ONION™ enables banks to deliver a modern mobile banking experience that meets the expectations of today’s digital customers. With real-time personalization, dynamic content management, and support for a wide range of banking and lifestyle services, ONION™ empowers financial institutions to create deeper customer engagement while accelerating the delivery of new digital experiences to market.

Built on a scalable and resilient microservices architecture, ONION™ provides a future-ready foundation for continuous innovation. Its flexible integration capabilities, layered security framework, and modular design enable banks to launch services faster, operate more efficiently, and adapt seamlessly to evolving customer behaviors and an increasingly competitive financial landscape.

Key Features

• Seamless transactions — intrabank, interbank, foreign exchange, bill payments & purchases, virtual account payment, time deposit management, cardless withdrawal/deposit; extensive functionality for a complete banking experience.
• Dynamic Design, our signature feature — a fully customizable and responsive UI enables banks to personalize branding, layouts, theme, and customer experiences across iOS and Android.
• Seamless integration with FELISA, VERONICA, FICO, SANDRA, and CRISA.
• Fast onboarding & cost-effective packages.

CAMBER™ empowers banks to deliver a modern corporate cash management experience with the security, flexibility, and control demanded by today’s enterprises. From liquidity management, bulk payments, payroll processing, and fund transfers to sophisticated multi-level authorization workflows, CAMBER™ enables financial institutions to provide integrated transaction services that enhance operational efficiency and support the evolving needs of corporate customers.

Built on a scalable and extensible microservices architecture, CAMBER™ accelerates service innovation while maintaining enterprise-grade reliability and security. Its advanced configuration capabilities, seamless integration framework, and comprehensive transaction and reporting services make CAMBER™ a future-ready cash management platform designed to support both banking growth strategies and the digital transformation journey of corporate clients.

Extensive Features

• Single/Bulk Transfers — In-house, BI-FAST, SKN, RTGS, Foreign
• Payroll
• Tax Payment
• Liquidity Management
• Multidebit
• Bill Payment — Electricity, Telecom, Internet, Multimedia, etc.
• Receivable Management
• ZISWAF — Zakat, Infak, Sadaqah, Waqf, Qurban
• Transfer Scheduling
• Limit & Fee Configuration
• Customizable Service Packages for Companies
• Authorization Matrix for Approval Hierarchy
• And so many more!

As digital payments become an integral part of everyday commerce, banks have a growing opportunity to extend their presence beyond traditional banking channels and become part of every merchant transaction. QRIS Merchant enables financial institutions to deliver a seamless and integrated payment acceptance experience for businesses of all sizes through a unified platform for merchant onboarding, QRIS payment processing, transaction monitoring, and merchant management. By simplifying merchant acquisition and providing real-time transaction visibility, banks can accelerate ecosystem growth while strengthening relationships with both merchants and customers.

More than a payment acceptance solution, QRIS Merchant helps banks build a connected transaction ecosystem that brings together customers, merchants, and banking services within a single network. By linking payment channels with merchant acceptance points, banks can encourage transaction flows to remain within their own ecosystem, creating greater value across both sides of the payment journey. The result is stronger customer and merchant engagement, increased transaction activity, and a more sustainable foundation for long-term business growth.

Key Features

• Simplifies cashless payment acceptance with one QR code for all QRIS-enabled payment applications.
• Features: Static & Dynamic QRIS, instant payment confirmation, transaction monitoring, settlement management, merchant portal, and comprehensive reporting.
• Empowers merchants to increase sales, enhance customer convenience, reduce operational costs, and accelerate digital payment adoption.

FELISA™ enables financial institutions to detect and respond to fraud risks across the entire transaction lifecycle. By continuously monitoring transaction activity, customer behavior, and service usage patterns, FELISA™ provides greater operational visibility and helps organizations make informed decisions before risks escalate into financial losses or customer impact.

Through a dual-layer detection approach, FELISA™ supports Pre-Mode controls that identify high-risk activities before transactions are processed, alongside Post-Mode analytics that uncover suspicious patterns, emerging threats, and potential fraud after transactions occur. Combined with a flexible rule engine, structured alert management, and real-time risk monitoring, FELISA™ helps institutions strengthen fraud prevention strategies, enhance regulatory compliance, and maintain trust in an increasingly digital financial ecosystem.

Key Features

• Real-time Protection — configurable rules, risk scoring, and automated responses.
• Omnichannel Fraud Detection — one powerful FDS for any banking channel: Mobile Banking, Internet Banking, QRIS, and beyond.
• Dynamic Rule Management — a flexible rule engine enables banks to define, customize, and continuously adapt fraud rules.
• Centralized Fraud Monitoring — monitor alerts, incidents, and confirmed frauds through an intuitive dashboard.
• Seamless Integration & Scalability

Built for banks seeking to expand their digital payment ecosystem, VERONICA™ streamlines institutional collections through a flexible virtual account infrastructure with multi-active billing capabilities. From education and finance to subscription-based services, organizations can create, manage, and monitor thousands of billable accounts with real-time payment visibility, configurable billing structures, and seamless integration into existing banking channels and core systems.

