Straventa
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For Digital Banks

Digital Banks

Wire FDS, KYC, AML, and Recon into the same authorization path your authorization service already runs — with an OJK-readable audit trail.

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Persona we built this for
Series-D digital bank · 5M retail customers · 1,200 tx/sec peak

Your authorization service holds the customer at the spinner for the synchronous fraud check. The audit trail has to satisfy an OJK examiner in ten minutes. Your KYC drop-off rate is bleeding new accounts. Straventa sits on the same authorization path as your card and BI Fast switches, makes the decisions explainable, and emits a consolidated audit trail that maps cleanly to OJK SE 21/2023.

Pass rate
+8.2%
approvals lifted while fraud losses held flat in the first 30 days post-cutover
Audit trail consolidation
1 view
OJK examiner's checklist crossed off in 12 minutes flat
Sub-100ms FDS p99
87ms
synchronous fraud decision well inside your authorization budget
Pains we take off your desk

The four things your team is losing sleep over

False-positive rate kills support
When 1.5% of legit traffic is blocked, your call centre drowns. Explainable rules + a backtest harness lets risk lift the pass rate without giving up coverage.
KYC drop-off above 60%
Onboarding through MRZ + liveness + sanctions screening should be one orchestrated flow, not four screens with retries between them.
Audit trail across four systems
FDS, KYC, AML, and reconciliation each emit their own log format. Examiners want one consolidated view.
SLA pressure on every authorization
Sub-200ms is the customer's patience. Sub-100ms is yours. Both have to be honoured even with synchronous fraud + sanctions checks inline.
Modules wired up

What runs in production for digital banks

Typical rollout

From kick-off to production

1
Week 1–2
Stand up sandbox
Sandbox connections to your authorization service; mirror 5% of production for shadow scoring.
2
Week 3–4
Migrate KYC
Cut over new customer KYC to the orchestrator; existing customers stay on legacy until the cutover.
3
Week 5–6
Promote shadow → primary
Promote FDS scoring to the primary decision after side-by-side analysis. AML moves to production async.

Why this works for digital banks

Cards (Visa, Mastercard, GPN) and account-to-account (BI Fast) on the same gateway schema
Per-customer feature store with 14-day rolling velocity, geo, and device signals
OJK SE 21/2023 control map shipped with the SOC 2 control set

“We dropped four legacy compliance vendors into one Straventa stack. The OJK file got smaller, our pass rate went up, and the on-call rotation got quieter.”

VR
VP, Risk Engineering
Top-tier Indonesian digital bank

Ready to deploy this for your digital banks stack?

Join fintechs and banks across Indonesia who trust Straventa for their compliance and risk operations.

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