Ant International has launched Alipay+ GenAI Cockpit, an AI-as-a-Service platform that enables fintech companies and super apps to build AI-agentic and AI-native financial services with enhanced efficiency, security, and flexibility. The platform combines automated workflows and task orchestration with a dynamic enterprise context across main fintech tasks, including payment orchestration, customer onboarding, compliance checks, fraud detection, dispute resolution, evaluation, and performance optimization. The first fintech clients will begin official integration in Southeast Asia and South Asia in June 2025. The AI revolution aims to make AI work systematically for finance.
“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.
AI scamming threats using deepfake and other technologies have been growing over 10 times yearly, 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 design, data processing, model training, and inference. 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, the fraud loss rate in Ant International’s merchant payment service is 5% of the industry average.
Alipay+ GenAI Cockpit leverages over 20 leading LLMs, including Ant International’s 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, combining 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 everyday tasks like code correction and the auto-completion of merchant onboarding documents. It also allows merchants to configure a risk management strategy with natural language.
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, Cockpit’s model context protocol (MCP) marketplace supports central MCP servers that have been developed thus far. It allows businesses to create their own MCP servers for 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 and this ecosystem to help financial businesses scale their growth faster and better.”
