Curated News
By: NewsRamp Editorial Staff
December 17, 2025
SotaTek's AI Framework Revolutionizes Merchant Onboarding for SE Asia Banks
TLDR
- 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.
Impact - Why it Matters
This development matters because it addresses a fundamental bottleneck in Southeast Asia's digital banking expansion. With millions of MSMEs representing a massive untapped market, traditional onboarding methods create significant friction that limits financial inclusion and economic growth. SotaTek's agentic AI framework enables banks to serve non-tech-savvy merchants at scale while maintaining regulatory compliance in complex environments like Malaysia and Singapore. For consumers, this means more merchants accepting digital payments, creating a more robust digital economy. For MSME owners, it reduces barriers to accessing modern financial services that can help their businesses grow. The technology's adaptability to different digital literacy levels ensures broader participation in the digital economy, potentially accelerating financial inclusion across the region while giving digital banks a sustainable competitive advantage through more efficient operations.
Summary
In Southeast Asia's rapidly evolving digital banking landscape, SotaTek has unveiled a transformative framework that addresses one of the industry's most pressing challenges: efficiently onboarding millions of micro, small, and medium-sized enterprises (MSMEs). The leading AI solutions provider argues that merchant onboarding has become a critical competitive differentiator and core revenue engine for digital-first banks, yet most institutions still struggle with manual processes, high drop-off rates, and limited specialist support. SotaTek's solution centers on deploying next-generation agentic AI, voice AI, and intelligent workflow orchestration to create personalized, human-like onboarding experiences that can scale dramatically.
The company's approach moves beyond traditional scripted bots or static robotic process automation (RPA) to systems that can reason, guide, adapt, and self-correct throughout complex merchant journeys. According to CEO Meng Khong Tong, these agentic systems act as guided onboarding concierges, assisting merchants step-by-step while validating inputs and documents in real-time. The technology adapts explanations based on a merchant's digital literacy level, reducing dependency on human specialists while serving potentially millions of merchants with fewer than 100 onboarding staff. This framework is particularly crucial in heavily regulated markets like Malaysia and Singapore, where any AI deployment must be auditable, explainable, and integrated into cloud-native stacks such as AWS and Databricks.
SotaTek continues to explore new applications of agentic AI in digital banking through collaborations with ecosystem partners, accelerating time-to-market for these innovations. The company's insights come at a pivotal moment as digital banking adoption accelerates across Southeast Asia, creating unprecedented opportunities for financial institutions that can master efficient, compliant merchant onboarding. For more information about SotaTek's solutions, visit their official website or view the original release on www.newmediawire.com, where the company detailed its comprehensive approach to transforming financial services through advanced artificial intelligence technologies.
Source Statement
This curated news summary relied on content disributed by NewMediaWire. Read the original source here, SotaTek's AI Framework Revolutionizes Merchant Onboarding for SE Asia Banks
