AI-powered FinTech & RegTech solution
Embark on a new era of AI-powered lending and compliance solution to obtain better business outcomes.
Rule Management
Secure, scalable control for complex banking rules and evolving risk policies.
Decision Flow
Real-time, data-driven decisioning that elevates performance across the fintech ecosystem.
Know Your Customer (KYC)
Fast, compliant, and frictionless KYC verification for confident customer onboarding.
Anti-Money Laundering (AML)
Continuous, intelligent AML monitoring that strengthens detection and safeguards operations.
Smarter lending. Stronger compliance. Powered by AI.
Since its launch in 2007, our ISO 27001-certified iDecision has empowered financial institutions with an AI-driven platform that brings intelligence and agility to every aspect of lending and compliance.
Digital Lending Platform (DLP)
Built to address the evolving challenges of modern lending, integrating Loan Origination System (LOS), Decision Engine (DE), Loan Management System (LMS), and Collection System within a single, modular platform.
Customer Onboarding
Customers have full control over their loan applications and management, receiving more relevant and eligible products conveniently on their devices.
Loan Origination
Easily design your underwriting process or use ready-made templates. Review financial documents, create credit approval forms, set automatic decisions, define approval steps, and access data from other sources.
Loan Management
Comprehensive loan system for calculating interest, fees, and managing repayments, rollovers, restructures, and more—fully customizable via a user-friendly interface for all loan types.
Collection Management
Intelligent delinquent account prioritization and queuing with flexible, dynamic collection strategies—powered by our AI engine to determine the best time to call, who to contact first, and which channel to use.
Supply Chain
Manage terms, risk, limits, and covenants for all suppliers and buyers linked to the principal. Enable seamless financing with automated decisions and loan management.
Channeling
Simplify distribution of lending products through multiple financial partners. Automate disbursements and repayments from financial partners. Define risk sharing mechanism with each partner: Buy back, Insurance, or Guarantee.
Joint Financing
Enhance co-lending partnerships with a unified system for fund allocation, repayment tracking, and revenue sharing. Maintain transparency, compliance, and control across every financing collaboration.
Financial Crime Management (FCM)
Enhances operational integrity through advanced Fraud Detection and Prevention, Anti-Money Laundering (AML), and Know Your Customer (KYC) solutions.
KYC & CDD
Prevent white-collar financial crime by continuously screening customers against global and local sanction lists for terrorists, traffickers, and banned entities.
Anti Money Laundering
Monitors transactions in real-time to block suspected money laundering, using AI and data profiling for accurate detection and low false positives. Includes case management with link analysis for investigations.
Application Fraud
Detects third-party and syndicated fraud in loan applications using POLE-driven checks, blocking loans before disbursement. Includes case management with link analysis for investigations.
Transaction Fraud
Monitors transactions in real-time to stop suspected fraud, using AI and data profiling for accurate detection with low false positives. Includes case management and link analysis for investigations.
Regulatory Reporting
Automatically comply with standard regulatory reporting requirements—such as CDD, LTKT, LTKM, and more—to regulatory authorities.
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One platform that does it all
Unified Platform
A single intelligent ecosystem that brings together decision, lending, and compliance management — across products, channels, and the entire customer lifecycle. Streamline operations, reduce complexity, and drive consistency in every decision that matters.
Integrated Design Studio
Take full control of your business logic with our Integrated Design Studio. A user-friendly, low-code environment empowers teams to easily design workflows, rules, scorecards, models, and fraud scenarios. Faster configuration. Quicker innovation.
Data Access Integration
Seamless access to diverse data sources for more accurate and contextual decisioning. Supports internal data integration (such as, core banking, ESB, DWH, loan systems, and bank channels) as well as External & third-party data integration (such as, credit bureaus, eKYC providers, Sanction data providers, Dukcapil, BPJS, payment gateways, and alternative data). Supports real-time APIs and batch processing to meet different needs and readiness.
Future-Proof Technology
Built on a next-generation architecture that’s scalable, resilient, and deployment-flexible.- Microservices-based and containerized (Docker, Kubernetes) On-premise or cloud deployment options
- High availability, high scalability, and DC–DR readiness for continuous operations.
- Your infrastructure, ready for tomorrow — today.
Monitoring & Reporting
Stay in control with built-in monitoring and analytics tools. Visualize performance with predefined dashboards, fraud monitoring views, and workflow analytics. Seamlessly integrates with BI reporting systems, ensuring transparency, compliance, and insight-driven decisions.
Modular & Scalable
Start small, scale fast. Whether you begin with the Decision Engine, Loan Origination, Transaction Fraud, or other module, iDecision grows alongside your business — ensuring continuous innovation with minimal learning curve.
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