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NEXT-GENERATION

360 EMI

Micro AI Accelerator Platform for EMIs
Unifying compliance, revenue protection, risk management & regulatory reporting into one fully governed platform.
PS25/12

Ready

360°

Coverage

AI-First

Platform

Hybrid AI

Agentic + Regenerative

Explainability

No Blackbox AI

Micro AI

Targeted Accelerators

Accuracy

Domain-Tuned Models

Safety

8D Data Security
Available Globally
TSG 360 EMI

Platform Overview

360 EMI is a next-generation Micro AI accelerator platform that unifies customer revenue generation & protection, safeguarding, reconciliation, risk monitoring, onboarding and PS25/12 compliance & regulatory reporting into one fully governed platform.

Generate & Protect Revenue

Upsell & Churn Analytics

PS25/12 Regulatory Compliance

Automated FCA Audit Evidence Packs

AML & Fraud Prevention

Manage e-Wallet & Merchant Risk

 

360

EMI

Simple · Fast · Complian

360 Onboarding

AI Risk-Adaptive KYC/KYB Engine

Multi-Scheme Reconciliation AI

Across Visa, MC, FPS, SEPA & more

Real-Time Safeguarding Predictor

Breach Prediction & Liquidity Forecast
TSG 360 EMI

PS25/12 Compliance Features

Micro AI platform that ensures firms are PS25/12-ready in days

FCA PS25/12

Raises the bar on safeguarding by requiring daily reconciliations, audit-ready records and monthly reporting obligations.

Monthly FCA Safeguarding Returns

Annual Safeguarding Audit Pack

Unallocated / Unidentified Funds

3rd Party Due Diligence Management

Governance, MI & Oversight Dashboards

Safeguarding Policies Repository

Daily Safeguarding Reconciliations

Safeguarding Resolution Pack

Enhanced Books & Records

Insurance & Guarantee Compliance

Acknowledgement Letter Management

Real-Time Safeguarding Breach Predictor

TSG 360 EMI

Core AI Modules & Features

Six flagship modules that power the 360 EMI platform

EMI Onboarding

AI-powered, simple, fast & compliant onboarding — extracts document data, runs real-time compliance checks & prescribes monitoring based on merchant risk scores.

Wallet Network Risk Detection

Detects suspicious transaction patterns within wallet ecosystems using behavioural & network analytics to reduce fraud exposure and safeguarding risk.

Real-Time Safeguarding Predictor

Predicts safeguarding shortfalls by forecasting liquidity coverage based on transaction flows, settlement cycles and FX movements.

Multi-Scheme Reconciliation AI

Interprets Visa, Mastercard, Faster Payments & SEPA data — reconciling scheme listings, EMI ledger & safeguarding accounts with full day-logic.

Merchant Business Model Risk

Continuous merchant risk assessment using a deterministic regulatory scoring framework combined with AI-derived insights and monitored frequencies.

Safeguarding Governance Hub

Central AI hub for policy management, insurance & acknowledgement letters, 3rd party due diligence & regulatory reporting oversight workflows.
TSG 360 EMI

Enhanced AI Modules & Features

Advanced intelligence layers for deeper compliance, revenue and operational capability

AI-Driven UBO Ownership Mapping

Automates corporate ownership mapping — identifies UBOs via registry data, flags sanctioned entities & produces regulator-ready KYB documentation.

AI Fake Document Verification

Detects document fraud & tampering; enhances verification with biometrics & liveness checks; validates identity against authoritative sources.

AI Risk-Adaptive KYC/KYB Engine

Real-time adjustment of onboarding steps based on live risk signals — combines multiple inputs into a unified score and rescores customers as activity evolves.

AI Regulatory Change Scanner

Monitors regulatory updates, converts them into clear summaries, proposes updated controls & maintains an audit-ready impact timeline.

Predictive Customer Health & Churn

Early-warning health scores predict churn & dormancy via event-driven triggers. Best-action recommendations with uplift estimates and explainability.

AI-Driven Upsell, Cross-Sell & Personalisation

Next-best-action engine predicts upsell/cross-sell opportunities, triggers offers at strongest intent & optimises conversion, margin and ARPU/LTV.

