redefine banking product delivery to accelerate digital transformation
summary
Bank Rakyat Indonesia builds a BRIap open API platform and exposes reusable microservices (credit scoring, eKYC, digital signature, fund transfer) via an API gateway so partners can embed banking features. It ships PINA digital lending and Brimo account opening with eKYC, cuts loan processing from two weeks → two days, and reports API-driven transactions that net roughly IDR 45 trillion in 2020 with ~88 million authorizations, demonstrating the model both scales and generates new revenue streams.
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chapters (9)
- 0:00Introduction
- 2:26Reasons behind being in digital transformation
- 4:38Evolution of banking
- 9:48Two streams
- 11:19Digital products
- 13:08Building the digital product
- 14:34Supporting digital transformation
- 17:15Redefining product delivery
- 19:53Financial impact
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