Stop Fraud Before It Starts
Onboard secure users with Digio’s Risk & Fraud Suite, built for digital businesses in Indonesia
Built for OJK-regulated onboarding and UU PDP data handling
2500+
Enterprise Customers
260 Mn+
Identities Verified Annually
50 Mn+
Documents Automated Annually
99.4%
Face match accuracy
Clients
+2500 Other Businesses
Product Stack
Digital Identity Verification, Onboarding, And Document Intelligence
Six modules that cover your user onboarding journey
One Platform for Every Stage of Risk
Identity Verification & Onboarding
Onboard genuine customers in seconds. Verify documents, match faces and screen names in one seamless flow.
- Faster onboarding with fewer drop-offs
- Audit evidence for every decision
- Ready for Indonesian regulation
eKYC
Read and validate KTP, passport and NPWP instantly.
Face Verification
Match a selfie against the photo on the ID document.
Video Verification
Live, agent-led video KYC sessions, fully recorded.
Name Screening
Check names against sanctions, PEP and watchlists.
Fraud Prevention
Stop fraudsters before they get in. Detect deepfakes, synthetic images and presentation attacks in real time.
- Block synthetic identities and mule accounts
- Defeat deepfakes, presentation, and replay attacks
- Reduce fraud losses
Deepfake Detection
Spot AI-generated faces and video during verification.
Synthetic Image Detection
Catch digitally created or edited Id's, documents and photos.
Liveness Checks
Confirm the person being verified is physically present.
Name Screening & AML Checks
Ongoing screening against sanctions, PEP and adverse media.
Underwriting
Make faster, sharper credit decisions with verified data, from documents to business premises.
- Faster credit decisions
- Less manual data entry
- More reliable business verification
AI
AI models that assess risk from verified applicant data.
OCR
Extract data from bank statements, payslips and business documents, and unstructured data
Shopfront Verification
Confirm a shop or business location is real and operating.
Product Deep Dive
Every Module, In Detail
Use one module or the whole stack. Each one returns a structured result your risk engine can act on immediately.
01
Document OCR & Verification
Capture any supported Indonesian identity document and get clean, structured data plus a validity verdict.
The image is checked for quality, deskewed and enhanced, then read with OCR tuned for Indonesian document layouts and fonts. Extracted fields are validated against format rules and cross-checked against each other before a verdict is returned.
02
Selfie & Face Match
Compare a live selfie with the photo on the identity document and return a similarity score you can threshold to your own risk appetite.
Faces are detected and aligned in both images, converted into biometric templates, and compared. The similarity score is returned with a pass, review or fail band based on the thresholds you configure.
03
Liveness & Deepfake Detection
Passive liveness confirms a genuine human is in front of the camera, while deepfake and injection detection block synthetic and replayed media.
A short selfie capture is analysed for depth, texture, reflection and micro-movement cues. In parallel, the media stream is inspected for generation artefacts and signs that the camera feed was bypassed with virtual or injected input.
04
Forged Document Detection
Beyond reading a document, Digio checks whether it is genuine; examining the physical and digital fingerprints a forgery leaves behind.
The capture is compared against known template geometry, fonts, security features and print characteristics for that document type. Pixel-level forensics then look for editing traces, cloned regions and inconsistent compression.
05
Video KYC
A guided live video session between your agent and the customer, with automated checks running in the background and a complete recorded audit trail.
The customer joins a scheduled or on-demand session. The agent follows a scripted flow while Digio runs document capture, deepfake-detection, face match and liveness in the background, then stores the recording, timestamps and decision evidence.
06
AML Screening
Once identity is established, screen the customer against global and regional watchlists; at onboarding and continuously afterwards.
Names and identifiers are matched against sanctions, PEP and adverse media data using fuzzy logic tuned for Indonesian naming conventions. Hits are scored, deduplicated and returned for review, with ongoing monitoring for new matches.
Why Digio
Accuracy that holds up in the Indonesian market
Trained on local documents
KTP, passport, NPWP and KK; including worn, glare-heavy and low-light captures from real phones.
Compliance-ready by design
Audit trails, consent capture, data residency options and retention controls aligned with OJK expectations and UU PDP.
Fraud defence, not just matching
Deepfake, injection and document-tampering detection built into the same decision as identity matching.
Built to scale
High-volume APIs with predictable latency, so onboarding holds up during campaigns and payday peaks.
Use Cases
Trusted where onboarding risk is highest
Banking
Digital account opening and branchless onboarding with full audit evidence.
Lending
Verify borrowers fast and block synthetic and mule applications.
E-wallets & Payments
Upgrade KYC tiers and re-verify users without adding friction.
Insurance
Onboard policyholders and validate claimants remotely.
Marketplaces & Gig Platforms
Verify sellers, drivers and couriers before they transact.
Capital Markets and Crypto
Meet strict identity and AML obligations at sign-up.
Get in touch
Let’s talk about your onboarding flow
Tell us what you’re building and our team will get back to you with a tailored demo.
Let’s talk about your onboarding flow
Tell us what you’re building and our team will get back to you with a tailored demo.