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.

Today, we are pleased to announce that Google Workspace has joined the Project Management Institute (PMI) Citizen Developer™ Partner Program. By doing so, we are joining organizations from across the globe who are supporting not only the future of work, but the empowerment of the workers who are leading this charge.

PMI has developed a new suite of resources—called PMI Citizen Developer™—to support individuals and organizations as they embark on their digital transformation journeys. Created with the no-code and low-code community in mind, this first of its kind resource enables a “hyper-agile” way of working to promote best practices on responsible scaling.

“Technologies like AppSheet are democratizing application development and innovation,” said Sam Sibley, Global Head of Citizen Developer at PMI. “No code/low code technology has become a key enabler for faster and more impactful change, allowing organizations to stay relevant by becoming more agile and resilient. Organizations like Google who are at the forefront of technological development are uniquely positioned to support the Citizen Development movement.”

From on-boarding to security at scale, there is no one-size fits all- each organization has a unique set of business needs for consideration. Forrester recently recognized that the demand for citizen developers has reached a critical mass, stating in their report Forrester Wave™: Low-code Platforms for Business Developers, Q4 2021, “This trend is logical, necessary, represents a competitive advantage for firms that do it, and is key to the future of work.”

As a leader in technology for business developers, we’re excited to join the global network of no-code and low-code technologies that are supporting organizations as they build their own future of work. If you’re curious about how you can apply the PMI Citizen Developer™ framework to your organization with no-code, join Google Workspace at PMI’s annual PMXPO virtual event this week.

Workplace collaboration continues to evolve as hybrid work expands its footprint. While both “same-time” and “staggered-time” (or asynchronous) collaboration modes each have their place in the hybrid work environment, organizations and teams sometimes overuse one mode over another. That’s probably because in-person meetings or collaborating in real time have been the default for many organizations, leading to a “same-time” bias, even as new tools make working across time zones and locations seamless. Ultimately, the key for making collaboration scalable and to support employee wellbeing is choosing the right method and tool for the task at hand. With that in mind, here are some ways to get the most out of same-time and staggered-time collaboration in your organization.

Making same-time collaboration more valuable

Historically, many organizations have valued same-time interactions for the fast, direct exchange of information and feedback. They also bring teams together and build human connections. While all these outcomes are powerful and important, same-time collaboration also has some drawbacks — especially in a hybrid environment.

First, same-time interactions can be difficult to arrange. Coordinating schedules requires advanced planning, especially when employees are distributed across time zones or working outside of traditional business hours. Second, back-to-back scheduling can contribute to meeting fatigue. In our recently commissioned global hybrid work survey with Economist Impact, 72% of respondents acknowledged that virtual meetings improve inclusion and participation. At the same time, 68% said there are too many virtual meetings in general, suggesting that even though employees value same-time collaboration, they want it in moderation.

To address these challenges, organizations should consider the collaboration scenarios in which same-time interactions can make the greatest impact. It’s particularly useful when consensus or immediate action is needed, as in briefings, decision-making, and crisis management.

For effective same-time collaboration in a hybrid environment, your employees need tools that help them coordinate real-time interactions and minimize time spent switching apps and context. With Google Workspace, teams can create and access a shared agenda or Google Doc inside a Google Calendar invite, helping align expectations and goals before, during, and after scheduled same-time work sessions. And, the more integrated your collaboration tools are, the easier it is for employees to get right to work when inspiration strikes or a quick decision is needed. For example, team members can initiate spontaneous work sessions by starting a Google Meet directly from Docs, Sheets, or Slides.

Additionally, consider how you can bring real-world collaboration activities into virtual environments to enhance same-time collaboration for distributed teams. For instance, digital whiteboard tools, like Jamboard and Miro in Google Meet, allow people to brainstorm, ideate, and problem-solve in real time from anywhere. Interactive solutions like these empower employees to work together in new ways.

Expanding what’s possible with staggered-time collaboration

Widespread adoption of hybrid work has prompted organizations to turn more frequently to staggered-time collaboration — where team members are free to share and respond to information in their own time. A key benefit of staggered collaboration is improving the experience and wellbeing of employees — specifically, by promoting participation across the team and support for flexible work habits. Allowing team members to engage when they’re most productive, or when it doesn’t interfere with their scheduled focus time, supports their wellbeing. It can also help employees feel heard, valued, and empowered. Staggered-time collaboration can also give team members who may feel uncomfortable or vulnerable speaking up in real time, or who just need time to think about their feedback, a more inviting way to share their perspectives.

