Digital transformation refers to the integration of digital technologies in various aspects of an organization, leading to improved processes, customer experiences, and overall performance. Loan disbursement is a critical process in banking operations, involving the transfer of funds from a lending institution to a borrower following the approval of a loan application. The case study focuses on the successful implementation of data-driven decision- making at Bank Rakyat Indonesia (BRI). This focus on digital transformation and innovation has enabled BRI to maintain a strong market position and expand its services to a broader customer base. The digital transformation and data-driven decision-making implemented by BRI in loan disbursement have yielded significant benefits, including increased efficiency, improved accuracy, and enhanced customer experience
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