Production AI for money movement.
Fintech systems face mounting pressure to scale, stay compliant and support new products.
We help fintech leaders scale, secure and streamline payment systems with real-time analytics, a cloud-native lakehouse and end-to-end governance. Fraud, underwriting and compliance are built into the transaction path.
AI changes how the work gets done here: the tasks that take a team days run in hours, with your people reviewing the exceptions. It shows up as cost, revenue, and the pace of improvement.
Three companies, three targets. Each moves to the level its P&L needs.
- Payment reconciliation, Payments: moves from Level 1 to Level 2. Settlements matched by hand across processors. Processor and network data in one place, fully auditable.
- Fraud review, Payments: moves from Level 1 to Level 3. Flagged payments reviewed by hand. Every transaction scored inline. Agent checks in the transaction path, settlement not slowed.
- Loan applications, Lending: moves from Level 1 to Level 4. Applications read by hand. Plaid and bureau data pulled into one view. Agent decisions applications in seconds. Agents coordinate underwriting, fraud and compliance checks.
Three companies, three targets. Each moves to the level its P&L needs.
- Payment reconciliation, Payments: moves from Level 1 to Level 2. By hand. One place.
- Fraud review, Payments: moves from Level 1 to Level 3. By hand. Scored inline. Agent checks.
- Loan applications, Lending: moves from Level 1 to Level 4. By hand. One view. In seconds. Agents coordinate.
Azure
Legacy rails can't keep pace with modern payments.
Data silos
Disconnected systems block data sharing, collaboration and the insight that drives products.
Compliance burden
Meeting AML, KYC and data governance mandates is hard on outdated infrastructure.
Limited scalability
Legacy systems strain under the volume, velocity and storage demands of modern payments.
We integrate acceptance, issuing and network data into a governed lakehouse, so risk, finance and product teams work from one real-time source of truth.
Square
Visa
Mastercard
From the gateway to the ledger, payments data becomes safer transactions, faster products and lower cost to serve. The sponsor sees fraud loss, compliance cost and margin per payment move, on one real-time source of truth.
- Fintech Payments90%less time reconciling transactions across systemsKane Solutions cut transaction reconciliation from days to hoursKane Solutions
- Finance and reporting60%less manual work expected on invoice locking and exceptionsMailgun redesigned its revenue pipeline so no invoice history is ever overwritten
- Finance and reporting · Level 230 hrsof analyst reporting time saved every weekTechSmith saved 30 analyst hours a week with one Azure Databricks data layer
Three stages and an advisory retainer, with published prices.
- Find where AI paysStage 1 of 3
Assess
Know where AI creates value.
- Time
- 2 to 4 weeks
- Price
- $25K to $50K
A free diagnostic first, then the full readout: opportunity map, ROI model, 90-day plan, board-ready.
Explore Assess - Build the first workflowStage 2 of 3
Build
Ship the first workflow.
- Time
- 3 to 6 months
- Price
- $75K to $350K
A senior pod takes one function to Level 3 (software runs the workflow, people review the exceptions) in production. First workflow live by day 100.
Explore Build - Repeat it across the portfolioStage 3 of 3
Scale
Repeat it across the book.
- Time
- Per year, annual agreement
- Price
- $250K to $1.5M+
What ships at company one is the starting point at company two. 3 to 15 companies.
Explore Scale - A senior AI lead on retainerAlongside every stage
Advisory
Fractional AI leadership.
- Time
- Monthly, 3-month minimum
- Price
- $15K to $30K / mo
A Portfolio Success Partner for board reporting, governance, and vendor management.
Explore Advisory
Common questions.
What does Blue Orange do for fintech and payments companies?
We help fintech leaders scale, secure and streamline payment systems with real-time analytics, a cloud-native lakehouse and end-to-end governance. Fraud, underwriting and compliance are built into the transaction path. Fintech systems face mounting pressure to scale, stay compliant and support new products, and the lakehouse is where that pressure is met.
Which payments systems does Blue Orange integrate?
Stripe, Adyen and Square for acceptance, Visa and Mastercard for network data, and Plaid and Marqeta for data and issuing. We integrate acceptance, issuing and network data into a governed lakehouse, so risk, finance and product teams work from one real-time source of truth. We build on Claude and Databricks.
Can fraud detection run in the transaction path without slowing settlement?
Yes, that is the target. Fraud review moves from flagged payments reviewed by hand, to every transaction scored inline, to Level 3 (L3), where an agent checks in the transaction path and settlement is not slowed.
What problems does Blue Orange solve in payments?
Three. Data silos: disconnected systems block data sharing, collaboration and the insight that drives products. Compliance burden: meeting AML, KYC and data governance mandates is hard on outdated infrastructure. Limited scalability: legacy systems strain under the volume, velocity and storage demands of modern payments.
What does the PE sponsor see from a payments data program?
Fraud loss, compliance risk and cost to serve moving in the same monthly numbers. From the gateway to the ledger, we turn payments data into safer transactions, faster products and lower cost to serve, and what ships at one payments company is the starting point at the next.
How do we start, and what does it cost?
Book a free diagnostic. For a payments company it usually starts with payment reconciliation or fraud review: a read-only look at your acceptance, issuing and network data places you on our five AI maturity levels (L1 to L5), with a six-dimension readout and a ranked workflow list. Complimentary for qualified companies; the full Assess is 2 to 4 weeks at $25K to $50K fixed.