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The complexity of global payments demands solutions that go beyond basic automation, requiring deep domain expertise. Ant International's Antom has announced significant upgrades to its industry-first AI agent, Antom Copilot, advancing its capabilities in domain-specific agentic AI. Designed to tackle the entire merchant payment lifecycle, the enhanced copilot provides proactive, tailored assistance by learning from real-world cases, aiming to transform payment operations from a reactive cost center into a strategic, efficient function.
Antom Copilot receives major upgrades with advanced agentic AI capabilities.
It automates the entire payment lifecycle, from onboarding to dispute handling.
The AI acts as a virtual team of payment experts, trained on anonymized complex cases.
It has reduced merchant payment integration time by 90% since its 2024 launch.
New features include improved multi-turn dialogue and proactive risk monitoring.
The upgrade supports Ant International's focus on domain-specific AI for global commerce.
Integrated directly into the Antom Merchant Portal, the upgraded Antom Copilot functions as a virtual team of payment experts. It is built on an advanced agentic retrieval-augmented generation (RAG) architecture with dynamic standard operating procedure (SOP) planning, trained using deep industry knowledge and a vast set of anonymized, complex real-world cases. This allows it to manage traditionally resource-intensive processes—such as dispute handling, risk control, and payment success rate optimization—with shorter processing times and lower operational costs for merchants of all sizes.
The latest iteration introduces improved multi-turn dialogue and memory capabilities, enabling better performance in real, multi-step operational scenarios. A key advancement is its closer monitoring of operational signals, which allows the copilot to pre-emptively capture risks and opportunities rather than waiting for merchants to raise issues. By learning each merchant's unique business rhythm, Antom Copilot delivers nuanced, proactive advice across payment-related operations, moving from a passive problem-solving tool to an active operational partner.
The commercial impact of the AI agent is already significant. Within one year of its launch, 72% of Antom merchants completed self-service integration using Antom Copilot, which reduced integration time by 90% and improved dispute-handling efficiency by 46%. This upgrade underscores Ant International's broader commitment to advancing agentic payment innovations. The company is expanding partnerships with industry leaders to develop new agent protocols, focusing on building domain-specific AI that can orchestrate complex tasks efficiently to solve global payment complexity.
Antom Copilot's evolution represents a strategic shift in how financial technology addresses merchant needs, applying sophisticated AI to a deeply specialized field. By turning capabilities typically reserved for large enterprises with dedicated teams into accessible tools for all merchants, Antom is lowering the barrier to efficient global commerce. This focus on solving specific, high-complexity problems with tailored AI agents points to the future of operational efficiency in the financial sector, where intelligence is not just general but expertly applied.
About Antom
Ant International's Antom is the leading payment and digitisation services provider for merchants around the world. It offers unified, vertical-specific digital payment solutions to serve businesses of all sizes. Antom supports merchants to integrate over 300 payment methods, enabling them to connect with consumers in more than 200 markets, with the flexibility to accept payments in more than 100 currencies. Beyond payments, it provides digital marketing solutions and merchant digitisation services to help merchant streamline operations and enhance customer engagement.
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