Solutions
Payments Infrastructure
AI in payments, real-time rails, ISO 20022 migration, payment orchestration and fraud detection infrastructure: advice on the technical and operational layer of a modern payments business.
← All SolutionsAI in Payments: Fraud, Credit and Operations
Payment firms are replacing rules-based fraud and credit systems with models that weigh transaction context, behavioural signals and external data together. We advise on AI system selection, vendor assessment and model validation, and on compliance with the EU AI Act. Obligations for high-risk systems such as credit scoring now apply from 2 December 2027, after the EU's AI Omnibus deferred the original August 2026 date.
Payment Orchestration and Routing
Orchestration sits between a merchant's checkout and its acquiring relationships and sends each transaction to the most suitable processor based on cost, approval rate, geography and scheme rules. More merchants now split their volume across two or more payment providers. We advise on orchestration platform selection, least-cost routing for dual-network debit, failover design and network tokenisation across several acquirers.
Real-Time Payments and Instant Rail Connectivity
Instant payment systems now run in most major markets, each with its own technical rules, liquidity requirements and fraud profile. In the GCC they include SARIE in Saudi Arabia, Aani in the UAE and Fawran in Qatar. We advise on connecting to GCC and European instant rails, the compliance obligations that come with them, intraday liquidity and fraud controls for payments that cannot be reversed.
ISO 20022 and SWIFT Migration
ISO 20022 is the standard for high-value and cross-border payment messages, and the SWIFT coexistence period for cross-border payment instructions ended in November 2025. We support payment institutions with scoping, vendor selection, integration assessment and programme delivery, including managing implementation partners through the transition.
Discuss your requirements
Speak directly with a specialist in any of these areas.