Transformasi Digital &

Inovasi Teknologi dalam

Layanan BCA
Fransiscus Kaurrany
Executive Vice President IT

July 21st 2022

 BCA Highlight

Asset Net Profit

1,221T
Data Feb 2022 YoY
8,1T
Data Q1 2022 YoY
Source : www.bca.co.id ↑14,7% Source : https://money.kompas.com ↑14.6%

TOTAL ACCOUNT MOBILE BANK USER INTERNET BANKING USER

30+
MILLIONS
20+
MILLIONS
9+
MILLIONS

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 SENANTIASA DI SISI ANDA

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 Team
Engagement

Our IT Family
1.478 IT MEMBERS

1 Equip Leaders & Team to

Increase Communication 2 Get creative in
Team Engagement 3 Feedback &
Awareness

*Data per 15 Mei 2022

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 Overview IT Workspace
Wisma Asia 2 Wisma BCA Foresta

Menara BCA

BCA
Gading
Serporng

Landmark
Pluit Jogja Development Lab
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 Pandemic drives
Hybrid-Working
(WFH – WFO)

Collaboration & Security Team

Communication (VPN, EMM, Encryption, DLP, Engagement
Platform Data Classification, Awareness)

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 Why Change?
Customer

Competition

Regulation

Technology

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 Why
Transformation
Fail?

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 Why Transformation Fail?

70% 30% 83%

Failed in Digital Only less than 30%
Transformation due to succeed in Digital
lack of right mindset. Transformation, 2 primary
ways by 1reinforcing new
Harvard Business Review, behavior and way of
Article 2019
working; 2empowering
employees.
Failed on Digital
Transformation because
company doesn’t focus
enough on Culture.
Boston Consulting Group,
Press Release 2018

McKinsey, Survey 2018

Having Best in Class Technology

Doesn’t Guarantee Successful Transformation

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 Digital
Transformation Culture
Key Elements

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 “we believe from 3 elements of
transformation, the most important one is
People.

Because the right People will define the right

Process and Choose the right Technology”

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 Values Form
Corporate
Culture

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 CUSTOMER FOCUS
INTEGRITY
TEAMWORK
CONTINUOUS PURSUIT
OF EXCELLENCE
FRIENDLY
OUTSTANDING
X-TRA MILES
COMMITMENT

COMMUNICATION
OPENNESS
Growing RESCPECT
COURAGE

Values
SIMPLICITY
FEEDBACK
FUN

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 More visible
– Less powerful

Technology

Tools & Process

Practices

Principles

People, Process, Values

Process

Technology
Mindset

People

Less visible
– More powerful

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 Fail Fast
Growth Fail Cheap
Mindset Learn Fast

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 BLAMELESS POST-MORTEMS

“ The Only Real Mistake is

The One from Which
We Learn Nothing.
– Henry Ford – ”
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 At the organization level, agility is the ability for
a company to renew itself, adapt, and succeed in
a rapidly changing, ambiguous environment.

– Mercer –

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 Agile – Adapt to Change
BUSINESS

Shift Left

Shift Right

IT
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 Leadership
is setting the vision and direction, while
motivating and fully utilizing all resources at
your disposal to make that vision a reality.

Leadership Agility
is the ability to effectively lead organizational change, build teams,
and navigate challenging business conversations. It’s proactive, goal-
oriented flexibility with a purpose.

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 Shared Vision Servant
and Passion Leadership
Not Taylorism Create Environment,
Why Agile Create Culture

Skills,
Market and
Tools and
Customer Value
Techniques
New New
Way of
Agile Way of
Thinking Leadership Working
Understand
Agile
where we are
Governance
VUCA / Cynefin

Continuous Consensus
Control Direction,
Transformation Inspire People,
via Improvement Provide Autonomy
Learning as an Attitude, Organizational Barbell
Learn from Failures for Stability and Innovation
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 Build People
Build The Leader,
Build The Team

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 Our IT Team
MAY
2017 2018 2019 2020 2022

608 689 844 1,086 1,478

peoples peoples peoples peoples peoples

BA+Tester
700 peoples
21 16 8 1 0
71 70 67 65 51
516 602 765 970 1,108
0 1 4 50 319

Baby Boomer (1946-1965) Gen X (1966-1976) Gen Y (1977-1998) Gen Z (1999-now)

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 > 90%
In House
Development

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 BCA
Agile Journey 2019
BCA Lab
Started with Kaizen mindset, BCA Introducing Lean Management,
never stop improving to be better. User-Centered Design and Extreme Programming
#lebihbaik Practice in agile development.
2017
Mini Company
Implementing Scrum in bank wide.

