having a myriad of shopping options, from curbside pickup to same-day delivery. Increased searches for ‘along my route’ and ‘in stock’ tell us that convenience is king for today’s consumer.⁴ Retailers can increase online conversion rates and drive store visits by including product availability and pick-up options on each of their product description pages (PDP); emphasizing the speed and convenience of these options and saving on significant shipping costs. 

Our newest retail solution, Product Locator, can further help drive customers to visit by showing the exact distance stores are to the shopper and even estimated driving time, to further highlight the convenience of a store visit. A study conducted by Shopify found that showcasing local inventory boosted key store metrics including 45% of local pickup who made an additional purchase upon arrival.⁵ See the Product Locator solution guide to get started today.

Update your store locator page to address more of shoppers’ needs

Store locators allow shoppers to more easily find your stores and can be made even more helpful with our Store Locator Plus solution. Our updated Store Locator Plus solution refreshes the store locator page to be more informative and engaging by integrating offers redeemable in-store, online scheduling for appointments and services, and text me directions services. Implement Store Locator Plus today using the guide.

Build and customize Store Locator Plus for your business in minutes

At Google Maps Platform, we are always thinking of ways to make building a map easier and faster for our customers. In May at I/O we made Cloud-based Maps Styling generally available, enabling map updates to happen without touching a line of code. Today we’re excited to introduce Quick Builder, our free, low code builder which allows you to demo, customize and build a version of the Store Locator Plus solution for your website in minutes. Experience Quick Builder today.
To learn more about how you can start adopting these retail solutions, visit our retail solutions page.

For more information on Google Maps Platform, visit our website.

^{1 Global Insights Briefing: Getting back out there}

^{2 https://www.shopify.com/pos/future-of-retail-2021}

^{3 https://www.thinkwithgoogle.com/future-of-marketing/digital-transformation/covid-trends-1-year/}

^{4 https://www.thinkwithgoogle.com/consumer-insights/consumer-trends/pandemic-shopping-behavior/}

^{5 https://www.shopify.com/pos/future-of-retail-2021}

Over the decades, technology has helped us organize large amounts of physical information in ways that are streamlined, efficient, and easily accessible. Rows upon rows of encyclopedias are no longer needed; simply punch in or speak a query into Google Search and find numerous results at your fingertips. There’s no need to haul around cases of CDs or cassettes either, when you can access hundreds of thousands of songs on music streaming services. 

We wanted to bring that same level of accessibility to one specific type of publication: the printed car manual. Here’s how we shifted the paper manual to become an easy-to-access, voice-activated digital experience for owners of the all-new Sienna. It’s helped this resource become just as modern and useful as Toyotas themselves.

Putting cloud technology in the driver’s seat

Far too often, the printed car manual remains unused, collecting dust in the glove compartment—that is, until it’s needed during a roadside emergency or to solve the meaning of a mysterious light popping up on the dashboard. Even then, thumbing through hundreds of pages during high-stakes moments can be stressful. On top of that, these manuals can be expensive to print and update.

Digital versions, such as a PDF file, are a nice start. But, they’re often little more than reformatted flat documents. In poor visual conditions on the side of a road, the last thing a driver wants to do is squint at a phone or scroll through pages of tiny text. And similar to printed manuals, digital versions don’t facilitate ongoing, real-time conversations between drivers and automakers when it matters the most; they’re often only text and pictures, and at best, schematic drawings.

With that in mind, we set out to elevate and personalize the car manual by creating a voice-activated digital owner’s manual experience, all powered by Google Cloud. A voice-based assistant was the clear choice because, as it felt like the most intuitive, natural option, especially while driving. In fact, 51% of U.S. adults have used a voice assistant while driving, and 95% of all drivers expect to use a voice assistant in the next three years. 

We’re now putting this technology on the road by powering the Toyota Driver’s Companion for the all-new 2021 Toyota Sienna model. Accessible through the existing Toyota app, this companion provides real-time assistance, any time of the day. Drivers can ask questions and the companion will efficiently provide helpful answers in convenient ways, from voice to 3D walkthroughs and explorable environments. 

What a modern car manual should do

The Toyota Driver’s Companion has interactive features to help drivers discover the Sienna’s dashboard, set up the car’s interior and exterior appearance, better understand vehicle maintenance, and explore Dynamic Radar Cruise Control, Lane Departure Alert and other features. 

Here are a few other additional key features to call out within the Toyota Driver’s Companion: 

• An easily accessible virtual voice through the Toyota Driver’s Companion lets app users ask personal questions about their 2021 Sienna such as “what’s the height of my car?” and receive immediate answers either by voice, display or interactive input. 
• The manual automatically connects with the purchased vehicle’s VIN number to create a completely personalized experience, curated specifically for the driver. For example, if an unfamiliar light on the dashboard pops up, the Toyota Driver’s Companion can help identify the light’s meaning.
• Interactive hotspots throughout the vehicle’s interior let drivers explore the cabin virtually. Drivers can discover button functionalities, find specific dials, and learn more about car functions, such as how to slide seats or open doors, to become acclimated with their new vehicle.

To bring this experience to life, we tapped into some of our key Google Cloud solutions:

• APIs powered by Google Cloud artificial intelligence technology make accessing specific vehicle information easy and effortless, by leveraging Google’s natural language processing:
  • Google Cloud DialogFlow API serves as the decision tree that gives intelligence for both finding an answer for a question, i.e., how the Companion responds to the end user’s questions. 
  • One of our Text-to-Speech APIs—called Wavenet—creates the Companion’s realistic voice. 
  • And finally, our Speech-to-Text API “listens” to the user’s voice and finds the correct information to craft responses. That means a driver can ask a question multiple ways, and the Companion will still respond with the right answer. 

Our Firebase mobile app dev platform gleans analytic insights that help improve the overall experience and services for OEMs and drivers alike.https://www.youtube.com/embed/66QxWS-PzIM?enablejsapi=1&

We’re encouraging better consumer experiences by providing faster access to fresh information, in a natural, accessible format—voice. But these new voice-activated experiences aren’t only an opportunity to help out drivers; it’s also about strengthening connections between drivers, their vehicles, and automakers, too. 

Our hope is that through this information exchange, drivers can provide feedback on the most frequently misunderstood features, enabling OEMs to address questions early on. By understanding the most requested features, OEMs can also predict and inform driver questions about features. We’re incredibly excited to help make the driver’s experience more connected and helpful.