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香港 – Media OutReach Newswire – 2026年6月22日 – 屈臣氏集團宣布成立屈臣氏集團brand lab，一個以數據驅動的品牌創建與拓展平台，透過集團全球零售生態系統，以系統化方式發掘、培育及拓展品牌。平台建基於屈臣氏集團完善O+O（線下及線上）平台優勢、廣泛的店舖網絡，及來自超過1.8億名會員的消費模式，令品牌以高效、有系統且一致的方式，迅速於多個市場拓展品牌。

屈臣氏集團brand lab憑藉集團多年來建立的品牌發展經驗及實力，結合數據分析能力、全渠道營運網絡及市場執行能力，透過遍及亞洲及歐洲超過17,000家 O+O 店舖，協助品牌快速增長。

過去兩年，屈臣氏集團在其零售網絡引進超過4,800個全新品牌及其產品，充分展現集團於品牌發展方面的實力。

從品牌孵化走向市場實踐

有別於傳統品牌孵化器模式，屈臣氏集團brand lab將品牌發展直接融入其龐大的零售生態系統之中。

我們並非在品牌進入市場前才進行培育，而是在真實市場內，透過實時數據、購物行為及品類趨勢分析，協助品牌作出發展決策。

屈臣氏集團行政總裁倪文玲博士表示，這個模式充分展現集團的獨特優勢：「我們不會等待品牌尋找適當的市場，而是在已經存在需求、真實的市場環境中建立品牌，並透過集團的零售生態拓展品牌規模。」

以系統化模式推動品牌增長

屈臣氏集團brand lab的核心是一套完整的營運模式，將市場洞察、品牌創建、分銷渠道、需求增長及規模化發展緊密連繫。

平台充分運用集團超過1.8億名會員的消費行為分析及 O+O能力，加快品牌篩選及市場執行，協助品牌更快把握市場機遇，實現增長。

規模化的品牌發展路徑

集團以結構緊密的發展模式，為加入屈臣氏集團brand lab的品牌提供全面支援，由初期市場驗證到拓展至不同市場，再領導產品類別。

於各階段提供針對性的支援，包括市場分析、銷售網絡、品牌推廣及投資配置，確保資源投放於高潛力機會，推動品牌持續穩健增長。

這種分階段發展模式讓屈臣氏集團能更有系統地發掘、培育及拓展品牌，提升成功率，同時實現更高效及審慎的資源配置。

聚焦高增長品類

屈臣氏集團brand lab專注於高增長產品類別，包括亞洲美妝趨勢（韓、日、內地美妝）、成分導向護膚產品、健康與保健產品，及個人護理產品，以把握不斷演變的消費趨勢及市場需求。集團預計透過平台，進一步提升發展自家及獨家品牌的實力，同時加快產品推出市場的速度，提升資源運用效率。

成功拓展規模的品牌

初步成果顯示，屈臣氏集團brand lab 能有效將市場分析力轉化為增長動力，不僅協助品牌發展，更透過整合的O+O生態系統，推動品牌於不同市場拓展規模。

在不同品類及市場中，平台成功協助品牌由單一市場拓展至多個市場，實現快速而一致的增長：

COSRX（韓系美妝）– 結合COSRX以創新為導向的護膚專業，以及屈臣氏集團廣泛的零售網絡與深入的顧客分析，成功加快品牌拓展國際市場，並擴大顧客群，可見平台能將品牌優勢，轉化為跨市場的持續增長動力。

&honey（日系美妝）– 憑藉其鮮明的產品定位，結合集團於亞洲市場的規模優勢，&honey 在短時間內由日本市場拓展至多個亞洲市場，展現平台能有系統地將成熟的本土領導品牌，拓展至多個市場。

e.l.f. Cosmetics（美國）-透過與屈臣氏集團合作，e.l.f. 成功將其以社群為核心及高性價比的品牌理念拓展至歐洲市場，將品牌參與度轉化為顯著的市場滲透率。平台成功將以顧客為中心的品牌，透過當地的市場分析及執行，進一步拓展規模。

essence（德國）– essence成功拓展多個新市場，包括建立獨家合作夥伴，充分展現在整合分銷及零售分析的支持下，具明確理念的品牌能在提升市場覆蓋的同時，保持一致的品牌體驗。此例子突顯平台持續提升品牌影響力、深化顧客忠誠度，以及在不同市場建立長遠價值。

以上例子充分展現，品牌能透過一套清晰而一致的模式實現規模化發展。結合數據驅動的品牌甄選、整合分銷網絡及協調的市場執行，品牌得以逐步拓展至多個市場，印證屈臣氏集團brand lab作為品牌增長引擎的優勢，能夠以系統化及可複製的模式，支持品牌拓展規模。

建立可複製的增長引擎

屈臣氏集團brand lab 進一步強化屈臣氏集團的零售優勢，不僅作為分銷渠道，更成為推動品牌孵化及規模化的增長引擎。

此舉標誌著集團由以往機會導向的品牌引入模式，邁向更具系統性及可複製的增長機制，進一步鞏固以速度及一致性推動品牌發展的能力，同時持續提升整體品牌組合的長遠價值。

展望未來，屈臣氏集團將繼續與不同品牌夥伴及具潛力的品牌合作，確保發展方向及理念一致。更多詳情，請瀏覽 屈臣氏集團brand lab官方平台：https://www.aswatson.com/zh/asw-brand-lab

Hashtag: #ASWatson

The issuer is solely responsible for the content of this announcement.

