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’re thrilled to share the news that leading global research and advisory firm Forrester Research has named Google Cloud a Leader in the recently published report The Forrester Wave^TM: Public Cloud Container Platforms, Q1 2022. Forrester evaluated the container and cloud-native offerings of a select group of top public cloud container platform vendors across 29 comprehensive criteria. 

We are proud that Forrester evaluated the strength and cohesion of our offerings, including Google Kubernetes Engine (GKE), Cloud Run, Anthos, Cloud Build, Cloud Deploy, Cloud Code and more, writing that, “Google Cloud is the best fit for firms that want extensive cutting-edge cloud-native capabilities for distributed workloads spanning public cloud, private cloud, and multicloud environments.” 

Google Cloud received the highest possible scores in the criteria of service and application catalogs, microservice development support, service mesh support, serverless and FaaS support, DevOps automation, container image support, control plane configuration, hybrid cloud support, container networking, product vision, supporting products and services, market approach, revenue, and breadth of offering. We also achieved the highest score in the Strategy category of all the vendors evaluated.

Google Cloud is all-in on containers and cloud native 

The cloud-native tools and technologies created by Google Cloud are already powering the most innovative, scalable and secure apps around the world, from the most exciting digital natives to the most important enterprise industry leaders. Why? Cloud native means building and running modern apps that intentionally take advantage of the global scale, pervasive automation, elastic infrastructure, and secure resiliency of the public cloud. 

For enterprises, cloud native in practice means using containers, Kubernetes, serverless, and DevOps automation to build amazing customer-facing apps quickly, to modernize existing business-critical apps safely, and to operate them all on cost-efficient, powerful, and secure cloud infrastructure globally.Over the past decade, Google Cloud’s technology innovation has fueled various domains of the cloud native ecosystem, such as Kubernetes and Go languages as the foundation, Istio for service mesh, Kubeflow for machine learning, Knative for serverless, and Tekton for CI/CD. Long-term investment and practices in cloud-native power its superior product vision and excellent supporting products and services.The Forrester Wave: Public Cloud Container Platforms, Q1 2022

Dedicated to simplicity, speed, and scale for your modern apps

Our mission is to create, integrate, scale, and secure the best open source and commercial cloud-native technologies – backed by a consistent cloud control plane – so you can spend more time dreaming of ways to delight your customers and less time building and operating platforms. We are committed to leading in cloud-native open source communities and making containers and Kubernetes accessible to everyone, from everywhere. 

Here are a few recent highlights across our container services and tools, aimed at helping you build and modernize your most important apps with cloud native:

The most scalable fully managed Kubernetes service, Google Kubernetes Engine (GKE), achieved an overall solution score of 92 out of 100 in Gartner’s Solution Scorecard. In 2021, we introduced GKE Autopilot, a fully managed, security-hardened Kubernetes service optimized for production workloads. This unique mode of operation allows you to focus on your workloads while Google manages your cluster infrastructure. There’s nothing else like it. Then, we made GKE apps even faster with GKE image streaming. With proven scalability to 15K nodes in a single cluster and innovations such as four-way autoscaling, node auto-upgrades, integrated logging and metrics, cost optimization insights, native backup and restore, and multi-instance GPUs to accelerate machine learning workloads, GKE remains the best choice in managed Kubernetes services.

With Cloud Run, we expanded the range of users who benefit from containers to those who don’t know much about them. Introduced in 2019, Cloud Run combines the serverless attributes of autoscaling and developer experience with the flexibility of containers. Developers can use any language, runtime or binary, and deploy code using buildpacks to automatically build container images from source without worrying about provisioning machines and clusters. Cloud Run goes beyond FaaS and beyond earlier generations of serverless computing. Cloud Run runs more legacy workloads, integrates with Cloud Build for secure and compliant builds, offers deeper cost controls and billing flexibility, and encourages portability. We added support for social feeds, collaborative editing, and multiplayer games that use bidirectional streaming. Minimum instances reduce cold-start delays so you can run more latency-sensitive applications. And recently, we launched support for network file systems, allowing developers to share and persist data between multiple containers and services.

Anthos is at the heart of the Google Distributed Cloud, a portfolio of software and hardware solutions announced in 2021 that extend Google’s container platform services to the data center and the edge. Anthos is how we extend GKE to wherever you need cloud-native apps. Manage clusters on-premises on bare metal and VMware-virtualized servers, on AWS and Azure, and at the edge – all with a Google Cloud-backed control plane for consistent, automated operations at scale. We added a hosted service for configuration management to keep all your clusters in sync, and trimmed our installation footprint and streamlined cluster management with a new multi-cloud API that enables you to use a single API for full lifecycle management of Anthos Kubernetes clusters in AWS or Azure.

