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Digital Banking & Channels
Record and trace every ATM transaction in real time from one centralized system.
ATM transaction data captured instantly
Trace transactions for audit and disputes
Full visibility without complex setup
Under OJK regulations, banks are required to maintain a complete audit trail of their IT operations to support oversight, law enforcement, verification, and dispute resolution and to resolve customer complaints within strict, regulation-defined timeframes. Without a fast, easily searchable ATM transaction record, banks risk missing these deadlines and losing customer trust.
HBM's Centralized Electronic Journal (EJ) records every ATM activity transaction, withdrawal, and deposit in real time on one centralized system. With advanced search and ready-to-use dashboards, operations and customer service teams can trace transaction history quickly to support reconciliation, fraud investigation, and dispute resolution within regulatory deadlines.
ATM transaction data is captured instantly with no delay.
Trace specific transactions for audit and investigation purposes.
Schedule a demo or discuss your institution's Electronic Journal needs with HBM.
Download data as XLSX or CSV
Full transaction visibility without additional configuration.
Download transaction data as XLSX or CSV, individually or in bulk.
Filter data by specific ATM machine or date range.
Export transaction and incident data to third-party systems via API.
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