Financial Crime Compliance in the Digital Economy: Insights from Q2 Technologies’ AML Webinar 2025 Understanding Anti-Money Laundering from Basics to Practice

The New Business Risk: Digitalization Meets Financial Crime

In Indonesia’s fast-evolving financial landscape, one silent risk continues to outpace regulation of money laundering. Despite years of progress, conviction rates in corruption-related cases remain below 50 percent (ScienceDirect, 2025). That figure reveals a widening gap between the sophistication of financial crimes and the capacity of institutions to detect them. 

As banks, fintech startups, and digital payment platforms race to capture market share, Anti-Money Laundering (AML) is no longer a back-office compliance task. It’s a frontline business issue that can decide whether an organization grows sustainably or loses credibility overnight. 

Why Compliance Is Becoming a Competitive Edge?

Across Southeast Asia, regulators are tightening AML standards in line with the Financial Action Task Force (FATF) and Indonesia’s OJK (POJK) requirements. But for forward-looking organizations, compliance is evolving from obligation to competitive differentiation. 

Institutions that invest in robust AML frameworks such as Know Your Customer (KYC), Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) don’t just avoid penalties. They build credibility. They attract global partners and investors who view compliance as a proxy for governance quality. 

in a market where financial integrity defines market value, AML is good business.

From Policy to Practice: Q2 Technologies’ AML Webinar 2025 

Recognizing the growing urgency of financial crime prevention, Q2 Technologies held its “Financial Crime Compliance: Understanding AML from Basics to Practice” webinar on September 30, 2025. 

The session began with opening remarks from Zulfadli Zizar, followed by Gladys Viola Sigarlaki, who guided participants through the practical application of AML frameworks, from spotting red flags in daily operations to reinforcing internal monitoring systems. Unlike typical compliance briefings, the event was designed to be interactive and engaging. Attendees joined live Q&A sessions, took part in Kahoot quizzes, and explored real-world case discussions. The objective was clear is to translate AML theory into actionable insights that compliance officers, risk managers, and business leaders could immediately put into practice. 

Q2 Technologies and TESS International: Raising the Standard for Financial Integrity 

The conversation didn’t end with education. Backed by its global principal TESS International, Q2 Technologies offers a suite of financial crime compliance solutions built to meet the demands of today’s digital financial ecosystem. 

Their approach blends certified expertise with technology-driven tools for fraud detection and AML Compliance helping organizations: 

  • Strengthen governance and reporting frameworks 
  • Detect and respond to suspicious activities in real time 
  • Scale compliance systems as regulations evolve 
  • Build a resilient compliance culture aligned with FATF standards 

By integrating people, process, and technology, Q2 Technologies Financial Crime Compliance Solutions position institutions to thrive in a regulatory landscape where agility and accountability define success. 

Beyond Compliance: Building Digital Trust with Q2

Financial crime compliance is no longer just a legal checkbox. It reflects an institution’s integrity and its ability to operate transparently in an era where data, money, and reputation move at digital speed. Through initiatives such as the AML Webinar 2025, Q2 Technologies continues to lead meaningful discussions on how organizations can transform compliance into capability and capability into lasting trust. As the financial sector enters its next wave of digital transformation, institutions that invest in AML Solutions today are not merely meeting regulations. They are setting the benchmark for digital trust in the years ahead. 

Contact Q2 Technologies (Part of CTI Goup) to learn how our AML solutions, developed in partnership with TESS International, can help your organization stay compliant, resilient, and trusted in the digital economy. 

Writer: Ary Adianto
Content Writer CTI Group

 

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Privacy Policy

At PT Q2 Technologies, ensuring the privacy and security of your personal data is of utmost importance to us. As you navigate through our website, q2.co.id, collectively referred to as this “Website”, we strive to create a safe and trustworthy environment for all users.

This Privacy Policy establishes the terms governing your use of our website between you (“you” or “your”) and PT Q2 Technologies. By accessing our website, you acknowledge that you have reviewed, understood, and consent to be bound by this Privacy Policy.