關於屈臣氏集團

屈臣氏集團於1841年創立，扎根於亞洲，是全球歷史最悠久、最備受肯定的零售商之一。集團現時在31個市場經營12個品牌合共超過17,000家商店，並在全球聘用約13萬人，讓屈臣氏集團成為全球最大的國際健康與美容零售集團。

集團2025年財政年度的營業額超過260億美元，每年透過我們的O+O（線下及線上）平台服務超過60億名顧客，為他們帶來無縫的線下及線上零售體驗。

集團每年為超過180個慈善及非牟利機構提供支援，在各個營運市場服務逾40,000小時，為超過37萬名有需要人士送上關懷。

屈臣氏集團是跨國綜合企業長江和記實業有限公司的成員。長江和記業務遍及超過50個國家，經營港口及相關服務、零售、基建及電訊等四項核心業務。

詳情請瀏覽www.aswatson.com/our-company/o-and-o-strategy/。

HONG KONG SAR – Media OutReach Newswire – 22 June 2026 – AS Watson Group has launched AS Watson brand lab, a data-driven brand creation and scaling platform designed to systematically identify, develop, and grow brands across its global retail ecosystem. Built on the company’s integrated O+O (Offline plus Online) capabilities, extensive distribution network, and deep consumer insight from over 180 million loyalty members, the platform transforms how brands are brought to market – enabling both the creation of new propositions and the rapid scaling of brands across multiple markets with speed, discipline and consistency.

The initiative formalises capabilities the Group has been building internally, combining data-led demand identification, integrated distribution, and execution across more than 17,000 O+O stores in Asia and Europe.

Over the past two years, AS Watson has introduced more than 4,800 new brands and brand extensions across its network, underscoring the scale of its brand development activity.

From Incubation to Execution

AS Watson brand lab departs from traditional incubator models by embedding brand development directly within AS Watson’s retail ecosystem.

Rather than incubating brands ahead of their market entry, the platform operates inside the market, using real-time customer data, shopping behaviour and category dynamics to inform development decisions.

Dr Malina Ngai, Group CEO of AS Watson, said the model reflects the company’s structural advantage. “We don’t wait for brands to find the market – we build them where demand already exists, and scale them through our ecosystem.”

A Systemised Growth Model

At the core of AS Watson brand lab is an integrated operating model linking insight, creation, distribution, demand activation and scaling.

The platform leverages AS Watson’s over 180 million loyalty members and O+O capabilities to accelerate brand selection and commercial execution.

A Structured Pathway to Scale

Brands within AS Watson brand lab are supported through a structured growth pathway, progressing from early-stage validation to regional scaling and category leadership.

At each stage, brands receive differentiated support across insight, distribution, marketing activation and investment, ensuring resources are focused where the greatest growth potential exists.

This staged approach enables AS Watson to systematically build, scale and prioritise brands, improving success rates while maintaining disciplined capital allocation.

Focus on High-Growth Segments

AS Watson brand lab will prioritise product segments including Asian beauty trends (K-beauty, J-beauty, C-beauty), ingredient-led skincare, health and wellness products and elevated personal care – areas where consumer demand continues to evolve rapidly.

The Group expects the platform to strengthen its ability to build proprietary and exclusive brands while improving speed-to-market and capital efficiency.

Proven Brand Scaling in Action

Early outcomes demonstrate how AS Watson brand lab translates insight into accelerated growth – not only by shaping brand development, but by scaling brands rapidly across markets through its integrated O+O ecosystem.

Across multiple categories and geographies, the platform has enabled brands to move from targeted market entry to multi-market expansion with speed and discipline:

COSRX (K-Beauty)– By combining COSRX’s innovation-led skincare expertise with
AS Watson’s extensive retail footprint and deep consumer insights, the partnership has accelerated international expansion and broadened consumer reach. This illustrates how the platform converts strong brand propositions into sustained category growth across markets.

&honey (J-Beauty) – Leveraging its distinctive product positioning alongside
AS Watson’s regional scale, &honey rapidly expanded beyond its home market, rolling out across multiple Asian markets within a short timeframe. This demonstrates the platform’s ability to systematically scale proven domestic leaders into regional brands.

e.l.f. Cosmetics (US) – Through partnership with AS Watson, e.l.f. has extended its community-led, value-driven model across Europe, translating strong brand engagement into measurable market penetration. The example highlights how consumer-centric brands can be amplified through local market execution at scale.

essence (Germany) – The expansion of essence across multiple markets, including exclusive partnerships, reflects how purpose-driven brands can achieve consistency and reach when supported by integrated distribution and retail insight. This underscores the platform’s ability to build sustained brand relevance and loyalty across diverse markets.