2014
Scrum
An agile framework for developing,
delivering and sustaining complex product.

2013 4D
X
4DX (4 Disciplines of eXecution)
A methodology ensuring that the most important
work gets done.

< 2013
Waterfall
Traditional approach for software
development life cycle (SDLC).

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 NOW
Our Uniqueness Agile Mindset
is part of our
organization culture
“Mini Company”

2016 2018
Core Banking

1
Sharing Workload & Scale Moving to JIRA
Team is the Start using Ms. Excel “Regulation, Integration
2015 Scrum in Scrum & Tracking”

st
2 Weeks
Best Fit

2017
Scrum in Scrum
At Scale
Nov 2014
Start
Adopt Scrum Handwriting Key Takeaway :
▪ Improve Communication
▪ Improve Collaboration
▪ Measure Team Pace
▪ Adapt to Change
▪ Prioritize
▪ and many more…

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 Silo MiCo
MiCo B

MiCo G MiCo C

MiCo A

MiCo F MiCo D

MiCo E

Functional Silo Cross Functional Collaboration

Mini company
SMALL enough to manage,
QUICK enough to adapt,
SHORT enough to decide.
Mini company is self organizing team that responsible for:
1. Deliver end to end value/solution
2. Achieve business-operational target - KPI
(including distributing authority to the team)

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 Before Mini Company (NOW)
Project Managed by Product

Multi years Evaluation Yearly

Waterfall Process Agile scrum framework

Project has been implemented Project team ended Product has been terminated

One-two times Delivery Iterative

Project implementation Focused on Product value

Silos/Individual KPI Key Performance Shared KPI with team member

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 TOTAL MEMBER

3,718
TOTAL MEMBER
1,508
2022
1,318
Mini TOTAL MEMBER
MICO 56
2021 SCRUM TEAM 184
1,155 MICO 51

Company
13
2020 SCRUM TEAM 181
TOTAL MEMBER MICO 47
DONE FEATURES
36 *JUN 2022

Portfolio 969 SCRUM TEAM 149 26%

MICO
2019
42
NEW SCRUM
TEAM
17
Business : 48
33%
169 features
Operasional : 75
SCRUM TEAM 144 Support : 61 41% released / week

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it is not to be relied on by any 3rd party without BCA's prior written consent.
This information is confidential and was prepared by BCA solely for presentation;
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 3 Key Things

1
Secure
2
Anytime/
3
Better
Anywhere UI/UX
Self-Service

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 Data Processing Transformation

Near
Realtime

Bulk / Batch Real Time Straight Thru &

Data Processing Data Processing Near Real Time
Data Processing

1996 2022

5 Millions
Customers 30 Millions
Customers

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 RPA Efficiency Key Benefits
55%
Widely used across BCA division to • Employee reassignment
support operational, automate • Improve on SLA
manual works. • No human errors

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 Data is
The New Oil

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 Artificial Intelligence
& Machine Learning
Provides systems the ability to automatically learn and
improve from experience without being explicitly
programmed. The purpose is to have accuracy in
predictions.

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This information is confidential and was prepared by BCA solely for presentation;
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 Robot RODEST
Robotic System for Automatic EDC Testing

WINNER

Eye on Innovation Award 2021

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 DIGITAL BRANCH ECOSYSTEM SOLUSI BISNIS UNGGULAN

DIAN MONICA
New ecosystem at branch Dashboard Monitoring Mobile Monitoring for
Shifting roles of the branch - seamlessly integrates for Operations & Customer Experience
Productivity
branches into the banks’ overall digital
transformation strategy Relationship Platform
Next Best Action – Machine Learning

eService Assisted
Opening account, Service
Print passbook STAR Teller + Berta
Financial transaction
BERTA - BDS for Excellent Relationship
and Transaction

Assisted
eBranch
Branch reservation
Self Service
CS Digital
Change ATM card
Self Service
SARI
Queuing system
ATM STAR
SARI – Sistem Antrian dan Reservasi Cash Recycling Machine (CRM) for
deposit and withdrawal
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 218
Citizen Applications

Development
46
Divisions
A Shift from Shadow IT

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 Digital
Approval/Sign Anytime/ More Faster
Anywhere Approval

Paperless More
Secure

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 “Believe you can, and
you’re halfway there”
Theodore Roosevelt

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TERIMA KASIH