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Straventa
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For Multi-finance

Multi-finance

One consistent KYC flow across 800 branches, an AML engine that understands cash-intensive loan officers, and EOD recon that closes before lunch.

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Persona we built this for
Established multi-finance (financing company) · 800 branches · 20k loan officers

Branch-level KYC inconsistency is the regulator's first finding every audit. Cash-intensive collection patterns trip the wrong typologies in vendor AML tools that were tuned for digital fintechs. End-of-day reconciliation between branch ledgers, treasury, and acquirer files takes three hours. Straventa standardizes the orchestrator at headquarters, runs an AML engine tuned for Indonesian cash patterns, and reduces EOD recon to single-digit minutes.

How this is built to behave

EOD recon
Automated
matching runs on ingest instead of at month-end; your team works the exception queue, not the spreadsheet
KYC consistency
One path
every branch and every loan officer hits the same orchestrator, so the checks cannot drift between offices
Cash-intensive AML
Configurable
monitoring rules tuned for Indonesian collection patterns, with your own rules on top and a compliance-case queue underneath

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

Branch-level KYC inconsistency
Twenty thousand loan officers means twenty thousand interpretations of 'enhanced due diligence' unless the orchestrator forces the path.
Cash-intensive AML patterns
Imported AML tools trip on legitimate Indonesian cash collection. We tune for the local typology mix.
Three-hour EOD recon
Branch ledger plus treasury plus acquirer reconciliation done by hand — finance can't close the day before lunch.
Disbursement on multi-bank rails
Across BCA, Mandiri, BRI, BNI plus regional banks. Each rail's quirks live in your finance team's head.
Modules wired up

What runs in production for multi-finance

Typical rollout

From kick-off to production

1
Week 1–2
Pilot in 50 branches
Standard KYC orchestrator at the pilot branches; existing process at others.
2
Week 3–6
Roll to all 800 branches
Phased rollout with branch-manager training and bilingual UI.
3
Week 7–8
EOD recon cutover
Treasury and branch ledgers feed the recon engine; finance closes the day from one screen.

Why this works for multi-finance

On-premise deployment available for treasury and ledger components
Bilingual operator UI (Bahasa Indonesia + English) — branch managers train in a day
Ingests CSV, XLSX, XLS, fixed-width, and zipped statement files, with per-source column mapping configured once per merchant

Ready to deploy this for your multi-finance stack?

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

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