Live Intelligence
NewEU AI Act high-risk system obligations for payment and credit firms — August 2026 deadline·UpdatedVisa Agentic Ready global expansion to APAC and LatAm confirmed — Q3 2026 rollout·AlertPSD3 and PSR provisional political agreement reached — national transposition begins 2026·InsightECB digital euro preparatory phase complete — enabling regulation expected late 2026·RegulatorySAMA Open Banking transitions from sandbox to full licensing — first fintechs licensed April 2026·AlertCBUAE updated AML/CFT/CPF guidance for licensed financial institutions — effective April 2026·NewVisa VAMP acquirer monitoring programme — new CNP fraud and dispute thresholds from January 2026·RegulatoryFCA CASS 15 safeguarding rules for payment institutions — in effect May 2026·NewEU AI Act high-risk system obligations for payment and credit firms — August 2026 deadline·UpdatedVisa Agentic Ready global expansion to APAC and LatAm confirmed — Q3 2026 rollout·AlertPSD3 and PSR provisional political agreement reached — national transposition begins 2026·InsightECB digital euro preparatory phase complete — enabling regulation expected late 2026·RegulatorySAMA Open Banking transitions from sandbox to full licensing — first fintechs licensed April 2026·AlertCBUAE updated AML/CFT/CPF guidance for licensed financial institutions — effective April 2026·NewVisa VAMP acquirer monitoring programme — new CNP fraud and dispute thresholds from January 2026·RegulatoryFCA CASS 15 safeguarding rules for payment institutions — in effect May 2026·

Solutions

Payments Infrastructure

AI-driven payments, real-time rails, ISO 20022 migration, payment orchestration and fraud detection infrastructure. Advisory for the technical and operational layer of modern payment businesses.

← All Solutions

AI in Payments: Fraud, Credit and Operations

AI is reshaping every layer of the payments stack: from real-time fraud decision-making and credit assessment to customer authentication and dispute management. Financial institutions are moving beyond rules-based systems toward adaptive models that process transaction context, behavioural signals and external data simultaneously. We advise on AI system selection, vendor assessment, model validation frameworks, and compliance with the EU AI Act's high-risk system obligations that apply from August 2026.

Payment Orchestration and Routing

Payment orchestration sits between the merchant's commerce layer and acquiring relationships, routing each transaction to the optimal processor based on cost, authorisation rate, geography and scheme rules. The proportion of merchants routing transactions across two or more payment service providers has risen from 25% in 2022 to over 52% in 2026. We advise on orchestration platform selection, least-cost routing design for dual-network debit, failover architecture and network tokenisation across multiple acquirers.

Real-Time Payments and Instant Rail Connectivity

Real-time payment rails are operational across all major markets, each with distinct technical specifications, liquidity requirements and fraud characteristics. SARIE in Saudi Arabia recorded 42% annual volume growth in 2025; Aani in the UAE processed over 180 million transactions in its first full year. We advise on GCC and European instant rail connectivity, compliance obligations, intraday liquidity structuring and fraud controls specific to irrevocable real-time payments.

ISO 20022 and SWIFT Migration

ISO 20022 is becoming the default standard for high-value and cross-border payment messages globally. As SWIFT tightens tolerance for MT message translation, participants face escalating pressure to upgrade infrastructure. We support payment institutions through scoping, vendor selection, integration complexity assessment and programme delivery: including managing the technical and commercial challenges of transition with implementation partners.

Discuss your requirements

Speak directly with a specialist across any of these areas.

Get in touch →