Wibmo, a full-stack PayTech provider and a company of PayU, has been awarded the Chartis RiskTech100 Disruptor Award for its Agentic Risk Intelligence Solution. The award was given under the new Workflow, Agentic AI and Low-Code/No-Code category introduced for the Chartis RiskTech100 2027. This category recognizes disruptive firms that are transforming business processes across the risk technology landscape. Wibmo's solution, Wibmo Agentic Risk Intelligence Assistant (ARIA), is designed to support fraud, AML, risk analysis, and dispute operations.
The Wibmo Agentic Risk Intelligence Assistant (ARIA) is built around a human-led operating model, where agents support investigation and drafting, while final decisions remain with authorized human teams. The platform's governance approach includes maker-checker controls, evidence-linked recommendations, audit-ready decision trails, and simulation-gated actions for appropriate use cases. This approach enables risk teams to move from fragmented, analyst-intensive processes towards more structured, explainable, and scalable case operations.
Wibmo's approach brings together the stages of risk operations in a connected workflow, from gathering transaction, customer, and merchant signals to drafting a verdict, recommending action, and supporting remediation. The company's fraud and risk management platform supports configurable DIY rules, case and queue management flows, BPMN-based tailored workflows, role-based controls, and low-code/no-code configuration. These capabilities enable client partners to adapt business processes, risk strategies, and investigation workflows as their requirements evolve.
Philip Mackenzie, Research Principal at Chartis, noted that Wibmo continues to expand its position in the payments risk landscape, building on its established strengths in authentication and payment security. Mackenzie added that Wibmo's investments in risk-based authentication and agentic AI have reflected its focus on transaction-level intelligence. Shailesh Paul, CEO of Wibmo, expressed his delight in receiving the Chartis Disruptor Award, highlighting Wibmo's 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, Wibmo is supporting the transformation of risk operations across the payments ecosystem. Wibmo operates across entities in India, the US, and Indonesia, and is a global full-stack PayTech company and industry leader in payment security and digital payments in emerging markets.
Wibmo offers comprehensive fraud and risk management solutions, digital financial services, prepaid solutions, and a broad range of merchant-acquiring services. The company stands out for its innovation and impact, being India's largest authentication service provider in one of the leading digital payment markets globally. Wibmo's solutions aim to help clients bring together agentic intelligence, explainable recommendations, configurable controls, and human decision-making.
Chartis Research is an independent research and advisory firm that provides market intelligence, analysis, and benchmarking on risk, compliance, governance, and financial technology. The firm's reports and vendor assessments deliver actionable insights to help institutions evaluate solutions, manage risk, and make strategic technology and vendor selection choices. The recognition of Wibmo's Agentic Risk Intelligence Solution highlights the company's commitment to innovation and its position as a leader in the payments risk landscape.
Key points
- Wibmo's Agentic Risk Intelligence Solution has been recognized for its innovative approach to fraud and risk management.
- The solution supports configurable DIY rules, case and queue management flows, and low-code/no-code configuration.
- Wibmo's approach brings together the stages of risk operations in a connected workflow, enabling risk teams to move towards more structured and scalable case operations.
