diff --git a/.env.docker b/.env.docker
index ea8375c..7cee720 100644
--- a/.env.docker
+++ b/.env.docker
@@ -64,5 +64,8 @@ DB_PASSWORD_7=root
 TENNANT_MASTER_DB=master_erahn
 TENNANT_KAUNTER_DB=kaunter_erahn
 
+KAUNTER_URL=http://host.docker.internal:8081
+INTERNAL_NOTIFICATION_SECRET=erahn-local-notification-secret
+
 CACHE_DRIVER=file
 QUEUE_CONNECTION=sync
\ No newline at end of file
diff --git a/.env.example b/.env.example
index 2013ec2..8a444f0 100644
--- a/.env.example
+++ b/.env.example
@@ -262,3 +262,7 @@ ONEWAYSMS_AUTH_PASS=APIUK330HDAFOUK330
 
 ADMIN_PHONE_NUMBER=60193450165
 ACTIVE_JOB_SERVER=false
+
+# Kaunter inbox (PC modal request → operasi bell). Same secret as kaunter INTERNAL_NOTIFICATION_SECRET.
+KAUNTER_URL=http://host.docker.internal:8081
+INTERNAL_NOTIFICATION_SECRET=
diff --git a/app/Services/PembiayaanOnline/ModalOnlineService.php b/app/Services/PembiayaanOnline/ModalOnlineService.php
index 6579b6d..b27a230 100644
--- a/app/Services/PembiayaanOnline/ModalOnlineService.php
+++ b/app/Services/PembiayaanOnline/ModalOnlineService.php
@@ -6,6 +6,7 @@ use App\Cawangan;
 use App\Feature;
 use App\ModalOnline;
 use App\RequestModalOnline;
+use App\Services\StaffNotificationClient;
 use Carbon\Carbon;
 use Illuminate\Support\Facades\DB;
 use Illuminate\Support\Facades\Log;
@@ -362,6 +363,8 @@ class ModalOnlineService
             'nota' => $nota,
         ]);
 
+        $this->notifyOperasiModalRequest($kodcaw, $request, $jenis);
+
         return [
             'ok' => true,
             'status' => 201,
@@ -373,6 +376,54 @@ class ModalOnlineService
         ];
     }
 
+    /**
+     * Inbox for all operasi staff. Failures must not block the request.
+     *
+     * @param  string  $kodcaw
+     * @param  \App\RequestModalOnline  $request
+     * @param  string  $jenis
+     * @return void
+     */
+    protected function notifyOperasiModalRequest($kodcaw, $request, $jenis)
+    {
+        try {
+            app(StaffNotificationClient::class)->notify([
+                'type' => 'modal_online.pending_operasi',
+                'cawangan' => $kodcaw,
+                'audience' => ['role' => 'operasi'],
+                'data' => [
+                    'request_id' => $request->id,
+                    'amaun' => (float) $request->amaun,
+                    'dimohon_oleh' => $request->dimohon_oleh,
+                    'jenis' => $jenis,
+                    'nota' => $request->nota,
+                    'cawangan_nama' => $this->cawanganNama($kodcaw),
+                ],
+            ]);
+        } catch (\Throwable $e) {
+            Log::warning('Operasi modal-online notification failed: '.$e->getMessage(), [
+                'kodcaw' => $kodcaw,
+                'request_id' => $request->id,
+            ]);
+        }
+    }
+
+    /**
+     * @param  string  $kodcaw
+     * @return string
+     */
+    protected function cawanganNama($kodcaw)
+    {
+        $cawangan = Cawangan::on('mysql7')->where('kodcaw', '=', $kodcaw)->first();
+        if (!$cawangan) {
+            return $kodcaw;
+        }
+
+        $nama = trim((string) $cawangan->nama_cawangan);
+
+        return $nama !== '' ? $nama : $kodcaw;
+    }
+
     /**
      * List top-up requests.
      * For PC: pass kodcaw. For Operasi: omit kodcaw (all branches).
diff --git a/app/Services/PembiayaanOnline/PembiayaanOnlineService.php b/app/Services/PembiayaanOnline/PembiayaanOnlineService.php
index c8ed689..c760288 100644
--- a/app/Services/PembiayaanOnline/PembiayaanOnlineService.php
+++ b/app/Services/PembiayaanOnline/PembiayaanOnlineService.php
@@ -11,6 +11,7 @@ use App\Feature;
 use App\Gadai;
 use App\Jobs\WhatsappPembiayaanOnlinePaid;
 use App\PembiayaanOnline;
+use App\Services\StaffNotificationClient;
 use App\Services\Whatsapp\WhatsappCloudClient;
 use Carbon\Carbon;
 use Illuminate\Support\Facades\DB;
@@ -749,7 +750,7 @@ class PembiayaanOnlineService
         $tarikh = $now->toDateString();
 
