Interesting news coming out of China's Ant International, a global digital payments and fin tech provider. They have launched a new AI play with Alipay+ GenAI Cockpit. This will be an AI-as-a-Service (AIaaS) platform. The strategy is to support fintech companies and nudge super apps to build AI driven financial services with the goal of better security, flexibility and seamless experiences.

Making AI work for finance remains the key goal for fin tech companies. Alipay+ GenAI Cockpit is a platform to help entrepreneurs create effective AI-native financial services. These tools will combine automated workflows and task orchestration with a dynamic enterprise context. Key tasks include payment orchestration, customer onboarding, compliance checks, fraud detection, dispute resolution, and evaluation and performance optimisation.

New AI Platform for Fintechs launched by Ant International

Three-pronged AI strategy focuses on AI security, Vertical Fintech Expertise, and Full-stack AI platform support

First fintech clients begin official integration in June 2025 in Southeast Asia and South Asia

"The future of finance will be shaped by agentic AI that not only carry out tasks autonomously in real automated workflows and sophisticated financial business and compliance context with reliability, but also interact, evolve and learn rapidly in orchestration with ever-growing precision," said Jiangming Yang, Chief Innovation Officer of Ant International.

Alipay+ GenAI Cockpit has been honed on Ant International's four key business units: wallet gateway service (Alipay+), merchant payment service (Antom), cross-border business account service (WorldFirst), and embedded finance service (global treasury management, digital lending and credit tech solutions). Upon successful completion of trial runs, the first external clients in Southeast Asia and South Asia will start officially deploying the Cockpit in June 2025.

Three-Pronged AI Strategy: Security, Vertical Fintech Expertise, and Platform-level Support for Agentic FinAI

Combining a fintech-specific toolbox and dynamic industry knowledge base alongside business-ready AI innovations, the Cockpit embodies three key directions of Ant International's AI strategy.

Security Shield for Trusted AI

AI scamming threats using deepfake and other technologies have been growing over 10 folds by the year, with grave implications especially in the financial sector. Statistics show 22% of businesses have encountered AI-generated payment fraud.

Ant International invests heavily in AI security solutions to combat external AI scamming attacks and eliminate internal model security risks such as model hallucination or bias. Its AI SHIELD framework manages risks across system architecture designing, data processing, model training, and inferencing. It offers real-time dynamic risk assessment, including detecting adversarial prompts and sensitive data leakage through over 100 recognition models and 600,000 risk lexicons. Today, fraud loss rate in Ant International's merchant payment service is 5% of industry average.

Deep Vertical Financial Expertise

Alipay+ GenAI Cockpit leverages over 20 leading LLMs, including Ant International's own Falcon Time-Series Transformer FX Model. However, it has focused on integrating fintech knowledge bases, such as bank transfer rules and dispute resolution policies, to help businesses build specialized fintech agents.

The Cockpit toolbox supports retrieval-augmented generation (RAG), post-training, evaluation, and benchmarking, taking the combination of general-purpose datasets with industry-specific benchmarks developed from Ant International's financial expertise to help improve model precision.

Built on the Cockpit, Antom Copilot is the world's first AI agent designed to help merchants boost conversion by streamlining the process of payment method integration, recommending optimal payment channels, and resolving common tasks like code correction and the auto-completion of merc...