AI-Powered Payments Automation: Driving Faster Cashflow and Compliance
Introduction
A leading fintech innovator sought to introduce a new market proposition: an AI-powered payments platform built from the ground up to meet modern financial and regulatory demands. They engaged us to design, build, and launch the platform end-to-end. Operating in a highly regulated space, their vision was to unlock real-time cashflow benefits for clients while ensuring embedded compliance at every transaction point.
The Challenge
What business problem were they facing?
- Designing a new category of payments solution in a crowded and regulated space
- Manual accounts payable processes causing delays and cost inefficiencies
- Difficulty scaling compliance checks across high transaction volumes
- Limited visibility into cashflow optimisation opportunities for clients
- High dependency on traditional working capital and external finance
Our Solution
We worked closely with internal product, legal, and finance stakeholders to:
- Architect a modern, AI-native payment orchestration engine from scratch
- Automate invoice data extraction, approvals, and payment scheduling
- Embed dynamic early-payment incentives powered by machine learning
- Integrate KYC, AML/CFT, and auditability into the transaction workflow
- Design and deliver a market-ready SaaS product with phased go-to-market support
The Outcomes
- End-to-end payment processing time reduced by over 70%
- Early supplier payment cycle improved by up to 55 days
- Compliance checks automated at 100% of transaction volume
- Improved capital efficiency for clients, reducing reliance on debt finance
- Created a future-ready, AI-native platform ready for scale and API ecosystem growth
Why It Matters
This project exemplifies a new era of financial services where intelligent automation drives both operational performance and regulatory confidence. By embedding AI into the heart of payments, this solution helps organisations accelerate cashflow, reduce risk, and deliver measurable value without adding human overhead. As more firms look to move beyond legacy infrastructure, the success of this project sets a benchmark for what’s possible with next-generation finance platforms.
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