Singapore – TrustDecision, a Singapore-based provider of risk intelligence technology, has broadened its decision intelligence platform with additional agent-based AI capabilities aimed at banks and financial technology firms across Southeast Asia.
The expansion reflects a broader regional shift in which financial institutions are integrating AI into live environments for credit risk assessment and fraud prevention, while encountering increasing complexity in governance, oversight and explainability.
The enhanced capabilities were presented during Money20/20 Asia in Bangkok, where the company outlined its approach to developing an adaptive, AI-led infrastructure for risk decision-making. The platform combines fraud detection and credit risk assessment functions, allowing institutions to apply automation across the full operational lifecycle, from initial risk identification through investigation to ongoing strategy refinement.
“In regulated financial environments, the focus is not just autonomy, it’s on control. While AI agents can take on more operational tasks, institutions are adopting a measured approach, with human-AI collaboration at the core,” Henry Li Nan, Managing Director for Singapore, Malaysia & Thailand at TrustDecision, stated.
“Higher-risk decisions still require human oversight, and there is a strong emphasis on model transparency and operating within clearly defined regulatory boundaries.”
Central to the system is a suite of specialised AI-driven components designed to convert analytical outputs into operational responses. One element supports case analysis related to fraud and financial crime, covering tasks such as data aggregation, transaction tracking, behavioural assessment and reporting.
Meanwhile, another component translates findings and risk indicators into deployable rules and model features, enabling organisations to move from individual case handling towards more systematic and continuously updated risk management approaches. Together, these capabilities are intended to form an integrated feedback loop linking detection, investigation and optimisation processes.
Thailand is identified as a key market where these developments are becoming more immediate, with the anticipated introduction of virtual banks by mid-2026 creating demand for digital-first operating models that balance efficiency with regulatory compliance.
Across the wider Southeast Asian region, adoption levels vary, with some markets advancing more rapidly in areas such as real-time decisioning, while others continue to establish underlying digital capabilities.
“AI can make faster, more consistent decisions than manual processes in almost every financial workflow we handle. In regulated financial services, the more important question is how the system behaves once it is live,” Dr Simon Liu, Chief Data and AI Officer at TrustDecision, commented.
“That means understanding where autonomous decision is appropriate, where controls need to sit, and how institutions detect when a system is operating outside the boundaries they have set.”
TrustDecision indicated that future progress in the sector will depend less on further improvements in model performance and more on the ability of financial institutions to establish governance frameworks suited to real-world financial operations.
