SPARK INTELLIGENCE SUITE

  • Data-Driven Strategic Decisioning

    Faster executive decision-making with full control and transparency

  • Payment-Native, Not Generic BI

    Insights are built on payment-specific signals, correlations, and KPIs across issuing, acquiring, settlement, and fraud not generic data visualization layers.

  • Responsible AI for Regulated Environments

    Designed in line with EU AI Act principles, SPARK Intelligence ensures explainability, human oversight, and full auditability for AI-driven decisions in high-risk payment use cases.

Banks and payment institutions operate with dispersed reporting tools, limited BI and AI capabilities, and disconnected data across issuing, acquiring, fraud, and settlement slowing decision-making, reducing revenue intelligence, and increasing operational and compliance risk in real-time payment environments.

  • Real-time intelligence for controlled payment execution

    SPARK Intelligence Suite combines Business Intelligence and AI capabilities across the full payment lifecycle, delivering Combines Business Intelligence and AI capabilities across the full payment lifecycle

  • Built for Responsible AI

    The SPARK Intelligence Suite enables compliant AI adoption in regulated payment environments by ensuring explainable, transparent decision-making with human oversight for sensitive actions. Every AI-driven recommendation is fully auditable, with complete traceability across data inputs, models, decisions, and outcomes, while controlled AI autonomy is governed by clearly defined risk and compliance policies.

BI analytics, insights & decision orchestration across the payment journey

  • Unified operational visibility

    Gain a single, reliable view across issuing, acquiring, fraud, and settlement without fragmented reporting.

  • Faster, controlled decision-making

    Support real-time operational decisions with explainable AI and human-in-the-loop governance.

  • Improved acceptance and resilience

    Identify performance degradation, routing inefficiencies, and settlement risks early.

Issuing : Workflow Intelligence

Turning Payment Data into Strategic Issuer Advantage

SPARK Intelligence Suite provides issuers with a unified intelligence layer that connects transaction activity, financial settlement, portfolio performance, and operational events into a single, trusted environment.

The module provides:

  • Financial Control & Revenue Assurance: Automated reconciliation and full visibility of fees, FX, and settlements to protect revenue and ensure audit readiness.
  • Portfolio Performance Optimization: Lifecycle insights to improve activation, reduce churn, and refine product strategy.

Clearing & Settlement Intelligence

AI-Powered Revenue Protection & Settlement Control Engine

An AI-powered control layer designed to automate reconciliation, detect settlement discrepancies in real time, and protect issuer revenue across the clearing lifecycle.

  • AI-Driven Reconciliation & Transaction Matching : Automates matching of authorization and settlement data with intelligent pattern recognition to eliminate manual intervention.
  • Proactive Settlement Break Detection : Identifies discrepancies and anomalies in real time before they escalate into financial exposure.

Fraud Management Intelligence

Real-time behavioral fraud detection combined with adaptive post-transaction analysis

Fraud Management Intelligence module provides issuers with a unified fraud detection and risk intelligence layer that connects transaction behavior, customer patterns, device signals, and operational alerts into a single, trusted decision environment.

  • Reduced Fraud Losses & Financial Exposure: Detects and prevents fraudulent activity in real time to protect revenue and customer trust.
  • Optimized Approval Rates : Balances risk detection with intelligent decisioning to minimize false positives and protect customer experience.

PAYMENT-NATIVE OPERATIONAL INTELLIGENCE

Unified Payment Operations Intelligence Platform

Beyond Agentic AI, SPARK Intelligence provides:

  • Real-time visibility across the full payment lifecycle
  • Correlation of data across issuing, acquiring, fraud, and settlement
  • Payment-specific performance, risk, and efficiency indicators
  • Insights directly linked to operational ownership and action paths
Let's tranform your payment data into real-time, AI-driven decisions