Ant International, a global digital payment, and financial technology provider, unveiled its AI strategy with the launch of Alipay+ GenAI Cockpit, an AI-as-a-Service (AIaaS) platform that empowers fintech companies and super apps to build AI-agentic and ultimately AI-native financial services with enhanced efficiency, security, and flexibility.
Making AI systemically work for finance remains the holy grail of the current AI revolution. Alipay+ GenAI Cockpit is a platform to help entrepreneurs architect an agentic and ultimately AI-native financial services, combining automated workflows and task orchestration with a dynamic enterprise context, across main fintech tasks, from payment orchestration, customer onboarding, compliance checks, to fraud detection, dispute resolution, as well as evaluation and performance optimization.
“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 learns 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.
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.[1]
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 merchant onboarding documents. It also allows merchants to configure risk management strategy with natural language.
Full-Stack FinAI Platform Support
Cockpit offers a wide selection of pre-built agents covering regular tasks, including customer service, content curation for targeted marketing, and AI-assisted coding. One level up, a business can easily customize agents for more specialized scenarios such as travel advisory, tax refunds, cross-border remittance, and loyalty rewards, accelerating time-to-value across business functions.
Further, the Cockpit’s model context protocol (MCP) marketplace supports major MCP servers developed thus far and allows businesses to create their own MCP servers to enable autonomous task completion. It also supports flexible deployment across public clouds and on-premise environments, drawing on strategic partnerships with Google Cloud and other top-tier infrastructure providers.
“The FinAI sector is at its big-bang moment,” said Yang. “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.”
[1] https://insights.talintpartners.com/surge-in-ai-driven-payment-fraud-highlights-need-for-enhanced-security/
