Transfer Path Reconstruction
A dated pack of sampled customer transfers, each followed from payee enrolment to debit, credit, and settlement inside the live mobile banking application.
14–20 business days · from MYR 28,000 · informational
We sample completed DuitNow, intra-bank, and scheduled transfers from the application your customers actually use. Each item is reconstructed through enrolment, limit check, maker or self-authorisation, debit, credit, and any reversal. The deliverable is a trail pack: where dual control is enforced, where a warning can be dismissed, and which steps complete without a named decision. Built for internal audit and retail-banking control owners in Kuala Lumpur who need evidence before the next BNM or board pack.
What is included
- Sample selection across DuitNow, intra-bank, and scheduled transfers
- Step-by-step trail notes with screenshots of the customer and back-office path
- Gaps between the stated maker-checker matrix and live behaviour
- Walkthrough with retail operations and internal audit
