Payment Volume
£2.4B
Monthly processed
Fraud Detection
99.2%
AI real-time
User Activation Rate
87%
↑28pts AI onboarding
Regulatory Compliance
100%
FCA · PSD2 · EMD2
🤖 Agent Status
Real-time across all capabilities
Payments Intelligence AI£2.4B · fraud 99.2% detection
User Intelligence AI847K users · activation +28pts
Risk & Compliance AIFCA · PSD2 · EMD2 · AML
Revenue Intelligence AIInterchange · monetisation · LTV
Open Banking AIAccount aggregation · enrichment
Credit Intelligence AIAlternative credit · thin-file scoring
📡 Live Intelligence Feed
Real-time AI activity
Why FintechOS
💸 Payments: Fraud Costs 0.1% of Volume
At £2.4B monthly volume, fraud running at industry average of 0.1% costs £2.4M/month. AI real-time fraud detection achieving 99.2% accuracy reduces this to £192K — a £2.2M monthly improvement.
👤 Activation: 60% of Sign-Ups Never Transact
Fintech user acquisition is expensive (£15-80 CAC) but 60% of new users never complete onboarding or make a first transaction. AI activation intelligence personalises the onboarding journey, identifies drop-off points, and drives first-transaction behaviour.
📋 Compliance: PSD2 and AML Are Continuous
FCA, PSD2, EMD2, and AML obligations require continuous compliance monitoring — not quarterly reviews. AI compliance intelligence monitors every transaction, every customer, and every process against current regulatory requirements.
All AI Agents
💳
Payments Intelligence AI
Real-time fraud detection, transaction enrichment, payment routing optimisation, disputes.
All payments
ReAct + Rules👤
User Intelligence AI
Onboarding optimisation, activation prediction, churn prevention, LTV maximisation.
847K users
ReAct + ML📋
Risk & Compliance AI
FCA compliance, PSD2 SCA, EMD2, AML, KYC/KYB, sanctions screening.
All activity
Sequential + Rules💰
Revenue Intelligence AI
Interchange optimisation, premium conversion, pricing strategy, unit economics.
All revenue
ReAct + Pricing🔗
Open Banking AI
Account aggregation, transaction categorisation, financial health scoring, affordability.
All accounts
ReAct + API💡
Credit Intelligence AI
Alternative credit scoring, thin-file assessment, credit limit optimisation, risk-based pricing.
All credit
Reflection + ML📊
Product Intelligence AI
Feature adoption, funnel analytics, A/B testing intelligence, roadmap prioritisation.
All products
ReAct + Analytics📡 Live Agent Trace
All decisions logged
🛡 AI Governance
Advisory intelligence — humans decide
No autonomous consequential actions: All significant decisions require human approval. AI recommends — authorised professionals decide.
Full audit trail: Every AI output logged with source data, reasoning, and confidence. Explainable to regulators and auditors.
Continuous evaluation: RAGAS faithfulness >0.92 required. Quality degradation detected within 24 hours. Human override always available.