         try {
-            return DB::connection($mysql)->transaction(function () use (
+            $result = DB::connection($mysql)->transaction(function () use (
                 $mysql,
                 $kodcaw,
                 $ids,
@@ -857,6 +858,127 @@ class PembiayaanOnlineService
                 'payload' => ['message' => 'Gagal hantar batch pembiayaan online'],
             ];
         }
+
+        if (!empty($result['ok'])) {
+            $this->notifyOperasiBatchSubmitted($kodcaw, $ids, $pcBy, $result['payload']);
+        }
+
+        return $result;
+    }
+
+    /**
+     * Inbox for all operasi staff after PC submit. Failures must not block the batch.
+     *
+     * @param  string  $kodcaw
+     * @param  array  $ids
+     * @param  string  $pcBy
+     * @param  array  $payload
+     * @return void
+     */
+    protected function notifyOperasiBatchSubmitted($kodcaw, array $ids, $pcBy, array $payload)
+    {
+        $batch = isset($payload['batch']) ? $payload['batch'] : null;
+        if (!$batch) {
+            return;
+        }
+
+        $batchId = is_array($batch) ? ($batch['id'] ?? null) : $batch->id;
+        $batchNo = is_array($batch) ? ($batch['batch_no'] ?? '') : $batch->batch_no;
+        $slot = is_array($batch) ? ($batch['slot'] ?? '') : $batch->slot;
+        $bilangan = is_array($batch) ? ($batch['bilangan'] ?? 0) : $batch->bilangan;
+        $jumlah = is_array($batch) ? ($batch['jumlah_keseluruhan'] ?? 0) : $batch->jumlah_keseluruhan;
+
+        if (!$batchId) {
+            return;
+        }
+
+        try {
+            app(StaffNotificationClient::class)->notify([
+                'type' => 'pembiayaan_online.batch_operasi',
+                'cawangan' => $kodcaw,
+                'audience' => ['role' => 'operasi'],
+                'data' => [
+                    'batch_id' => $batchId,
+                    'batch_no' => $batchNo,
+                    'slot' => $slot,
+                    'appended' => !empty($payload['appended']),
+                    'submitted_count' => count($ids),
+                    'bilangan' => $bilangan,
+                    'jumlah_keseluruhan' => (float) $jumlah,
+                    'pc_submitted_by' => $pcBy,
+                    'cawangan_nama' => $this->cawanganNama($kodcaw),
+                ],
+            ]);
+        } catch (\Throwable $e) {
+            Log::warning('Operasi batch notification failed: '.$e->getMessage(), [
+                'kodcaw' => $kodcaw,
+                'batch_id' => $batchId,
+            ]);
+        }
+    }
+
+    /**
+     * @param  string  $kodcaw
+     * @return string
+     */
+    protected function cawanganNama($kodcaw)
+    {
+        $cawangan = Cawangan::on('mysql7')->where('kodcaw', '=', $kodcaw)->first();
+        if (!$cawangan) {
+            return $kodcaw;
+        }
+
+        $nama = trim((string) $cawangan->nama_cawangan);
+
+        return $nama !== '' ? $nama : $kodcaw;
+    }
+
+    /**
+     * Inbox for PC at this branch. Failures must not block the operasi action.
+     *
+     * @param  string  $kodcaw
+     * @param  string  $type
+     * @param  array  $data
+     * @return void
+     */
+    protected function notifyPcPembiayaanOnline($kodcaw, $type, array $data)
+    {
+        try {
+            app(StaffNotificationClient::class)->notify([
+                'type' => $type,
+                'cawangan' => $kodcaw,
+                'audience' => ['role' => 'pc'],
+                'data' => array_merge($data, [
+                    'cawangan_nama' => $this->cawanganNama($kodcaw),
+                ]),
+            ]);
+        } catch (\Throwable $e) {
+            Log::warning('PC pembiayaan-online notification failed: '.$e->getMessage(), [
+                'kodcaw' => $kodcaw,
+                'type' => $type,
+            ]);
+        }
+    }
+
+    /**
+     * @param  mixed  $line
+     * @return array
+     */
+    protected function lineNotifyFields($line)
+    {
+        if (!$line) {
+            return [];
+        }
+
+        $isArr = is_array($line);
+
+        return [
+            'norujukan' => $isArr ? ($line['norujukan'] ?? '') : $line->norujukan,
+            'nama_pelanggan' => $isArr ? ($line['nama_pelanggan'] ?? '') : $line->nama_pelanggan,
+            'pinjaman' => $isArr ? ($line['pinjaman'] ?? 0) : $line->pinjaman,
+            'ops_by' => $isArr ? ($line['ops_by'] ?? '') : $line->ops_by,
+            'reject_reason' => $isArr ? ($line['reject_reason'] ?? '') : $line->reject_reason,
+        ];
     }
 