Across these examples, brands have scaled through a consistent model – combining data-led selection, integrated distribution, and coordinated market execution – demonstrating how AS Watson brand lab functions as a repeatable engine for brand growth, from market entry through to regional scale.

Scaling a Repeatable Engine

AS Watson brand lab positions AS Watson to leverage its retail footprint not only as a distribution channel, but as an engine for brand creation and scaling.

The initiative signals a shift from opportunistic brand sourcing towards a structured, repeatable growth model, reinforcing AS Watson’s ability to scale brands with speed, discipline and consistency while driving long-term portfolio value.

AS Watson continues to engage with selected brand partners and emerging brands aligned with its focus areas, with further information available through its official
AS Watson brand lab platform (https://www.aswatson.com/asw-brand-lab)

Hashtag: #ASWatson

The issuer is solely responsible for the content of this announcement.

About AS Watson Group

Established in 1841, AS Watson Group is one of the world’s longest-standing and most recognised retail companies with roots in Asia. Today, the company operates over 17,000 stores across 12 retail brands in 31 markets, employing 130,000 people globally. This makes AS Watson Group the largest international health and beauty retailer in the world.

In the fiscal year 2025, AS Watson Group reported revenue of over US$26 billion. The company’s technology-enabled O+O (Offline plus Online) platforms serve over 6 billion shoppers annually, seamlessly integrating physical and digital retail experiences.

AS Watson Group supported over 180 charitable and non-profit organisations every year, dedicating over 40,000 hours of volunteer work to serve over 370,000 people in need in our operating markets.

AS Watson Group is also a member of the world-renowned multinational conglomerate CK Hutchison Holdings Limited, which has four core businesses – ports and related services, retail, infrastructure and telecommunications in over 50 countries.

Please visit www.aswatson.com/our-company/o-and-o-strategy/ for more information.

A stream of partnership propose heightened tech and business connections across continents

HONG KONG / PARIS, FRANCE – Media OutReach Newswire – 22 June 2026 – Hong Kong Science and Technology Parks Corporation (HKSTP) has successfully concluded its Paris delegation to Viva Technology (VivaTech) 2026, which celebrated its 10th anniversary as a global stage for ambitious startups from June 17 to 20. HKSTP reinforces its impactful role as Asia’s I&T ecosystem orchestrator, by confirming the signing of multiple memorandums of understanding (MOU) between Park companies and the European I&T community:

• Microalgae expert Algreen, signed with ForNatures, a South Korean Climate Tech company that specialises in carbon capture management, in amplifying mutual research and development capabilities to take a step closer to ESG goals.
• Robotics solutions provider Robocore, signed with ARCHTYP, a Slovenian cognitive software startup, enabling the display of a differentiating layer on a proven platform to reach market demands, while also closing deals with French advertising guru JCDecaux, to supply a thousand robots and extend its reach in the European market.
• The appeal and use cases of LeafIoT‘s green asset management has caught the eyes of European’s professionals in the preservation sector, including the French Agricultural Research Centre for International Development (CIRAD), the Catalonian landscaping and environmental restoration company Gremi de Jardineria de Catalunya, and notably, Professor Andrea Galli from the Laboratory of Geotechnical Analysis and Modelling (GeoT-LAM) at Politecnico di Milano, all taking solid steps in exploring new opportunities and breakthroughs and boosts in market reach.

The annual showcase put a spotlight on enabling founders to connect with the local I&T community, explore market access, and forge global partnerships via pitching and matching sessions, networking mixers, and investor engagement. Compared with VivaTech 2025, this year’s delegation achieved even stronger momentum with over 50% growth in opportunities, totalling more than 200 potential business leads worth HK$70M in total.

HKSTP’s growing presence at VivaTech reflects its mission to open new doors for Hong Kong’s startups, build pathways into European markets and create reciprocal opportunities for European innovators to enter Asia through Hong Kong’s strategic location in the world’s No.1 innovation cluster – Guangdong-Hong Kong-Macao GBA (World Intellectual Property Organisation Innovation Index).

Terry Wong, CEO of HKSTP, said: “France and the EU represent critical opportunities for Hong Kong and Chinese Mainland I&T ventures to scale globally. VivaTech provides a world-class platform for collaboration, co-creation, and knowledge exchange. Our strong ties with French partners underline the importance of Hong Kong as a global launchpad for innovation, supporting startups on their journey from local success to international impact.”

Highlights this year include the expansion of HKSTP’s partnership with Bouygues Construction, a global leader in sustainable construction and infrastructure headquartered in France, and operates across more than 60 countries and is recognised for delivering major projects in transport, energy, real estate, and smart cities.

