Transforming B2B Corporate Banking: Architecting an 'Audit Ready' State Tax Solution
A B2B research initiative to simplify corporate tax workflows, removing operational friction and securing audit readiness for enterprise banking clients.
The Challenge
The client—a leading regional corporate banking provider—faced severe regulatory alignment risk due to manual, error-prone tax payment workflows in their MPN (Modul Penerimaan Negara) system. Outdated user interfaces led to repetitive processing delays, reconciling errors, and audit vulnerability for corporate clients.
"We designed a system that addresses regulatory compliance, while keeping the user experience seamless for our corporate clients."
Research Objectives
Map Governance
Identify audit friction points and compliance gaps across the entire payment life cycle to establish visibility.
Pinpoint Friction
Uncover bottleneck patterns in transaction management that cause data mismatch and delay validation.
Validate GUI
Validate prototype layouts and logic against real user expectations to secure high adoption and error prevention.
Methodology
Enterprise B2B In-Depth Interviews (IDIs)
Conducted target interviews with Corporate Treasurers, Finance Managers, and Operations heads to map out pain points in MPN payments.
High-Fidelity Usability Testing (UT)
Evaluated prototype design iterations with target users, validating the efficiency and error prevention capabilities of new workflows.
Crucial Findings: Uncovering Invisible Walls
Post-Transaction Evidence Friction
Treasurers faced significant issues during receipt generation, where delayed receipts stalled audit workflows and generated administrative pressure.
Fragmented Administrative Overhead
Payment execution involved multiple manual verification steps across internal departments, which increases vulnerability to operational errors.
Strategic Recommendations
Asynchronous Dashboard Notification
Provide real-time status updates and receipt generation indicators to avoid repeated manual queries.
Batch-Export Infrastructure
Design a bulk-export feature for transaction history files that matches standard audit formats.
Standardized File Nomenclature
Establish a clear nomenclature system for all exported transaction documents to facilitate automated reconciliation.
Strategic Product Enhancement
The redesigned system successfully aligned transaction workflows with corporate compliance requirements, resulting in a streamlined, risk-mitigated operation.
Audit-Ready
The system successfully eliminated compliance gaps, ensuring that all transaction records are instantly verifiable and formatted according to audit standards.
