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Bank BRI, Confluent를 사용하여 금융 포용성 증대

"Confluent Platform and Apache Kafka, by enabling us to build and deploy real-time event-driven systems for credit scoring, have helped BRI become the most profitable bank in Indonesia."

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Kaspar Situmorang | EVP(Executive Vice President)
Bank Rakyat Indonesia


인도네시아의 가장 큰 은행에서 디지털 혁신을 추진하여 은행의 시장 지위를 개선하고 국가 전체에서 금융 포용성을 높입니다.


Confluent Platform 및 Apache Kafka를 사용하여 실시간 신용 평가, 사기 탐지 및 판매자 평가 서비스를 위한 빅데이터 분석을 지원하는 이벤트 기반 마이크로서비스 아키텍처를 배포합니다.


  • 실시간으로 사기 탐지 수행
  • 대출금 지급 시간을 2주에서 2분으로 단축
  • ISO 인증 개방형 API 생성
  • 대출 채무 불이행의 사전 예측으로 NPL 0% 달성

With 75 million customers and a market cap of more than $38B, Bank Rakyat Indonesia (BRI) is the largest bank in Indonesia and the largest microfinance institution in the world. BRI is in the midst of a digital transformation that is simultaneously strengthening the bank’s position among Southeast Asia’s most successful financial institutions and enabling it to increase financial inclusion across Indonesia, which has one of the highest unbanked populations in the world.

The transformation at BRI is enabled by an event-driven architecture based on Confluent Platform and Apache Kafka that is powering real-time analytics for credit scoring, fraud detection, and merchant assessment services. Among the innovations being driven by event streaming are a system that detects anomalous customer transactions in real time, an ISO 27001 certified open API that connects BRI with a digital ecosystem of partners, an early warning system that identifies customers who are at risk of payment default, and a microlending app that is helping BRI reach untapped new market segments.


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