Through its Hong Kong arm, Dragages Hong Kong, Bouygues has maintained a 70-year legacy in Hong Kong, contributing to iconic infrastructure projects and championing innovation in areas such as construction safety, modular design, green materials, and site automation. HKSTP is the first and only institution in Hong Kong to bridge tech venture directly into the Bouygues Construction “Scale One: programme, providing a fast track to prototyping and commercialisation. This initiative sets a new benchmark for cross-border industrial innovation partnerships, accelerating global impact for Hong Kong startups through trusted collaborations with leading European enterprises.

Building on existing strong foundations, Bouygues Construction is now stepping up collaboration with HKSTP beyond Asia, offering selected Hong Kong startups the chance to showcase solutions at Bouygues’ headquarters in France, with opportunities for solution validation and pilot trials across European operations.

The Hong Kong Tech Pavilion, organised by the Hong Kong Trade Development Council (HKTDC) and supported by partners including HKSTP, showcased market-ready solutions spanning AI, green- and health tech from 24 tech ventures, and marked a major milestone in creating a direct bridge between Hong Kong and Europe’s heart of innovation and technology.
Hashtag: #HKSTP

The issuer is solely responsible for the content of this announcement.

HKSTP

More information about HKSTP is available at www.hkstp.org.

香港 – Media OutReach Newswire – 2026年6月22日 – 有意進軍大灣區拓展業務的創業者，過去往往因兩地奔波處理工商稅務登記、排隊遞交表格等繁瑣流程而卻步。隨著前海深化改革「擴區」，並與寶安區深度協同發展，港人赴內地創業的政務門檻已顯著降低。由深圳市寶安區政務服務和資料管理局牽頭打造的「深港寶安e站通」現已正式登陸香港，並與前海管理局打造的跨境政務平台「前海港澳e站通」實施聯動，服務站點全面覆蓋港島、九龍與新界。

“深港寶安e站通”同步推出註冊易、辦稅易、社保通三大特色服務包，覆蓋企業註冊、稅務辦理、社保諮詢等110余項高頻事項，如今，投資者無需跨境，在香港本地即可一站式辦理政務事項，真正實現「足不出港，留港一站式辦理深圳寶安企業」。

“深港通註冊易”在香港地區設立三個服務站點，面向計畫前往深圳市寶安區投資設企的投資者，提供4項全流程商事登記跨境服務。服務涵蓋政策專業諮詢、申報材料指導、紙質檔代收、在港領照取章等核心環節，有效免去申請人往返深港兩地遞交材料的奔波與繁瑣，推動商事登記服務實現”就近辦、跨境辦、一站辦”。

“深港通辦稅易”以數位化智慧辦稅場景為支撐，全面整合60項港人港企高頻涉稅服務事項，推動”遠端辦””輔助辦””郵寄辦”三大服務模式延伸至香港地區。通過統一辦理標準、優化服務流程，實現同一涉稅事項在香港地區無差別受理、同標準辦理，持續提升跨境辦稅便利度與智慧化水準。

“灣區社保一窗通”通過設立社保專窗，在香港地區為港人港企提供55項社保業務諮詢及申請資料轉遞服務，促進深港人力資源要素高效、便捷流動，為粵港澳大灣區吸引和引進高層次人才提供支援，助力構建更具競爭力的國際化人才發展環境。

「前海港澳e站通」、「深港寶安e站通」港島、九龍、新界三大網站資料
港島網站地址：香港中環花園道1號中銀大廈63樓A室
九龍網站地址：九龍尖沙咀梳士巴厘道3號星光行12樓1210室
新界網站地址：新界沙田石門安耀街2號新都廣場2樓全層
電子郵箱：info@qianhai.com.hk
電話：（852）34629800

Hashtag: #前海

The issuer is solely responsible for the content of this announcement.

该平台提供“由您的团队掌控的代理式风险智能”，将彻底改变金融机构的反欺诈、反洗钱、客户尽职调查（KYC）及争议处理业务

印度孟买 – NewsVoir – 2026年6月22日 – 作为PayU旗下公司及领先的支付安全解决方案提供商，Wibmo在其于孟买Jio World会议中心举办的旗舰行业盛会”保障数字支付安全：创新、智能与信任”上，正式发布了“Wibmo代理式风险智能助手”（ARIA）。该平台由人工智能驱动，旨在革新反金融犯罪业务。

ARIA旨在支持银行和支付服务提供商（PSP）的风险团队，将人工智能驱动的分析与人类决策及问责机制相结合。鉴于数字支付欺诈挑战日益复杂，这一举措具有极高的现实意义。随着支付生态系统的持续增长，金融机构正致力于提高运营风险管理的效率，同时保持强有力的治理和监督。

早期建模数据显示，ARIA通过智能体的实时介入，将调查时间缩短了70%以上，使团队的每位全职员工每天处理的案件显著增多。ARIA的目标是将建议准确率提升至接近90%，旨在改善各风险运营团队的质量指标。

