BRILink Agent

Agent-Based Branchless Banking, is a sharing economy, an agent-based business model that allows our selected customers to provide banking services, including basic savings and transactions.

The BRILink service is an expansion of BRI’s services where BRI cooperates with its customers as agents who can serve banking transactions for the public in real-time. The increasing number of people who have access to financial services will directly affect the increase in the number of customers and deposits, thus in turn increasing the potential for loan disbursement. This is inseparable from the massive support and development of information technology carried out by BRI. This not only improves BRI’s services but also implements financial literacy and inclusion, including in Frontier, Outermost, and Disadvantaged (3T) areas.

The distribution of BRILink Agent has brought the community closer to BRI as a financial service provider, thereby contributing to the achievement of the 8 SDGs goals, including supporting inclusive and sustainable economic growth, productive and comprehensive employment opportunities, and decent work for all. Through the BRILink Agent service, the public can also participate in social protection programs for both health and employment, which is an indicator of the achievement of Goal 10 SDGs.

BRI Digital Advisor

Digital Advisors is a new role/culture which made for all of BRI employees to increase customers' digital savviness and to assist them along the continuum of their digital journey”

To improve the financial and digital literacy of BRI’s customers, BRI has a program for all of BRI’s employees (BRILiaN personnel) which required to act as digital instructors. BRILiaN personnel were given preparation and briefing through socialization. The socialization process is carried out to RM (Funds, Credit, Mantri) as an influencer by conducting outreach and education to all employees in work units regarding BRI’s digital products and how to conduct transactions on digital platforms easily and safely.

Digital Advisors' key activities are:

1. Digital Acquisition: Encourage customers to do banking transactions through BRI digital platform, e.g. opening digital savings, using BRIMO for daily financial transactions, etc.
2. Digital Transaction: Assist customers to perform Financial transactions through IB, Mobile Banking & BRIMO, etc.
3. Secured Digital Transaction: Educate customers to have secure financial transactions, ie. by maintaining personal data confidentiality such as biological mother's name, PIN, OTP, CVV, avoid using wifi in public areas, etc.

Co Location (Senyum Outlet)

Senyum Outlet is an integrated service office between BRI-Pegadaian-PNM that makes it easy for customers from the three companies to make transactions according to their respective needs. BRI, Pegadaian, and PNM business ecosystems complement each other in building integrated services for business people through 3 (three) phases, namely "Empower, Integrate and Upgrade". Through this integration, customers can access 3 (three) types of financing products at once, namely group financing (PNM Mekaar); pawn financing (Pegadaian), and micro-loan (BRI, PNM, Pegadaian). BRI also provides several savings products such as micro-savings; microinsurance; gold savings and investment; as well as digital services BRI Mobile Banking (BRIMo). This synergy aims to expand the reach of the Company by providing more complete financial services and easy access to the public.

Senyum Mobile

Senyum Mobile is an integrated digital sales platform to enable joint acquisition across 3 entities (BRI, Pegadaian & PNM). Senyum Mobile directly connected the existing applications of BRI, Pegadaian, and PNM, namely BRISPOT (BRI digital loan origination application), Selena (Pegadaian sales pipeline management system), PNM Digi (PNM digital loan origination application) to enable joint acquisition within sales officers in three entities.

This application provides a series of features to access loan, saving, and mortgage services in an efficient and integrated manner. For example, opening a gold savings account through BRI's sales force can be done on the Senyum Mobile application and will be directly connected to Pegadaian's database. Vice versa, customers who wish to apply for a loan through the Pegadaian sales force can use Senyum Mobile to be processed by the BRI KUR program.

Through digital transformation and with the "go smaller, go shorter, go faster strategy" BRI's financing services will continue to be developed so would be more efficient and more affordable cost. BRI hopes that this synergy can help Ultra Micro businesses recover quickly from the impact of the Covid-19 pandemic, as well as increase the penetration of Ultra Micro credit segmentation and the microfinance transaction system in society.

BRISPOT

BRISPOT is an Android-based application connected via the internet that allows the initiation process to loan decisions (especially BRI micro, consumer, and small loans) to be made anywhere and anytime so that the loan process can be carried out more quickly and efficiently. In total BRISPOT has more than 140 features which include sales & pipeline features, automated prescreening, monitoring & evaluation, portfolio balancing through profit & loss dashboards to make it easier for micro loan advisors to do portfolio management, integration with UMI corner, and further development of BRILink Agent partnership feature for increasing referral-based distribution in the micro and ultra micro-segments, as well as an early warning system to increase productivity, efficiency and strengthen risk management.

Currently, BRISPOT has been used by more than 47 thousand BRI loan officers and loan approvers, which have proven capable of supporting BRI's business productivity and efficiency. For example, the increase in the number of debtors that can be managed by one Micro Loan Officer has increased dramatically, from before BRISPOT only 334 borrowers per Micro Loan Officer to 517 borrowers.

Teras BRI

Teras BRI is a business unit dedicated to reaching people who live far from BRI branch office facilities. In this program, there is also BRI Mobile Terrace, a mobile service to make it easier for customers to make transactions, as well as BRI Ship Terrace which is aimed at people who live in Frontier, Outermost and Disadvantaged (3T) areas. In 2021, the number of Teras BRI services was 1,697, including 132 Teras BRI Keliling (land vehicles) and 4 on Ships.