The award falls under the new Disruptor categories introduced for the Chartis RiskTech100® 2027. These categories recognize companies transforming business processes across the risk technology landscape. Wibmo was recognized for combining intelligent workflows, agentic risk intelligence and configurable low-code/no-code capabilities to transform fraud and risk operations.
The recognition highlights Wibmo’s broader fraud and risk management ecosystem, including its Agentic Risk Intelligence Assistant (ARIA). The solution is designed to support fraud, anti-money laundering (AML), risk analysis and dispute operations through specialized AI agents. These agents gather relevant signals, summarize investigations, identify patterns, draft evidence-backed findings and recommend next actions.
ARIA operates within a human-led framework in which AI agents assist with investigations and drafting, while authorized human teams retain responsibility for final decisions. Its governance framework includes maker-checker controls, evidence-linked recommendations, audit-ready decision trails and simulation-gated actions for appropriate use cases.
Wibmo’s approach connects different stages of risk operations within a unified workflow, covering the collection of transaction, customer and merchant signals, the drafting of verdicts, the recommendation of actions and support for remediation. The approach is intended to help risk teams move away from fragmented, analyst-intensive processes towards more structured, explainable and scalable case operations.
The award also recognizes Wibmo’s flexible workflow capabilities. Its fraud and risk management platform supports configurable do-it-yourself (DIY) rules, case and queue management flows, Business Process Model and Notation (BPMN)-based tailored workflows, role-based controls and low-code/no-code configuration.
These capabilities allow client partners to adapt business processes, risk strategies and investigation workflows as their requirements change, without requiring extensive technical intervention for every modification.
Philip Mackenzie, Research Principal at Chartis, said, “Wibmo continues to expand its position in the payments risk landscape, building on its established strengths in authentication and payment security. Investments in risk-based authentication and agentic AI have reflected its focus on transaction-level intelligence and, together with its increasingly deep portfolio of anti-fraud capabilities, led to its Disruptor Award in the Workflow, Agentic AI and Low-Code/No-Code category and its award for Regional Leadership and Excellence in South Asia.”
Commenting on the recognition, Shailesh Paul, CEO of Wibmo, said, “We are delighted to be chosen as the Chartis Disruptor Award winner for Workflow, Agentic AI and Low-Code/No-Code innovation. This recognizes Wibmo’s work in agentic fraud and risk intelligence and our broader FRM capabilities. Risk operations are evolving from static, manual processes to intelligent, configurable, and governed workflows. Through Wibmo’s Agentic Risk Intelligence Assistant (ARIA) solution, we are helping our clients bring together agentic intelligence, explainable recommendations, configurable controls, and human decision-making. This recognition reflects our commitment to helping financial institutions strengthen fraud operations while retaining accountability, transparency and control.”
The award reinforces Wibmo’s focus on helping banks, fintechs, issuers, acquirers and payment aggregators strengthen fraud and risk operations across payment environments. By combining intelligent investigation, configurable workflows and governed automation, the company aims to support the transformation of risk operations across the payments ecosystem.
Wibmo, a PayU company, operates through entities in India, the US and Indonesia. As a global full-stack PayTech company and an industry leader in payment security and digital payments in emerging markets, Wibmo focuses on innovation and impact.
In addition to being India’s largest authentication service provider in one of the world’s leading digital payment markets, Wibmo offers comprehensive fraud and risk management solutions, digital financial services, prepaid solutions and a broad range of merchant-acquiring services. Further information is available at wibmo.com.
Chartis Research is an independent research and advisory firm providing market intelligence, analysis and benchmarking across risk, compliance, governance and financial technology. Its reports and vendor assessments deliver actionable insights to help institutions evaluate solutions, manage risk and make strategic technology and vendor selection decisions.
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