Industry solutions · Fintech

Fintech AI: risk, compliance, and customer lifecycle — engineered.

AI-powered risk decisioning, KYC automation, fraud detection, loan origination, and collections analytics — built for licensed lenders, banks, and digital payment platforms. Compliance-ready from day one.

axc-fintech · decision-engine
LOAN-ORIGINATION · TIER A
SME working-capital loan
applicant · a.lee · SG · sole-proprietor · 34mo
amount · $12,500 SGD
SIGNALS
credit bureau724 · good
bank statements6mo · pulled
id verification0.97 conf
aml screenclear
affordabilityDSR 0.31
RISK MODELscore 0.81APPROVE
Tier A · 11.2% APR
strong bureau + stable cash flow + low DSR

What we build for fintech

Compliance-ready systems across the customer lifecycle.

Every solution is a production system — not a proof-of-concept. Models, pipelines, agents, and reporting wired to your core stack, with compliance documentation baked in. New categories added as the work scales.

Lender Risk Assessment

Real-time scoring at application time — bureau data, bank statements, and behavioural signals pulled in parallel. Decision and reasoning trail in under 3 seconds.

  • Multi-bureau integration (CBS, Experian, TransUnion)
  • Bank-statement parsing and cash-flow modelling
  • Explainable scoring with full reasoning trail
  • Ongoing drift monitoring and model retraining
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KYC + KYB Automation

Identity verification, document extraction, PEP and sanctions screening. Straight-through for low-risk cases; edge cases routed to human review with full context.

  • MyInfo, Singpass, and equivalent SEA identity rails
  • Document OCR + liveness checks
  • PEP, sanctions, and adverse-media screening
  • UBO discovery and KYB for corporate onboarding
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Fraud Detection

Transaction monitoring with anomaly detection on device, geography, velocity, and network. Sub-second fraud catches; lower false-positives than rules-only systems.

  • Account takeover + device-binding signals
  • Velocity and network graph analytics
  • Adaptive thresholds, not static rules
  • Analyst dashboard with case-management queue
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Loan Origination

End-to-end application flows — document ingestion, affordability assessment, e-sign, and disbursement orchestration. Everything from form submit to money in the account.

  • Digital application forms with smart validation
  • Automated affordability and DSR checks
  • E-sign integration (Adobe Sign, Dropbox Sign)
  • Disbursement workflow into core banking
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Debt Collection Analytics

Segmentation models, best-channel predictions, and repayment-probability scoring. Collectors prioritise who to call first — not alphabetical run-throughs.

  • Repayment-probability models per customer
  • Channel-preference prediction (call / SMS / email)
  • Contact-cadence optimisation
  • Recovery reporting and agent productivity tracking
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How we engage with fintechs

Compliance-first. Production-ready. Revenue-tied.

A live example: an AI-powered debt-collections pipeline — from portfolio segmentation through collector handoff, with compliance checks and live metrics at every step.

axc-fintech · collections-pipeline · run_0841 · phase 01/05
PHASE 01Portfolio segmentation
Grouping overdue accounts by how likely each one is to repay — so effort goes to the right cohorts first.
$ axc collect.segment --portfolio q1-delinquent
ingesting 14,220 delinquent accounts
clustered into 8 cohorts · DPD × balance × profile
scoring repayment probability (xgboost v3.2)
6,412 high · 5,108 medium · 2,700 low
·segmentation complete · handing to channel model
claude + xgboost · MAS-compliant · live run
LIVE METRICS
Accounts
14,220
Cohorts
8
Avg repay prob
0.58
Model version
v3.2
PORTFOLIO SNAPSHOT
14,220 accounts · SGD 42.8M exposure · 90d horizon
01
Decision-chain diagnosis
We map your existing decisioning chain, compliance gaps, and data sources — bureau feeds, core banking, document stores, analytics.
02
Model + pipeline build
ML models, rule layers, and agent workflows built in parallel. Explainability, drift monitoring, and audit trails baked in from day one.
03
Compliance review
Your risk and compliance teams sign off before any model touches production. MAS / Bank Negara / OJK-aligned documentation included.
04
Operate + re-train
Continuous monitoring, drift alerts, and scheduled re-training. InsightAX ties every decision back to portfolio performance.

Why Axccelerate for fintech

Compliance-ready,
from the first commit.

Fintech models that can't be explained, audited, or monitored aren't fit for production. We build for regulators as much as for end-users.

Feature
Axccelerate
Typical agency
In-house
Explainable models (decision + reasoning trail)
Varies
Multi-bureau + core-banking integrations
Varies
Real-time decisioning (< 3 seconds)
Varies
Drift monitoring + scheduled re-training
Varies
Full audit trail per decision (regulator-ready)
Varies
MAS / Bank Negara / OJK-aligned documentation
Varies
Bank-grade security + VPC isolation
Varies
Continuous model monitoring via InsightAX
No vendor lock-in
Varies

Pricing

One model or a full stack —
priced to the deployment.

Every fintech deployment is custom — we scope against your decisioning flow, compliance requirements, and core integrations before quoting.

Launch
Enquirefor pricing
One decisioning workflow

A single production model — loan scoring, KYC, or fraud detection. Fully integrated into your stack, with drift monitoring and compliance documentation.

1 production model or workflow
Bureau + core banking integration
Explainability + audit trail
Monthly drift monitoring
InsightAX reporting access
Enquire for pricing
Most popular
Scale
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Full risk + KYC + fraud stack

The full decisioning stack — lending, onboarding, fraud, and collections — working as one system. Built for licensed lenders and challenger banks ready to scale originations.

Up to 4 production models
Full orchestration + agent layer
Straight-through + analyst queues
Bi-weekly model reviews
MAS / Bank Negara documentation
Enquire for pricing
Fleet
Enquirefor pricing
Full fintech platform

End-to-end fintech platform engineering. Custom decisioning, full product build-out, dedicated engineers, and 24/7 monitoring. For regulated institutions running at scale.

Unlimited models + workflows
Dedicated engineering team
Custom platform development
24/7 monitoring + on-call
Regional deployment (SG, MY, ID, TH)
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No vendor lock-in · engineers on every scoping call. Request a custom quote →

FAQ

Common questions.

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MAS / Bank Negara / OJK aligned

Your decisioning chain, engineered.

30-minute scoping call with a senior engineer and an ex-fintech operator. You'll leave with a model plan, integration sketch, and realistic timeline — not a sales pitch.