Fakhrul Muhammad Rijal

January 26, 2023 • Bisnis

Melihat Perkembangan Perbankan di Era Digital melalui BRIAPI

Perkembangan perbankan di era digital semakin pesat. Bagi perusahaan, universitas, pemerintah, atau pihak ketiga sejenis, layanan BRIAPI dapat menjadi pilihan utama agar bisnis dapat terdigitalisasi dan menyesuaikan dengan kemajuan teknologi.

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perkembangan perbankan digital

Fakhrul Muhammad Rijal

January 25, 2023 • Bisnis

Peran BRIAPI Bantu Lembaga Keuangan Mikro di Indonesia Go Digital

Tingkatkan produktivitas peran lembaga keuangan mikro (LKM) di Indonesia dalam membantu UMKM dengan transformasi digital. Inilah produk BRIAPI yang memudahkan proses go digital bagi LKM.

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Tumpukan koin alat tukar uang

Fakhrul Muhammad Rijal

January 09, 2023 • Bisnis

5 Manfaat dan Kegunaan SNAP Bank Indonesia, Mudahkan Pembayaran Masyarakat

SNAP merupakan pedoman tata kelola sebagai standar sistem pembayaran digital. Kegunaan SNAP tidak hanya sebagai standarisasi bahasa, tetapi juga berguna sebagai pengawasan dan peningkatan layanan keuangan.

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Transaksi di kasir dengan SNAP

Fakhrul Muhammad Rijal

January 09, 2023 • Bisnis

SNAP Bank Indonesia: Panduan Umum Open API Pembayaran

SNAP Bank Indonesia tercipta untuk menyeragamkan bahasa, tata kelola, protokol keamanan, dan data pembayaran. Tujuannya adalah membentuk ekosistem pembayaran digital yang andal, kompetitif, dan melindungi data konsumen.

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Cashless payment dengan smartphone

Fakhrul Muhammad Rijal

December 19, 2022 • Bisnis

10 Manfaat Open Banking di Berbagai Industri, dari Retail sampai Fintech

Pelaksanaan open banking menggunakan sistem API. Dengan adanya manfaat API, perusahaan yang melakukan kerjasama dengan bank bisa mendapatkan akses ke data konsumen untuk penggunaan pelayanannya dan memberi beragam manfaat untuk industri.

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10 Manfaat Open Banking di Berbagai Industri

Fakhrul Muhammad Rijal

December 12, 2022 • Bisnis

Bagaimana Manajemen Risiko Perbankan Diterapkan Open Banking BRIAPI?

Inovasi semakin masif berkat berbagai integrasi melalui open banking. Namun di sisi lain, terjadi peningkatan pertukaran dan pemrosesan data nasabah. Bagaimana BRI menerapkan manajemen risiko perbankan dalam layanan BRIAPI?

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manajemen risiko perbankan untuk nasabah pengguna kartu

Fakhrul Muhammad Rijal

December 12, 2022 • Bisnis

Apa Itu Open Banking: Panduan Perbankan Terbuka Terlengkap

Pada dasarnya, open banking

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open banking untuk masyarakat

Fakhrul Muhammad Rijal

November 15, 2022 • Inovasi

Hadapi Disrupsi Teknologi Digital pada Perbankan Lewat BRIAPI

Pada dasarnya, disrupsi teknologi digital pada perbankan merupakan salah satu dampak dari Revolusi Industri 4.0. Maka dari itu, teknologi digital ini penting untuk layanan perbankan agar bisa dengan cepat memenuhi harapan masyarakat Indonesia. Salah satu di antaranya adalah dengan menggunakan layanan BRIAPI dari Bank BRI.

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disrupsi teknologi digital pada perbankan

Fakhrul Muhammad Rijal

November 02, 2022 • Inovasi

Era Disrupsi di Indonesia dan Cara BRIAPI Menjawab Tantangannya

Era disrupsi adalah masa di mana terjadi banyak perubahan yang mempengaruhi berbagai aspek kehidupan, termasuk perbankan. Inilah cara BRI bersaing di era ini, dengan BRIAPI.

