AML Prescreening

Create API Read Docs

Used to perform prescreening of international customers who transact.

AML (Anti-Money Laundering)

Anti-Money Laundering (AML) API is a service provided by BRI to assist companies or developers in integrating anti-money laundering solutions into their systems.

Create API Read Docs
Find the detail of our technical documentation of this product by contacting us here

What is AML (Anti-Money Laundering) ?

Anti-Money Laundering (AML) API is a service provided by BRI to assist companies or developers in integrating anti-money laundering solutions into their systems. This API detects and prevents money laundering activities by utilizing relevant data and technology provided by BRI, with data sourced from Dowjones.

AML API refers to procedures, laws, and regulations to prevent individuals or organizations from laundering money and concealing the origins of money obtained from illegal activities such as drug trafficking, corruption, fraud, etc. The AML process ensures that suspicious transactions could be identified and reported before the illicit funds enter the formal economic flow.

AML at BRI facilitates the protection of companies and financial institutions, enabling them to comply with applicable regulations and safeguard the financial system's integrity from harmful practices.

In Practice :

  1. Validating customer identities against international blocklists based on watchlist data.
  2. Detecting suspicious transactions based on financial behavior patterns.

Benefit :
 

Legal Compliance :
Ensures international transactions comply with regulations through watchlist-based screening, helping avoid fines or regulatory findings.
Early Detection :
Automatically detects and secures suspicious transactions at BRI, such as potential money laundering risks.
Better Monitoring :
Automates transaction tracking and reporting to prevent regulatory findings and sanctions.

 

Available API for AML (Anti-Money Laundering)

Here are some of the APIs available for AML (Anti-Money Laundering).

Transfer between BI-FAST participating banks

Facilitating retail payments in real-time, securely, efficiently, and anytime (24/7).

Create API Read Docs

BI-Fast

Facilitating retail payments in real-time, securely, efficiently, and anytime (24/7)

Create API Read Docs

What is BI-Fast ?

BI Fast or BI-FAST is an abbreviation of Bank Indonesia Fast Payment, a payment system developed by Bank Indonesia. Quoted from the official Bank Indonesia website, BI Fast is a national retail payment system infrastructure that can facilitate retail payments in real-time, safely, efficiently, and at any time (24/7). Compared to the Bank Indonesia National Clearing System (SKNBI) whose services are still limited to certain operational hours and effective funds that are not yet real-time as well as limited access to payment channels, BI-FAST can provide payments that are faster, wider, and available at any time.

BI Fast itself is an alternative to the online transfer system provided by banking institutions in Indonesia. Apart from making it easier to make interbank transfers online, there are several other benefits of using BI Fast, namely as follows:

  • Operational hours are 24 hours a day so you can make transactions quickly and practically
  • Real-time-based transaction processing, which means transactions via BI Fast can be processed immediately
  • BI Fast can be accessed via mobile/internet channels or counters and in the future BI Fast will be developed for transactions using QR Code, ATM, and EDC
  • More affordable transfer fees, namely IDR 2,500 per transaction
  • Can transfer using account number, telephone number, or e-mail (proxy address)
  • More complete and automatic security because it is equipped with Countering Financing of Terrorism (CFT), fraud detection, and Anti-Money Laundering (AML) features

BI-FAST is a modernization of SKNBI. Gradually, SKNBI credit transfer and debit transfer services will be transferred to BI-FAST taking into account the industry's readiness to join the BI-FAST ecosystem. In the future, SKNBI will focus on processing Check & Bilyet Giro transactions (paper-based).

In Practice :

  1. Transaction efficiency by reducing processing time.
  2. Instant payments and money transfers.
  3. Pay instantly through the online portal or mobile app.

Benefit :

Transaction Speed :
Payments and money transfers can be processed instantly, reducing waiting time compared to traditional transfer systems that may require several hours or days.
Fraud Risk Reduction :
The BI-FAST system is equipped with advanced security and verification, helping to reduce the risk of fraud and unauthorized transactions.
Reduced Transaction Costs :
Real-time transactions can reduce costs associated with long and expensive transfer processes, such as administrative fees and international transfer fees.

 

Available API for BI-Fast

Here are some of the APIs we have for BI-Fast.

QRIS Customer Presented Mode Dynamic

API service that allows merchant to scan the QR from customer's device for QRIS transacitions

Create API Read Docs

DPLK (Financial Institution Retirement Fund)

This API allows third-party companies to check the balance of DPLK accounts and submit DPLK claim requests.

Create API Read Docs
Find the detail of our technical documentation of this product by contacting us here

What is DPLK (Financial Institution Retirement Fund) ?

The DPLK API is an Application Programming Interface (API) provided by Bank BRI for third-party companies. This API is designed to facilitate the opening of retirement preparation accounts through BRI's DPLK (Employee Pension Savings Program) with the BRIFINE DPLK product offered by BRI. Additionally, this API also allows third-party companies to check the balance of DPLK accounts and submit DPLK claim requests.

