How Bank BRI Uses AI-Driven Credit Scoring to Expand Microloans to Rural Borrowers and Reduce Defaults

By: GoBeyond Team
July 3, 2025
3 min read
Bank BRI AI credit scoring platform interface showing risk assessment and loan approval metrics

Quick Overview

Bank BRI implemented AI-driven credit scoring models leveraging agricultural and alternative data to assess credit risk for rural borrowers without formal credit histories. The system integrates crop yield patterns, market prices, and environmental data to provide accurate risk assessments, enabling faster loan approvals and better fraud detection.

Bank BRI (Bank Rakyat Indonesia)
Bank BRI (Bank Rakyat Indonesia)
Company Size
~60,000 employees
Revenue Range
$10B+ annual revenue
Primary Challenge
Extending financial inclusion by providing microloans to rural populations lacking formal credit histories
Key Metrics
\- Reduced loan processing time from 2 weeks to under 2 days\- 40% reduction in fraud rates\- Millions of rural borrowers served\- 62% increase in loan volume via digital apps\- 45% weekly loan disbursement growth on digital platforms

The Problem

Traditional credit scoring excluded rural borrowers due to lack of formal financial data, limiting financial inclusion and causing slow loan processing.

The Solution

Developed localized AI credit scoring models incorporating agricultural data (crop yields, market prices), environmental risks, and alternative data sources via mobile lending apps (Pinang, Ceria).

Results

\- Expanded microloan access to millions of rural borrowers\- Maintained low default rates\- Drastically reduced loan approval times\- Enhanced fraud detection and risk management\- Increased digital loan application volumes and disbursements

“Our AI-driven credit scoring model has revolutionized lending to rural communities, enabling financial inclusion at scale.”

Details

Industry
Finance & Banking
Departments
Finance & Accounting
Data & Analytics
Use Cases
Data Analysis
Tags
Machine Learning
Improved Accuracy
Time-Saving
Enhanced Decision-Making
AI Tools Used
No items found.
Sources
https://cdn.twimbit.com/uploads/2025/01/10140233/Reimagining-Credit-with-AI-1.pdfhttps://www.linkedin.com/pulse/ai-financial-inclusion-banking-unbanked-digital-age-patro-4fklchttps://asianbankingandfinance.net/retail-banking/exclusive/bri-employs-ai-brain-merge-its-digital-and-physical-presencehttps://www.ir-bri.com/newsroom/20250212_BBRI_Laporan_Informasi_dan_Fakta_Material_31861976_lamp3.pdfhttps://www.prweb.com/releases/bribrain-uses-ai-to-speed-up-loan-approvals-helps-more-msmes-survive-pandemic-875877231.html

More Case Studies

See All
How a Multinational E-commerce Platform Doubled Developer Productivity with GitHub Copilot
Retail & E-commerce
How Buzz Radar Built a Cognitive Command Center Using IBM Watson for Real-Time Marketing Insights
Technology & SaaS
How Compass Integrates AI to Streamline Real Estate Transactions and Improve Client Experience
Real Estate
How FinSecure Bank Reduced Fraudulent Activities by 60% with AI-Driven Fraud Detection
Finance & Banking
How Etsy Uses AI Chatbots to Streamline Customer Service and Support Its Seller Community
Retail & E-commerce
How MSCI Uses Machine Learning and Google Cloud AI to Enrich Asset Data and Manage Climate Risks
Finance & Banking

🤖 Chat with AI

Type...