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era disrupsi teknologi

Fakhrul Muhammad Rijal

November 02, 2022 • Inovasi

Mengenal Disrupsi Teknologi: Definisi, Dampak, Hingga Contohnya

Disrupsi teknologi adalah transformasi mendasar secara menyeluruh yang berkaitan dengan sistem perkembangan teknologi digital. Contohnya peran manusia mulai tergantikan oleh robot yang membawa kebaikan, yaitu memudahkan pekerjaan. Namun, disrupsi teknologi juga mempunyai pengaruh buruk bagi bisnis.

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disrupsi teknologi adalah berpengaruh pada kegiatan sehari-hari

Fakhrul Muhammad Rijal

January 09, 2023 • Business

Understanding the Vital Role of BRI Open Banking for E-Commerce Payment Systems

BRIAPI is a payment system programming for e-commerce with API owned by Bank BRI. This system allows the integration process between the BRI bank system and various third party applications. Until 2022, BRIAPI has collaborated with more than 700 partners, both government agencies, educational institutions, to marketplaces and fintech companies. The presence of this technology will make it easier for you to use payment features with BRI services.

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peran open banking untuk pembayaran e-commerce

Fakhrul Muhammad Rijal

December 19, 2022 • Business

The Development of E-commerce in Indonesia: Definition, Types, and Benefits

E-commerce is the advanced technology we hear about today. The growth of e-commerce in Indonesia has increased sharply after the pandemic. At the beginning of 2020, online business transactions increased by around 33% and is projected to continue to increase every year. This happens because there are many benefits offered by e-commerce.

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perkembangan e-commerce

Fakhrul Muhammad Rijal

October 25, 2022 • Teknologi

The Importance of BRI's Role in the Payment Gateway System in Indonesia

With the proliferation of digital transaction applications in Indonesia, BRI through the development of BRIAPI seeks to support the increasingly massive use of payment gateways in Indonesia.

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 payment gateway lewat kartu

Fakhrul Muhammad Rijal

December 07, 2022 • Business

Understanding the Development of Payment Gateways in Indonesia: Definition, Benefits, and How It Works

Digital banking solutions such as payment gateways have been developed over the past decade to meet the growing need for secure online transactions for all parties.

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 payment gateway mesin edc

BRIAPI Team

June 15, 2022 • Business

This Is How BRIAPI Helps FinTech Development in Indonesia

Lately, financial technology or FinTech is booming. The increasing need for funding is one of the reasons the FinTech industry is growing rapidly. In line with the vision of financial inclusion, BRI also supports FinTech development in Indonesia through BRIAPI. By integrating the open banking technology, FinTech companies can have access to BRI digital banking services.

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tim BRIAPI dan mitra FinTech sedang berkolaborasi

BRIAPI Team

June 10, 2022 • Innovation

See How BRIAPI Open Banking Tech Accelerates Business Growth in Indonesia

The future of open banking in Indonesia is expected to be brighter. It successfully changes the way transactions are made while helping businesses to organize their finances. As a driver of open banking, BRIAPI provides access to the more convenient, secure, faster, and easier digital banking services.

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open banking BRIAPI bantu perkembangan bisnis di Indonesia

BRIAPI Team

June 02, 2022 • Gaya Hidup

Towards Indonesia Cashless Society, BRI Maximizes Open Banking through BRIAPI

The seemingly unstoppable increasing needs drive people to use electronic transactions more than ever. Eventually, it makes us a part of a cashless society, an economic phenomenon where people use non-cash payment instruments for every financial transaction.

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BRI menjadi bagian dari cashless society di Indonesia lewat BRIAPI

BRIAPI Team

June 15, 2022 • Innovation

Understanding the Acceleration of Digital Transformation Through BRIAPI Open Banking

Digital transformation has become the key to keeping it up to date with today's conditions. As a leading bank, BRI strives to encourage digital transformation in the country. As a result, our customers are now rapidly transforming into a digital society. See how BRI encourages its implementation through BRIAPI.

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Mitra BRI menggunakan layanan open banking BRIAPI untuk mempercepat transformasi digital

BRIAPI Team

May 24, 2022 • Teknologi

Get to know Sandbox in the Payment Business System

Sandbox functions as a virtual ecosystem for various trials, from product development to cybersecurity testing. While it ensures the product's compatibility with the existing system, the trial also guarantees the product from various security risks.

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Apa itu sandbox yang digunakan developer untuk menguji program

BRIAPI Team

May 24, 2022 • Teknologi

Understanding Open API Framework in Indonesia's Open Banking Initiatives

The open banking initiative aims to drive digital transformation and establish banks as key institutions in the digital financial economy. To implement the initiative, Bank Indonesia formulated Indonesian Open API Framework to assist open banking development in a structured manner.