Staggered-time collaboration can enhance a range of collaboration scenarios, including assigning tasks and action items, knowledge- and resource-sharing, brainstorming, and giving feedback. To make these interactions successful, employees need secure, intuitive tools that give them the information they need to do their jobs from anywhere, at any time. For example, in Spaces, team members can initiate and take part in group chat threads devoted to project- and topic-based discussions, as well as access files and tasks, to stay in the loop whenever they’re able to participate. For people working on a task or project at varied times, creating a dynamic, single source of truth makes all the difference.

When collaborating on shared documents, a feature like smart canvas enables teammates to assign tasks, build checklists, and share files using @-mentions for easy information access. Meanwhile, automated, built-in summaries in Docs help the team get up to speed without losing focus. Features like these help everyone stay on the same page (literally), even if they’re contributing to a project at different times.

Flexibility and collaboration are not mutually exclusive

Helping people know which tasks call for real-time collaboration and which tasks are better done on their own time is critical for sustaining productivity and wellbeing in a hybrid work world. Employees who are empowered to work in ways that complement their needs, preferences, and schedules typically reward their organization for that flexibility. As Holger Reisinger, Paul Sephton, and Dane Fetterer wrote for the Harvard Business Review, “When leaders give employees the freedom to choose where and when they work, it signals they trust them to do the job they were hired to do. The data shows that that trust is then paid back…at a very high rate, building a tight-knit culture of inclusivity and belonging.”

When you create team norms around same-time and staggered-time collaboration, you can help your employees stay productive and connected — to each other and the broader organization. And by giving them tools that support seamless, secure collaboration experiences from anywhere, the impact on productivity, employee wellbeing, and morale can be transformational.

We’re excited to share the news that leading global research and advisory firm Forrester Research has named Google AppSheet a Leader in the recently released report The Forrester Wave™: Low-code Platforms for Business Developers, Q4 2021. It’s our treasured community of business developers—those closest to the challenges that line-of-business apps can solve—who deserve credit for not only the millions of apps created with AppSheet, but also the collaborative approach to no-code development that has helped further our mission of empowering everyone to build custom solutions to reclaim their time and talent. 

AppSheet received the highest marks possible in the product vision and planned enhancements criteria, with Forrester noting in the report that “AppSheet’s vision for AI-infused-and-supported citizen development is unique and particularly well suited to Google. The tech giant’s deep pockets and ecosystem give AppSheet an advantage in its path to market, market visibility, and product roadmap.”

“Features for process automation and AI are leading,” remarking that, “The platform provides a clean, intuitive modeling environment suitable for both long-running processes and triggered automations, as well as a useful range of pragmatic AI services such as document ingestion.”

Many enterprise customers including Carrefour Property – Carmila, Globe Telecom, American Electric Power, and Singapore Press Holdings (SPH) choose AppSheet as their business developer partner, along with thousands of other organizations in every industry. We are honored to serve these customers and to be a Leader in the Forrester Wave™: Low-code Platforms for Business Developers. We look forward to continuing to innovate and to helping customers on their digital transformation journey. To download the full report, visit here and enter your email address. To learn more about AppSheet, visit our website.

For over five decades, Randstad has matched businesses worldwide with millions of temporary and permanent workers, creating long-lasting, successful working relationships. Today, the company operates a vast multinational recruitment network, with 35,000 employees applying HR expertise in markets from Norway to Malaysia, and more than 37 countries in-between.

To give staff a more mobile, low-maintenance alternative to their previous communications solution, Randstad offered G Suite to its staff in 2012, giving them the option to switch. All of Randstad’s workforce made that choice, assisted by a Randstad “Transformation Kit” containing everything a team needs for a successful migration. Now Randstad’s global community of G Suite users are looking to unleash the full potential of the platform, moving beyond Gmail and Calendar to engineer major efficiencies across the organization.

“Technology gives us more time to be in contact with people,” says Senne Beckers, Senior Accounts Specialist at Randstad. “It means we can give more attention to the people we outsource, our colleagues, and our customers. Our administrative ability is what makes Randstad successful, and G Suite makes all our processes more efficient.”

Sharing tips worldwide to make the most of G Suite tools

“In Sheets, I can create a pivot table and then I can drop Sheets visualizations directly into Slides for presentations. In the past, we would need visual designers to do that, but now I can do it in a matter of minutes.”

– Frank van der Bijl, Business Analyst IT, Randstad

Using Google+, Randstad workers share their ideas for applying G Suite to their work. “We share tips and tricks with each other from all over the world,” says Frank van der Bijl, Business Analyst IT at Randstad. “There’s always someone you can learn from or educate, and that’s an innovation in and of itself. In the past, when we wanted to share information like this, we would contact the internal communications team for them to put something on the company intranet. Now we go straight to Google+ and post it directly.” Randstad calls this project “Google to the Max”, and the boost in collaboration and efficiency helps its staff around the globe be more productive.

