Five vertical products. One BPMN/DMN engine.
Each product shares the engine, the data model and the compliance posture — so adding the next one is configuration, not another integration.
1nFlow-LOS
Complete loan origination — UMKM, KPR, KKB, Multiguna and KUR. An eight-stage BPMN workflow from RM intake to BI-Fast disbursement, audited at every decision.
- 8-stage BPMN origination — editable, no code change
- POJK compliance built in (KYC, SLIK, BMPK, DBR)
- AI credit narrative — 5C draft, advisory only
- Pipeline & NPL analytics built in
1nFlow-Appraisal
Every collateral valuation through one pipeline — KJPP and internal appraisers, mobile field capture, comparable analysis and signed reports. POJK 17/2020 + SPI 2018.
- MAPPI directory — 80+ KJPPs by tier & region
- Offline mobile capture — GPS photos, BPKB/SHM OCR
- Three SPI-2018 valuation methods
- POJK-40 revaluation auto-tracker
1nFlow-Collections
An NPL workflow engine with multi-channel campaigns and restructuring — recover more, earlier, with a full audit trail.
- NPL workflow & strategy engine
- WhatsApp · SMS · voice campaigns
- Restructuring & R/R workflows
- Promise-to-pay tracking
1nFlow-Treasury
Liquidity, GAP analysis and BMPK monitoring for mid-tier banks — the numbers OJK asks for, on time.
- Liquidity & cashflow ladder
- Interest-rate GAP analysis
- BMPK / large-exposure monitoring
- Regulatory reporting
1nFlow-CDD
Standalone KYC and customer due diligence with PEP screening and AML transaction monitoring.
- KYC / CDD / EDD workflows
- PEP & sanctions screening
- AML transaction monitoring
- Case management & SAR/STR