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Framework Open API dalam inisiatif open banking di Indonesia

BRIAPI Team

May 10, 2022 • Business

Get to Know Virtual Account, A Faster and Safer Payment Method for Digital Transactions

Today, Virtual Accounts are one of the digital payment methods that are often used by the public. By understanding it, you can consider a Virtual Account to complete the payment method.

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Nasabah BRI menggunakan Virtual Account sebagai metode pembayaran

BRIAPI Team

May 10, 2022 • Gaya Hidup

Digital Payment Trends in Indonesia, Embracing The New Form of Money with BRIAPI

Thanks to digital payments, consumers can conduct any transaction without bringing cash in their hands. In fact, convenience and security have become key factors compared to traditional payment methods.

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Pebisnis menggunakan pembayaran digital dari BRIAPI

BRIAPI Team

May 09, 2022 • Business

MSMEs Digitalization Boosts Their Revenues in 2022

MSMEs have been severely impacted by the COVID-19 pandemic. As a result, the digitization of MSMEs is carried out to maintain the business. In fact, 8 out of 10 MSME businesses say that the use of digital platforms has helped them run their business in difficult times.

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Digitalisasi UMKM dongkrak pendapatan UMKM di tahun 2022

BRIAPI Team

May 09, 2022 • Business

Optimize Your Digital Business Opportunities with BI Standardized API from BRI

Today, e-commerce and all businesses have been increasingly going digital. Collaborative research shows in the next 5 years, more than 50 percent of digital business revenue will come from online sources. As matter of fact, digital business is not just 'selling online'. Beyond that, digital businesses focus on the use of technology. So, companies can offer competitive advantages over their competitors.

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Pebisnis memanfaatkan bisnis digital dengan memanfaatkan teknologi

BRIAPI Team

February 07, 2022 • Teknologi

Open Banking Adoption in 2022 Accelerates Banking Digitalization

In 2022, open banking is predicted to be even more promising. It’s good to be true, since open banking is a clear manifestation of banking digitalization. With it, companies will be fully prepared to face various challenges that await in the future. As one of the banking digitalization pillars, open banking allows any bank to open their customers' financial data and information to third parties.

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Open banking di 2022 akan mempercepat digitalisasi perbankan

BRIAPI Team

February 04, 2022 • Business

BRIAPI Provides Non-Cash Payment Instruments for MSMEs

Payment systems continue to evolve from time to time. Payment instruments that used to be cash-based have evolved into paper-based and card-based ones. Thus, dramatic changes in payment systems and instruments require all players, including MSMEs to evolve and be more flexible in providing payment options.

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Pelanggan Bank BRI bertransaksi dengan mesin EDC

BRIAPI Team

September 13, 2021 • Teknologi

7 Benefits of Bank API for Business and Developers

Keeping up with tech development has become super essential for businesses to maintain their solid business performance. Implementing the latest tech trends will help your business adapt to the digital era, survive through crises, and add competitive edges against other business players. In this more advanced digital era, cross-sector collaboration is inevitable, and various tech advancements are presented to answer these needs, such as open API. API or Application Programming Interface will seamlessly connect one application with another by bridging several features amongst them. There are numerous types of APIs you can implement, one of them is the Open Banking API. From providing hassle-free mass payment services to building an integrated technology platform, API Banking certainly brings advantages for businesses and developers.

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Bank API to develop business

BRIAPI Team

September 13, 2021 • Teknologi

API Sandbox: Definition, Benefits, and Best Practices

API sandbox is a feature for simulating and testing Application Programming Interface (API). For developers, those activities are pivotal. Before integrating API in the production environment, they must be aware of errors that could occur in the integration process. Thus, as an API service provider, BRIAPI provides an API sandbox that helps developers to simulate and test APIs. It allows them to create conditions similar to production behavior on their platforms.