ARIA通过引入专门的人工智能体，支持数据聚合、分析和建议草拟，同时在每个关键节点保留人工决策权和治理控制，从而彻底改变了金融机构处理风险运营的方式。

ARIA整合了调查、决策支持和运营执行方面的能力。该平台从交易数据、风险模型、客户及商户历史记录、相关联的交易以及历史欺诈模式中收集信号，从而实现数据聚合的自动化——这一过程通常会占用分析师大量工作时间。借助前沿的人工智能模型，ARIA可生成列出证据的裁决结果，通过多信号推理识别新兴模式，并提供透明且可审计的建议。该平台还支持基于标准操作流程的解决方案、客户及商户沟通、减少误报，并针对新兴异常情况提供主动防御机制。

Wibmo首席执行官Shailesh Paul表示：“随着欺诈手段日益复杂，监管要求也不断演变，风险运营团队必须在资源有限的情况下应对日益增长的复杂性。ARIA旨在通过将人工智能的速度与分析能力，与人类专业知识所具备的判断力、监督能力及问责机制相结合，帮助金融机构实现智能规模化发展。虽然人工智能体会协助进行数据分析和提供建议，但每一项关键决策仍始终牢牢掌握在人类手中。

与完全自主的人工智能系统不同，”Wibmo代理式风险智能助手“采用专为企业级金融机构设计的”治理优先”架构。每项建议仍需通过现有的审批机制，不会自动执行操作；同时，所有分析均由透明的推理链和全面的审计追踪记录提供支持。该平台将反欺诈、反洗钱、客户尽职调查及争议处理等领域的专业智能体整合到统一框架中，并为每个智能体的操作提供可回放的审计记录和完整的操作溯源。

此次发布会汇聚了来自银行、金融科技公司、支付网络及科技机构的50余位高管，共同探讨数字支付安全领域不断演变的挑战以及人工智能驱动的欺诈防范的未来。来自PayU、NPCI Bharat Billpay、Visa、万事达卡、Flipkart、CSB银行、Jio Payment Solutions和Network International的演讲嘉宾参与了关于收单欺诈风险管理、身份验证技术以及基于风险的决策等议题的讨论。

Hashtag: #Wibmo

The issuer is solely responsible for the content of this announcement.

关于Wibmo

Wibmo 是 PayU 旗下公司，业务遍及印度、美国和印度尼西亚。作为一家全球性的全栈支付科技公司，以及新兴市场支付安全与数字支付领域的行业领导者，Wibmo以其创新精神和深远影响脱颖而出。

除了作为全球领先的数字支付市场之一——印度——最大的身份验证服务提供商外，Wibmo 还提供全面的反欺诈与风险管理解决方案、数字金融服务、预付卡解决方案以及广泛的商户收单服务。了解更多信息，请访问：https://wibmo.com/

「エージェント型のリスクインテリジェンスを思いのままに動かす」ことが可能なプラットフォームにより、金融機関における不正対策、AML、KYC、異議申し立て対応を変革

インド・ムンバイ – NewsVoir – 2026年6月22日 – PayU傘下企業で決済セキュリティソリューションを提供する主力企業のWibmoは、ムンバイの国際会議場Jio World Convention Centreで開催した旗艦業界イベント「Securing Digital Payments: Innovation, Intelligence & Trust（デジタル決済の保護：イノベーション、インテリジェンス、信頼性）」において、金融犯罪対策を大きく変革するAI搭載プラットフォーム「Wibmo Agentic Risk Intelligence Assistant（ARIA）」を発表しました。

ARIAはAIによる分析を人による意思決定や説明責任と組み合わせ、銀行や決済サービスプロバイダー（PSP）のリスク部門を支援します。デジタル決済における不正がますます複雑な課題となる中、これは非常に重要なポイントです。決済エコシステムの継続的な成長に伴い、金融機関は強固なガバナンスや監督体制を維持しながら、オペレーショナルリスク管理を効率化することに注力しています。

初期段階のモデリングによると、ARIAはリアルタイムに動作するエージェントにより、調査時間を70%以上削減し、担当者1人当たり（FTE）の1日の処理件数を大幅に伸ばせることが示されています。ARIAは90%近いレコメンデーション精度の実現を目指しており、リスクオペレーションチーム全体の品質指標を向上できるよう設計されています。

ARIAは、データの集約、分析、レコメンデーション作成を支援する専門AIエージェントを導入しつつ、あらゆる重要な局面において人による意思決定権限やガバナンス管理を確保することで、金融機関におけるリスクオペレーションへのアプローチを根本から刷新します。

ARIAは、調査、意思決定支援、業務遂行の機能を広く統合しています。このプラットフォームは取引、リスクモデル、顧客履歴や加盟店履歴、関連する取引、過去の不正パターンから信号を収集し、従来アナリストの作業時間の多くを占めていたデータ集約業務を自動化します。ARIAは最新のAIモデルを活用して、根拠を参照した判定を生成し、複数のシグナルを元にした推論から新たなパターンを特定し、透明性が高く監査可能なレコメンデーションを提供します。また、このプラットフォームは標準業務手順（SOP）に沿った対応、顧客や加盟店とのコミュニケーション、誤検知の抑制、新たな異常に対する積極的な防御機構を実現します。

