Operational Excellence
Automate operations with AI to boost efficiency.
WHY N3CA
What N3CA brings to your bank's digital journey
Increased Agility
Launch new digital products up to 60–80% faster.
Enhanced Customer Experience
Deliver faster, personalized banking experiences.
Significant Cost Reduction
Lower operational and IT costs with one platform.
Revenue Growth
Unlock new revenue through strategic partnerships.
AI-Powered Security
Strengthen fraud detection for secure, scalable growth.
More Intelligent Bank
Turn customer data into actionable insights.
Ready to transform your business?
Everything your bank
needs to grow
From core banking and digital channels to open banking, merchant acquiring, and AI, our integrated platform supports every stage of your digital transformation.
The Core of Modern Banking
A robust core banking platform with integrated branch and general ledger management, built for both conventional and Islamic (UUS) banks while meeting Indonesian regulatory standards.
Unified core banking for conventional, Islamic, and UUS operations.
Integrated branch and general ledger (GL) management.
VisionIFRS financial reporting and VisionCBR regulatory reporting.
Secure, standardized APIs for deposits, loans, payments, cards, FX, and PayLater.
Accelerate Merchant Growth
Help merchants of every size accept digital payments, manage daily operations, and unlock new growth opportunities through a unified merchant platform.
QRIS acquiring with CPM, MPM, Tap, and cross-border support.
Merchant app with real-time sales dashboard and transaction history.
Virtual account and bill payment acceptance for seamless collection and reconciliation.
Cardless cash withdrawal and cash deposit for merchants.
Banking That Customers Love
Deliver a seamless digital banking experience with a feature-rich super app that brings onboarding, payments, savings, and customer engagement together in one intuitive platform.
Super app banking with seamless E-KYC, OCR, and deepfake detection.
Goal savings, multi-currency savings, RDN, and pocket accounts.
QRIS payments, direct debit, and QRIS Tap on supported devices.
Cardless cash access with integrated loyalty and promotions.
Detect Fraud in Real Time
A real-time fraud detection and prevention system that evaluates every transaction against a configurable set of fraud rules, produces a fraud indicator in under 500 milliseconds, and triggers the appropriate response automatically.
Real-time fraud decisioning in under 500 milliseconds.
Configurable rule engine managed through a web-based UI.
Detection and Prevention modes, configurable per channel.
Optional AI extension with similarity-based fraud scoring.
Connected Banking Without Limits
Expand your banking ecosystem with a secure, BI-SNAP-compliant open banking platform that connects seamlessly with partners, accelerates innovation, and unlocks new revenue opportunities.
BI-SNAP-compliant APIs for embedded finance and banking.
Hundreds of APIs supporting more than 50 banking use cases.
Proven to process over 150 million transactions every month.
AI-powered developer tools for partner onboarding and pricing.
Drive Customer Loyalty
Strengthen customer engagement with an intelligent loyalty platform that delivers personalized rewards, targeted promotions, and automated campaigns across every transaction.
Loyalty points engine with integrated payment promotions.
Limited-time campaigns and interest promotion simulation.
Automated promotion engine triggered by transactions.
AI-assisted cross-selling and personalized customer offers.
Powering Corporate Growth
Empower businesses with a comprehensive corporate banking platform that streamlines payments, cash management, financing, and approvals through a single, secure dashboard.
Comprehensive payment services for domestic, instant, international, and bill payments.
One-time and scheduled payroll with bulk transaction processing.
Financial management with controls, approvals, balances, and limits.
Supply chain financing for corporate ecosystems and business growth.
One Connected Lending Platform
A loan origination system that manages the full credit cycle in one platform, from application and credit assessment to multi-level approval, document management, and disbursement, with configurable workflows per loan product.
End-to-end origination from application to disbursement.
Configurable workflow and credit rules per loan product.
Automated credit assessment with third-party data integration.
Multi-product lending for KPR, KTA, KUR, channeling, and PayLater on one engine.