Finally, since no public cloud container platform is complete without powerful DevOps tools, we expanded our CI/CD offerings to make your developers even more productive, wherever they build and deploy cloud native apps. Use Cloud Code and Cloud Shell as your go-to cloud-native IDEs. Cloud Build is a fully managed serverless DevOps automation platform for use cases spanning CI/CD, Infrastructure-as-Code, AI/MLOps, and more, across infrastructure GKE, Cloud Run, Cloud Functions and more. Google Cloud Deploy is a fully managed continuous delivery service that provides one-click release promotion and roll-backs, built-in metrics, and out-of-the-box security. Artifact Registry and Container Analysis provide managed artifact repositories, vulnerability scanning, and help secure the software supply chain.Google Cloud has a solid cloud-native innovation roadmap, targeting simplicity at scale for enterprise clients.The Forrester Wave: Public Cloud Container Platforms, Q1 2022

We are delighted and humbled to be recognized as a Leader in public cloud container platforms by Forrester. Grab your copy of The Forrester Wave^TM: Public Cloud Container Platforms, Q1 2022 today and let us know how we can help you build and modernize your most important apps how you want and where you want.

Apigee is committed to continually innovating new capabilities and solutions for our customers, and 2021 saw new product launches, partnerships, and best practices for managing your expanding range of business-critical use cases. Here are some of our favorite stories from 2021. 

Spotting the trends in APIs

Our State of API Economy 2021 Report surveyed over 700 IT leaders globally and identified five key API trends that emerged post-COVID. SaaS and hybrid cloud-based API deployments are increasing with half of all respondents reporting increases in these areas, and AI- and ML-powered API management is also gaining traction, with usage growing 230% year-over-year among Apigee customers. Business metrics like Net Promoter Score (NPS) and speed-to-market are API users’ preferred way to measure success, and API ecosystems are increasingly innovation drivers, with high-maturity organizations much more likely to focus on building a developer ecosystem or B2B partner ecosystem around their API. Finally, API security and governance is more important than ever, as research showed that increased investment in security and governance was a high priority. Check out the blog to explore these five trends in more detail.

Launching new capabilities with Apigee X

We announced Apigee X, our next-generation platform that brings the powerful scale of Google technologies to Apigee API Management and allows enterprises to power API programs for enhanced scale, security, and automation. Apigee X customers can harness the capabilities of Cloud CDN to maximize the availability and performance of APIs across the globe, deploying across more than two dozen Google Cloud regions and enhancing caching at over 100 locations. Apigee X customers can apply solutions like Cloud Armor web application firewall for enhanced API security and Cloud Identity and Access Management (IAM) for authenticating and authorizing access to the Apigee platform. Apigee X also enhances automation by applying Google Cloud’s AI and ML capabilities to historical API metadata to detect anomalies, predict traffic, and ensure compliance. To read more about these features, check out our blogs on Apigee X and Cloud Armor, Apigee X and Cloud CDN, and Apigee X and AI. 

Making new connections with Apigee Integration

Apigee brought our successful API-first approach to integration this year with the release of Apigee Integration. This silo-busting solution lets customers connect existing data and applications, and surface them as easily accessible APIs. Apigee Integration brings together the best of API management and integration into one unified platform so IT teams can scale their operations, improve developer productivity, and increase the speed to market. The platform comes with built-in connectors to Salesforce, Cloud SQL (MySQL, PostgreSQL), Cloud Pub/Sub and BigQuery, with connectors for additional third-party applications and databases on their way. Advanced integration patterns also serve our customers with even more use cases. Check out our launch blog and our Next session video for more details. 

Managing GraphQL APIs with Apigee

The exponential rise in digital services adoption among enterprises now generates petabytes of data every minute. You can harness the power of this data with query languages like GraphQL, accessing the data your app needs with one single request. The growing popularity of GraphQL APIs and their business-critical use cases mean it’s important to manage them with full life cycle capabilities, much like you manage your REST APIs. Last year we compared REST and GraphQL and introduced best practices for managing GraphQL APIs. You can also read our blog announcing Apigee’s support for the management of GraphQL APIs, and our partnership with StepZen to deliver these capabilities. To dive deeper into building GraphQL APIs, check out our Next session video. 

Looking back at the year’s top stories

2021 was the year of the customer, and we published the following stories to show how API management helps enterprises modernize their applications, build digital ecosystems, and generate value for their customers and their own organizations:

• Telco:
  • Leveraging APIs to create value for telco ecosystems 
  • How the MTN Group is expanding its business with APIs
• Retail:
  • Conversational AI with Apigee API Management for enhancing customer experiences
  • Seven-Eleven Japan uses Google Cloud to serve up real-time data for fast business decisions
• Financial services:
  • Arab Bank: Accelerating application innovation with Anthos and Apigee
  • Military Bank: Turns to Apigee to manage its API strategy and deliver digital transformation
• Energy: 
  • How Veolia’s API-first approach is powering sustainable resource management
  • GRTgaz: Calling on Apigee to help internal and external partners access intelligence securely

That’s a wrap for 2021! We hope you have a safe and happy holiday season, and we can’t wait to see what the new year brings for us. Stay tuned in 2022 for product launch announcements, partnerships, tips, and stories of how organizations like yours are innovating with Apigee.