As we know, BRI's branch is everywhere, particularly in rural areas. It’s serve areas where no other Bank exist.
BRISat business case is to connect BRI branch replacing current infrastructure which it seems very high cost. Unfortunately the detail this not available to me.
What confuses me is why BRI pivoting this extreme from banking to satellite operator.
The reason because, I’m pretty sure that wherever BRI want to open branch, Telkom infrastructure should will also already there (at least to support Telkomsel). Is Telkom network rent cost is very high so even BRI must launch its own satellite? Is the complaint from Indosat regarding Telkom un-fair treatment also valid for non Telkomsel competitor?
Exposing rural people to banking is good for them; the very minimum impact is to eliminate those usurers and possibility for rural people to expand their business via ‘healthy credit’. The gov (and maybe Telkom) should support this initiative.
From the CAPEX point of view, launching satellite is not scalable at all. You need to spend full CAPEX in-front. When the capacity is max, you need to launch another satellite. BRI will also run full-blown operation to support this BRISat. A rare case in this era of “as a services”.
And last thing, if Telkom infrastructure is limited or may not be available at all in place where BRI want to open branch, why not try Project Loon https://en.wikipedia.org/wiki/Project_Loon
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