ISO
ISO 27001
Certified ISMS for enterprise-grade security.
Built for Regulated Multifinance
Built for Indonesia's regulated stack.
Darwix is built for multifinance teams that need voice automation, field intelligence and agentic execution without stepping outside OJK collection conduct or UU PDP guardrails. Every conversation, nudge and action remains reviewable.
In-country data optionsHuman-in-the-loopConsent & AI disclosureFull audit trailRole-based accessPII isolation
Darwix Compliance Dashboard · Reviewer Console
✓CompliantCALL-2025-05-18-000842
Latency <400msCall Details
- Call ID
- CALL-2025-05-18-000842
- Customer
- Budi Santoso
- Use Case
- Payment Promise (PTP)
- Bucket
- Bucket 2 — Early Arrears
- Model
- Darwix Voice 2.1
- Region
- Jakarta, Indonesia
PTP ValidatedApproved
Event Log
Consent captured
00:00:04
AI disclosure delivered
00:00:06
Right-party contact confirmed
00:00:21
Payment intent detected
00:01:47
PTP validated: 18 Apr · Rp1.250.000 · VA BCA
00:03:12
VA link sent via WhatsApp
00:03:30
CONFINS CMS updated
00:04:01
Follow-up scheduled (Reminder D-2)
00:04:20
Audit Trail ActiveReviewer ReadyRetention 24 Months
Certifications & Control Layers
Eight controls. Audited annually.
Our compliance backbone combines global security frameworks with multifinance-specific operational safeguards.
SOC 2
SOC 2
Control environment for access, availability and monitoring.
UU PDP
UU PDP
Data-protection design for consent, retention and deletion.
OJK
OJK Conduct
Built for collection conduct boundaries and calling rules.
AUDIT
Auditability
Every decision, nudge and action logged.
MODEL
Model Governance
Human oversight, review gates and drift monitoring.
PII
PII Protection
Encryption, RBAC, masking and isolation.
SUPERVISORY
Supervisory Access
Review queues, escalations and complaint trails.
Trusted by leading multifinance companies in Indonesia
FIF GROUPAdira FinanceBFI FinanceACCMandiri Utama FinanceWOM FinanceFIF GROUPAdira FinanceBFI FinanceACCMandiri Utama FinanceWOM Finance
Platform Guarantees
Six guarantees. Built into the platform.
Six platform-level safeguards that keep every deployment measurable, reviewable and regulator-aware.
1
Calling Window Enforcement
Local time enforcement for permitted outreach windows to respect customer comfort and OJK guidance.
OJKLIVE
2
Right-Party Contact Controls
Controls to reduce wrong-party or inappropriate contact through verification and routing.
OJKLIVE
3
Explicit PTP Validation
"Yes" alone is not treated as a promise: date, amount and method are required.
OJKAI DISCLOSURE
4
Human Escalation Paths
Disputes, hardship and sensitive cases are routed to humans with full context.
HITLRBAC
5
PII Isolation + In-Country Options
Customer data protected with isolated processing and storage choices.
UU PDPPII
6
Conversation-to-Action Audit Trail
From speech to nudge to system update, everything is traceable.
AUDITLIVE
What the Audit Trail Looks Like
Every call leaves a trail your auditor can read in plain English.
Every interaction is converted into a structured, human-readable record that compliance, audit and operations teams can review without decoding raw logs.
Call Details
- Call ID
- CALL-2025-05-18-000842
- Customer
- Budi Santoso
- Agent
- Darwix Voice Agent
- Duration
- 00:04:32
- Use Case
- Payment Promise (PTP)
- Bucket
- Bucket 2 – Early Arrears
- Region
- Jakarta, Indonesia
- Outcome
- PTP Validated
Compliance Timeline
- Consent captured and stored
- AI disclosure delivered (voice + text)
- Right-party contact confirmed
- Prohibited-language scan passed
- Commitment validated: date + amount + method
- Payment link sent via WhatsApp
- CONFINS CMS write-back complete
- Follow-up scheduled (Reminder D-2)
Audit Trail ActiveReviewer ReadyRetention 24 Months