DOKU has succeeded in expanding its merchant network and its business coverage to remote areas by utilizing BRIAPI to provide BRI banking services.
Get to know DOKU
DOKU is one of the pioneering payment technology companies in Indonesia, with payment gateways as its main service in an integrated payment ecosystem. Mainly focused on B2B, DOKU has supported businesses in various scales since 2007. Through its products, DOKU collaborates with companies, communities, as well as personal consumers.
By integrating BRIAPI, DOKU has succeeded in expanding its business area, especially after providing the BRI Virtual Account (BRIVA) and BRI Direct Debit as their payment options. As a business that connects merchants with banks, DOKU's collaboration with BRIAPI helps merchants to reach more customers, notably in remote areas that only support BRI accounts.
Challenges
DOKU Chief Innovation Officer Rudianto Thong said there is one major problem they have been addressing since its founding in 2007: the payment system. That year, online payment systems were still uncommon in Indonesia. It became the main driver for DOKU to pioneer the payment gateway system provider.
Now, DOKU starts to see the real problem through helicopter-view and believes that overall, the payment system in Indonesia is struggling with conventional methods such as cash payments or manual transfers. While in fact, conventional payment systems have many shortcomings that can actually be anticipated through cashless payment systems.
DOKU strives to provide easier and more efficient payment systems through three pillars: Payment Gateway, Transfer Services, and Collaborative Commerce (C-Commerce). Those pillars build a holistic digital payment ecosystem for any business owners, from enterprise scale to personal sellers.
Solution
In regards to those business pillars, DOKU integrated BRIAPI to complement their digital payment ecosystem with BRI banking services. Since 2020, they have been using BRIAPI with BRIVA as the first product they integrated. It has now become the largest BRI product used by DOKU merchants and customers, as it provides the best payment options especially for those who are BRI customers as well.
In addition to the BRIVA API, DOKU also leverages other transactional APIs such as Direct Debit API and Transfer to Other Banks API. These three APIs have opened up opportunities for DOKU in establishing partnerships with merchants in various regions, especially remote areas. To tap in with BRI, the most widespread bank with more than 70 million customers throughout the country, the business opportunity for DOKU is now wider than ever.
In addition to the BRIVA API, DOKU also leverages other transactional APIs such as Direct Debit API and Transfer to Other Banks API. These three APIs have opened up opportunities for DOKU in establishing partnerships with merchants in various regions, especially remote areas. To tap in with BRI, the most widespread bank with more than 70 million customers throughout the country, the business opportunity for DOKU is now wider than ever.
To accommodate that, DOKU utilizes two informational APIs from BRIAPI: Account Statement API and Account Information API, to make reconciliation runs automatically. Both services have streamlined the manual processes, creating an easier and faster company's financial management process.
Integration Process
"BRIAPI features are comprehensive. All documents related to technical and integration are already available in the documentations," said Rudianto about his first impression on integrating BRIAPI to DOKU. It is one of the benefits BRIAPI offered, to provide everything the users needed within a single dashboard.
The all-in-one documentation allows DOKU to integrate with BRIAPI faster than any other banks' APIs. Through the Open API system, BRIAPI provides system-to-system integration with DOKU as a fintech company so they can get maximum benefits from BRIAPI services.
From its technical side, Rudianto underlined BRIAPI’s security standard which has been certified by PA-DSS (Payment Application Data Security Standard) and ISO: 27001. As an aggregator company that helps connect its merchants with BRI, the latest security standards ensure customers' personal and financial data are secured in every transaction.
In the end, the complete, accessible features within one place, backed up with global security standards compliance, has established the trust between DOKU and BRIAPI. Just like what DOKU believes, “Partnership starts with trust.”
Next Step with BRIAPI
In the future, DOKU believes in its vision to enable everyone to do online payments. It is in line with Bank Indonesia's vision of a cashless society stated in the Indonesia Payment System Blueprint 2025. Following this, DOKU will maximize the use of various BRIAPI services as its trusted partner.
With BRIAPI, DOKU has succeeded in reducing manual operational processes. Now, they are eager to share their success story to all of their merchants, as they strived to establish a win-win solution relationship with all of its partners. DOKU understands that they also want to cut operational costs and other risks from manual payment systems. And as a BRIAPI partner, they know that it can be done by encouraging them to use BRIAPI services.
“We would like to replicate our success story that 'all can be done automatically'. Slow but sure, we are transferring the knowledge we have to our partner merchants. Everything they have will be flawlessly automated to support cashless society vision in 2025," Rudianto spoke.
Hence, the vision becomes a shared goal not only for DOKU, but for all active players in the payment system industry. “We have to have one mission to boost Indonesia becoming a cashless society. It's a strong vision and could be hard to achieve, but not impossible."
"We believe we can get there by continuing to collaborate with BRIAPI."
