All solutions
For Lending Fintechs
Lending Fintechs
Run the same risk signal across underwriting, disbursement, and collection — and keep a clean OJK file while you scale loan volume 5×.
Persona we built this for
Series-B digital lender · 300k loans/month · short-tenor consumer credit
Your underwriting model already has a feature store. The disbursement pipe has its own. The collection ops team manually flags suspicious repayments. Straventa lets the same KYC verdict, the same fraud features, and the same AML typology engine run across all three legs — so a customer that scored well at underwriting is the same customer all the way through to the last installment.
Fraud losses
−9%
first-quarter delta after disbursement-side scoring went live
OJK file prep
1 day
down from a week — evidence is consolidated, not collected
Recon variance
Rp 0
auto-matched 99.94% of disbursements last 30 days
Pains we take off your desk
The four things your team is losing sleep over
Risk signal stops at approval
The model that scored the application doesn't see the disbursement or the repayment. Fraud actors learned that gap before you did.
AML on disbursements is manual
Disbursing IDR 50M to a fresh account at 02:00 should at minimum get a typology check. Today, it doesn't.
Recon between disbursement bank + ledger
Multi-bank disbursement plus internal ledger plus collection rails is a daily Excel pain.
OJK file readiness
Quarterly OJK reporting is a fire drill. Pulling consolidated KYC, FDS, AML, and recon evidence costs your compliance team a week.
Modules wired up
What runs in production for lending fintechs
Typical rollout
From kick-off to production
1
Week 1
KYC cutover for new applicants
Plug the orchestrator in front of existing onboarding API.
2
Week 2–3
FDS + AML on disbursement
Wrap the disbursement service; shadow first, then primary.
3
Week 4
Reconciliation goes live
Bank, ledger, and collection rails reconciling daily — variance dashboard live.
Why this works for lending fintechs
Single feature store shared by underwriting, disbursement, and collection scoring
Disbursement-time AML check feeds STR-ready cases to your compliance queue
Multi-bank disbursement (BCA, Mandiri, BRI, BNI) reconciled into one ledger view
Ready to deploy this for your lending fintechs stack?
Join fintechs and banks across Indonesia who trust Straventa for their compliance and risk operations.