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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.

How this is built to behave

Fraud decision
Synchronous
scoring runs inside the authorization call, so a decline is a decision and not a timeout
Audit trail
1 view
authorization, fraud decision, settlement, and recon all hang off the same record — one export, not four systems
Fraud decision
Synchronous
scoring runs inside the authorization call, so a decline is a decision and not a timeout

These are product properties and design targets, not measured customer results. Where a figure is a target it says so. We will run the numbers against your own traffic before you commit to anything.

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
The customer's patience is the ceiling and your own budget is tighter still. Both have to be honoured with a synchronous fraud check 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, JCB) and account-to-account on the same gateway schema
Per-customer feature store with 14-day rolling velocity, geo, and device signals
Audit trail designed against OJK SE 21/2023 control expectations — no independent attestation held today, and we say so

“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?

Bring your rails, controls, and deployment constraints. We will show where the platform fits and where it does not.

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