FinTech Ontology

Comprehensive domain knowledge for digital financial services, including neobanking, payments processing, lending platforms, and regulatory technology.

Overview

The FinTech ontology equips AI agents with deep understanding of modern financial technology operations:

• Digital Payments: Payment processing, gateways, wallets
• Neobanking: Digital-first banking services
• Lending Platforms: P2P lending, BNPL, credit scoring
• Cryptocurrency: Digital asset operations, DeFi
• RegTech: Automated compliance and reporting

Ontology Layers

Role Layer

Define agent personas for FinTech operations:

roles:
  - name: Payment Operations Agent
    responsibilities:
      - Monitor transaction processing
      - Handle payment disputes
      - Manage gateway health
    permissions:
      - read: transactions, merchants, settlements
      - execute: refunds, chargebacks (with approval)

  - name: Compliance Agent
    responsibilities:
      - Monitor AML alerts
      - Verify KYC submissions
      - Generate regulatory reports
    permissions:
      - read: customer_data, transactions, alerts
      - execute: flag_suspicious, request_documents

  - name: Lending Operations Agent
    responsibilities:
      - Process loan applications
      - Monitor repayments
      - Handle collections
    permissions:
      - read: applications, credit_scores, repayments
      - execute: approve_loan (within limits), schedule_reminder

Domain Layer

Key Entities

Entity	Description	Key Attributes
Transaction	Payment movement	ID, Amount, Currency, Status, Type, Timestamp
Merchant	Payment acceptor	ID, MCC, Name, Settlement Account, Risk Score
Customer	End user	ID, KYC Status, Risk Score, Wallet Balance
Loan	Credit facility	ID, Principal, Rate, Term, Status, Borrower
Card	Payment instrument	Token, Type, Network, Limit, Status
Wallet	Digital balance	ID, Balance, Currency, Type

Entity Relationships

erDiagram
    CUSTOMER ||--o{ WALLET : owns
    CUSTOMER ||--o{ CARD : holds
    CUSTOMER ||--o{ LOAN : has
    CUSTOMER ||--o{ TRANSACTION : initiates
    MERCHANT ||--o{ TRANSACTION : receives
    TRANSACTION }|--|| PAYMENT_METHOD : uses
    LOAN ||--o{ REPAYMENT : has

Interaction Layer

Common Workflows

Payment Processing

sequenceDiagram
    participant C as Customer
    participant G as Gateway
    participant A as Agent
    participant N as Network
    participant M as Merchant

    C->>G: Initiate Payment
    G->>A: Authorize Request
    A->>A: Fraud Check
    A->>N: Network Authorization
    N-->>A: Auth Response
    A->>G: Decision
    G->>M: Settlement
    M-->>C: Confirmation

Loan Application

graph LR
    A[Application] --> B[Credit Check]
    B --> C{Score OK?}
    C -->|Yes| D[Income Verify]
    C -->|No| E[Decline]
    D --> F{Verified?}
    F -->|Yes| G[Offer Terms]
    F -->|No| H[Request Docs]
    G --> I[Acceptance]
    I --> J[Disbursement]

Regulatory Compliance

Regulation	Scope	Agent Actions
PSD2 (EU)	Payment services	SCA enforcement, open banking APIs
PCI-DSS	Card data	Tokenization, access logging
AML/CFT	Money laundering	Transaction monitoring, SAR filing
GDPR	Data privacy	Consent management, data deletion
CCPA	CA privacy	Opt-out handling, data requests
Basel III	Capital requirements	Risk exposure reporting

Prompt Templates

Transaction Analysis

You are a FinTech operations agent analyzing transaction patterns.

Transaction Details:
- ID: {transaction_id}
- Amount: {amount} {currency}
- Type: {type}
- Timestamp: {timestamp}
- Customer: {customer_id}
- Merchant: {merchant_name} (MCC: {mcc})

Customer Profile:
- Average transaction: {avg_amount}
- Typical merchants: {typical_merchants}
- Account age: {account_age}

Analyze this transaction for:
1. Fraud indicators (velocity, amount deviation, merchant risk)
2. Compliance flags (AML thresholds, unusual patterns)
3. Recommended action (approve/review/decline)

Provide reasoning for your recommendation.

Loan Assessment

You are a lending operations agent evaluating a loan application.

Application Details:
- Requested amount: {amount}
- Purpose: {purpose}
- Term: {term_months} months

Applicant Profile:
- Credit score: {credit_score}
- Income: {monthly_income}/month
- Debt-to-income: {dti_ratio}%
- Employment: {employment_status}
- Account history: {months_with_us} months

Evaluate:
1. Creditworthiness assessment
2. Recommended loan amount (may differ from requested)
3. Suggested interest rate tier
4. Required conditions or documentation
5. Risk classification (low/medium/high)

Chargeback Resolution

You are a dispute resolution agent handling a chargeback case.

Dispute Details:
- Transaction ID: {transaction_id}
- Dispute reason: {reason_code}
- Customer claim: {customer_statement}
- Amount: {amount}

Evidence Available:
- Transaction logs: {logs_summary}
- Delivery proof: {delivery_status}
- Customer history: {dispute_history}

Determine:
1. Validity of customer claim
2. Evidence strength for representment
3. Recommended resolution (accept/fight/partial)
4. Communication to customer

Integration Points

Payment Gateways

Gateway	Use Case	Agent Capabilities
Stripe	Global payments	Refunds, disputes, reporting
Adyen	Enterprise payments	Multi-currency, fraud rules
Square	SMB payments	POS integration, invoicing
PayPal	Consumer payments	Buyer/seller protection

Credit Bureaus

Bureau	Region	Data Available
Experian	Global	Credit scores, reports
TransUnion	US/Canada	Credit history, alerts
Equifax	Global	Credit monitoring
CIBIL	India	Credit scores

Banking APIs

API	Function	Agent Actions
Plaid	Account linking	Balance verification, transaction history
Yodlee	Data aggregation	Financial overview, categorization
Tink	Open banking	PSD2 compliance, payment initiation

Metrics & KPIs

Metric	Description	Agent Monitoring
Authorization Rate	Successful auth / total attempts	Alert if < 95%
Fraud Rate	Fraudulent / total transactions	Alert if > 0.1%
Chargeback Rate	Disputes / total volume	Alert if > 1%
NPL Ratio	Non-performing loans / total	Alert if > 3%
NPS	Customer satisfaction	Alert if < 40

Sample Agent Configuration

const fintechAgent = {
  name: "FinTech Operations",
  ontology: "fintech-v1",
  autonomyLevel: "L2", // Supervised

  capabilities: {
    transactionMonitoring: true,
    fraudDetection: true,
    customerService: true,
    complianceReporting: true
  },

  guardrails: {
    maxTransactionAmount: 10000,
    requireApprovalFor: [
      "refund_above_100",
      "account_closure",
      "credit_limit_increase"
    ],
    blockedActions: [
      "share_card_details",
      "bypass_kyc"
    ]
  },

  integrations: [
    "stripe",
    "plaid",
    "experian"
  ]
};

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Getting Started

To deploy a FinTech agent:

1. Select the FinTech ontology during workspace setup
2. Configure your payment gateway integrations
3. Set compliance rules for your jurisdiction
4. Start with L2 (Supervised) autonomy