Fintech & Digital Assets
ISO 20022 and the remittance counter: what exchange houses need to change
Cross-border payment messages have moved to ISO 20022. The richer data only helps if it is captured correctly at the counter and in the app.
AI, Risk & Compliance
Machine learning and automation for fraud, financial crime, credit and compliance teams in banks, payment companies and exchanges.
Overview
Most compliance teams we meet spend their days closing false alarms. A rules-based monitoring system flags thousands of transactions a month, and analysts clear nearly all of them by hand. Machine-learning models trained on the institution's own history can cut that volume sharply, while explaining in plain language why each remaining alert was raised.
We build fraud and AML models, credit scoring that uses alternative data for customers with thin files, and Arabic-capable assistants that help analysts and customer-service staff find answers in policies and case history. Regulatory reports and screening sit in the same platform, so the data a regulator sees matches the data the business uses.
What the service covers
| Service | What it covers | Typical components |
|---|---|---|
| Fraud detection | Real-time scoring of payments and logins using behaviour, device and network signals. | Real-time scoring, Device intelligence, Graph analytics |
| AML and transaction monitoring | Machine-learning monitoring that cuts false positives and explains every alert. | Transaction monitoring, Explainable AI, Alert triage |
| Credit decisioning | Scoring models using alternative data for consumers, SMEs and trade counterparties. | Alternative data, Credit scoring, Limit setting |
| Arabic AI assistants | Generative-AI agents for customer service, relationship managers and compliance teams, in Arabic and English. | Generative AI, Arabic NLP, Agent assist |
| Financial intelligence | Cash-flow forecasting, insights and alerts drawn from the customer's own financial data. | Forecasting, Insights, Personalisation |
| KYC, KYB and screening | Customer and business verification, sanctions, PEP and adverse-media screening. | KYC / KYB, Sanctions, PEP |
| Regulatory reporting | Automated reports and data feeds for central banks and financial intelligence units. | Regulatory returns, FIU reporting, Data lineage |
| Sandbox and licensing support | Technical documentation and controls for regulatory sandboxes and licence applications by our partners. | Regulatory sandbox, Licensing, Control testing |
How we deliver
Discovery and regulation
We map the product, the users, the licences required and the partners who hold them.
Architecture
A modular, API-first design that adds rails, currencies and assets without a rebuild.
Build and integrate
Platform engineering and connections to banks, schemes, exchanges, custodians and blockchains.
Secure and certify
Penetration testing, PCI and ISO controls, and audit evidence before launch.
Operate and grow
Monitoring, reconciliation, support and continuous improvement under service levels.
From our insights
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Fintech & Digital Assets
AI in transaction monitoring: where it helps and where it does not
Rule-based monitoring floods compliance teams with alerts that turn out to be nothing. Machine learning can cut the noise, as long as decisions stay explainable and accountable.
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Fintech & Digital Assets
PCI DSS v4: what changed for merchants and acquirers
The requirements that were "best practice" until March 2025 are now mandatory. Most of them land on payment pages, authentication and the way risk is documented.
Talk to us about AI, Risk & Compliance
Send us the details and the practice lead will reply within one business day.