SOLUTIONS
RegTech
Align your financial products or services with international requirements, enhances the credibility of your products and services.
IFRS 9 In today’s regulatory landscape, complying with IFRS 9 is not just about meeting accounting standards—it’s about gaining a forward-looking understanding of credit risk that strengthens financial stability and decision-making.
Our IFRS 9 Solution empowers banks and other financial institutions to seamlessly implement the three-stage model for impairment calculation with precision, transparency, and scalability.
This end-to-end solution integrates Expected Credit Loss (ECL) computation, staging classification, Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), and Credit Conversion Factor (CCF) models—all calibrated with AI/ML techniques or regulatory-compliant methodologies. It includes capabilities for historical data management, macro-economic forecasting, and scenario-based modeling.
Our IFRS 9 Solution is built for flexibility, supports both cloud and on-premise deployment, and ensures you stay ahead of regulatory expectations while building stronger credit insights for the future.
Use cases :
- IFRS 9 ECL Calculation for Banks : Automate the staging, lifetime ECL, and reporting for millions of loan accounts. Apply forward-looking macroeconomic scenarios with probability weighting to derive unbiased loss estimates. The solution helps banks enhance provisioning accuracy, streamline audit and reporting, and meet OJK and international audit expectations without compromising operational efficiency.
- IFRS 9 for Financial Instruments for Insurance Companies : Apply IFRS 9 impairment modeling to bonds, structured notes, intercompany loans, and investment-linked instruments held by insurers. Incorporate issuer ratings, counterparty risk, and forward-looking credit spreads. This enables insurers improve investment risk transparency, comply with insurance sector IFRS 9 requirements, and integrate credit risk insights into ALM and capital adequacy planning.
IFRS 17 Our IFRS17 solution empowers insurance companies to streamline compliance with sophisticated data integration, dynamic cash flow modeling, and automated financial disclosures. Our team combines regulatory expertise with technical excellence to deliver a scalable, audit-ready IFRS17 framework that reduces risk and accelerates implementation. Trust IDX to transform complex IFRS17 requirements into a seamless, future-proof solution.
- Use case : Simplify IFRS17 compliance with seamless data integration, dynamic modeling & automated reporting – reducing risk & accelerating implementation.
Regulatory Reporting An enterprise-wide Regulatory Reporting Solution that ensures full compliance with BI, OJK, PPATK, and LPS requirements. It automates reporting workflows with built-in validation, audit trails, and seamless integration across core systems and data sources—reducing compliance risk, improving data accuracy, and keeping your institution aligned with evolving regulations.
Use cases :
- Antasena : Reporting of inter-system financial transaction data for monetary supervision by Bank Indonesia.
- SLIK (Financial Information Service System) : Submission of debtor data, credit exposure, and collectability to OJK, replacing the former SID system.
- SCV (Single Customer View) : Provides a consolidated view of customer portfolios for risk oversight by regulator.
- LLD (Daily Liquidity Report) : Daily liquidity reporting to Bank Indonesia to support financial system stability monitoring.
- GoAML : Reporting of suspicious and cash transactions to PPATK under Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations.r
- OBOX (OJK Online Box) : A centralized portal for periodic regulatory reports submission to OJK (monthly, quarterly, annually).
FINANCIAL CRIME
AML
A smart AML solution that enables financial institutions to detect, monitor, and report suspicious activities with speed and accuracy. It offers end-to-end capabilities—from transaction monitoring and watchlist screening to risk scoring, automated alerts, and regulatory reporting.
Powered by AI/ML and network analysis, it uncovers hidden risks while supporting real-time and batch processing, secure API integration, and full audit trails to ensure compliance and reduce false positives.
Use cases :
- Real-Time Transaction Monitoring : Detect suspicious or unusual transactions as they occur to prevent money laundering in-flight.
- Sanctions & Watchlist Screening : Screen customers and counterparties against global blacklists (OFAC, UN, EU, PEP) and other 3rd party to prevent illicit access.
- Customer Risk Scoring : Continuously assess and update customer risk profiles based on behavior, geography, and transaction patterns.
- Suspicious Activity Detection & Alerting : Automatically flag potential money laundering activities using rule-based and AI-driven models.
- Regulatory Reporting (STR/SAR) : Generate and manage reports for compliance authorities with full auditability and traceability.
- Behavioral & Network Analytics : Identify hidden patterns, collusion, or complex layering schemes through AI and graph analysis.
- Case Management & Investigation : Centralize alerts, investigations, and decisions in a workflow-enabled platform with complete audit trails.
KYC
A smart KYC/CDD solution that streamlines customer onboarding and ensures regulatory compliance through automated identity verification, risk profiling, and due diligence. Supporting e-KYC, watchlist screening, and dynamic risk scoring, it adapts to all risk levels—from simplified to enhanced. Built for real-time and batch processing, with full audit trails and API integration, it delivers a secure, scalable, and customer-centric compliance experience.
Use cases :
- Customer Onboarding : Automate identity verification and document checks to enable fast, compliant onboarding.
- Risk-Based Customer Profiling : Classify customers into low, medium, or high risk to apply appropriate levels of due diligence (CDD/EDD).
- Watchlist & Sanctions Screening : Screen new and existing customers against global blacklists (OFAC, UN, PEP, etc.) to prevent onboarding risky entities.
- Ongoing Customer Due Diligence : Continuously monitor customer behavior and update risk scores based on transactions, geography, or changes in profile.
- Dynamic Risk Scoring : Use AI/ML to adjust customer risk levels in real time as new data or behavior emerges.
Fraud Detection System
An intelligent Fraud Detection System designed to protect against financial losses across digital and physical channels. It monitors transactions, accounts, devices, and user behavior in real time, detecting threats like account takeover, identity theft, and card or application fraud. Powered by AI/ML, rules, and network analysis, it delivers accurate, proactive alerts. With real-time and batch processing, investigation tools, and full audit trails, it integrates seamlessly across banking, lending, insurance, and payments for scalable, end-to-end fraud protection.
Use cases :
- Account Takeover Detection : Identify unauthorized access by monitoring login behavior, device changes, and abnormal activity patterns.
- Card & Payment Fraud Prevention : Detect anomalies in credit/debit card usage, transaction velocity, and merchant behavior in real time.
- Application Fraud Screening : Verify identity and detect falsified information during account opening, loan, or credit applications.
- Social Engineering & Scam Detection : Spot manipulation-based fraud (e.g., impersonation, phishing scams) through behavioral and transactional anomalies.
- Transaction Anomaly Detection : Flag high-risk or unusual transactions based on user history, context, and geolocation inconsistencies.
- Network & Synthetic Identity Detection : Uncover linked fraud rings and synthetic identities through network link analysis and identity clustering.
- Real-Time Alerts & Investigation : Generate actionable alerts with scoring, explanations, and tools for case investigation and resolution.
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