PT Bank Negara Indonesia
Introduction
In the digital mindset, being collaborative is a key point to win in digital competition. By providing BNI Digital API Services, it enables BNI to collaborate with prospective partners. BNI Digital Services Portal was developed as a tool that can be used by prospective partners of BNI to get information about the digital payment solutions owned by BNI. We provide one stop banking.
Why nominated?
Best International and Localized DevPortal
Based on our visitor statistics, 85.7% of our portal visitors are from Indonesia, 2.5% are from the US, and the rest are evenly distributed from various countries. Thus we focus on enhancing our portal to give wonderful engagement to our local visitors by providing not only Bahasa (Indonesian Language) page but also a chatbot, tutorial videos, and explainer videos in Bahasa. As for 14.3% of our international visitors, we provide Google translate widget which supports 133 languages and can be easily enabled in any browser, not only Chrome. It might not be professionally translated, but we believe it'll get better since it's GOOGLE, and we also believe it could help our international visitors - who are so diverse - explore our API. Aside from that, we also have 7 International branches to help prospective clients get legal or business advice regarding our API Products, especially API Remittance, which are already consumed by many of our international clients.
Best Business Model
BNI focuses on digital banking business by collaborating with several partners who are interested in providing financial services. BNI’s API provides several financial API services which are focused on three big business models which are Corporate, Retail, and International Banking Business.
In Corporate business banking, BNI has One Gateway Payment where it enables our partner to become a payment gateway or making disbursement. BNI also has P2P Lending which provides our partner to run Peer-to-Peer lending business model. By connecting with this API, it enables our partners to comply with our regulators policies.
BNI’s API provides our partners who focus on retail banking business or it is commonly named B2B2C business. For instance, the Sharing Billers API enables our partners to run retail business such as Bill Payment services. Hence, Sharing Billers is adding both payment and purchase capabilities toward partnership applications in order to increase revenue stream and engagement. BNI also has Digiloan Consumptive Disbursement where it is a solution for a company to integrate its application / system with banking transaction services.
Lastly, BNI has Remittance - API Management where it is a one of channels that enable you to access directly into BNI Server through Application Programming Interface (API) based solutions. This channel offers cross-border payment (Incoming Remittance) services to all correspondents around the world.
In the BNI API portal, it helps the developers to simulate API pricing easily by using a pricing simulator. Hence, it helps the customers to calculate their profitability in terms of using BNI API services.
Best Onboarding
The registration process BNI API Services offer is easy and painless. A content page is dedicated to getting started documentation to provide users with an introduction to how to use the portal and its documentation, and where to find resources. Our portal provides easy-to-navigate documentation to enable the developers to understand how to use the services. BNI portal also provides a sandbox environment to learn the API services and adjust according to their business process. Following the “Getting Started Page”, enables the developers to figure out several Tutorial videos in order to help them to justify their necessaries. As the developers deal with some technical problems, they can also submit a ticket to our Ticketing system.