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Developers are discussing on the utilization of API sandbox

BRIAPI Team

September 02, 2021 • Business

Trends in Online Payment System to e-Wallet for Business Development

The rise of the digital economy encourages people to be more active in online business, especially in the marketplace business. Bank Indonesia has even projected that online transactions through marketplaces will grow up to 33.2% in 2021. This is still coupled with Open API presence to support marketplace that makes it easier for businessmen to provide online payment systems Besides, the data from BI also highlights that Indonesia is one of several countries that will develop massively in the digital economy sector. According to a research by Google, Temasek, and Bain titled E-conomy SEA 2019, Indonesia’s digital economy GMV is predicted to reach US$130 Billion in 2025. In addition, according to Bank Indonesia, the value of digital transactions will have a double digit growth with e-commerce increasing by 33.2% and banking 19.1% year-on-year by this year.

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Seorang pria sedang melakukan pembayaran online untuk bertransaksi di marketplace

BRIAPI Team

August 25, 2021 • Teknologi

Non-Cash Payment Instruments: Definition, Types, and Benefits

In the midst of rapid development of technology and digitalization, payment systems have also been evolving. The constantly changing transaction mechanisms that demand fast and practical payments make cash payment roles progressively replaced by non-cash payment instruments. According to Bank Indonesia, in 2019 the value of cashless transactions reached Rp128 trillion, an increase of five times from 2014 which was around Rp3.3 trillion. This means that the evolution of payments is really happening right now.

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BRI customer use credit cards as non-cash payment instruments

BRIAPI Team

August 25, 2021 • Teknologi

API Key: Definition, Functions, and Benefits

Nowadays, payment systems are getting faster and more efficient thanks to the open banking scheme. With this practice, a bank can provide access to customer data and information to third parties through an API (Application Programming Interface) in accordance with their authority. Nevertheless, security factors should not be underestimated, especially when it concerns the use of customer information and data. Thus, BRIAPI as an open banking product for Bank BRI uses an API key as the first security gate.

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apikey

BRIAPI Team

August 24, 2021 • General

What is API: Definition, How It Works, Architecture, and Benefits for Your Business

Nowadays, we often use digital payment methods to make purchases in the marketplace. But, have you ever wondered how the process goes? How do banks and marketplaces connect with each other? In that seemingly invisible process, Application Programming Interface or API comes in.

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 gadget users browsing results with the keyword “what is API”

BRIAPI Team

July 30, 2021 • Business

Ready to Welcome the Digital Age? Here Are 3 Things Your Business Should Prepare

It is undeniable that digital disruption due to the Industrial Revolution 4.0 has an impact on cross-industry businesses. Digital disruption really creates new conditions for businesses due to the easy access and flow of information flowing through digital platforms. It doesn't stop there, the COVID-19 pandemic attack in 2020 also seems to be forcing us to transform our business to be more ready to face the digital era. Here are some things that you must prepare to transform your business to welcome the digital era

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Seorang pebisnis sedang menganalisa grafik pertumbuhan bisnisnya di era digital

BRIAPI Team

July 30, 2021 • Business

Providing Various Strategic Steps, BRI Helps Create Financial Inclusion

Financial inclusion is a condition where every community has access to various quality, on time, smooth and safe formal financial services at affordable costs according to their individual needs and abilities. Based on the Survei Nasional Literasi Keuangan (SNLIK) conducted by the Otoritas Jasa Keuangan (OJK) in 2019, Indonesia's financial inclusion index stood at 76.19%. This figure has increased by 8.39% when compared to the previous 3 years. The increase in the financial inclusion index is certainly a positive sign regarding equitable economic growth in Indonesia.

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Inklusi Finansial

BRIAPI Team

July 30, 2021 • Business

3 Key Factors to Thrive Your E-Commerce Business

Along with the rapidly growing number of Internet users in Indonesia, the number of e-commerce users is also growing rapidly. According to GlobalWebIndex in 2019, Indonesia is the country with the highest e-commerce adoption rate in the world. As many as 90% of internet users aged 16-64 years have already experienced online shopping. Global management consultant McKinsey & Company even stated that Indonesia's e-commerce market capitalization value will reach USD 40 billion by 2022.

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Keranjang belanja e-commerce di atas laptop

BRIAPI Team

July 30, 2021 • Business

Most Effective Way to Monitor Exchange Rates for Your Business

In contrast to domestic trade which only uses one currency, a business that has penetrated international market is required to monitor the exchange rate of the country with which the business is trading. It is because every day, foreign currencies are always changing and even fluctuating. One time, rupiah is stronger compared to other currencies (appreciation). But other times, it weakens or what we call commonly as depreciation.

