Ant International Launches AI Platform for Fintech Sector
Ant International has unveiled its artificial intelligence strategy with the launch of Alipay+ GenAI Cockpit, an AI-as-a-Service platform designed to enable fintech companies and super apps to build AI-powered financial services.
The platform addresses automated workflows and task orchestration across fintech operations, including payment orchestration, customer onboarding, compliance checks, fraud detection and dispute resolution.
The service also provides evaluation and performance optimisation capabilities.
“The future of finance will be shaped by agentic AI that not only carries out tasks autonomously in real automated workflows and sophisticated financial business and compliance context with reliability, but also interacts, evolves and learn rapidly in orchestration with ever-growing precision,” says Jiangming Yang, Chief Innovation Officer of Ant International.
The platform has been tested across Ant International's four business units: wallet gateway service through Alipay+, merchant payment service via Antom, cross-border business account service through WorldFirst and embedded finance service covering global treasury management, digital lending and credit technology solutions.
Following completion of trial runs, the first external clients in Southeast Asia and South Asia will begin deploying the Cockpit in June 2025.
Security framework addresses AI fraud threats
The company has developed what it calls an AI SHIELD framework to manage risks across system architecture design, data processing, model training and inference operations.
The framework provides real-time dynamic risk assessment capabilities, including detection of adversarial prompts and sensitive data leakage through more than 100 recognition models and 600,000 risk lexicons.
AI fraud using deepfake technology has increased more than 10-fold annually, with particular implications for the financial sector. Statistics indicate 22% of businesses have encountered AI-generated payment fraud.
Ant International reports that fraud loss rates in its merchant payment service are 5% of the industry average, following the implementation of its AI security solutions designed to combat external AI fraud attacks and eliminate internal model security risks, including model hallucination and bias.
The platform integrates more than 20 large language models, including Ant International's Falcon Time-Series Transformer FX Model.
The system focuses on incorporating fintech knowledge bases, including bank transfer rules and dispute resolution policies, to support businesses in building specialised fintech agents.
Platform supports customisation and deployment options
The Cockpit toolbox supports retrieval-augmented generation, post-training, evaluation, and benchmarking.
It combines general-purpose datasets with industry-specific benchmarks developed from Ant International's financial expertise to improve model precision.
Antom Copilot, built on the Cockpit platform, functions as an AI agent designed to help merchants increase conversion rates by streamlining payment method integration processes.
The system recommends payment channels and resolves tasks including code correction and automatic completion of merchant onboarding documents. Merchants can configure risk management strategies using natural language commands.
The platform offers pre-built agents covering customer service, content curation for targeted marketing, and AI-assisted coding. Businesses can customise agents for scenarios including travel advisory, tax refunds, cross-border remittance, and loyalty rewards programmes.
The Cockpit's model context protocol marketplace supports major MCP servers and allows businesses to create their own MCP servers for autonomous task completion.
The platform supports deployment across public clouds and on-premise environments through partnerships with Google Cloud and other infrastructure providers.
Ant International's three-pronged AI strategy focuses on AI security, vertical fintech expertise, and platform-level support for what the company terms "agentic FinAI."
The approach combines a fintech-specific toolbox and dynamic industry knowledge base with business-ready AI innovations.
“The FinAI sector is at its big-bang moment,” says Jiangming. “We are eager to work with the industry to evolve and expand the toolbox as well as this ecosystem to help financial businesses scale their growth faster and better.”
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