KYB Assessment Report Generator
Generate an evidence-linked merchant assessment report containing identity, module findings, risk calculation, EDD disposition, reviewer and audit metadata.
Merchant KYB Assessment
PT Metro Kreasi Utama · Case KYB-2026-1041
1. Executive Summary
The legal-document set is materially consistent. The case is held for Enhanced Due Diligence because the merchant website indicates a broader business scope than declared, customer reviews show a repeated refund-delay complaint theme, and one adverse-media item remains an ambiguous identity candidate. No high-confidence sanctions or prohibited image-content hit is treated as confirmed.
2. Merchant Profile
| Legal name | PT Metro Kreasi Utama |
| NIB | 9120•••••••• |
| KBLI | 62090 |
| Website | example-merchant.id |
| Director / UBO | Budi Santoso / Andi Wijaya |
3. Six-Module Findings
| Module | Score | Status | Key finding |
|---|---|---|---|
| Document AI | 18 | Pass | 96% cross-document consistency |
| Website Intelligence | 67 | Review | Declared vs detected LOB mismatch |
| Google Review | 61 | Review | Refund-delay complaint cluster |
| Adverse Media | 56 | Review | 1 medium-confidence entity candidate |
| Social Media | 42 | Info | Mostly neutral; 2 complaint clusters |
| Image Safe Search | 4 | Pass | No category threshold exceeded |
4. Decision & Explainability
Reason codes: R-WEB-014, R-REV-006, R-ADV-021. Numeric score alone does not determine final disposition. The adverse-media finding is explicitly marked as a candidate and requires human entity resolution.
5. EDD & Human Review
Reviewer to validate the adverse-media identity, obtain merchant clarification on marketplace functionality and confirm whether expanded product scope requires additional licensing or risk controls.
6. Evidence & Audit Metadata
Evidence package contains source references, retrieval timestamps, hashes, model versions, rule version and reviewer actions. Controlled evidence export is logged and minimized.
7. Privacy & Data Governance
Processing is scoped to KYB purpose, approved sources, defined retention, human review for high-impact probabilistic findings, correction/reconsideration workflows and controlled cross-border processing.