     /**
@@ -1031,7 +1153,7 @@ class PembiayaanOnlineService
         $now = Carbon::now();
 
         try {
-            return DB::connection($mysql)->transaction(function () use ($mysql, $kodcaw, $id, $opsBy, $reason, $now) {
+            $result = DB::connection($mysql)->transaction(function () use ($mysql, $kodcaw, $id, $opsBy, $reason, $now) {
                 $line = PembiayaanOnline::on($mysql)
                     ->where('kodcaw', $kodcaw)
                     ->where('id', $id)
@@ -1102,6 +1224,18 @@ class PembiayaanOnlineService
                 'payload' => ['message' => 'Gagal tolak pembiayaan online'],
             ];
         }
+
+        if (!empty($result['ok'])) {
+            $this->notifyPcPembiayaanOnline($kodcaw, 'pembiayaan_online.rejected_pc', array_merge(
+                $this->lineNotifyFields(isset($result['payload']['pembiayaan_online']) ? $result['payload']['pembiayaan_online'] : null),
+                [
+                    'ops_by' => $opsBy,
+                    'reject_reason' => $reason,
+                ]
+            ));
+        }
+
+        return $result;
     }
 
     /**
@@ -1222,7 +1356,7 @@ class PembiayaanOnlineService
         }
 
         try {
-            return DB::connection($mysql)->transaction(function () use (
+            $result = DB::connection($mysql)->transaction(function () use (
                 $mysql,
                 $kodcaw,
                 $id,
@@ -1321,6 +1455,18 @@ class PembiayaanOnlineService
                 'payload' => ['message' => 'Gagal tanda PAID / muat naik bukti'],
             ];
         }
+
+        if (!empty($result['ok'])) {
+            $this->notifyPcPembiayaanOnline($kodcaw, 'pembiayaan_online.paid_pc', array_merge(
+                $this->lineNotifyFields(isset($result['payload']['pembiayaan_online']) ? $result['payload']['pembiayaan_online'] : null),
+                [
+                    'paid_count' => 1,
+                    'ops_by' => $opsBy,
+                ]
+            ));
+        }
+
+        return $result;
     }
 