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Papan kurs elektronik dengan nilai tukar dari berbagai negara

BRIAPI Team

July 30, 2021 • Business

Reach 70 Million BRI Customers and Grow Your Business with BRIAPI

BRI is once again recognized as a world-class bank by ranking 112 of the best banks in the world and becoming the number one bank in Indonesia in the list of "1000 Best World Banks in 2020" issued by The Banker. This is assessed based on growth rate, profit, asset quality, operational efficiency, return on risk, liquidity, and others.

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 Nasabah, kantor cabang, serta mesin e-channel BRI yang tersebar di seluruh Indonesia

BRIAPI Team

July 28, 2021 • Business

7 Online Transactions Advantages For Business Owners

Online transactions have become more common in the digital age. Ever since the pandemic arrived, it has accelerated the digitization process in literally all fields including business. At a time when people's mobility is becoming more and more limited, online transactions become an option to meet various needs ranging from primary needs such as food, drinks, and other household supplies to tertiary needs (gadgets, automotive, or other hobbies).

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Pemilik bisnis melakukan transaksi online dengan pelanggannya

BRIAPI Team

July 28, 2021 • Business

Increase the Transaction Value of Your Business with Online Payment System from BRIAPI

Online payment system is an absolute feature that businesses must provide to consumers amidst a pandemic situation. This is due to consumers preferring to shop online rather than coming directly to the store. Bank Indonesia (BI) reported that during the pandemic the number of digital transactions continued to grow. The value of digital banking transactions has reached IDR 2,774.5 trillion or increased by 13.91% as per December 2020.

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A man using his phone to do online payment with BRIAPI

BRIAPI Team

December 08, 2020 • Innovation

Manage Company’s Finances Easily with BRI Bank API

The more successful the business, the more complicated its transactional processes, and the more intricate the cash flow is. However, Open Banking API served the best solution for businesses to manage its banking transactions hassle-free. BRI through BRIAPI will enable quick and easy integration of BRI financial services and products into your business dashboard for a seamless company financial management and bank’s Cash Management System (CMS).

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bri-finance

BRIAPI Team

December 08, 2020 • Business

BRI Ensures Open Banking Security in BRIAPI

As the largest bank in Indonesia, BRI actively take part in realizing Indonesia Payment System Blueprint 2025 by developing Open Banking through the creation of BRIAPI. This is one of BRI efforts in digital transformation and big-data utilization to support financial industry

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jamina-keamanan

BRIAPI Team

November 10, 2020 • Business

Seize Digital Transaction Opportunities in Indonesia with BRIAPI Open API

The rise of digital transactions has driven Indonesia's Open API trend. Currently, the demands for digital transformation are increasing due to the pandemic that requires many activities to be carried out virtually. From educational to trading activities, all must be done online. According to Bank Indonesia (BI), Indonesia growth in digital transactions in 2021 is expected to skyrocket, with a significant acceleration of digital banking and e-commerce transactions. It is mainly a clear consequence of the COVID-19 pandemic that encourages consumers to adapt, shifting their behaviour of shopping from offline stores to digital platforms.

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Open API BRIAPI helps business owners seize digital transaction opportunities

BRIAPI Team

November 10, 2020 • Business

Get to Know BRI Virtual Account and Its Benefits in Online Payment

Making payments via bank transfer manually can be a little annoying either for business owners or customers. From the customers’ side, they have to confirm after making transactions by sending a transfer slip or their mobile banking screenshot. On the other hand, the business owners must confirm the payments manually.

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news5

BRIAPI Team

November 10, 2020 • Updates

The Transaction Process Easier with API Direct Debit BRIAPI

Living in the digital era of 4.0, we would rely on easy and fast banking transactions, thus many digital businesses offer easier, faster and simpler payment transactions. However, if a business cannot offer such privileges, it will most likely lose the customers. Based on a study, the drop-off rate from online stores reached 70%, because the customers do not like the complicated process when they are making payments.

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news4

BRIAPI Team

November 10, 2020 • Updates

Take Advantage of Geolocation API BRIAPI E-Channel for Your Digital Business

BRI has devoted itself to providing more ATMs (Automated Teller Machines) throughout the country to boost the banking access and services for customers. As a result, BRI is the bank with the most ATMs in Indonesia. In September 2019, BRI had 20.864 ATMs and 3.209 CRM (Cash Recycle Machine).

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news3