Ant International has launched a new AI platform designed to help fintech companies across Southeast Asia run safer, smarter operations. The company’s Alipay+ GenAI Cockpit aims to reshape how digital payment systems and financial services are built and run. The tool helps automate tasks like fraud detection and onboarding while giving businesses more control.
Jiangming Yang, Chief Innovation Officer at Ant International, says the future lies in “agentic AI”, tools that can act and improve on their own. With digital fraud cases rising and customers expecting faster service, many fintechs are eager for a secure, AI-native path forward. The AI Cockpit enters full rollout this June after internal testing across Ant’s own businesses, including Alipay+ and Antom.
Inside the AI Cockpit: AI That Understands Finance
The Alipay+ GenAI Cockpit isn’t just another chatbot. It’s a full platform built to help fintech companies deploy AI agents. These agents can handle customer service, risk assessment, onboarding, and even fraud resolution, all with speed and context awareness.
The AI Cockpit uses a mix of over 20 large language models, including Ant’s own time-series forecasting tools. It also connects to financial knowledge bases, such as local bank transfer rules and dispute handling policies. This means it doesn’t just guess, it knows how finance actually works.
“We’re combining automated workflows with live business knowledge,” said Yang. “That’s how AI becomes useful, not just smart.” One early tool, the Antom Copilot, helps merchants find the best payment channels, fix code errors, and set risk rules using plain language.
Measurable Results and Ongoing Challenges
After internal use across four major business units, Ant International is now offering the AI Cockpit to external clients. Southeast Asia and South Asia will be the first regions to gain access starting this June. Ant says fraud losses in its own systems dropped to just 5% of the industry average, thanks to Cockpit-led detection tools.
Security is also a major focus. As AI scams grow more common, the platform’s AI SHIELD feature flags risky prompts and data leaks in real time. Over 600,000 warning signs are built into the system. Still, not all problems are solved. Critics warn that AI “hallucinations”, false outputs, can still create risk if models are poorly trained.
Despite challenges, Ant sees big potential. The platform supports flexible deployment on public or private clouds, with help from Google Cloud and others. Businesses can also build their own agents, opening doors for custom use in areas like tax refunds or travel payments.
Is This the Start of Scalable AI for Fintech?
The launch of Alipay+ GenAI Cockpit marks a turning point in how financial services adopt AI. With its rollout starting in Southeast and South Asia, Ant International is positioning itself as a leader in practical, secure AI solutions for fintech. As companies look for ways to reduce fraud, speed up onboarding, and manage risk with greater precision, tools like the Cockpit may set a new baseline. The next phase will likely involve expanding partnerships, refining agentic capabilities, and measuring real-world business impact across global markets.
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