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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 · Compliant

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

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