Global research from Hawk and Chartis reveals how Payment and FinTech companies are entering a new stage of artificial intelligence (AI) maturity, using advanced technologies to improve detection, streamline investigations, and reinforce compliance.

This report uncovers how payment companies are applying Machine Learning, Generative AI, and Agentic AI to transform the speed, precision, and scalability of their compliance programs.

Key Findings:

AI Delivers Tangible ROI

• Detection accuracy ranks as the #1 benefit of AI, cited by over half of firms surveyed

• Faster investigations and reduced operational costs follow closely behind

• 73% of payment firms already report AML cost savings, and nearly one-third of responders expects the savings to exceed $5 million within the next year

Firms Optimistic on GenAI & Agentic AI

• 94% of respondents expect AI investment to increase

• 88% say they will increase investment in GenAI, particularly to realize benefits in document and data processing and improved investigative efficiency

• 84% will invest in Agentic AI, with gains expected in case investigations and SAR drafting

   

Why it Matters:

AI is no longer experimental — it’s essential.
And the players that master scaling will lead the next generation of compliance innovation.