Wibmoの最高経営責任者（CEO）であるShailesh Paulは次のように述べています。「不正の手口が巧妙化し、規制要件が変化し続ける中、リスクオペレーションチームはますます複雑化する状況に、限られたリソースで対応しなければなりません。ARIAは、AIの高い処理速度や分析力を、人間の専門性に基づく判断力、監督体制、説明責任と組み合わせることで、金融機関がインテリジェントに事業を拡大できるよう設計されています。データ分析やレコメンデーションをAIエージェントに支援してもらいながら、重要な判断はこれまでどおり人間がしっかりと管理していくことが可能です。」

WibmoのAgentic Risk Intelligence Assistant（ARIA）は、完全自律型のAIシステムと異なり、大手金融機関向けに設計された、ガバナンスを中核とするアーキテクチャにより構築されています。レコメンデーションはすべて、これまでどおり、既存の承認プロセスを経て処理され、本番環境で自律的にアクションが実行されないようになっており、分析はすべて透明な推論チェーンと包括的な監査証跡により裏付けられます。このプラットフォームは、不正対策、アンチマネーロンダリング（AML）、顧客確認（KYC）、異議申立て対応に特化したAIエージェントを単一のフレームワークに統合し、各エージェントのすべての行動について、再現可能な監査機能と、業務の完全な来歴情報（プロビナンス）を提供します。

発表イベントには、銀行、フィンテック企業、決済ネットワーク事業者、テクノロジー組織から50名を超える幹部が結集し、デジタル決済セキュリティにおける変化する課題や、AIを活用した不正防止の未来について議論が行われました。PayU、NPCI Bharat Billpay、Visa、Mastercard、Flipkart、CSB Bank、Jio Payment Solutions、Network Internationalの講演者が登壇し、アクワイアリング業務における不正リスクの管理、認証技術、リスクに基づく意思決定に関する議論を行いました。

Hashtag: #Wibmo

The issuer is solely responsible for the content of this announcement.

Wibmoについて

PayU傘下のWibmoは、インド、米国、インドネシアで事業を展開しています。フルスタック型の決済テクノロジーをグローバルに提供し、新興市場において決済セキュリティおよびデジタル決済を牽引するWibmoは、その革新性と影響力において際立つ存在となっています。

世界有数のデジタル決済市場であるインドにおける最大の認証サービスプロバイダーであるほか、不正・リスク管理ソリューション、デジタル金融サービス、プリペイドソリューション、幅広い加盟店アクワイアリングサービスを総合的に提供しています。詳しくは、https://wibmo.com/をご覧ください。

Platform delivers “Agentic Risk Intelligence Under Your Team’s Command” – transforming fraud, AML, KYC, and dispute operations for financial institutions

MUMBAI, INDIA – NewsVoir – 22 June 2026 – Wibmo, a PayU company and leading provider of payment security solutions, unveiled Wibmo Agentic Risk Intelligence Assistant (ARIA), an AI-powered platform designed to transform financial crime operations, at its flagship industry event ‘Securing Digital Payments: Innovation, Intelligence & Trust’ held at Jio World Convention Centre, Mumbai.

ARIA is designed to support risk teams at banks and PSPs, combining AI-driven analysis with human decision-making and accountability. This is highly relevant now, as digital payment fraud challenges becoming increasingly complex. With the sustained growth in the payments ecosystem, financial institutions are focused on improving operational risk efficiency while maintaining strong governance and oversight.

Early modelling shows ARIA achieving over 70% reduction in investigation time through agents acting in real-time, enabling teams to process significantly more cases per FTE per day. ARIA targets delivering recommendation accuracy close to 90%, designed to improve quality metrics across risk operations teams.

ARIA represents a fundamental shift in how financial institutions approach risk operations by introducing specialized AI agents that support data aggregation, analysis, and draft recommendations, while preserving human decision-making authority and governance controls at every critical juncture.

ARIA combines capabilities across investigation, decision support, and operational actioning. The platform gathers signals from transactions, risk models, customer and merchant history, linked transactions, and historical fraud patterns to automate data aggregation that typically consumes significant analyst bandwidth. Using frontier AI models, ARIA generates evidence-referenced verdicts, identifies emerging patterns through multi-signal reasoning, and provides transparent, auditable recommendations. The platform also enables SOP-driven resolutions, customer and merchant communications, reduction of false alerts, and proactive defence mechanisms against emerging anomalies.

Shailesh Paul, CEO, Wibmo, said,“As fraud becomes more sophisticated and regulatory expectations continue to evolve, risk operations teams must manage growing complexity with limited resources. ARIA is designed to help institutions scale intelligently by combining the speed and analytical capabilities of AI with the judgment, oversight, and accountability of human expertise. While AI agents assist with data analysis and recommendations, every critical decision continues to remain firmly under human control.”

