AI KYB Merchant ScreeningScreening Detail
Prototype engines onlineResidency: Indonesia profile＋ New Screening
KSI
Case KYB-2026-1041

PT Metro Kreasi Utama

Illustrative case showing how all six modules roll up into one explainable decision. Findings are sample data for prototype demonstration only.

Merchant 360 ← Back
58MEDIUM RISK
6 / 6No technical failures
3Website, review, adverse media
4hOldest external evidence

Merchant profile

Legal namePT Metro Kreasi Utama
NIB9120••••••••
Declared businessDigital Services
Websitehttps://example-merchant.id
Directors / BO2 individuals · masked in prototype
DecisionHold for EDD

Top decision reasons

1
LOB mismatchWebsite content suggests a materially broader business scope than the onboarding declaration.
2
Repeated complaint themeNegative reviews repeatedly mention delayed refunds. Requires context, not automatic rejection.
3
Adverse-media candidate matchOne article has medium entity-resolution confidence and must be verified by a reviewer.

Module Results

Module outputs remain separable so reviewers can distinguish evidence, inference and model confidence.

OCR & Document AI

18
PASS

Documents structurally consistent

98% field-level mean confidence

Website Intelligence

67
REVIEW

Declared vs detected LOB mismatch

Domain active · 4.2 years

Google Review

61
REVIEW

Refund complaints trending negative

Suspected manipulation: low

Adverse Media

56
REVIEW

1 medium-confidence candidate match

Requires entity resolution

Social Media

42
INFO

Mostly neutral; 2 complaint clusters

Only business-facing data retained

Image Safe Search

4
PASS

No policy threshold exceeded

Private processing profile

Reviewer Actions

Evidence Timeline

13:42 · Intake accepted

Merchant profile tokenized and document malware scan passed.

13:43 · Document extraction completed

Cross-document consistency 96%.

13:44 · External-source policy gate passed

Approved connectors only; request IDs retained.

13:46 · Six modules completed

Three findings exceeded review thresholds.

13:47 · Decision engine assigned Medium Risk

Auto-rejection disabled for adverse-media ambiguity.