Signal as a Service – never the decision
Koivu looks at your institution from the outside: we verify that payments really arrive, provide a real but non-sensitive test client and screen names against sanctions and PEP lists. Every signal comes with its source – your team decides.
Business hours | actively monitored
Evenings, nights, weekends | unattended
Basis: a week has 168 hours; around 45 of them are core business hours with staffed operations. The remaining ~123 hours – evenings, nights, weekends – are about 73%.
Validation
Real end to end payment tests with real money and real accounts across login, 2FA, clearing and confirmation.
Reporting
Structured monitoring protocol with full audit trail for FINMA, ongoing reporting and regular executive summaries.
Alerts
Verified email alerts within minutes that focus on real customer impact instead of noisy false positives.
Coverage
Continuous outside in monitoring nights, weekends and holidays before the first customer calls.
Koivu logs into a real business account. A real payment is initiated. The payment passes through clearing (SIC / SEPA / SWIFT). The receiving bank credits the funds. Koivu verifies the credit. You receive a structured signal.
Interbank
Koivu
Bank-1
Koivu account X
Clearing systems
SIC, (SEPA, SWIFT, ...)
Bank-2
Koivu account Y
Koivu
Koivu maintains bank accounts at major Swiss banks for end to end payment monitoring and detection of problems.
More partners
On request
Deep dives into monitoring approaches, operational best practices, and the technology behind real world payment validation.
Transliteration, aliases and spelling variants make names hard to match. Good name matching cuts false alerts without missing real ones, and your team keeps the decision.
Why every screening result should come with its source and list status, and how traceable hits make life easier for compliance, internal audit and external auditors.
Learn how structured monitoring output eliminates guesswork and enables instant operational response. Discover why clear signals matter more than raw data.
Close the blind spot
For banks under FINMA operational resilience requirements, payment service providers, core banking platforms, infrastructure operators, risk and resilience teams, and CIO / COO / CRO leadership.
Koivu 360° operational resilience