AI‑Enabled Payment Enrichment Platform

Coforge has designed a modular, AI‑ready payment enrichment platform that combines a high‑performance rules engine with AI/ML capabilities. It uses techniques such as Named Entity Recognition (NER) and intelligent classifiers to automate payment validation, enrichment, and repair across formats and scenarios.

Key characteristics of the platform include:

• A cloud‑native, microservices‑led architecture for scalability and resilience

• Configurable rule management UI enabling business and operations teams to self‑manage enrichment logic

• AI‑driven learning patterns to handle complex and evolving repair scenarios beyond static rules

• Message‑format‑agnostic design to support future expansion beyond MT/SWIFT

The platform delivers clear operational and financial impact:

• 50-60% reduction in manual intervention, driven by intelligent rule coverage and AI‑assisted enrichment

• ~40% projected reduction in total cost of ownership (TCO) compared with third‑party platforms

• ~20% improvement in Straight‑Through Processing (STP), accelerating payment flows

• 25-30% increase in developer productivity, supported by AI‑assisted SDLC practices (including GitHub Copilot)

Beyond cost and efficiency gains, the solution provides greater control, faster change velocity, and a foundation for continuous innovation in payment repair and compliance.