Onboarding, AML, credit decisions and reconciliation: agents where speed and compliance are needed at once.
Payment institutions, e-money companies and BNPL providers face bank-grade supervision at start-up growth speed. Aginies runs merchant onboarding, transaction-monitoring alerts, instant credit decisions and PSP reconciliation exceptions on one orchestration layer; regulatory filings and above-limit decisions stay with people.
In Fintech & Payments, Aginies offers 5 live agent scenarios and 3 solution packages: Merchant operations assistant: POS, settlement, refund and limit, Merchant KYB onboarding, AML transaction monitoring alert triage, BNPL instant instalment decision, Payment reconciliation exceptions, Chargeback dispute handling, Card fraud alert triage; solutions: Conversational banking, Financial analysis & operational intelligence, Merchant and payment operations. The blockers on the way to production are Onboarding bottleneck, Alert fatigue, Second-level credit decisions, Reconciliation exceptions; on the compliance side 4 requirements (including AML/CFT and privacy requirements; suspicious-activity filings always by analyst decision) are part of the deployment.
Onboarding bottleneck
KYB, UBO and sanctions checks take days; the merchant goes to a competitor.
Alert fatigue
95% of transaction-monitoring hits are false positives; analysts miss real risk.
Second-level credit decisions
The decision is needed at checkout; bureau and open-banking data must merge in one flow.
Reconciliation exceptions
Differences between PSP statements and the ledger are closed by hand at month end.
Three starting points; each measurable in a short pilot on existing systems.
- 01agent scenarioMerchant operations assistant: POS, settlement, refund and limit →
The merchant desk is the busiest channel; a WhatsApp pilot is measurable within weeks.
- 02agent scenarioPayment reconciliation exceptions →
Exceptions waiting for month-end lock the finance team; automatic matching shows a difference in the first month.
- 03agent scenarioMerchant KYB onboarding →
KYB time is directly tied to revenue; the policy engine is set up with the risk team.
Agents you can watch live for this sector
Merchant operations assistant: POS, settlement, refund and limit
The merchant writes on WhatsApp; POS fault, settlement query, refund and limit increase are resolved in one dialogue.
Merchant KYB onboarding
Registry, UBO and sanctions checks in one flow; low-risk merchants start accepting payments the same day.
AML transaction monitoring alert triage
Alerts arrive enriched with a draft narrative; the analyst always decides and the filing goes out in minutes.
BNPL instant instalment decision
Checkout instalment decision in seconds from bureau and open-banking data; large tickets go to underwriting.
Payment reconciliation exceptions
PSP settlement files matched to the ledger; small breaks fix themselves, large ones go to finance approval.
Chargeback dispute handling
Dispute captured, evidence assembled and filed with the card scheme; large provisional credits go to approval.
Card fraud alert triage
The card is blocked in seconds and the customer asked on WhatsApp; the reply releases or cancels the card.
Derived from the 5 scenarios in the sector: supervisors, specialist agents, Hub model families and systems touched.
Summed from the simulation definitions of the sector scenarios; recalculated for your scale in the discovery session.
- AML/CFT and privacy requirements; suspicious-activity filings always by analyst decision
- Human approval for high-risk merchants and above-limit credit decisions
- Data source, model version and rationale recorded for every decision
- Data in-country; on-prem or dedicated region
- Central-bank payment and e-money IT communiqué: community cloud only with an approved provider; primary systems in-country
- AML obligations: transaction-monitoring alerts to the analyst with evidence, the reporting decision with people
- Card-scheme rules and personal-data law: chargeback deadlines tracked, card data masked and never used beyond purpose
Guardrails, approval and the evidence ledger: the compatible product Thulpar ↗
In the community cloud of a provider on the central bank’s approved list, or in the institution’s own data centre; GPU capacity in-country, models from the Hub catalogue.
Approval rulesHuman-approval thresholds of the sector scenarios.
- Merchant operations assistant: POS, settlement, refund and limitRefund > 25,000 or limit increase > 50% → risk team approval
- Merchant KYB onboardingRisk tier high or UBO fuzzy match > 0.65 → compliance manager approval
- AML transaction monitoring alert triageEvery alert → compliance analyst decision mandatory; the agent never files an STR or closes a case alone
- BNPL instant instalment decisionBasket > 15,000 or bureau score < 1,200 → underwriter approval
- Payment reconciliation exceptionsSingle break > 10,000 or total > 50,000 → finance manager approval before adjustment
| Merchant request first-contact resolution | 70% and above |
| KYB completion time | From days to hours |
| Reconciliation exception closure | 60% shorter |
Target ranges from comparable deployments; baseline and target are fixed together in the first week of the pilot.
Time to move from experimenting with AI to transforming with it.
In a 30-minute discovery session we take your 2–3 priority business problems, show a live demo of a similar scenario, and draft a roadmap that starts with the Value layer.
- Your 2–3 priority problems
- Live demo of a similar scenario
- Roadmap starting with value analysis