Basic Bank InformationPT
Bank Rakyat Indonesia (abbreviated as BRI) is one of the largest commercial banks in Indonesia, founded in 1895 and headquartered in Jakarta, Indonesia. As a commercial bank, BRI has an important presence in the Indonesian financial market and provides comprehensive banking services. BRI is a public company whose shares are publicly traded on the Indonesia Stock Exchange (IDX) and is a public company with a shareholder background that includes both institutional and retail investors.
service scope
BRI's services are mainly focused in Indonesia, but its business has expanded to a number of other countries and regions. With over 10,000 branches, BRI is one of the largest retail banks in the world, with a profound impact in the area of micro, small and micro business and personal banking. The bank's ATM network covers a wide range of functions, providing customers with convenient cash deposits and withdrawals, account inquiries and other functions. BRI's ATM facilities are located throughout Indonesia, ensuring that customers are able to carry out convenient financial operations in areas such as rural and urban areas.
Regulation & ComplianceBRI
is regulated by the Indonesian Financial Services Authority (OJK). In addition, as a commercial bank, BRI also follows international financial regulatory standards to ensure that its operations are compliant. The bank has joined Indonesia's Deposit Insurance Scheme (LPS) to protect customers' deposits. BRI has a strong track record of compliance and is regularly reviewed and regulated to ensure that business activities meet regulatory requirements.
Products & ServicesPT
Bank Rakyat Indonesia (BRI) provides services such as savings, loans, digital banking, investment, insurance, and remittances to individual customers to meet their diverse personal financial needs;
Corporate clients provide services such as commercial lending, cash management, trade finance, corporate banking, digital solutions and financial advisory, with a particular focus on supporting the growth of MSMEs.
In addition, BRI has further strengthened its leading position in Indonesia's financial market through financial inclusion programs and innovative services. With extensive network coverage and advanced digital technology, BRI provides an efficient, convenient and secure financial services experience for both individual and corporate customers.
digital service experience
BRI continues to innovate in digital services, offering a range of convenient mobile and online banking services. Customers can manage their accounts, transfer money, make payments, invest and other operations anytime and anywhere through BRI's APP and online banking platform. The app's user ratings are generally high, with customers rating it highly for its ease of use, functionality, and stability. BRI also integrates face recognition and fingerprint login functions in the app to enhance security and user experience.
Core
FunctionsBRI's APP and online banking platform have core functions such as real-time transfers, bill payments, and investment management. Customers can use these platforms to make domestic and international transfers, pay bills in real-time, view account balances and transaction history, manage portfolios, and more. In addition, BRI's digital platform also provides features such as loan application, credit card management, and more, further enhancing the financial convenience of customers.
Technological
InnovationBRI's investment and innovation in the fintech sector continues to advance. The bank has launched innovative technologies such as AI customer service and robo-advisors, using big data and artificial intelligence to provide customers with personalized financial advice and services. AI customer service is able to respond quickly to customer needs and provide immediate assistance. Robo-advisors provide professional investment advice based on clients' risk appetite and investment objectives. In addition, BRI is also promoting support for open banking APIs and actively promoting collaborations with third-party fintech companies and developers to provide customers with more diverse services.
Customer Service
BRI provides customers with a variety of service channels, including phone customer service, email, live chat, etc. The bank's customer service hotline provides round-the-clock support to ensure that customers can get help at all times. Through email and live chat, customers are also able to conveniently consult with their banks and resolve account or transaction-related issues. BRI also provides multilingual services to ensure that customers from all backgrounds can receive a timely response.
Security
MeasuresBRI invests significant resources in the security of customer accounts. The bank uses advanced encryption technology and two-factor authentication measures to ensure the safety of customer information and funds. Both the app and online banking platform support biometric logins (such as fingerprint and facial recognition), further enhancing account security. In addition, BRI has established a robust anti-fraud system to monitor abnormal transactions in real-time and prevent unauthorized access to customer accounts.
Featured Services and Differentiated
BRI's characteristic services are mainly reflected in its services to small and micro enterprises and individual customers. As the largest retail bank in Indonesia, BRI has always focused on supporting small and micro businesses, providing specialized financing solutions and financial services to help them grow. In addition, BRI's innovation in digital services has won it the hearts of its customers. By continuously optimizing the mobile banking platform and providing robo-advisors and AI customer service, BRI provides customers with a convenient and secure financial service experience.
Overall, BRI continues to hold a leading position in the Indonesian market with its extensive branch network, solid financial position, and strong digital transformation. Whether it is in the personal banking business or the financing of small and micro enterprises, BRI has demonstrated strong competitiveness. Through continuous innovation and service optimization, BRI provides customers with a diverse range of financial solutions to help individuals and businesses achieve their financial goals.