Designed to strengthen customer engagement while creating new transaction opportunities, VERONICA™ enables a unified collection experience across mobile banking, internet banking, and interbank transfer networks. Real-time settlement, customizable virtual account numbering, and enterprise-grade scalability empower banks to deliver modern collection services that enhance operational efficiency, accelerate fund management, and support sustainable deposit growth.

Key Features

• Unique VA for easy payment reconciliation.
• Added security, no need to share main account.
• Faster & more convenient transactions.
• Flexible for marketplace, reimbursements, bill payments.

Benefits

• Reduced admin tasks & easy reconciliation.
• Single account mapping with real-time posting.
• Flexible VA properties (open/closed amount).
• Faster payments → improved cash flow.
• Secure & user-friendly → better customer satisfaction.

Banking infrastructure was built for a different era—before instant payments, embedded finance, and regulatory mandates for open connectivity became the norm. SANDRA™ bridges that gap. Designed specifically for financial institutions, SANDRA™ serves as an intelligent middleware, switching, and routing platform that connects core banking systems with today's digital ecosystem, including mobile banking, internet banking, fintech partners, and third-party aggregators. It orchestrates transactions, bridges disparate protocols, and enforces security across every integration point, enabling banks to modernize services without disrupting existing systems. Built on a modular microservices architecture, SANDRA™ scales seamlessly with transaction growth while accelerating the delivery of new digital capabilities.

SANDRA™ provides a future-ready foundation for open banking and interoperable financial services. With regulatory-compliant Open API capabilities, native support for Indonesia’s SNAP standard, and flexible authentication frameworks, the platform helps institutions meet evolving compliance requirements while expanding digital connectivity. Real-time operational visibility, dynamic routing controls, and comprehensive audit trails empower technology and security teams with greater control, transparency, and resilience. Proven across mobile banking, virtual account platforms, cash management systems, and interbank integrations, SANDRA™ enables financial institutions to build secure, scalable, and connected banking experiences for the future.

Key Features

• Secure integration with third-party systems.
• Modular, scalable, BI-SNAP compliant.
• Includes API gateway, microservices, adapters.

Key Features

• Centralized system, scalable & parameterized.
• Supports multiple groups & purposes of VA creation.
• Configurable account types: credit, debit, limits, balance.
• Flexible transaction settings (credit-only, debit-only, both).

In an increasingly competitive digital banking landscape, sustainable growth depends not only on acquiring new customers but also on building deeper, longer-lasting relationships with existing ones. CRISA™ enables banks to deliver more personalized loyalty and engagement experiences through rewards programs, tiered memberships, digital vouchers, targeted marketing campaigns, and a wide range of incentive mechanisms designed to increase customer retention, transaction frequency, and overall engagement quality.

Designed for seamless integration, CRISA™ connects flexibly with mobile banking platforms, transaction services, payment ecosystems, and third-party applications. Dynamic campaign management, configurable loyalty rules, omnichannel communication, and real-time customer behavior analytics empower banks to execute more relevant, data-driven engagement strategies. The result is a modern loyalty platform that helps financial institutions increase customer lifetime value, strengthen brand loyalty, and drive sustainable business growth.

Key Features

• Strengthens customer relations & loyalty.
• Features: loyalty program, online marketing, digital transactions, behavior analysis.
• Suitable for retail, service, community, hospitality, malls.

SINDY™ delivers a fully digital document approval and signing experience designed to meet the governance, compliance, and operational requirements of modern enterprises. By orchestrating the entire approval lifecycle through configurable workflows aligned with organizational structures and business processes, SINDY™ enables organizations to streamline decision-making while maintaining control and accountability. Role-based access controls, delegation mechanisms, secure digital signatures, and comprehensive audit trails help reduce manual effort without compromising visibility over critical business actions.

Designed to support enterprise environments and financial institutions where security is paramount, SINDY™ combines soft token-based approvals and certified digital signature capabilities within a unified platform. Integration with Indonesia’s BSrE (Electronic Certification Authority) enables the use of legally recognized electronic signatures, while real-time notifications and flexible integration capabilities help accelerate business processes without sacrificing security. The result is a trusted digital foundation that improves operational efficiency, accelerates decision-making, and supports paperless transformation at enterprise scale.

Key Features

• Web-based, mobile responsive, easy access anywhere.
• Organized signing flow with preset order.
• Integrated with BSrE → legally valid digital signatures.
• Features: document management, tracking, notifications & reminders.

LARISA™ provides end-to-end operational visibility across the infrastructure, services, and connectivity layers that power modern digital operations. By mapping system dependencies from upstream to downstream, LARISA™ enables organizations to continuously monitor the health of every component involved in delivering business services, helping teams identify potential issues before they impact customers or critical operations. Its intuitive real-time dashboards deliver a centralized view of system conditions, empowering operational teams to respond faster and make more informed decisions.

Designed for enterprise environments and financial institutions where service availability is mission-critical, LARISA™ combines infrastructure monitoring, service health monitoring, intelligent alerting, and business impact analysis within a unified platform. By classifying incidents into Resource Issues, Module Issues, and Connection Issues, LARISA™ helps operational teams accelerate root-cause identification before disruptions cascade across business services. Intuitive alert visualization, automated notifications, and system dependency mapping provide the context needed to improve incident response, accelerate service recovery, and maintain operational resilience at scale.