In 2023, BRI’s Digital & Information Technology Directorate focused development on 3 (three) focus areas with the theme Composable to the Power of ( ), as follows: 1. ComposableX Resilliency: BRI focused on developing IT infrastructure increasingly reliable in supporting business services and operations, achieved through several advanced initiatives, namely the Active-Active Data Center strategy, adopting Cloud Infrastructure, adopting Automation to increase efficiency and productivity, and implementing composable architecture in system development IT. 2. ComposableX Open Banking: BRI focused on developing open banking capabilities and digital ecosystems through BRIAPI as BRI’s open API. 3. ComposableX AI/ML: BRI focused on developing AI/ML on BRI superapps in several support functions including customer engagement, credit underwriting, anti-fraud & risk analysis, smart services and operations. Digital & IT Achievements in 2023 Digital Channel Branch 98.95% vs 1.05% Throughout 2023, BRI succeeded in recording achievements in the field of digital development as evidenced by 98.95% of total transactions carried out through Digital Channels. This is of course far from the 1.05% of transactions carried out through branches and/or tellers. This figure illustrated the shift in platform choices used by customers in their daily transaction activities. In terms of developments in the number of transactions, BRImo succeeded in increasing total transactions and transaction volume by 69.2% and 55.8% compared to the previous year’s period. On the Ceria digital lending platform, the number of customers and sales volume increased by 86% and 113% from the previous year period. Apart from these achievements, the achievements of the BRI Digital & Information Technology Directorate in 2023 were described based on 3 (three) development focus areas as follows: 1. ComposableX Resilliency During 2023, the IT Resilience area recorded availability achievements, namely, BRImo’s availability level was 99.98% with a success rate reaching 99.96%. The BRISPOT system achieved 99.99% availability with a success rate of 99.99%. Meanwhile, for the NDS application, BRI managed to record availability of 99.99% with a success rate of 99.98%. 2. ComposableX Open Banking Development of Open Banking and digital ecosystems through expanding the use of BRIAPI with a total of 123 API products being offered and utilized in more than 23 types of digital ecosystems with a total of more than 1000 collaboration partners 3. ComposableX AI/ML Good data management became one of BRI’s focuses, the use of Artificial Intelligence (AI) through BRIBRAIN contributed to business through recommendations for targeted customer and merchant acquisition. This was shown by acquisitions in the SME and Micro sectors which increased by 328% and 253%. 4. Excellence Enablers In terms of Information Technology Governance, BRI carried out an Information Technology Maturity Assessment (IT Maturity Assessment) and Digital Maturity Assessment. BRI succeeded in reaching the Information Technology Maturity level with a score of 4.66 out of a total score of 5.00 based on COBIT 2019 best practice. Apart from that, BRI also achieved Level 2 achievement (score 80.50 out of a total of 100) in accordance with the assessment guidelines issued by the Financial Services Authority. PT Bank Rakyat Indonesia (Persero) Tbk. 2023 Annual Report 425 Business Support Functions Overview
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