Information Technology Work Plan 2024 Credit Underwriting 2 Extending bank’s outreach through partnerships with major ecosystems (both for retail and wholesale) (i.e. API for wholesale, deeper integration with BVI investee) Explore new business model and revenue stream (e.g. Wealth Investment, Bankingas-a-Service, White- label Mobile Banking, Integrated SME Solutions with Majoo) Human Centered UX, focus on daily needs through the lifecycle of customers (e.g. Deeplink, NLP Smart Search, Voice Interaction, BRImo ID) Platforms/Apps/ Infrastructure must be highly available & consistently reliable (i.e. capacity planning, MTTR at 1-2 Hour/Available at 99.99%, measured as total - achieved per year) Focus on reducing technical debt and accelerate components decoupling (i.e. in alignment with strategic focus) Actively introducing new capabilities to provide end-to-end IT operational monitoring and capacity building (i.e. Cloud Adoption, ITSM Implementation) Strengthening Al outcome effectiveness for select use cases (i.e. Churn, Cross- Sell, Upsell, Scoring) Continuously adding useful data sources to DataHub and improve data literacy of stakeholders (i.e. SSA adoption, BRIOne program) Personalized interaction with customers (i.e. Product Bundling, Robo-Advisor for Wealth Planning) Account Opening Merchants Other bank APIs Cross-industry partnership Credit Scorign Analytics Leading / credit platform Fintech Collaaborations Payment network Customer Engagement 1 Anti Fraud & Risk Analytics 3 Smart Services & Operations 4 Available & Reliable Scalable (with Cloud) Components Decoupling The role of Information Technology in supporting smooth business operations is increasingly strengthening, both in the form of increasing capabilities and supporting services for other business unit to support sustainable business growth. Along with the still relevance of 3 (three) development areas in 2023, namely Composable to the Power of X ( ), BRI’s Digital & Information Technology Directorate has made adjustments and strengthening in these areas as explained below: 1. , namely maintaining and aligning capabilities and capacities through strengthening Enterprise Architecture, process efficiency, application integration, increasing cyber security, as well as implementing activeactive DC, High Availability and cloud adoption strategies to increase agility, flexible resiliency and sustainability.; PT Bank Rakyat Indonesia (Persero) Tbk. 2023 Annual Report 436
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