Those tips range from saving time by using Calendar to book meeting rooms and check colleague availability, to minimizing unnecessary travel by replacing meetings with Google Hangouts Meet. As an HR company, Randstad handles, optimizes, and edits thousands of résumés every day. By using Google Forms to collect data for résumés and Google Docs to edit them, Randstad teams streamline that core process. “Rather than send résumés back and forth with corrections and suggestions, we work on them all together, directly in Docs,” says Frank. “It’s a collaboration, like how we centralize information in Google Sheets to give everyone on a team a single, up-to-the-minute overview on customers and candidates, maximizing the chances of a successful match.”

Many of the innovations tackle processes that used to create bottlenecks by requiring specialist knowledge. “In Sheets, I can create a pivot table,” says Frank, “then I can drop Sheets visualizations directly into Google Slides for presentations. In the past, we would need visual designers to do that, but now I can do it in a matter of minutes.”

Streamlining annual assessments with Forms and Sheets

“We have more than 1,000 people working for a global airline through Randstad, and because G Suite is so open, the airline, like other clients, uses Google tools to send us information.”

– Senne Beckers, Senior Accounts Specialist, Randstad

In addition to improving internal processes, the innovations directly benefit Randstad clients, as Senne explains: “We have more than 1,000 people working for a global airline through Randstad, and because G Suite is so open, the airline, like other clients, uses Google tools to send us information, even though they work with a different communication platform.”

That flexibility allows Senne and her team to apply G Suite technology to problems outside of Randstad. “We used to have a very old-fashioned way of collecting annual assessments on each of the people we have with the airline,” says Senne. “We would email a document to an airline shift leader, who had to go to his or her computer to receive it, print it, fill out the document, scan it, save it, and then email it back. At one point, the workload was so high that we had to stop taking feedback altogether.”

To simplify the process, Senne implemented Forms, as a fast, mobile way for shift leaders to send their assessments. “With Forms, shift leaders can be inside a plane or out on the runway, and when they want to comment on an employee they can give us instant feedback that goes directly into our system,” explains Senne. Back at the Randstad office, HR then pulls all the data they need directly from Sheets, without having to reference the CRM, chase clients, or search emails.

As a result, it now takes five minutes to create an annual assessment, instead of one hour. Because there are 1,000 employees, a task that took 1,000 hours a year, or 140 working days, can be finished in two and a half weeks.

“Because Sheets translates information directly into graphs as it arrives, we can track the situation at a glance,” says Senne. “Streamlining the creation of annual assessments with Forms doesn’t just make the process more efficient, it also means we can spend more time properly discussing feedback with employees. That’s good for them and great for the airline’s management, which now wants to roll out this approach to more business units.”

Bringing teams together with Google Keep

“Everyone has their own approach, and we’re all sharing our experiences through Google+ and helping colleagues. Every day we find a new feature, which helps us be more efficient, and all we need to implement it is an internet connection.”

– Frank van der Bijl, Business Analyst IT, Randstad

As HR specialists, Randstad employees know that solving individual work issues is only part of the story. For teams to work effectively, solutions need to be brought together in a single place, where they can feed into each other. To make that happen, staff across Randstad use Google Keep to communicate.

“Keep really helps me to structure workflows and share my ideas directly with my team,” says Senne. “I have a lot of ideas all of the time, and Keep means I can make them known to the people I work with, at the same moment as I jot them down during a meeting. It brings Docs, Forms, and Sheets together in one place where we can arrange things intuitively and set priorities. With our to-do lists visible on that central hub, we can all check in on each other and track progress in a transparent way.”

For Senne, that functionality couples neatly with Google Cloud Search. “As a senior account specialist, it’s my responsibility to know what is happening in our teams, and Google Cloud Search helps me keep all of the information at my fingertips, ready for me to share. It’s the home screen on my Chrome browser.”

Recognizing that this agile, fast-paced way of working may be unfamiliar to new employees, Frank uses Google Keep to introduce people to the G Suite tools. “When people are new to a company, they’re sometimes nervous about asking for advice, such as how to ask for a day off,” says Frank. “To help them, I’ve created a four-step checklist of ‘Things you should do when you join Randstad’, which directs them to the information they need to on-board. With Keep I can see where they are in the process and follow up with them if I think they might need help.”

Embracing the interconnected environment

In each of the 39 countries where Randstad is active, operations are moving at their own pace towards greater G Suite integration. And though each is at a different stage in the process, the direction of travel is clear.

“Across the company, the next step will be Chromebooks, so that we fully embrace the interconnected app environment,” says Frank. “Some countries have already fully switched to Chromebooks, and some are migrating all of their data to the cloud. Everyone has their own approach, and we’re all sharing our experiences through Google+ and helping colleagues. Every day we find a new feature, which helps us be more efficient, and all we need to implement it is an internet connection.”