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.

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.