AI Compliance Copilot

Consolidates all case data into one workspace, auto-drafts consistent decisions, generates SAR narratives & improves continuously from analyst edits.
TSG 360 EMI

Client Journey

A structured, rapid-deployment pathway from discovery to production

1

PS25/12 Readiness Assessment

1–2 Hours
2

Micro AI Acceleration Workshop

2-3 Days
3

Micro AI Working Model

3 Days
3

Micro AI Accelerator

TBC

AI-assisted safeguarding & reconciliation review

Compliance heatmap & gap identification

Remediation priorities

Operational efficiency gains

End-to-end workflow review

AI quick-win map: Gold · Platinum · Rhodium

Operational & compliance cost reduction

Revenue generation & protection opportunities

Functional AI working model for chosen quick-wins

PS25/12 AI automation demonstrated

AI models across onboarding, ops & compliance

Revenue generation areas covered

Rapid rollout of production-ready modules

Iterative delivery in 14-day cycles

Non-breaking, continuous deployment

‘Do it with you’ or ‘Do it for you’ models

PRODUCT TIERS

Choose Your Level of
AI-Powered Compliance

Every tier builds on the last — start where you are, scale as you grow.

STARTER
AI

Essential PS25/12 safeguarding automation, replacing manual spreadsheets with structured governance.

SILVER
AI

Audit-ready reporting & compliance, with one-click seamless FCA-compliant returns & reports.

GOLD
AI

Automated AML, multi-scheme reconciliation & predictive risk for proactive compliance at scale.

PLATINUM
AI

Regulatory intelligence & revenue optimisation — protect customers while driving ARPU growth.

MODULAR
AI

Pick-and-choose modules for regulatory, operational or growth needs — no full commitment needed.

Not sure which tier fits?
Our team will recommend the right tier based on your regulatory profile and growth goals.
Contact us!
FAQ

PS25/12 & EMI Safeguarding

Q1. What is PS25/12 and who does it apply to?
PS25/12 is the FCA’s policy statement enhancing the safeguarding regime for electronic money institutions and payment institutions, introducing stricter requirements around daily reconciliations, books and records, monthly safeguarding reporting, audits, and insolvency readiness.
Q2. What are the biggest changes introduced by PS25/12?
PS25/12 moves safeguarding from a periodic control to a daily, evidencedriven operating model, requiring internal and external reconciliations, enhanced overnance and resolutionready
records.
Q3. What does “daily safeguarding reconciliation” mean in practice?
It means EMIs must calculate customer liabilities and safeguarded resources every business day, compare them against bank and scheme data, identify discrepancies, and remediate sameday where required — with full audit trails.
Q4. What happens if a safeguarding shortfall is identified?
Any safeguarding shortfall must be remedied immediately, typically via a sameday topup using firm funds, escalated internally, documented with evidence, and disclosed through regulatory reporting where applicable.
Q5. Is monthly safeguarding reporting mandatory under PS25/12?
Yes. Firms must produce structured monthly safeguarding returns demonstrating safeguarding positions, reconciliation performance, breaches, nearmisses, remediation actions, and senior management oversight.
Q6. What is a safeguarding resolution pack?
A resolution pack is a maintained set of records enabling an insolvency practitioner to rapidly
identify safeguarded funds, thirdparty arrangements, and reconciliation history to ensure prompt return of customer funds in a failure scenario.
Q7. How does PS25/12 affect thirdparty relationships?
Firms must conduct enhanced due diligence and ongoing review of banks, custodians, agents, and insurers, ensure proper acknowledgment letters are in place, and consider concentration and contingency risks.
Q8. Are acknowledgment letters mandatory?
Yes. Safeguarding accounts must be supported by FCAcompliant acknowledgment letters, reviewed regularly and reflected in governance, audits, and resolution packs.
Q9. Does PS25/12 require safeguarding insurance?
Insurance or guarantees may be used instead of segregation, but they must meet strict conditions including insolvencyonly triggers, renewal monitoring, and fallback arrangements.
Q10. How does 360 EMI support PS25/12 compliance?
360 EMI operationalises PS25/12 through automated daily reconciliations, predictive breach monitoring, auditgrade evidence generation, monthly FCA reporting automation, thirdparty governance, and resolution pack readiness — all within a single platform.

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