MoneyGram has announced a strategic partnership with Oscilar, an AI Risk Decisioning™ Platform, to power its next-generation global risk infrastructure. This collaboration is a key part of MoneyGram's AI-first strategy, aiming to deliver real-time, adaptive risk intelligence across its vast payment network to enhance security, improve operational efficiency, and provide a more seamless customer experience for its millions of users worldwide.
Quick Intel
MoneyGram partners with Oscilar to deploy an AI-powered risk decisioning platform.
The move advances MoneyGram's AI-first strategy for its global payments network.
The platform unifies fraud, AML, and compliance operations on a single stack.
Key benefits include real-time inference, automated rule optimization, and agentic AI.
The system uses behavioral analytics and device fingerprinting for enhanced protection.
The goal is to reduce friction for legitimate users while staying ahead of emerging threats.
Powering the Future of Global Money Movement
MoneyGram operates one of the world's largest and most complex payment networks, spanning over 200 countries and territories. Maintaining a secure and compliant service across this global footprint requires a robust, data-driven risk management program. The partnership with Oscilar is designed to modernize this critical function by replacing legacy systems with an AI-native platform built for continuous learning and real-time inference. This shift will allow MoneyGram to set a new industry standard for agility and security in cross-border payments.
Reimagining Risk with Intelligent Technology
The core of the partnership involves integrating Oscilar's platform as the foundation for MoneyGram's risk infrastructure. This unified stack will handle fraud, anti-money laundering (AML), and compliance workflows, reducing complexity and cost while improving detection accuracy and decision speed. Features like cognitive identity intelligence, which analyzes thousands of behavioral and device markers, will proactively defeat fraud. Furthermore, agentic AI decisioning will enable risk controls that dynamically evolve with the threat landscape, ensuring the system becomes smarter over time.
Enhancing the Customer Experience Through Innovation
A primary objective of this technological upgrade is to directly benefit the end-user experience. By leveraging AI for more precise risk assessment, MoneyGram aims to achieve faster transaction approvals and fewer delays for trusted customers, thereby lowering friction. The operational efficiencies gained, such as a reported 70% reduction in data migration time and automated rule optimization, are also expected to lower costs, savings that can be passed on to customers. This strategic investment underscores the belief that in the modern payments landscape, continuous innovation in risk management is not just an operational necessity but a critical component of customer satisfaction and competitive advantage.
This partnership positions MoneyGram at the forefront of intelligent risk management in financial services. By embracing an AI-native platform, MoneyGram is building a more resilient, efficient, and customer-centric global payments network ready to meet the demands of the future.
About MoneyGram
MoneyGram is a global payments network that enables seamless money transfers through a digitally powered, omnichannel platform supporting both fiat and stablecoin transactions. Backed by over 80 years of trust, the company delivers fast, reliable cross-border financial solutions for consumers, developers and partners worldwide. Serving more than 50 million customers annually, operations span over 200 countries and territories, supported by nearly 500,000 retail locations and a rapidly growing digital ecosystem reaching billions of devices. As one of the most trusted and recognized brands in global payments, MoneyGram continues to reinvent cross-border finance, saving customers time, effort and money, and helping people support loved ones and build better futures.
About Oscilar
Oscilar powers real-time risk decisioning across fraud, credit, and compliance with a single, unified solution. Its no-code AI Risk Decisioning™ platform leverages agentic AI and advanced signal processing to analyze complex data, detect anomalies, and automate mission-critical decisions with speed and precision. Built by the team behind risk systems at Google, Meta, Uber, Citi, and J.P. Morgan, Oscilar combines deep technical expertise with cloud-native architecture to deliver scalability, transparency, and regulatory-grade performance.
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