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Infrastructure & Enterprise Systems
Manage internal financial transactions, payments, journals, and escrow on one platform with real-time integration to core banking.
Instant sync to core banking & external systems
Layered controls for every transaction
Isolated domains, easy to audit
As Indonesia's banking payment ecosystem grows more complex, regulators continue tightening requirements around internal control, auditability, and system reliability under POJK No. 12/2024 on the implementation of electronic systems by financial institutions. Many banks still manage internal financial transactions, vendor payments, operational advances, cash journals through legacy systems without clear domain separation, making every process change or new integration a high-risk, hard-to-audit operation.
GIFT by HBM is an internal financial transaction management platform built on a modular hexagonal architecture that strictly separates business logic from technical infrastructure. Every integration, whether to core banking, real-time payment systems, or other internal applications, runs through standardized adapters, keeping data consistent and auditable without disrupting ongoing business processes.
Multi-channel maker-checker-approval workflow for every payment transaction.
Full lifecycle from request to reconciliation with real-time budget reservation.
Schedule a demo or discuss your specific integration needs with the HBM team.
Every transaction recorded and tamper-proof
Journal entries with GL validation and digitally signed memos.
Fund disbursement with layered approval and continuous monitoring.
API connectivity to core banking with anomaly monitoring.
Real-time approval dashboard with immutable audit trail.
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