Find out how Indonesia's PT. ALTO Network isolates performance and security issues 85% faster

PT. ALTO Network (ALTO) is Indonesia’s leading provider of end-to-end bank switching and digital payment solutions. Licensed by Bank Indonesia as the institution that principally implements the National Payment Gateway (GPN) to uphold the interconnection and interoperability of Indonesia’s national payment system, ALTO provides a full range of digital end-to-end solutions with its extensive domestic ATM network, GPN’s debit transaction processing services, real-time payment disbursement, cross-border remittance transactions, QR code payment system, card-not-present transactions, and other value-added services.

ALTO is currently servicing 40+ issuing and acquiring major banks and major non-banks. Handling over 25 million transactions per month, ALTO connects to 100,000+ automated teller machines (ATMs) and 1,000,000+ electronic data capture (EDC) machines across Indonesia.

“In Indonesia, payment fraud is greatly under regulated. To safeguard against cardpresent and card-not-present fraud attacks, ALTO is resolutely working together with world class partners such as INETCO and Visa. We put great efforts to make our customers feel safe when it comes to digital payment migration, and concurrently provide our bank members with the needed assistance to protect themselves, respectively, against financial loss and a tarnished reputation — neither of which could be easily recovered if a fraud occurs.”

PATRICCO BARON, CTO, PT. ALTO NETWORK

ALTO has become a national leader in the payments space by offering innovative technology solutions and delivering world-class network and service excellence. Their goal is to be the most trusted payment and digital system partner in Indonesia. This means meeting 99.9% up-time service-level agreements, and guaranteeing the security and reliability of every end-to-end consumer payment transaction that flows across their network.

To manage growing payment volumes, their critical partnership with Visa and expanding digital services, ALTO needed their transaction performance monitoring, payment fraud detection and analytics capabilities to meet worldclass standards. They chose the INETCO Insight payment monitoring platform to guarantee the stability and safety of every end-to-end payment transaction, including ATM, debit, digital payment and inter-bank fund transfers (“IBFT”).

INETCO Insight is a real-time, cross-functional solution used for payment performance monitoring, payment fraud detection and the analysis of card profitability, customer behaviors and channel usage. It is used by ALTO to eliminate performance blind spots, isolate security risks anywhere along the end-to-end payment journey, and analyze ATM, debit and IBFT member bank transactions. INETCO Insight helps the ALTO network operations team, the digital operations team and the fraud risk team to analyze and react faster to issues that impact client service-level delivery, consumer experience and transaction approval rates.

INETCO Insight has helped ALTO to:

• Monitor the SLA process to achieve the target of 99.9% availability for 40+ issuing and acquiring financial organizations
• Implement world class performance and security monitoring to comply with VISA real-time performance monitoring and security requirements
• Streamline resources and become proactive about payment performance issues and fraud attacks impacting inter-bank fund transfers (IBFTs), digital payments, debit and ATM transactions – isolate the root cause of performance and security issues on average 85% faster
• Avoid major financial loss, customer frustration and reputational harm associated with undetected payment fraud, false positives and transaction completion issues
• Safely expand business offerings from a shared interbank network to complete debit and digital payment solutions
• Improve communications with member banks while driving faster, fact-based decisions
• Drive financial inclusion and the adoption of non-cash payments across Indonesia

“With INETCO Insight, ALTO’s network operations team can slash the frequency, duration and impact of incidents impacting payment transaction completion. We can uncover the root-cause of problems and begin immediate remediation — before customers even notice there is an issue.”

PATRICCO BARON, CTO, PT. ALTO NETWORK