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.
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.
Agents you can watch live for this sector
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.
- 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
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