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Regtech, Risk & Compliance
Detect and stop suspicious transactions in real time. Compliant with POJK No. 12/2024 and PBI No. 10/2025.
Latency under 100ms per transaction
Meets POJK No. 12/2024
Adaptive detection of new fraud patterns
Local technical team always on standby.
Indonesia records one of the highest e-commerce fraud rates in Southeast Asia, with rising cases of high-value scams and account misuse each year. Regulators have responded by tightening the rules: POJK No. 12/2024 requires all Financial Service Institutions to implement anti-fraud strategies through 4 core pillars, while PBI No. 10/2025 explicitly mandates that Payment Service Providers operate a technology-based Fraud Detection System; manual or ad-hoc processes are no longer sufficient.
HBM's Fraud Detection System is built to meet this need end-to-end. It monitors transactions across every channel: mobile banking, internet banking, core banking, debit/credit cards, ATM/EDC, and SWIFT money transfers in real time using a combination of rule engines and machine learning. Every transaction is analyzed, risk-scored, and auto-responded to (approve/decline/challenge) within seconds, freeing fraud analysts to focus on genuinely high-risk cases.
Monitors transactions instantly to catch suspicious activity before fraud occurs.
A self-learning ML model that automatically detects abnormal transaction patterns.
Schedule a live demo or discuss your specific needs with the HBM team.
A real-time decision engine with an investigation module for fraud case follow-up.
Automatic screening against regulator blacklists and internal databases.
Real-time transaction statistics with full audit trail and operational reports.
Instant alerts to customers and fraud analysts via SMS, email, WhatsApp, or Telegram.
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