Wibmo Launches Agentic Risk Intelligence Assistant – AI Assistant for Financial Crime Operations
PT Wibmo Services Indonesia, Wibmo’s entity in Indonesia and a leading provider of payment security solutions, today shared information about the Wibmo Agentic Risk Intelligence Assistant (ARIA), an AI-powered platform introduced by Wibmo at its flagship industry event, “Securing Digital Payments: Innovation, Intelligence & Trust,” held in Mumbai, India. ARIA is designed to support risk teams at banks and payment service providers (PSPs) by combining AI-driven analysis with human decision-making and accountability. This solution is particularly relevant now as digital payment fraud challenges become increasingly complex. As the payments ecosystem continues to grow, financial institutions are focused on improving risk operational efficiency while maintaining robust governance and oversight.
Initial modelling shows that ARIA can reduce investigation time by more than 70% through agents working in real-time, enabling teams to handle a significantly higher number of cases per FTE (full-time equivalent) each day. ARIA targets a recommendation accuracy rate approaching 90%, designed to improve quality metrics across risk operations teams.
ARIA represents a fundamental shift in how financial institutions manage risk operations by deploying specialised AI agents that support data aggregation, analysis, and the drafting of initial recommendations, while preserving human decision-making authority and governance controls at every critical stage. ARIA combines investigation capabilities, decision support, and operational action execution within a single platform. The platform gathers signals from transactions, risk models, customer and merchant histories, interlinked transactions, and historical fraud patterns to automate the data aggregation process that typically consumes significant analyst time and capacity. By leveraging frontier AI models, ARIA generates evidence-backed conclusions, identifies emerging patterns through multi-signal reasoning, and provides transparent, auditable recommendations. The platform also supports SOP-based case resolution, communication with customers and merchants, reduction of false alerts, and proactive defence mechanisms against emerging anomalies.
Shailesh Paul, CEO of Wibmo, said, “As fraud becomes more sophisticated and regulatory expectations continue to evolve, risk operations teams must manage increasing complexity with limited resources. ARIA is designed to help institutions scale intelligently by combining the speed and analytical capabilities of AI with the judgement, oversight, and accountability of human experts. While AI agents assist in data analysis and providing recommendations, every critical decision remains fully under human control.”
Unlike fully autonomous AI systems, Wibmo’s Agentic Risk Intelligence Assistant is built with a governance-first architecture and is purpose-built for enterprise-scale financial institutions. Every recommendation passes through existing approval mechanisms with no autonomous operational actions executed, while all analysis is supported by transparent reasoning flows and comprehensive audit trails. The platform unifies specialised agents for fraud handling, AML (Anti-Money Laundering), KYC (Know Your Customer), and disputes within a single integrated framework, equipped with replayable audits and complete operational provenance for every agent action.
The launch event brought together over 50 senior leaders from banks, fintech companies, payment networks, and technology organisations to discuss the evolving challenges in digital payment security and the future of AI-enabled fraud prevention. Speakers from PayU, NPCI Bharat Billpay, Visa, Mastercard, Flipkart, CSB Bank, Jio Payment Solutions, and Network International participated in discussions on managing fraud risk in payment acquiring businesses, authentication technologies, and risk-based decision-making.
About Wibmo
Wibmo, a wholly owned subsidiary of PayU headquartered in Cupertino, USA, is a global leader in full-stack PayTech with over two decades of experience in Payment Security and Digital Payments. Operating in India, Southeast Asia, and the Middle East and Africa, Wibmo supports critical payment infrastructure for over 200 banks, financial institutions, merchants, and fintech companies worldwide. As a demonstration of its commitment to Indonesia, Wibmo has established a local entity, PT Wibmo Services Indonesia, and deployed a local AWS cloud instance to meet data sovereignty and domestic data storage requirements. Wibmo’s comprehensive suite of solutions includes Fraud and Risk Management, Tokenization, Payment Security, Multi-factor Authentication, Merchant Processing, Card Issuance, and Digital Banking Front-End solutions. As a trusted partner for banks and fintech companies globally, Wibmo secures over 4 billion transactions annually.