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OneView
Transaction Monitoring

Transaction intelligence for complex banking activity.

Ingest interbank transfers, USSD and VAS payments, and GL journals into a client-controlled intelligence layer designed for detection and regulatory reporting workflows.

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Credit card, payment key, banknotes, and coins representing transaction activity
Universal transaction coverage

Coverage across core banking transaction flows.

From everyday consumer transfers to complex internal ledger adjustments, OneView brings movement-of-money records into one monitoring standard, reducing blind spots across retail, business, and internal operations.

Example

Synthetic data
{
  "transactionReference": "TXN-NIP-10482",
  "externalReference": "CBS-77104",
  "direction": "OUTBOUND",
  "amount": "150000.00",
  "currency": "NGN",
  "executedAt": "2026-08-02T10:30:00Z",
  "initiator": {
    "accountNumber": "0123456789",
    "accountName": "Sample Customer"
  },
  "counterparty": {
    "accountNumber": "9876543210",
    "accountName": "Sample Recipient"
  },
  "telemetry": {
    "ipAddress": "192.0.2.24",
    "deviceId": "device-demo-42",
    "latitude": 6.5244,
    "longitude": 3.3792,
    "appVersion": "4.8.0"
  }
}

External interbank / NIP

Interbank & P2P Money Movement

Review retail and corporate transfers across clearing rails such as NIP with customer, device, and receiving-bank context captured together for risk analysis. Give compliance teams the evidence needed to investigate account takeover, mule activity, and structuring patterns.

Extracted context

Telemetry
IP, device fingerprint, location, and VPN or proxy indicators when supplied.
Initiator context
Customer and account snapshots, supplied identity references, and available risk context.
Counterparty
Receiving-bank, routing, and beneficiary details captured with the transfer.
Counterparties & telemetry forensics

Know every party across the transaction. And every device behind it.

OneView distinguishes who receives or moves value across five banking counterparty types and preserves environmental telemetry, giving analysts and bank-led detection controls clearer forensic context.

Cross-Border & Local Clearing

Captures supplied SWIFT BIC, IBAN, sort codes, and intermediary correspondent routing for out-of-network transfers.

Intra-Bank P2P & Profile Data

Retains supplied recipient risk tiers, PEP records, and BVN or NIN profile context from core banking sources.

Accounting Integrity & Staff Activity

Captures double-entry GL posting legs, branch cost centres, and manual staff journal context.

POS & E-Commerce Telemetry

Retains supplied BIN ranges, merchant category codes, terminal IDs, and transaction entry modes.

Biller & Utility Context

Captures biller identifiers, product codes, and target recipient references across USSD and web channels.

Deep telemetry & digital footprints

Investigate the digital context around every transaction.

When supplied by the source channel, network, device, location, and application signals remain attached to transaction activity, helping teams investigate account takeover, device reuse, proxy routing, and geographic inconsistencies.

Network

IP address, network context, and VPN or proxy indicators when supplied.

Device

Device identifiers and fingerprint hashes available for cross-transaction comparison.

Location

Latitude and longitude coordinates available for geographic review.

Application

App version, user-agent, and channel context such as USSD, mobile, or branch when supplied.

Flexible transaction rules engine

Build custom detection rules.

Every financial institution operates under unique risk tolerances. OneView gives compliance and risk teams an intuitive, no-code rule builder to review live core banking transactions, trigger automated safeguards, and prevent financial loss before settlement.

01

Customizable No-Code Rule Builder

Create unlimited detection rules without writing a line of code. Target specific payment flows, account types, currencies, or channels, then combine conditions into precise logic with zero engineering dependencies.

02

Automated Actions & Account Restrictions

Define exact operational responses for every trigger: dispatch instant analyst alerts, hold transactions for in-depth review, reject execution, or automatically apply a timed Post-No-Debit (PND) on the account.

03

Smurfing, Velocity & Anomaly Safeguards

Group rules under Reject, Review, or Alert categories. Automatically flag complex pattern behavior in real time, including rapid multi-account structuring, unusual high-frequency credits, and baseline deviations.

NFIU & regulatory compliance

Automated NFIU reporting & GOAML exports.

Eliminate manual compliance filings and spreadsheets. OneView automatically compiles daily core banking transactions into fully formatted NFIU reports, ready for direct GOAML portal upload.

01

Daily Auto-Generated Reports (CTR, STR, FTR)

Automatically aggregate threshold-exceeding transactions (CTR), cross-border FX transfers (FTR), and flagged rule violations (STR) every single day without manual intervention.

02

Native GOAML XML Schema Compatibility

Export validated XML files pre-formatted to match the exact schema requirements of the NFIU GOAML portal. Zero manual data entry, zero formatting errors.

03

Complete Investigation Context Included

Every exported report automatically bundles full customer PII, account risk tiers, channel device telemetry, and double-entry ledger legs for complete audit readiness.

Start a conversation

Ready to strengthen transaction oversight?

Explore a client-controlled deployment for connected transaction records, analyst visibility, and bank-led detection and reporting workflows.

Request a Transaction Monitoring Demo