Digital Transformation The development of digital economic and financial transactions has experienced a big leap in recent years. Strong support for financial technology innovation has triggered a significant transformation of customer preferences in making payments, money transfers, investments, as well as the acceleration of digital banking. In achieving digitalization transformation, BRI continues to innovate and develop as an initiation of business process reengineering which also supports environmental preservation. One initiative to support digital innovation is through BRImo SuperApps. Through a series of innovations carried out in the last year, BRI’s flagship mobile banking application has generated 3.1 billion transactions. Meanwhile, up to December 2023, BRImo’s transaction value has reached IDR4.16 trillion or grew by around 55.8% YoY annually (Year on Year) with FBI reaching IDR2.43 trillion. Currently, BRImo focuses on 8 (eight) segments of customer needs starting from online onboarding, financial superstore, digital lending, lifestyle ecosystem, investment, customer engagement, subsidiary integration to branchless services. Through this focus, BRImo has presented superior features including: First in Industry BRImo SuperApps 4 3 2 1 2021 International transfers to more than 100 countries (SWIFT and Western Union). Forex Conversion QR Merchant Instant Transaction with fast menu 4 3 2 1 2022 Opening Forex Account QR payment with CC as source of fund RDN Investment Personal Financial Management 2023 First in Industry 1 Complain in apps feature and toll-free services to make it easier to file complaints 2 Sabrina provides chat banking services 3 Government Bond 5 Debit Virtual Card 4 QR Cross Border (Singapore) PT Bank Rakyat Indonesia (Persero) Tbk. 2023 Annual Report 20
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