Wibmo, a PayU company and full-stack PayTech provider, has won the Chartis RiskTech100® 2027 Disruptor Award for Workflow, Agentic AI and Low-Code/No-Code innovation, recognising its work in agentic fraud and risk intelligence through its Wibmo Agentic Risk Intelligence Assistant (ARIA) and broader fraud and risk management ecosystem.
Key Highlights
- Wibmo won the Chartis RiskTech100® 2027 Disruptor Award.
- The award recognises innovation in Workflow, Agentic AI and Low-Code/No-Code.
- Wibmo was recognised for its Agentic Risk Intelligence Assistant (ARIA).
- ARIA supports fraud, anti-money laundering, risk analysis and dispute operations.
- The platform combines AI-assisted investigation with human decision-making.
- Wibmo uses maker-checker controls, evidence-linked recommendations and audit-ready decision trails.
- The award is part of new Disruptor categories introduced for Chartis RiskTech100® 2027.
Wibmo Recognised for Agentic AI Risk Intelligence
The award recognises companies transforming business processes across the risk technology landscape.
Wibmo was recognised for combining intelligent workflows, agentic risk intelligence and configurable low-code/no-code capabilities to support fraud and risk operations.
The recognition covers Wibmo’s broader fraud and risk management ecosystem, including Wibmo Agentic Risk Intelligence Assistant (ARIA).
ARIA is designed to support fraud, anti-money laundering (AML), risk analysis and dispute operations through specialised AI agents.
The system can gather relevant signals, summarise investigations, identify patterns, draft evidence-backed findings and recommend potential next actions.
Human Decision-Making Remains Central
Wibmo said its platform is built around a human-led operating model, with AI agents supporting investigation and drafting while final decisions remain with authorised human teams.
The governance framework includes maker-checker controls, evidence-linked recommendations, audit-ready decision trails and simulation-gated actions for appropriate use cases.
This approach is intended to combine the efficiency of AI-assisted workflows with human oversight and accountability in sensitive fraud and risk operations.
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Wibmo Connects Fraud and Risk Operations
The platform brings together several stages of risk operations into a connected workflow.
These include gathering transaction, customer and merchant signals, drafting findings, recommending actions and supporting remediation.
According to Wibmo, the approach is designed to help risk teams move away from fragmented and analyst-intensive processes towards more structured, explainable and scalable case operations.
Low-Code and No-Code Capabilities Support Flexible Workflows
The recognition also reflects Wibmo’s configurable workflow capabilities.
Its fraud and risk management platform supports DIY rules, case and queue management, BPMN-based workflows, role-based controls and low-code/no-code configuration.
These capabilities allow clients to adapt business processes, risk strategies and investigation workflows as their requirements change without requiring extensive technical intervention for every modification.
Chartis Highlights Wibmo’s Payments Risk Capabilities
Philip Mackenzie, Research Principal at Chartis, said Wibmo had continued to expand its position in the payments risk landscape.
“Wibmo continues to expand its position in the payments risk landscape, building on its established strengths in authentication and payment security.”
Mackenzie said the company’s investments in risk-based authentication and agentic AI had contributed to its recognition in the new Disruptor category.
He also noted Wibmo’s recognition for Regional Leadership and Excellence in South Asia.
Wibmo CEO Says Award Reflects Focus on Governed AI
Commenting on the recognition, Shailesh Paul, CEO of Wibmo, said the award reflects the company’s work in agentic fraud and risk intelligence as well as its broader fraud and risk management capabilities.
“Risk operations are evolving from static, manual processes to intelligent, configurable, and governed workflows.”
Paul said Wibmo’s ARIA solution is designed to bring together agentic intelligence, explainable recommendations, configurable controls and human decision-making.
He added that the company’s approach is focused on helping financial institutions strengthen fraud operations while maintaining accountability, transparency and control.
Wibmo Targets Banks and Payment Companies
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 positioning its technology to support the transformation of risk operations across the payments ecosystem.
The Chartis RiskTech100® 2027 Disruptor Award therefore highlights the growing role of agentic AI, workflow automation and low-code/no-code technologies in modern financial risk management.
For background on the platform, see this report on the launch of Wibmo’s ARIA assistant.
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