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Simplifying payment operations for banks — scheme compliance, dispute management, fraud recovery and industry trends.

All Fraud & Disputes Guides & Reports News Podcasts Scheme Compliance Success Stories Thought Leadership Webinars

Transforming PSD2 refund rules & Reg E/Z into operational excellence

Regulatory refund timelines under PSD2, Reg E, and Reg Z are getting tighter, but most dispute operations are still stuck in the slow lane. This article compares the mandates across the EU, UK and US, explores why traditional approaches are breaking down, and shows how automated dispute management turns dispute management into a strategic lever.

FEB 27, 2026

Mastercard new BIN Sponsor rules what principal license holders must know

Mastercard's new BIN Sponsor rules: What principal license holders must know

Mastercard's new regulations have officially closed the accountability gap, requiring principal license holders to take full operational responsibility for their Fintech partners. To avoid regulatory fallout, sponsors must transition from manual processes to a digital-first model of active compliance.

FEB 18, 2026

Scaling customer empathy blueprint for intelligent dispute resolution

Scaling customer empathy: A blueprint for intelligent dispute resolution

As banks face escalating regulatory pressure and high wrongful rejection rates for fraud and scam claims, this post explores how intelligent automation closes the consumer protection gap by replacing manual workflows with a blueprint for scalable, empathetic, and 100% compliant dispute resolution.

FEB 11, 2026

The competitive edge: how AI-powered payment intelligence drives go-to-market speed for card issuers

In today’s card-issuing landscape, competitive advantage is no longer defined by loyalty programs, it’s defined by speed to market. Yet most issuers still struggle with slow, manual compliance processes that delay innovation. AI-powered Payment Intelligence changes that. By transforming complex Visa and Mastercard scheme documentation into structured, actionable insights, solutions like Kajo enable product, IT, and finance teams to collaborate in real time. With Ask Kajo Intelligence (KI), teams can instantly interpret mandates, discover new feature opportunities, and ensure compliance by design. The result: faster go-to-market execution, proactive product innovation, and a measurable competitive edge. Card issuers using Kajo turn compliance from a cost centre into a strategic intelligence engine, accelerating launches, optimising resources, and securing that critical top-of-wallet position.

JAN 6, 2026

Are you ready for disputes in the age of agentic commerce?

Agentic commerce allows AI agents to execute purchases, creating grey areas in current liability and dispute frameworks. This article explores the operational challenges for issuers and the emergence of verification standards like Visa's Trusted Agent Protocol.

DEC 16, 2025

The cost of time: Why manual dispute processes can't meet PSD2 deadlines

PSD2 requires issuers to refund unauthorised payments by the next business day, yet many dispute processes still rely on manual work. This article explains where time is lost across intake and back-office handling, why superficial digitalisation doesn’t reduce compliance risk, and how automation enables faster, more reliable refunds during fraud spikes.

DEC 16, 2025

Who truly owns compliance in the card BaaS ecosystem?

Banking-as-a-Service (BaaS) has reshaped the issuing ecosystem, enabling Fintechs to scale fast while banks monetise their infrastructure. But one fact remains unchanged: the issuing bank always holds the regulatory risk. When a FinTech partner breaches a rule, it’s the licensed bank, not the Fintech, that faces fines, penalties, and reputational fallout. Kajo Payment Intelligence empowers banks to reclaim control in this shared ecosystem. By automatically ingesting and contextualising Visa, Mastercard, and other scheme mandates, Kajo translates complex requirements into actionable, trackable tasks. Banks can assign responsibilities across internal teams or BaaS partners and maintain a real-time, auditable trail for every compliance action.

DEC 10, 2025

Customer trust is the new KPI

Customers judge their bank most strongly when something goes wrong. Discover why disputes have become the clearest test of trust and how issuers can turn them into moments that build loyalty instead of eroding it.

DEC 3, 2025

How Kajo turns compliance headcount into innovation capital

In traditional banking and payments, compliance is treated as an unavoidable cost, requiring large teams to manually process scheme updates, interpret mandates, and manage endless spreadsheets. As businesses expand, this often means hiring more compliance FTEs, diverting resources away from innovation. Kajo Payment Intelligence flips this model. By automating manual compliance workflows, from document ingestion and tagging to task tracking and knowledge sharing, Kajo frees up valuable specialist capacity. Teams shift from administration to strategy, unlocking measurable ROI through efficiency, risk reduction, and smarter resource allocation. With Kajo, compliance no longer scales as a cost. It scales as an advantage. Institutions can reinvest time and budget into new product development, market expansion, and innovation, transforming compliance headcount into true innovation capital.

DEC 1, 2025

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