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FAQ: SotaTek's AI-Powered Merchant Onboarding Framework for Southeast Asian Digital Banks
TL;DR
SotaTek's AI framework gives digital banks a competitive edge by enabling efficient merchant onboarding to drive transaction revenue and expand market reach across Southeast Asia.
SotaTek's agentic AI system uses OCR, behavioral signals, and workflow orchestration to guide merchants through personalized, compliant onboarding journeys that adapt to their digital literacy.
This AI-powered approach makes banking more inclusive by helping non-tech-savvy merchants confidently join digital platforms, fostering economic participation and financial access across Southeast Asia.
Digital banks are replacing scripted bots with AI concierges that reason and self-correct, creating human-like onboarding experiences that anticipate merchant needs in real-time.
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SotaTek announced a framework for using next-generation AI technologies, specifically agentic AI, voice AI, and intelligent workflow orchestration, to transform merchant onboarding for digital banks in Southeast Asia.
Digital-first banks in Southeast Asia increasingly depend on merchant onboarding as a core revenue engine, as each transaction through onboarded merchants drives meaningful income. It has become a critical competitive differentiator as digital banking adoption accelerates across the region.
Banks struggle with manual processes, high drop-off rates, poor onboarding experiences, and limited onboarding specialists to support merchants who may not be tech-savvy.
The framework uses agentic AI systems that can reason, guide, adapt, and self-correct across complex onboarding journeys, acting as a guided concierge. These systems assist merchants step-by-step, validate inputs and documents in real-time, and adapt explanations based on the merchant's digital literacy.
Meng Khong Tong is the CEO of SotaTek US and Asia. He stated that by combining agentic AI with OCR, behavioral signal detection, and intelligent workflow design, banks can deliver personalized, human-like onboarding experiences at scale, even for non-tech-savvy merchants.
The framework is designed for digital banks in Southeast Asia, with specific mentions of Malaysia and Singapore, which operate in heavily regulated environments.
Any AI deployment must be auditable, explainable, and integrated cleanly into cloud-native stacks such as AWS and Databricks to meet regulatory standards in markets like Malaysia and Singapore.
Unlike scripted bots or static RPA (Robotic Process Automation), agentic AI systems can reason, guide, adapt, and self-correct. They anticipate needs and tailor the onboarding journey to each merchant's readiness, needs, and digital literacy.
SotaTek is a leading IT services and digital consulting company, a subsidiary of Sota Holdings, specializing in Software Development, Blockchain, AI & Machine Learning, ERP & CRM, Web/App/Game Development, and Managed Services across multiple countries.
For media inquiries, contact Veronica Welch at VEW Media via email at ronnie@vewpr.com. For general information, visit https://www.sotatek.com/.
Curated from NewMediaWire
