The era of disruption is a time of many changes. What happened in this era, many newcomers brought breakthroughs that had a strong impact that changed the habits of many people.

For example, online motorcycle taxis have shifted the existence of basic motorcycle taxis, electronic media (e-paper) has shifted the existence of print media, and so on.

What about the banking industry? Check out the explanation below.

Understanding the Age of Disruption

Quoting the Big Indonesian Dictionary, disruption is something that is separated from its place of origin or it can also be an interruption of processes or activities that have been carried out on an ongoing basis.

From the definition of disruption above, it can be concluded that disruption is an event in which there is a series of changes or major breakthroughs that break the old order and replace it with a new one.

In short, disruption is a condition where there is a breakthrough with the new system and has displaced the existence of the old system. The system and the changes in it become a form to compensate for the disruption.

In business, this is a challenge because it requires businesses to innovate regularly so that the business remains relevant to the times and technological developments as well as to maintain its existence.

In fact, banks are also affected by this change. In order not to lose to this transformation, the right strategy is needed so that the company can compete and survive with the times.

Also read: MSMEs Digitization Boosts MSME Revenues in 2022


Characteristics of the Era of Disruption

banking technology for payments


Some of the characteristics of this era are

1. Volatility

Volatility is a condition in which there is a very fast change from one event to another whose changes are difficult to predict and certainly unstable. The changes were big and in various fields.

In some conditions, this volatility can be a dangerous condition or threaten business. However, this is not always the case. To overcome this, the most important thing is to improve skills, knowledge, and talents in order to face the digital era and various challenges that will arise in the future.

In business, for example, changes in the way of shopping are changing very quickly. Starting from switching to digital, an increasingly advanced marketplace, to shopping through social media. BRI succeeded in dealing with this by providing BRIAPI to be integrated into a payment system on various platforms.

2. Uncertainty

Literally, it means uncertainty. This type of disruption means a series of changes that occur and cause uncertainty due to the lack of specific information.

3. Complexity

Complexity here refers to the accumulation of components or relationships between components that cause change. In disruption, the components that play a role there and the interrelationships between the 

components are both complex.

4. Ambiguity

The word ambiguity or ambiguity means language that can make multiple interpretations between one person and another. Ambiguity can lead to misunderstandings.

From these four points, the characteristics of the era of disruption can be simplified as VUCA (Volatility, Uncertainty, Complexity, and Ambiguity), a condition that causes changes to occur quickly and the pattern is difficult to predict.

The Journey of the Disruption Era in Indonesia

In general, disruption means a fundamental change. However, when this era is associated with economic conditions in Indonesia, the era of disruption can mean a period where activities that previously could be carried out in face-to-face meetings have now been replaced with digital.

The presence of this digital system stems from the presence of the internet in Indonesia in the 1990s. 

However, people could freely use the internet in the 2000s. Since this, began to appear online stores or online businesses. And today, all online activities have become a habit or lifestyle that people find difficult to leave.

Globally, the industrial revolution 4.0 is also part of technological disruption. The industrial revolution 4.0 is marked by automation in various fields.

The era of disruption is a time of benefit, but it is also difficult to exploit. Because people can easily carry out activities through the palm of their hands (internet), but not everyone can adapt to this digital system.

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


The Role of BRI in the Era of Disruption

briapi service supports technology disruption


To be relevant in technology disruption, BRI continues to innovate. One of the breakthroughs is in the form of digital transformation for BRI internally and for the community. BRI is making digital changes by developing a digital-based platform for its products and services. In the process, BRI has three stages, namely:

Digitizing Core

First, digitizing core or digitizing core banking services and transactions. For example, optimizing existing networks, integrating digital operations, as well as simplifying and standardizing systems. Products related to digitizing core, namely BRImo, BRISpot, and BRILink.

Digital Ecosystem

Then, there is the digital ecosystem. This is creating an environment in which to deliver products and services beyond the core business. BRI builds a digital ecosystem as a vehicle to continue to grow. For example, blockchain technology, launching open banking for businesses, emerging new business models, and partnerships with fintech and other partners through BRIAPI.

New Value Proposition

BRI gave birth to various new value propositions, for example through Ceria and BRIBRAIN. Ceria is an application for fast, light, and secure installments. Meanwhile, BRIBRAIN became the central hub of AI to improve the performance of BRI services from various lines. In addition, BRI is also actively collaborating and investing in financial technology and high-growth startups, through BRI Ventures.

The Role of BRIAPI in Supporting BRI in the Era of Disruption

BRIAPI is a form of BRI's corporate digital change initiative that supports the open banking ecosystem in Indonesia. BRIAPI also helps BRI in shaping a digital ecosystem and getting closer to companies and consumers digitally.

Through BRIAPI, BRI products have been integrated into more than 475 digital ecosystems of partner companies. Starting from electronic commerce, financial technology, online-based transportation services, health technology, to non-digital companies such as educational and government institutions. All of which have become part of BRI's digital transformation.

Through integration with BRIAPI, partner businesses experienced an increase in transaction volume. Since 2021, BRIAPI has recorded 235.1 million transactions through BRIAPI products. This achievement is a form of BRI's commitment to provide the best digital banking services to all customers.

Advantages of BRIAPI

The advantages of BRIAPI are as follows:

1. Already Used by More than 700 Partner Companies

BRIAPI helps connect digital banking services in the form of interbank transactions or digital wallets between users and BRI products. This integration has made it easier for many people as well as business owners. This is because BRI has partnered with more than 700 partner companies.

2. Efficient

BRIAPI was released in 2019. BRIAPI has successfully simplified the process of integrating BRI bank products and services for various front-end applications. After integration, users get various conveniences and streamline various daily activities, for example related to payments.

3. Cheaper

Integration with BRIAPI requires lower costs than manual integration for transaction processing. In addition, BRIAPI is also more efficient than if a business chooses to make a host-to-host payment process.

4. Make Your Business Customer-centric

BRIAPI services are flexible to choose and implement according to customer needs. Businesses can choose what services their customers need and that service or product needs to be integrated with BRIAPI.

5. Data Security

BRIAPI has been certified to ISO 27001:2013 so that data security during an exchange or transaction is guaranteed to be safe. Business owners, partners, and consumers don't have to worry about their data being leaked to unauthorized parties.


Although the era of disruption is marked by massive changes that are fundamental, fast, and uncertain. In fact, BRIAPI has successfully faced this era with Indonesia's digital transformation steps in the realm of open banking. Integrate your business with BRIAPI, for easier transactions in the era of technology disruption.