Transaksi Hari Ini
💳
247,284
↑ +14%vs kemarin
Volume Transaksi
💰
Rp 28.4M
↑ +8%vs kemarin
NPL Ratio
📊
2.1%
↓ -0.4%vs bulan lalu
Fraud Blocked
🛡️
47
Rp 2.8jt diselamatkan
CAR (Capital)
🏦
18.4%
Min 8% ✅
📈
Volume Transaksi & Nilai — Hari Ini📊
Portofolio PinjamanKTA (42%)Rp 248jt
BPKB (28%)Rp 166jt
Multiguna (18%)Rp 107jt
Syariah (12%)Rp 71jt
⚡
Live Fintech FeedREALTIME
✅
KTA #LN-8472 disetujui — Tn. Ahmad — Rp 25jt — 24 bln — score 724
🚨
FRAUD ALERT: Transaksi ganjil #TRX-29847 — pola tidak biasa — BLOCKED
📊
NPL update: 47 debitur terlambat 30+ hari — collection call scheduled
🎯
CAR & NPL Gauge18.4%
CAR
0%15%
2.1%
NPL Ratio
0%10%
📈
NPL Trend 7 Hari🤖
AI Agents🛡️ Fraud Detection
47 FRAUD BLOCKED · Rp 2.8JT SAVED
💳 Credit Scoring
24 APLIKASI · 91.4% APPROVAL ACCURACY
📞 Collection Agent
47 DEBITUR TDP · AUTO-CALL
Fraud Blocked Hari Ini
🛡️
47
Rp 2.8jt diselamatkan
False Positive Rate
⚠️
0.8%
Target <1% ✅
Detection Accuracy
🎯
99.2%
↑ +0.4% vs bulan lalu
Avg Detection Time
⚡
0.12 dtk
Real-time scoring
🗺️
Fraud Heatmap — per Jam & Kategori
TransferPinjamanKartuMobileATM
Warna merah = fraud terdeteksi tinggi · Hijau = aman
🚨
Fraud Cases Hari Ini| Case ID | Waktu | Jenis | Nilai | Metode Deteksi | Score | Aksi |
|---|---|---|---|---|---|---|
| FR-0847 | 09:24 | Transfer ganjil | Rp 48jt | Velocity + pattern | 94 | BLOCKED |
| FR-0846 | 08:15 | Pinjaman duplikat | Rp 25jt | Identity check | 89 | REJECTED |
| FR-0845 | 07:42 | Card testing | Rp 50rb×10 | Micro-transaction | 97 | BLOCKED |
| FR-0844 | 06:18 | Akses tidak lazim | Rp 8jt | Geo-anomaly | 78 | REVIEW |
Aplikasi Hari Ini
📋
24
24 masuk, 18 disetujui
Approval Rate
✅
75%
↑ vs 68% bulan lalu
Avg Credit Score
📊
584
Risiko sedang-rendah
NPL Portfolio
⚠️
2.1%
↓ dari 2.8%
📊
Distribusi Credit Score🤖
AI Credit Insights💡 Alternative Data Scoring
17% aplikasi tanpa credit history konvensional — AI gunakan alternatif: telco data, e-commerce behavior, utility payment. Approval naik 23%.
89% prediction accuracy
⚠️ NPL Risk Segment
3 debitur segment UMKM score >700 tapi payment behavior memburuk. Early warning — pre-emptive contact scheduled.
📋
Aplikasi Pinjaman Hari Ini| Aplikasi | Pemohon | Produk | Nilai | Score | Keputusan AI | Status |
|---|---|---|---|---|---|---|
| LN-8480 | Ahmad F. | KTA | Rp 25jt | 724 | APPROVE | DISETUJUI |
| LN-8479 | Sari W. | BPKB | Rp 48jt | 698 | APPROVE | DISETUJUI |
| LN-8478 | Budi P. | KTA | Rp 15jt | 524 | REVIEW | MANUAL REVIEW |
| LN-8477 | Rina K. | Multiguna | Rp 100jt | 428 | REJECT | DITOLAK |
| LN-8476 | Dewi M. | Syariah | Rp 20jt | 712 | APPROVE | DISETUJUI |
NII (Net Interest Income)
💰
Rp 284jt
Bulan ini
NIM
📊
4.8%
Target 4.5% ✅
BOPO
⚠️
72.4%
Target <80% ✅
ROA
📈
2.8%
Target 2% ✅
📊
P&L Summary Bulan IniPendapatan Bunga & FeeRp 420,000,000
Beban Bunga (Dana Pihak III)-Rp 136,000,000
NII (Net Interest Income)Rp 284,000,000
PPAP (Provisi NPL)-Rp 28,400,000
Biaya Operasional (BOPO 72.4%)-Rp 180,200,000
NET PROFIT (ROA 2.8%)Rp 75,400,000
📊
Portfolio by ProdukKTA (42%) — Rp 248jt oustandingNIM 12% · NPL 1.8%
BPKB (28%) — Rp 166jtNIM 10% · NPL 1.4%
Multiguna (18%) — Rp 107jtNIM 14% · NPL 2.8%
Syariah (12%) — Rp 71jtMargin 8% · NPF 1.2%
Fraud Saved (MTD)
🛡️
Rp 48jt
47 fraud blocked/hari
Credit Loss Avoided
💰
Rp 18jt
Better scoring
Ops Cost Saved
⚡
Rp 24jt
Auto processing
🛡️ Real-time Fraud ML
ML model analisis 247+ fitur per transaksi dalam 0.12 dtk. 99.2% accuracy. Model retrain weekly menggunakan feedback loop dari manual review.
99.2% detection accuracy
💳 Alternative Credit Scoring
Debitur tanpa credit history: AI gunakan 18 alternatif data source (telco, e-commerce, utility). Expand addressable market 23% lebih luas.
89% prediction accuracy
📞 AI Collection Agent
Early warning 30 hari sebelum due date — automated contact via WA + call. NPL turun dari 2.8% ke 2.1% sejak ADT deployed. Recovery rate naik 34%.
📊 Regulatory Reporting Auto
Laporan SLIK OJK, LBU BI, dan FATF auto-generate dan submit. Zero keterlambatan laporan. Audit trail lengkap.
100% on-time compliance
📊
AI Impact FintechFraud Detection Accuracy99.2%
Credit Score Accuracy91.4%
Collection Effectiveness78%
Regulatory Compliance100%
Ops Automation Rate84%
Fraud PreventionRp 48jt/bln
NPL Improvement (2.8%→2.1%)Rp 18jt/bln avoided loss
Ops AutomationRp 24jt/bln
TOTAL AI VALUERp 90jt/bln