Unlike fully autonomous AI systems, Wibmo’s Agentic Risk Intelligence Assistant is built with a governance-first architecture designed for enterprise financial institutions. Every recommendation continues to flow through existing approval mechanisms without autonomous production actions, while all analyses are supported by transparent reasoning chains and comprehensive audit trails. The platform brings together specialized agents across fraud, AML, KYC, and disputes within a unified framework, alongside replayable audits and complete operational provenance for every agent action.

The launch event brought together more than 50 senior leaders from banks, fintechs, payment networks, and technology organizations to discuss evolving challenges in digital payment security and the future of AI-led fraud prevention. Speakers from PayU, NPCI Bharat Billpay, Visa, Mastercard, Flipkart, CSB Bank, Jio Payment Solutions, and Network International participated in discussions around acquiring fraud risk management, authentication technologies, and risk-based decisioning.

Hashtag: #Wibmo

The issuer is solely responsible for the content of this announcement.

About Wibmo

Wibmo, a PayU company, operates across entities in India, the US, and Indonesia. As a global full-stack PayTech company and an industry leader in payment security and digital payments in emerging markets, Wibmo stands out for its innovation and impact.

In addition to being India’s largest authentication service provider in one of the leading digital payment markets globally, Wibmo offers comprehensive fraud and risk management solutions, digital financial services, prepaid solutions, and a broad range of merchant-acquiring services. Learn more at: https://wibmo.com/

팀 통제 아래 구현되는 ‘에이전틱 리스크 인텔리전스‘ 제공

은행·금융기관의 사기ㆍ자금세탁방지(AML)ㆍ고객확인(KYC)ㆍ분쟁 처리 업무 혁신 지원

뭄바이, 인도 – NewsVoir – 2026년 6월 22 – 페이유(PayU) 산하 결제 보안 솔루션 전문기업인 위브모(Wibmo)가 인도 뭄바이의 ‘지오 월드 컨벤션 센터(Jio World Convention Centre)’에서 열린 ‘디지털 결제 보안: 이노베이션, 인텔리전스, 트러스트(Securing Digital Payments: Innovation, Intelligence & Trust)’에 참가해 금융범죄 대응 혁신을 지원하는 AI 기반 플랫폼 ‘위브모 에이전틱 리스크 인텔리전스 어시스턴트(Agentic Risk Intelligence Assistant, ARIA)를 선보였다.

ARIA는 은행 및 결제서비스제공업체(PSP)의 리스크 운영팀을 지원하기 위해 설계된 플랫폼으로, AI 기반 분석 기능과 인간의 의사결정 및 책임 체계를 결합한 것이 특징이다. 디지털 결제 사기가 고도화되고 결제 생태계가 확대되면서 금융기관들은 강력한 거버넌스와 감독 체계를 유지하는 동시에 리스크 관리의 효율성을 높여야 하는 과제에 직면해 있다. ARIA는 이러한 요구에 대응해 금융 범죄 대응 업무에 기여할 것으로 기대된다.

초기 분석에 따르면 ARIA는 실시간으로 작동하는 AI 에이전트를 통해 조사 시간을 70% 이상 단축할 수 있는 것으로 나타났다. 이를 통해 담당 인력(FTE) 1인당 하루 처리 가능한 사례 수를 크게 늘릴 수 있을 것으로 예상된다. 또한 ARIA는 약 90% 수준의 추천 정확도를 목표로 하며, 리스크 운영 조직 전반의 품질 지표 향상에 기여하도록 설계됐다.

ARIA는 금융기관의 리스크 운영 방식에 근본적인 변화를 제시한다. 전문화된 AI 에이전트가 데이터 수집, 분석 및 권고안 초안 작성 업무를 지원하는 동시에, 모든 핵심 의사결정 단계에서는 인간이 최종 권한과 통제권을 유지하도록 설계됐다.

ARIA는 조사(Investigation), 의사결정 지원(Decision Support), 운영 실행(Operation Actioning) 기능을 통합 제공한다. 거래 데이터, 리스크 모델, 고객 및 가맹점 이력, 연계 거래 정보, 과거 사기 패턴 등 다양한 신호를 수집해 기존에 상당한 분석 인력이 필요했던 데이터 집계 과정을 자동화한다.

또한 최첨단 AI 모델을 활용해 근거 기반의 분석 결과를 제시하고, 다중 신호(Multi-signal) 분석을 통해 새로운 패턴을 식별하며, 투명하고 감사 가능한 권고안을 제공한다. 이와 함께 표준운영절차(SOP)에 기반한 문제 해결, 고객 및 가맹점 커뮤니케이션, 오탐(False Alert) 감소, 새로운 이상 거래 패턴에 대한 선제적 대응 기능도 지원한다.

