Artificial Intelligence is reshaping payment processing, creating opportunities to optimize performance across the entire transaction lifecycle. This session explores how AI can enhance payment outcomes at scale while tailoring solutions to individual merchants.

The first focus is on applying AI and platform-wide data to strengthen the payment funnel. From boosting authorisation rates through intelligent routing and optimised messaging, to managing fraud, chargebacks, and transaction costs, AI enables smarter, more adaptive decision-making across issuers, payment methods, geographies, and verticals—driving higher approvals with efficiency and control.

The second focus is on the design of an offline evaluation and experimentation framework. By using replayable datasets and counterfactual policy evaluation, new strategies can be tested safely before live deployment, reducing risk and enabling targeted online experiments.

Together, these approaches show how AI can evolve from isolated use cases into a core optimisation engine—balancing performance, cost, and risk through continuous learning.