Bank Rakyat Indonesia (BRI), the largest microfinance institution globally, is leveraging Confluent Platform and Apache Kafka to drive its digital transformation and boost financial inclusion across Indonesia. This event-driven architecture powers real-time credit scoring, fraud detection, and merchant services. Key improvements include cutting loan disbursement times from two weeks to two minutes, enabling real-time fraud detection, and creating an ISO-certified open API for fintech partnerships. These innovations have helped reduce loan defaults and expand financial services to the unbanked population, aiming to reach 80% inclusion.

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