TrustDecision, a Singapore-headquartered risk intelligence provider, has expanded its platform with domain-specific AI agents for credit risk and fraud detection, targeting banks and fintechs across Southeast Asia as the region moves from AI experimentation to live deployment.

The announcement was made at Money20/20 Asia in Bangkok, where the company outlined a shift in the challenge facing financial institutions — from whether AI should be used, to how it remains controllable and auditable in regulated production environments.

Closed-Loop Risk Decisioning

TrustDecision’s agentic AI capabilities are embedded within its unified risk decisioning platform and centre on two domain-specific agents. An Investigation AI agent handles fraud and money laundering case analysis — covering data retrieval, fund tracing, behavioural analysis, and report generation — enabling faster, more consistent workflows through human-AI collaboration. A Rule Mining AI agent converts investigation outcomes and risk signals into deployable rules and model features, allowing institutions to build reusable, continuously improving risk strategies rather than managing cases individually.

Together, the agents form a closed-loop system connecting detection, investigation, and strategy optimisation. The company’s clients include Hong Leong Bank, Mandiri, Bank Jago, Toyota Auto Finance, Kredivo, and Adakami.

Governance Over Capability

TrustDecision is positioning its approach around human-AI collaboration rather than full autonomy, arguing that higher-risk decisions must remain under human oversight while AI handles high-volume, lower-risk tasks such as transaction flagging and application pre-scoring.

“Many incumbent banks are actively exploring AI today, and the pace of technological advancement has been faster than expected. But in regulated financial environments, the focus is not just autonomy, it’s on control.”
— Henry Li Nan, Managing Director for Singapore, Malaysia & Thailand, TrustDecision

Thailand is a key near-term market: the country’s first batch of virtual banks is expected by mid-2026, creating demand for digital-first, compliant operating environments. TrustDecision operates across 10 countries, serving more than 1,000 clients in Southeast Asia, MENA, and LATAM.

“The capability questions are largely answered. AI can make faster, more consistent decisions than manual processes in almost every financial workflow we handle. In regulated financial services, the more important question is how the system behaves once it is live.”
— Dr Simon Liu, Chief Data and AI Officer, TrustDecision

Financial fraud across Southeast Asia has grown into a multibillion-dollar criminal enterprise, with scam operations generating over US$64 billion in illicit profits annually, according to figures cited by the company. TrustDecision says its AI agents help institutions accelerate fraud investigations and convert case insights into systematic, reusable risk rules.