The DPLK API can be accessed and used by third-party companies at any time according to their needs, as long as the service is active and there is technological compatibility with Bank BRI.

The DPLK API is designed to provide easy access and integration for third-party companies that want to offer retirement preparation services through BRI's DPLK to their customers. By using this API, companies can provide account opening, balance checking, and BRIFINE DPLK claim submission features automatically and integrated into their platforms.

The DPLK API is intended for third-party companies such as e-commerce, fintech, investment managers, or other financial platforms that want to offer investment products for retirement preparation through BRI's DPLK to their customers.

Third-party companies can integrate the DPLK API with their systems or platforms through the process specified by Bank BRI. After successful integration, companies can offer DPLK account opening, balance checking, and DPLK claim submission services using the interface provided by this API.

With the DPLK API, third-party companies can provide DPLK BRI investment services more efficiently and effectively to their customers while remaining connected to Bank BRI's banking system and BRIFINE DPLK services.

In Practice :

  1. Easy access and integration for third-party companies that want to provide retirement preparation services.
  2. Check pension fund status, update beneficiary information, and simulate various retirement scenarios.
  3. Companies can initiate the pension payment process to ensure timely and accurate payments.

Benefit :

Increased Transparency :
Companies can provide employees with transparent access to their pension fund status, which can increase employee trust and satisfaction.
Retirement Fund Management :
An employee uses a financial planning app to view their retirement projections based on current contributions and investment returns, so as to make better decisions about future savings.
Better Monitoring :
With more structured and easily accessible data, it is possible to conduct more effective supervision of pension fund management.

 

Available API forDPLK (Financial Institution Retirement Fund)

Here are some of the APIs we have for DPLK (Financial Institution Retirement Fund).

Credit Card Payment

API that allows users to pay Co-Brand credit cards

Create API Read Docs

Credit Card Co-Branding

The Credit Card Co-Branding API is an application programming interface (API) that allows business partners of Bank Rakyat Indonesia (BRI) to apply for,

Create API Read Docs
Find the detail of our technical documentation of this product by contacting us here

What is Credit Card Co-Branding

The Credit Card Co-Branding API is an application programming interface (API) that allows business partners of Bank Rakyat Indonesia (BRI) to apply for, manage, and make payments for credit cards offered by BRI. Through this API, BRI's business partners can brand BRI's credit cards, making them co-branded credit cards with their own brand and identity.

The Credit Card Co-Branding API is used when BRI's business partners want to offer credit cards to their customers with a customized brand or identity. The use of this API occurs at various stages, from credit card application submission to the management and payment of issued credit card bills.

The use of the Credit Card Co-Branding API provides several benefits for BRI's business partners, including:

  1. Brand Strengthening: Business partners can strengthen their own brand by offering co-branded credit cards that align with their brand identity. This helps build customer loyalty and increases brand awareness.

  2. Service Diversification: By offering co-branded credit cards, business partners can provide additional financial services to their customers, adding value to their business relationships.

  3. Management Convenience: Through this API, BRI's business partners can easily submit, manage, and track credit card application statuses and automate bill payments, saving time and effort in administrative processes.

The Credit Card Co-Branding API is intended for Bank Rakyat Indonesia's business partners who want to offer credit cards with their own brand and identity to customers. The primary users of this product are third-party application users who want to quickly and easily obtain co-branded credit cards through their own third-party applications.

To use the Credit Card Co-Branding API, BRI's business partners must integrate this API into the software system or application they use. Using this API involves the exchange of data and information related to credit card applications, application management, credit card status, and bill payments through a system connected to the BRI API.

With the Credit Card Co-Branding API, BRI's business partners can expand their services by providing co-branded credit cards, while BRI also benefits from reaching more customers through the branding and distribution of the business partners' credit cards. It's essential to ensure the security and privacy of customer data when using this API and to comply with applicable financial regulations.

In Practice :

  1. BRI business partners who want to offer credit cards with their own brand and identity to customers.
  2. Manage subscriptions, apply discounts, and track usage of exclusive content.

Benefit :

Brand Reinforcement :
Business partners can strengthen their own brand by presenting a credit card that identifies with their brand. This helps in building customer loyalty and increasing brand awareness.
Service Diversification :
By offering co-branded credit cards, business partners can provide additional financial services to their customers, thereby adding value to the business relationship.
Ease of Management :
Through this API, BRI business partners can easily apply, manage and track the status of credit card applications and bill payments automatically, saving time and effort in the administrative process.

 

Available API for Credit Card Co-Branding

Here are some of the APIs we have for Credit Card Co-Branding.

Payment Notification

This API is used to provide the status of the payment.

Create API Read Docs

Reversal

API Cardless Withdrawal is an API that is used to update data to 3rd parties for cash withdrawal processed at ATMs.

Create API Read Docs
Subscribe to Transactional