AI consultancy for payments and finance operations

We help teams handle more volume without adding headcount at the same rate, from picking the first process to getting an AI agent into production.

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What we do

As volumes grow, so does the work in the back office: chargebacks to investigate, settlements to reconcile and supplier invoices to process. Usually the only answer is to hire more people.

AI agents can now take on much of this routine casework. We help mid-sized businesses and payments and fintech companies put those agents to work on their own processes, cutting the cost per case. Your operations can then scale without headcount growing at the same pace, and your team is free for the work that needs human judgement.

ScalePoint Research tests AI models across 11 clusters of these processes, including what each case costs at volume. We use the same tests and cost models in client work.

Merchant
Platform or marketplace
Acquirer or PSP
EMI or cross-border
Issuer or bank
Stablecoin or crypto

Payments and finance operations

AI can take on the routine casework

ChargebacksSettlement reconciliationSupplier invoicesBank reconciliationCard statement checksException handling+ 49 more →
The same back-office processes run in every type of firm.

Services

  1. 1

    Find the savings

    AI diagnostic

    Where could AI take cost out of our back office, and what would it save?

    2 to 3 weeks
  2. 2

    Choose the route

    Build, buy or hybrid

    Which software, models and partner should we use, and will it work on our cases?

    3 to 4 week sprint
  3. 3

    Pick the tools

    Software and partner selection

    Which vendor or partner should we pick, and what goes in the RFP?

    Shortlist and RFP pack
  4. 4

    Build it

    Build and hand over

    How do we turn the chosen route into a working agent our team can run?

    Scoped per process
  5. 5

    Check the value

    Value check

    Which pilots should go into production, and are live tools delivering what was promised?

    Scoped to your tools

Step 1 · AI diagnostic

We look at the payments and finance operations processes you still run by hand, such as chargebacks, reconciliations and supplier invoices, and work out where AI could take cost out.

The savings can come from your team handling more volume without adding headcount, and from people moving off routine casework onto work that needs their judgement.

You get

  • A business case for each process, covering cost per case, how much more volume the team can handle, and where people’s time goes instead
  • A recommendation on which process to start with
  • A view of what comparable firms are already doing with AI, so you can see where you stand
Alongside every step

Fractional Head of AI adoption

A few days a month to run AI adoption alongside your team, from picking use cases to moving pilots into production.

Training and speaking

Workshops, training and talks

Sessions for teams and conferences on AI in payments and finance operations, such as how to test models on your own cases.

For vendors

Independent evaluation

ScalePoint Research tests your product against your own claims and writes it up in a report your sales team can share, labelled as commissioned.

How independence works →
For vendors

Research reports

Market analysis, customer research and surveys your marketing team can publish under your brand, with ScalePoint Research credited as the research partner.

Talk it through

We're also happy to discuss what you need and scope a tailored project.

Backed by ScalePoint Research

S1, reading card statements: 25 usable models

0%1%2%3%0.1¢1¢10¢Price per statement (log scale) →↓ Fees wrong, plain promptClaude Opus 5.5Grok 4.7Gemini 3.8 FlashGLM 5.3Mistral Large 3GPT-5.5DeepSeek V4.1 Flash
0%1%2%3%0.1¢1¢10¢Price per statement (log scale) →↓ Fees wrong, plain promptClaude Opus 5.5Gemini 3.8 FlashMistral Large 3
Top left is cheap and accurate. Each dot is one model, plain prompt.

The projects above use the same tests and economic models as these studies.

Judgement calls in payments operationsS3 · Study → Reconciling settlementsS2 · Study → Reading card statementsS1 · Study →
Explore the research

Latest writing

All writing →
Note · AI economics · Nov 2026The capability overhang inside firmsMost of the value from AI in payments and finance operations over the next few years will come from models that already exist. Note · AI economics · Oct 2026Who owns the cost of AI errors, IT or operations?Firms can now pick a model for each step without leaving their cloud provider, and the cost of AI errors lands in the operations budget. Article · Models · Oct 2026Test design: what the model does and what code doesWhich steps the tests give to a model, which they leave to code, and the judgement skills they score.

Survey

How are firms approaching AI in payments and finance operations? ScalePoint Research is asking COOs, CFOs and heads of payments or finance operations. It takes about 7 minutes, and everyone who takes part gets the findings.

Take the survey

Background

Martin Koderisch

Martin spent ten years in operating roles at Citi, Mastercard and the start-up Luup, and more than ten years in consulting at Simon-Kucher and Edgar, Dunn & Company. At Edgar Dunn, latterly as a Principal, he worked on more than 75 engagements for banks, fintechs, card networks, private equity firms and merchants, from setting strategy to rolling out new products and processes. He set up ScalePoint in 2024 to advise payments and fintech businesses on strategic finance and value creation, and has since focused it entirely on AI consulting for payments and finance operations. He splits his time between London and Barcelona.

Start with a short call

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or email martin@scalepointpartners.com