SPECIAL ADVERTISING SECTIONIndonesia 7Reflecting its deep-rooted commit-
ment to financial inclusion, BRI has even
managed to reach customers out at sea.
The Floating Teras BRI is the world’s first
sea-based banking service that provides
fishermen and coastal communities access
to financial services.
Beyond being a floating bank outlet,
the program aims to promote the rural
economies of coastal communities. In
2016, BRI launched three vessels, the
Bahtera Seva I, II and III. In addition to
banking services, the Bahtera Seva III also
provides mobile healthcare services as
well as a free library.
The Power of Digital
With growing demand by its customers
for higher quality and more customized
financial services, BRI has introduced
more technology into its operations in
recent years. Indeed, technology-centric
services have become the bank’s key
channel for engaging customers across
Indonesia as more people embrace the
digital revolution.
Rather than view digital disruption as a
threat, BRI sees today’s digital era as an
opportunity to innovate to provide better,
faster and more convenient
services for its customers.
For instance, it has launched
a number of digital initiatives
to serve its core MSME cus-
tomer base. These include Teras
BRI Digital, e-Pasar, a one mil-
lion free domain program for
MSMEs, and the launch of a co-
working space.
With the launch of its satellite,
BRIsat, in 2016 to ensure the sta-
bility of its network, the bank can
now optimize its digital banking
services. BRIsat is the first com-
munications satellite in the world
owned and operated by a bank to deliver
financial services.
BRIsat allows BRI to widen its service
coverage across Indonesia and effi-
ciently deliver digital services to previ-
ously out-of-reach consumers in remote
areas of the world’s biggest archipelago.Looking ahead, the bank will continue
to build its own digital bank brands and
has been enhancing its digital capabilities
prowess by partnering with the best
financial technology specialists and
recruiting the best technologists from
all over the globe. It has also adopted a
mobile-first strategy and implemented
solutions such as Open APIs and chatbots.
It will soon have a credit-scoring service
that uses deep learning technology to
expedite the underwriting for its ultra-
microloan customers to support financial
inclusion in Indonesia.The Journey Ahead
BRI is well placed to take advantage of
Indonesia’s growing prosperity. The World
Bank expects the Indonesian economy
to expand by 5.3% in 2018 as overall
fundamentals continue to improve.The bank also has set its sights on
the global market and has expanded its
international network in recent years.
In 2017, it opened a branch office in
Timor-Leste, adding to other overseas
units including BRI New York Agency,
BRI Cayman Island Branch, Hong Kong
Representative Office, BRI Singapore
Branch and BRI Remittance Hong Kong.
BRI is committed to achieving top-tier
status across all its business segments in
Indonesia by 2021, and become the most
valuable bank in Southeast Asia by 2022.
Based on its track record of providing
the best banking services in Indonesia
across all its customer segments, BRI
is well on the road to realize these
ambitious targets.http://www.bri.co.idBRI launched Teras Mobile to reach remote areas across Indonesia.As part of its efforts to fulfill the needs of its digital-savvy customers,
BRI launched its first digital branch in 2016.BRI is the only bank in the world to own and operate
floating banks, providing people in coastal areas
with access to financial services.