1. Personal Data We Collect

When utilizing or engaging with our Website, we may gather or receive various types of data, collectively referred to as "Personal Data", including but not limited to:

  1. "Personal Data," such as your name, email, contact details, or any other personal content provided to us via forms on our website or other means of communication (e.g., email, phone, mail, etc.).
  2. "Technical Information," such as browser type, operating system, device type, IP address, and similar technical data typically obtained automatically from browsers or devices when interacting with our Website. This may also encompass the referring URL that directed you to our website.
  3. "Usage Information," such as the pages visited on our website, click activity, searches conducted, and other related data on how you have utilized our website. This category may also encompass details regarding your interaction with emails, including whether you opened, clicked on links, or received them. We are committed in handling such personal data in accordance with applicable laws and regulations.

2. The Methods We Use to Collect and Receive Personal Data

Depending on the type of Personal Data, we collect or receive it through various channels, including but not limited to the following conditions:

  1. When you voluntarily share your Personal Data with us. For instance, when you subscribe to our newsletter or fill out our online form to request contact.
  2. By using cookies and similar technologies. These technologies help us analyze how our Website is utilized and tailor content that is pertinent to you. They also assist in delivering more relevant advertisements on our own or third-party sites.
  3. Information obtained from third-party sources. This encompasses information acquired through various business support tools and services we utilize, such as Website, analytics services, etc., as well as public sources like social media sites. We may merge the Information from these sources with other data we possess to maintain updated records and provide you with pertinent content.

3. The Purposes

We utilize your Personal Data for the following purposes:

  1. Processing your inquiries and responding to your requests, such as when you reach out to learn more about our products or services.
  2. Sending you information related to our services and products that we believe may be of interest to you, such as an invitation to our upcoming events, follow-up by WhatsApp blast and/or call, newsletters, or updates on products and services. These communications are sent to you either based on your explicit consent or when we have a legitimate interest in marketing our products and services. You always have the option to opt out of receiving invitation, newsletters, and/or updates on products and services.
  3. Understanding how you interact with our Website and tailoring it to align with your interests, past actions, and preferences. We do this to enhance our Website, diagnose any issues, and improve your experience while navigating through them.
  4. Preventing fraud or harm to us or any third party, and ensuring the security of our network and services, which is in our legitimate interest.
  5. Complying with our legal obligations and exercising and enforcing our legal rights as necessary for PT Q2 Technologies.
  6. Utilizing certain third-party marketing and advertising networks to assist in marketing our products on our website and third-party Website.

4. Who We Share Your Personal Data With

To facilitate our business operations and the functioning of our Website, we may disclose your Personal Data to various third parties, including:

  1. Our global branches and subsidiary companies.
  2. Third-party service providers aiding in the operation of our Website, such as hosting companies, recruitment platforms and agencies, payment processors, business management, and email distribution service providers, and similar service providers. These entities are authorized to use your personal data solely to provide these services to us.
  3. When compelled by law, such as to comply with court orders, search warrants, regulatory orders, subpoenas, and other lawful requests from public authorities, including those for national security or law enforcement purposes.
  4. Legal authorities, consultants, advisors, or service providers required to investigate, respond to, or prevent fraud, or to ensure the security of our network and services and safeguard the well-being of PT Q2 Technologies or the public.
  5. In the event of a merger and/or acquisition involving PT Q2 Technologies, Personal Data may be transferred to the merging or acquiring entity, as well as to any advisors representing parties involved in discussions related to such merger or acquisition.
  6. Principal, resellers, partners, sponsors, or service providers acting on our behalf in conjunction with the offering of PT Q2 Technologies’s products or services.
  7. Third-party marketing and advertising networks assisting in the promotion of our products on our Website and on third-party websites, such as Google for remarketing ads across the Internet.
  8. PT Q2 Technologies may also disclose general aggregate and anonymized information (e.g., statistical data) pertaining to the use of its Website.

5. Cross Border Data Transfers

  1. We may need to transfer Personal Data to countries where we and/or our service providers operate. These countries may have different data protection laws compared to the country where the data originated, potentially offering different levels of protection. By using our Website, you consent to such transfers. In cases where applicable to the services provided, we will establish agreements with our service providers to ensure a level of privacy consistent with the terms of this policy.
  2. Regarding the collection, use, and retention of Personal Data transferred from Indonesia, please note that PT Q2 Technologies remains compliant with all relevant laws concerning such transfers.

