Fintech infrastructure supplier cites pattern-based fraud detection and real-time routing as major drivers.
Flexifai, a fee know-how supplier specialising in high-friction markets, has accomplished the deployment of an AI-based routing engine that improves transaction approval charges throughout rising markets. The corporate experiences that an internet operator in Ghana recorded a conversion price improve from 43% to 73% inside 30 days of implementation – with out modifications to product design or checkout circulate.
The consequence was pushed by three interconnected capabilities: clever routing, which selects fee paths primarily based on reside efficiency alerts together with authorization charges and processing latency; cascading logic, which redirects transactions to different suppliers upon failure; and automatic retry mechanisms that reattempt declined transactions earlier than the session is deserted.
Ghana offered a selected infrastructure problem that formed the deployment. Cell money-based techniques available in the market lack the anti-fraud monitoring infrastructure that card-based environments usually carry. This created circumstances the place fraudulent behaviour – reminiscent of a single consumer biking by means of giant volumes of telephone numbers or e mail addresses – was tough to detect on the supplier degree.
Flexifai addressed this by constructing alert techniques keyed to particular knowledge fields with the best correlation to fraud alerts: buyer telephone numbers, buyer e mail addresses and the sequence wherein that knowledge was transmitted. The strategy enabled sample recognition at scale and produced structured experiences that allowed the operator to determine potential high-risk customers and take applicable motion.
“Ghana is a market with a rising digital financial system and genuinely unpredictable fee infrastructure,” stated Sofiia, head of gross sales at Flexifai. “Routing know-how that adapts to these circumstances in actual time isn’t a secondary function – it’s the core of what makes conversion attainable in markets like this.”
The identical strategy has since been utilized in Kenya and Zambia, the place the absence of antifraud infrastructure in cell cash ecosystems presents analogous challenges. In each instances, Flexifai deployed data-driven sample recognition to ascertain pre-emptive fraud evaluation in environments the place normal PSP tooling supplied restricted visibility.
The routing engine processes alerts, together with consumer machine kind, IP, and geo-risk indicators, time-of-day financial institution behaviour, issuing financial institution traits mapped to the BIN degree and real-time gateway load.
Flexifai presently helps greater than 80 native fee strategies throughout Africa, Europe, Latin America, Australia, Canada and New Zealand. African protection contains cell wallets reminiscent of OPay, PalmPay, MTN MoMo and Airtel, in addition to USSD rails, agent networks, prompt financial institution transfers and open banking infrastructure. The corporate maintains on-the-ground groups in Lagos and throughout Latin America.
The routing engine is reside and continues to include further knowledge alerts and suppliers because the platform expands.
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