Source Verification
Verify business registration and director identity directly from source systems.
CapabilitiesModules for Merchant
Modules for Merchant
Lifecycle Risk Operations
Explore how Kenal AURA helps teams verify merchants directly, monitor change continuously, investigate with SLA discipline, and report with evidence confidence.
Connecting the Verification Lifecycle
Connect the dots from Day 1 onboarding to continuous operational insight. Uncover exactly what your merchants are doing across categories, websites, and the real world.
Lifecycle Pillars
Remote Re-Verification
Run periodic or risk-triggered physical merchant re-checks without field travel.
Web Change Detection
Detect category pivots, prohibited content, and behavior drift on configurable schedules.
Reputation and Sentiment
Monitor complaint and sentiment signals from public platforms as early-warning context.
Onboarding Modules
SSM Live Lookup
Resolve Malaysian merchants against the SSM e-Info registry for company status, directors, and shareholders.
Director eKYC
Selfie, MyKad, and face similarity scoring for every declared director and controlling person.
Video Verification
Premises walkthrough video analysis scored against a weighted checklist with analyst override.
Mobile Onboarding App
Native mobile onboarding app for field sales and branch teams with on-device capture.
Intelligence Modules
Pinned-Page Drift
Lock Terms & Conditions, refund, and delivery pages. Alert the moment they change.
Entity Discovery
Sweep the open web for undeclared merchant URLs, secondary stores, and laundering fronts.
Geo-Cloak Detection
Crawl from multiple regional locales to catch merchants serving different content by geography.
MCC Drift Detection
Compare scanned content against each merchant's approved Merchant Category Code and raise a dedicated alert.
Adverse Media Screening
Continuous open-web screening for negative news, regulatory actions, sanctions listings, and fraud reports.
Module Index
Continuous Monitoring Cadence
Control scan frequency by merchant risk profile and operational policy.
Drift Detection and Alerting
Compare baseline profiles and prioritize alerts by severity and urgency.
Investigation Workflows
Run owner-based investigations with SLA timers and escalation controls.
Compliance Reporting and Evidence
Build audit-ready evidence bundles and regulator-ready reporting context.
Integrations
Connect SSM, eKYC, and video verification integrations into monitored operations.
Platform
Multi-Tenant Platform
Per-tenant plans, feature gating, row-scoped isolation, and per-country cloud placement across AWS Malaysia and GCP Singapore.
Who this is for
| Role | Primary benefit |
|---|---|
| Risk Lead | Detect portfolio drift earlier and focus analyst effort on priority cases. |
| Compliance Manager | Maintain defensible evidence and reporting discipline for governance. |
| COO / CEO | Improve control posture with clear escalation and accountable workflows. |
Module journey
Step 1
Verify
Confirm source identity and onboarding integrity before activation.
Step 2
Monitor
Track online, physical, and public-signal changes on policy cadence.
Step 3
Investigate
Assign ownership, enforce SLA timelines, and log resolution decisions.
Step 4
Report
Export evidence-backed records for management and compliance reporting.
Frequently asked questions
- What compliance standards does Kenal AURA cover?
- Kenal AURA is built to help acquirers meet their Mastercard MMP (Merchant Monitoring Program) and BRAM (Business Risk Assessment and Mitigation) obligations. It also supports Malaysia PDPA data handling requirements and general card-brand merchant monitoring obligations.
- How does automated merchant monitoring work?
- Kenal AURA crawls merchant websites on configurable schedules, classifies content against card-brand rules using AI, detects drift from baseline profiles, and surfaces violations through severity-based alert queues with SLA tracking.
- What types of organizations use Kenal AURA?
- Acquirers, payment service providers (PSPs), fintechs, and payment platforms managing merchant portfolios in Malaysia and ASEAN. Any organization that needs to monitor merchant risk across onboarding, operations, and compliance reporting.
- Can Kenal AURA monitor merchants in multiple languages?
- Yes. Content classification and keyword rules support English, Bahasa Malaysia, and Chinese (simplified), the primary commercial languages across Malaysian and ASEAN merchant websites.