Wibmo, a PayU subsidiary and a comprehensive PayTech provider, has been honored with the Chartis RiskTech100® Disruptor Award in the new Workflow, Agentic AI, and Low-Code/No-Code category for 2027. This accolade highlights the company’s advancements in agentic fraud prevention and risk intelligence through its innovative platform, the Wibmo Agentic Risk Intelligence Assistant (ARIA), alongside its extensive fraud and risk management solutions.

The introduction of the Disruptor categories in the Chartis RiskTech100® 2027 aims to spotlight companies that are revolutionizing business processes within the risk technology sector. Wibmo has been recognized for its integration of intelligent workflows, agentic risk intelligence, and customizable low-code/no-code features, which collectively enhance fraud and risk management operations.

This prestigious award underscores Wibmo’s contributions to its fraud and risk management ecosystem, particularly through ARIA. The ARIA platform is engineered to assist with fraud detection, anti-money laundering (AML), risk analysis, and dispute resolution. It utilizes specialized AI agents that collect pertinent signals, synthesize investigations, uncover patterns, compile evidence-based conclusions, and suggest subsequent actions.

Built on a human-centric operational model, ARIA’s design allows agents to facilitate investigations and documentation, while final decision-making is reserved for authorized human personnel. The governance framework incorporates maker-checker controls, evidence-linked recommendations, audit-ready decision pathways, and simulation-gated actions to ensure appropriate use cases.

Wibmo’s methodology effectively connects various stages of risk operations, streamlining processes from the collection of transaction, customer, and merchant signals to decision-making and remedial support. This transition from disjointed, analyst-heavy workflows to more organized, transparent, and scalable case management enhances the efficiency of risk teams.

Additionally, Wibmo’s adaptable workflow functionalities are evident in its fraud and risk management platform. It offers customizable do-it-yourself rules, case and queue management flows, tailored workflows based on BPMN, role-based access controls, and low-code/no-code configurations. These features empower client partners to modify business processes and risk strategies in accordance with their evolving needs without necessitating extensive technical support for each adjustment.

Commenting on the award, Philip Mackenzie, Research Principal at Chartis, stated, “Wibmo continues to strengthen its position in the payments risk sector, building upon its solid foundation in authentication and payment security. Its investments in risk-based authentication and agentic AI reflect a commitment to transaction-level intelligence. This, combined with an expanding array of anti-fraud features, has earned it the Disruptor Award in the Workflow, Agentic AI, and Low-Code/No-Code category as well as recognition for Regional Leadership and Excellence in South Asia.”

Shailesh Paul, CEO of Wibmo, expressed his enthusiasm regarding the recognition, stating, “We are thrilled to be named the Chartis Disruptor Award winner for Workflow, Agentic AI, and Low-Code/No-Code innovation. This award signifies Wibmo’s advancements in agentic fraud and risk intelligence, as well as our comprehensive fraud and risk management capabilities. The evolution of risk operations from traditional, manual methods to intelligent, customizable, and governed workflows is crucial. Through our ARIA solution, we are empowering clients to harness agentic intelligence, make explainable recommendations, implement configurable controls, and ensure human oversight. This recognition underscores our dedication to assisting financial institutions in enhancing their fraud operations while maintaining accountability, clarity, and control.”

The award further emphasizes Wibmo’s commitment to enabling banks, fintech companies, issuers, acquirers, and payment aggregators to bolster their fraud and risk management practices across diverse payment environments. By integrating intelligent investigations, customizable workflows, and governed automation, Wibmo is playing a pivotal role in transforming risk operations throughout the payments ecosystem.