Case Study: Bank Rakyat Indonesia (BRI) achieves real-time microfinance and fraud detection with Confluent Platform

Bank BRI Increases Financial Inclusion using Confluent

Bank Rakyat Indonesia (BRI), the world’s largest microfinance institution with about 75 million customers, set out to accelerate a digital transformation to extend financial inclusion across Indonesia. Faced with slow, synchronous processes that delayed fraud detection, credit scoring and loan disbursement, BRI adopted an event-driven approach using Confluent Platform and Apache Kafka to move from batch/warehouse-dependent workflows to real-time, asynchronous microservices.

Confluent worked with BRI to implement an event-driven architecture (KSQL, Kafka Streams, Confluent Replicator) that powers real-time credit scoring, fraud detection, an ISO 27001–certified open API and the Pinang microlending app. As a result, fraud is detected and blocked in real time, loan disbursements dropped from two weeks to two minutes, agent banking sales tripled, defaults are predicted proactively with NPLs near 0%, and integrations that once took months now move to production in under an hour — all enabled by Confluent.

Bank BRI

Kaspar Situmorang

Executive Vice President