     /**
@@ -1366,7 +1512,7 @@ class PembiayaanOnlineService
         }
 
         try {
-            return DB::connection($mysql)->transaction(function () use (
+            $result = DB::connection($mysql)->transaction(function () use (
                 $mysql,
                 $kodcaw,
                 $batchId,
@@ -1458,6 +1604,19 @@ class PembiayaanOnlineService
                 'payload' => ['message' => 'Gagal tanda PAID batch'],
             ];
         }
+
+        if (!empty($result['ok'])) {
+            $batch = isset($result['payload']['batch']) ? $result['payload']['batch'] : null;
+            $this->notifyPcPembiayaanOnline($kodcaw, 'pembiayaan_online.paid_pc', [
+                'paid_count' => isset($result['payload']['dibayar']) ? (int) $result['payload']['dibayar'] : 0,
+                'batch_id' => $batch ? (is_array($batch) ? ($batch['id'] ?? null) : $batch->id) : $batchId,
+                'batch_no' => $batch ? (is_array($batch) ? ($batch['batch_no'] ?? '') : $batch->batch_no) : '',
+                'jumlah_keseluruhan' => $batch ? (is_array($batch) ? ($batch['jumlah_keseluruhan'] ?? 0) : $batch->jumlah_keseluruhan) : 0,
+                'ops_by' => $opsBy,
+            ]);
+        }
+
+        return $result;
     }
 
     /**
diff --git a/app/Services/StaffNotificationClient.php b/app/Services/StaffNotificationClient.php
new file mode 100644
index 0000000..6977808
--- /dev/null
+++ b/app/Services/StaffNotificationClient.php
@@ -0,0 +1,53 @@
+<?php
+
+namespace App\Services;
+
+use Illuminate\Support\Facades\Http;
+use Illuminate\Support\Facades\Log;
+
+class StaffNotificationClient
+{
+    /**
+     * Ask kaunter to persist a staff inbox row. Never throws.
+     *
+     * @param  array  $payload
+     * @return void
+     */
+    public function notify(array $payload)
+    {
+        $base = rtrim((string) config('kaunter.url'), '/');
+        $secret = (string) config('kaunter.notification_secret');
+
+        if ($base === '' || $secret === '') {
+            Log::info('Staff notification skipped: KAUNTER_URL or INTERNAL_NOTIFICATION_SECRET is empty');
+            return;
+        }
+
+        $timeout = (int) config('kaunter.notification_timeout', 3);
+        if ($timeout < 1) {
+            $timeout = 3;
+        }
+
+        try {
+            $response = Http::timeout($timeout)
+                ->withHeaders([
+                    'X-Internal-Token' => $secret,
+                    'Accept' => 'application/json',
+                ])
+                ->asJson()
+                ->post($base . '/internal/notifications', $payload);
+
+            if (!$response->successful()) {
+                Log::warning('Staff notification to kaunter failed', [
+                    'status' => $response->status(),
+                    'body' => $response->body(),
+                    'type' => isset($payload['type']) ? $payload['type'] : null,
+                ]);
+            }
+        } catch (\Throwable $e) {
+            Log::warning('Staff notification to kaunter errored: '.$e->getMessage(), [
+                'type' => isset($payload['type']) ? $payload['type'] : null,
+            ]);
+        }
+    }
+}
diff --git a/bootstrap/app.php b/bootstrap/app.php
index b487d31..6b99bbe 100644
--- a/bootstrap/app.php
+++ b/bootstrap/app.php
@@ -94,6 +94,7 @@ $app->configure('report');
 $app->configure('app_parameter');
 $app->configure('parameter');
 $app->configure('whatsapp');
+$app->configure('kaunter');
 /*
 |--------------------------------------------------------------------------
 | Register Middleware
diff --git a/config/kaunter.php b/config/kaunter.php
new file mode 100644
index 0000000..5ba78cc
--- /dev/null
+++ b/config/kaunter.php
@@ -0,0 +1,7 @@
+<?php
+
+return [
+    'url' => env('KAUNTER_URL', ''),
+    'notification_secret' => env('INTERNAL_NOTIFICATION_SECRET', ''),
+    'notification_timeout' => (int) env('KAUNTER_NOTIFICATION_TIMEOUT', 3),
+];