6. Protecting Your Personal Data

We aim to uphold top-tier security standards throughout our business operations. We have adopted suitable technical and organizational safeguards aligned with industry best practices. These safeguards are devised to prevent unauthorized access or unlawful handling of Personal Data and to mitigate the risk of accidental loss, destruction, or damage of such data. As part of these efforts, we have instituted several policies and procedures to guide us, covering aspects such as asset management, access control, physical security, personnel security, product security, cloud and network infrastructure security, third-party security, vulnerability management, security monitoring, and incident response.

7. Data Storage and Retention

We may store your Personal Data on both our own servers and those managed by third-party data hosting providers. As explained in Section 5 above (Cross Border Data Transfers), these servers may be situated globally. We will retain your Personal Data only for as long as necessary to fulfil the collection's intended purpose. Additionally, we may retain your Personal Data for the duration required to pursue our legitimate business interests, address any legal claims, and ensure compliance with legal obligations. In instances where we utilize your Personal Data for direct marketing, we will retain your data until you choose to opt-out of receiving marketing materials; however, certain data may need to be retained to maintain a record of your request.

8. Modifications to This Policy

PT Q2 Technologies reserves the right to amend this Privacy Policy at any time. In the event of a significant change, we will provide notice on this page and/or adjacent to the link leading to this page. These updates will become effective immediately for new Personal Data collected or provided from the date of the update, and within thirty (30) days for any Personal Data collected or provided to PT Q2 Technologies prior to the update. If you do not agree to the terms of the revised policy, please contact our Legal Department using the contact details provided in Section 11 below. We encourage you to periodically review this page for any updates.

9. Your Choices

We offer you various options regarding the use of Personal Data in relation to: (i) our marketing activities; and (ii) our utilization of cookies and similar technologies for interest-based advertising and website usage analysis

  1. You can choose to discontinue receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, adjusting email preferences in your account settings page, or contacting us through q2.co.id. You can manage your preferences concerning our use of cookies and similar technologies, which are used to provide targeted interest-based advertisements and analyze your website usage, by referring to our Cookie Policy for guidance.
  2. Moreover, the laws in some jurisdictions may grant you various rights concerning our processing of Personal Data. These rights may include:
  1. The right to withdraw previously provided consent;
  2. The right to access specific data about you that we process;
  3. The right to rectify or update any Personal Data;
  4. The right to request the erasure of certain data;
  5. The right to temporarily suspend our processing of Personal Data;
  6. The right to receive Personal Data in a common machine-readable format;
  7. The right to object to our processing of Personal Data for direct marketing purposes or when we rely on legitimate interests as the lawful basis for processing your Personal Data; and
  8. The right to file a complaint with the relevant data protection authority.

We will address your requests promptly. Please note that these rights may be subject to limitations under applicable law. For further information on these rights or to exercise them, please contact PT Q2 Technologies at: legal@computradetech.com.

10. Social Media and Third-Party Services

Our Website may include a blog with a 'comments' section and several social media features, such as a 'share' button or links to third-party websites and services like

Facebook, X, YouTube, LinkedIn, and Instagram. When utilizing these features, certain data may be gathered by these third parties, such as your IP address or the specific page you are visiting on our website. Additionally, these third parties may set cookies to ensure the proper functioning of the features. Any data collected by these third parties is subject to their respective privacy policies. We encourage you to thoroughly review the privacy policies of these third parties.

11. Contact Us

If you have any questions or concerns regarding this Website Privacy Policy, the Personal Data we collect, PT Q2 Technologies's practices, or your interactions with the Website, please feel free to contact us. You can reach us via email at legal@computradetech.com or by physical mail addressed to: PT Q2 Technologies (Graha BIP 7th Floor Jl. Jend Gatot Subroto Kav 23, Jakarta, 12930, RT.2/RW.2, Karet Semanggi, Setiabudi, South Jakarta City, Jakarta 12930, (021) 80622298).