小额信贷的数字化转型：以印度尼西亚人民银行为例
技术
- 应用基础设施与中间件 - 中间件、SDK 和库
- 平台即服务 (PaaS) - 应用开发平台
适用行业
- 建筑物
- 金融与保险
用例
- 楼宇自动化与控制
- 机器间付款
服务
- 系统集成
关于客户
国有银行印度尼西亚人民银行（BRI）是印度尼西亚最大的国家银行，也是世界上最大的小额信贷机构。 BRI 成立于 1895 年，专注于为印度尼西亚各地的小型企业和个人提供金融服务。该银行拥有 9,000 个实体分行和一个由超过 500,000 个超本地“无网点”代理组成的网络，为超过 1 亿客户提供服务。 BRI 的主要重点是向印度尼西亚一些最小的企业提供小额信贷，包括农民、渔民和新成立的微型企业家。该银行的目标是到 2025 年成为东南亚最具价值的银行集团和普惠金融的冠军。
挑战
印度尼西亚人民银行 (BRI) 是印度尼西亚最大的国家银行和全球最大的小额信贷机构，在实现交易数字化和满足快速变化的客户需求方面面临着多项挑战。该银行的复杂架构包括 200 多个不同的系统和多个中间件平台，这使得集成、操作和监控新应用程序变得困难。这种复杂性也阻碍了银行将新服务快速推向市场的能力。此外，“一带一路”倡议需要降低小额、短期贷款的成本，这是其小额信贷产品的关键组成部分。该银行现有的技术能力和性能有限，无法支持其新的数字银行计划。
解决方案
BRI开启了数字化转型之旅，旨在简化现有技术，转向支持全渠道集成和微服务架构的单一集成平台。该银行与 Software AG 合作，后者的 webMethods 解决方案凭借其性能和速度击败了竞争对手。 webMethods 在短短两周内构建的概念验证中能够 100% 满足 BRI 的要求，并展示了处理比 BRI 预期高得多的交易量的能力。 BRI 于 2019 年实施了 webMethods Integration，计划转向微服务和 DevOps，并为客户添加新服务。新的中间件系统旨在支持年度交易量的大幅增长，从2020年的4500万笔增加到2021年的30亿笔。
运营影响
数量效益
Case Study missing?
Start adding your own!
Register with your work email and create a new case study profile for your business.
相关案例.
Case Study
Energy Saving & Power Monitoring System
Recently a university in Taiwan was experiencing dramatic power usage increases due to its growing number of campus buildings and students. Aiming to analyze their power consumption and increase their power efficiency across 52 buildings, the university wanted to build a power management system utilizing web-based hardware and software. With these goals in mind, they contacted Advantech to help them develop their system and provide them with the means to save energy in the years to come.
Case Study
Intelligent Building Automation System and Energy Saving Solution
One of the most difficult problems facing the world is conserving energy in buildings. However, it is not easy to have a cost-effective solution to reduce energy usage in a building. One solution for saving energy is to implement an intelligent building automation system (BAS) which can be controlled according to its schedule. In Indonesia a large university with a five floor building and 22 classrooms wanted to save the amount of energy being used.
Case Study
Powering Smart Home Automation solutions with IoT for Energy conservation
Many industry leaders that offer Smart Energy Management products & solutions face challenges including:How to build a scalable platform that can automatically scale-up to on-board ‘n’ number of Smart home devicesData security, solution availability, and reliability are the other critical factors to deal withHow to create a robust common IoT platform that handles any kind of smart devicesHow to enable data management capabilities that would help in intelligent decision-making
Case Study
Commercial Building Automation Boosts Energy Efficiency
One of the challenges to building automation is the multitude of non-interoperable communications protocols that have evolved over the years. Buildings have several islands of automation. Bridging the islands of different automation without losing the considerable investment in each specialized control network is the main focus in this solution.
Case Study
Protecting a Stadium from Hazardous Materials Using IoT2cell's Mobility Platform
There was a need for higher security at the AT&T Stadium during the NFL draft. There was a need to ensure that nuclear radiation material was not smuggled inside the stadium. Hazmat materials could often be missed in a standard checkpoint when gaining entry into a stadium.
