Navigating Cambodia’s Digital Boom: How Drona Pay Strengthens Real-Time Fraud Defense in Line with NBC Mandates

Walk into any café or market in Phnom Penh today, and chances are you’ll pay by scanning a QR code. Cambodia’s digital payment ecosystem — powered by the National Bank of Cambodia’s Bakong system — has rapidly become one of Southeast Asia’s fastest-growing digital economies. But with adoption rising, so does the threat of cyber. The NBC has time and again called on financial institutions to "prioritiz

e resolving customer complaints and strengthen their management against cyberattacks." In other words, the message is unambiguous: digital trust must increase as much as digital payments. For e-wallet operators, MFIs, and banks, compliance is no longer just about box-ticking. It is now about having real-time systems that identify and block fraud, prevent account takeovers, and are aligned with the NBC's Technology Risk Management Guidelines. Here's how the Drona Pay Platform is enabling Cambodian financial institutions to remain secure, compliant, and trusted within this rapidly evolving environment 

1. Cyberattack and Account Takeover Protection

Mobile wallets and Bakong-linked apps have streamlined payments — but they've also created avenues for phishing, app cloning, and remote access attacks. 

We do more than passwords and OTPs at Drona Pay. Our Device Fingerprinting and Behavioral Biometrics technologies quietly observe users typing, swiping, and engaging — verifying that it's actually the user initiating every transaction. 

• Keystroke & Rhythm Analysis: Identifies bots, script injections, and remote access attempts.

• Device Integrity Checks: Identifies cloned apps, GPS spoofing software, and malware even before they can do any harm. 

This multi-layered protection makes transactions secure on both e-wallets and Bakong-enabled platforms — safe for users without compromising the smooth experience. 

2. Real-Time Transaction & Velocity Monitoring 

The NBC puts a strong focus on transaction limits and making transfers secure and risk-suitable. That is only possible if you are able to monitor what's occurring — in real-time. 

Drona Pay's AI-powered monitoring examines every transaction in milliseconds, offering a real-time risk score that adjusts to user behavior. 

• Value & Velocity Analytics: Catch suspicious spikes in transactions or frequency anomalies in real time. 

• Geolocation & IP Profiling: Catch high-risk IPs, proxies, or cross-border anomalies in real time.

 Because in digital payments, fraud doesn't wait — and neither should risk systems. 

3. Combating Mule Accounts and Financial Crime

Money mules and laundering networks grow more advanced — and Cambodian FIs increasingly find themselves under pressure to exclude exploitation of their networks. 

Drona Pay brings fraud and AML risk management together under one lens with Graph Network Analysis, linking the dots the old systems tend to miss. 

• Mule Detection: Traces concealed relationships between accounts through common devices, geolocations, or suspicious pattern flows. 

• Early-Warning Alerts: Builds customer-level profiles across loans, payments, and core banking data — detecting anomalies prior to funds moving. 

This integrated intelligence assists FIs in responding to regional AML/CFT priorities while maintaining their platforms clean and trusted. 

4. Enhancing Operational Risk & Governance 

The NBC's Technology Risk Management Guidelines require effective internal controls, risk assessments, and clear audit trails. Drona Pay enables these requirements through its Case Management & Audit Framework.

• Integrated Case Management: Follows through on each alert from detection to closure — providing complete visibility and accountability. 

• Regulatory & Operational Analytics: Provides clear reporting to enable compliance teams to prove effectiveness of control to auditors and regulators.

 It's not only compliance — it's about establishing trust throughout your customers, teams, and the NBC itself. 

The Road Ahead 

Cambodia’s digital economy is one of the most exciting in Southeast Asia — a true model of inclusive innovation. As digital payments continue to grow, building trust and resilience will be just as important as building scale. At Drona Pay, we’re proud to help financial institutions in Cambodia secure their digital future — one transaction at a time.