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"
]
};
Getting Started
To deploy a FinTech agent:
- Select the FinTech ontology during workspace setup
- Configure your payment gateway integrations
- Set compliance rules for your jurisdiction
- Start with L2 (Supervised) autonomy