BRI e-Commerce

Proposal

Maret 2016
BRI Transformation In banking

ECONOMIC CONTEXT New Strategies & Operating Models

The quest for profitable
growth
GLOBAL MEGATRENDS

A new era of
Global competition
Marketplace

Defining the new core

Demographic of a bank
Shifts

Technology reshaping
banking
Changing
Workforce

Customer
Transaction Habit Digital Business
THE FIRST AND ONLY BANK IN THE WORLD THAT
OWNS AND OPERATES A SATELLITE
Product
 Product

e-Pay BRI is BRI Payment Solution for online shopping (e-commerce)

which is simple and secure, powered by BRI internet banking. Epay
can be used in merchant’s website and payment engine.

E-pay BRI Privileges

Simple, One Stop Payment Solution that can be accessed by

Internet Banking User (E-pay), Tbank User (Epay) without using a
hard token.

Secure, Using a paycode (dynamic), user-id & password (static).

Email and sms Notification after the transaction.
Product

Who can use ?

BRI Customers (BritAma, BritAma Junio atau Simpedes) who had BRI
Card and actively registered in financial internet banking BRI

55 Million
BRI
Customers
ePay Transaction Flow
 ePay Transaction Flow

Customer shopping at Merchant’s site and

2 Forward data transaction choose payment through BRI e-Pay
1
Merchant
6 Successful notification Delivery 7
product/services

Retrieving data
from Payment Customer pay at
4
Gateway BRI e-Pay 3
Payment
Gateway Successful notification Successful notification
5 5

Note:
1.Input UserID and customer’s password to the website
2.Merchants have to put terms and conditions on the website
 Credit Card Online Acquiring

• Acquiring E-Commerce Credit Card

BRI Help Merchant Online Payment
System to accept Credit Card
Transaction

• Security System Guarantee with

3Dsecure Implementation

• H+1 Settlement

• Using Mastercard Internet Gateway

Services (MIGS) Engine
Transaction Flow Credit Card Online Acquiring Bank
Pricing

Fixed Rate
(Rp. 5.000)

Online Acquiring Bank

Solution
MDR On Us : 2.5 %
MDR Off Us : 2.5 %

0% Installment
3 Months : 3 %
6 Months : 6%
12 Months : 8%
hank ou