샤일레시 폴(Shailesh Paul) 위브모 최고경영자(CEO)는 “사기 수법이 더욱 정교해지고 규제 요구사항도 지속적으로 변화함에 따라 리스크 운영팀은 제한된 자원으로 점점 더 복잡한 과제를 관리해야 한다”며 “ARIA는 AI의 속도와 분석 역량을 인간 전문가의 판단, 감독 및 책임성과 결합해 금융기관이 보다 지능적으로 업무 처리 역량을 확대할 수 있도록 지원하기 위해 개발됐다”고 설명했다. 이어 “AI 에이전트가 데이터 분석과 권고안을 지원하더라도 모든 핵심 의사결정은 여전히 인간의 통제 아래 이뤄진다”고 덧붙였다.

완전 자율형 AI와 달리 위브모의 에이전틱 리스크 인텔리전스 어시스턴트는 금융기관 환경에 맞춘 거버넌스 중심 아키텍처를 기반으로 설계됐다. 모든 권고 사항은 기존 승인 절차를 거치며, AI가 독자적으로 업무를 수행하지 않는다. 또한 모든 분석 과정은 투명한 추론 체계와 감사 기록으로 뒷받침된다. 이 플랫폼은 사기 방지, 자금세탁방지(AML), 고객확인(KYC), 분쟁 처리 분야별 전문 AI 에이전트를 하나의 프레임워크로 통합했으며, 각 에이전트의 모든 활동에 대해 재현 가능한 감사 기록과 운영 이력을 제공한다.

이번 행사에는 은행, 핀테크 기업, 결제 네트워크, 기술 기업의 고위 임원 50여 명이 참석해 디지털 결제 보안의 최신 과제와 AI 기반 사기 방지의 미래를 논의했다. 행사에는 페이유, NPCI 바라트 빌페이(NPCI Bharat Billpay), 비자(Visa), 마스터카드(Mastercard), 플립카트(Flipkart), CSB뱅크(CSB Bank), 지오 페이먼트 솔루션(Jio Payment Solutions), 네트워크 인터내셔널(Network International) 관계자들이 참여해 가맹점 결제 사기 리스크 관리, 인증 기술, 리스크 기반 의사결정 등을 주제로 논의를 나눴다.

Hashtag: #Wibmo

The issuer is solely responsible for the content of this announcement.

위브모(Wibmo) 소개

페이유 계열사인 위브모는 인도, 미국, 인도네시아에서 사업을 운영하고 있으며 글로벌 풀스택 결제기술 기업이자 신흥 시장 내 결제 보안 및 디지털 결제 분야 선도기업으로서 혁신성과 시장 영향력을 인정받고 있다. 위브모는 세계 최대 규모의 디지털 결제 시장으로 꼽히는 인도에서 최대급 인증 서비스 사업자로 활동하고 있으며, 사기 및 리스크 관리 솔루션, 디지털 금융 서비스, 선불결제 솔루션, 가맹점 매입 서비스 등 폭넓은 포트폴리오를 제공하고 있다.

Platform ini menghadirkan “Agentic Risk Intelligence Under Your Team’s Command” yang melakukan transformasi pada operasi penangann penipuan, AML, KYC, dan sengketa bagi lembaga keuangan

MUMBAI, INDIA – NewsVoir – 22 Juni 2026 – Wibmo, perusahaan PayU dan penyedia terkemuka solusi keamanan pembayaran, meluncurkan Wibmo Agentic Risk Intelligence Assistant (ARIA), platform berbasis kecerdasan buatan (AI) yang dirancang untuk melakukan transformasi pada operasi penangaann kejahatan keuangan, dalam acara industri unggulannya yang bertajuk ‘Securing Digital Payments: Innovation, Intelligence & Trust’ yang diselenggarakan di Jio World Convention Centre, Mumbai.

ARIA dirancang untuk mendukung tim risiko di bank dan penyedia layanan pembayaran (PSP), dengan menggabungkan analisis berbasis AI serta pengambilan keputusan dan pertanggungjawaban oleh manusia. Kehadiran solusi ini sangat relevan saat ini, karena tantangan penipuan pembayaran digital menjadi makin kompleks. Seiring pertumbuhan berkelanjutan dalam ekosistem pembayaran, lembaga keuangan berfokus meningkatkan efisiensi risiko operasional sambil tetap mempertahankan tata kelola dan pengawasan yang kuat.

Pemodelan awal menunjukkan bahwa ARIA mampu mengurangi waktu investigasi lebih dari 70 persen melalui agen yang bekerja secara waktu nyata, sehingga tim dapat menangani jumlah kasus yang jauh lebih banyak per karyawan penuh waktu setiap hari. ARIA ditargetkan mampu menghasilkan tingkat ketepatan rekomendasi mendekati 90 persen, yang dirancang untuk meningkatkan indikator mutu di seluruh tim operasi risiko.

ARIA merepresentasikan pergeseran mendasar dalam pendekatan lembaga keuangan terhadap operasi risiko melalui penggunaan agen AI khusus yang mendukung pengumpulan data, analisis, dan penyusunan rekomendasi awal, sambil tetap mempertahankan kewenangan pengambilan keputusan dan kendali tata kelola pada tiap tahap penting.

ARIA menggabungkan kapabilitas investigasi, dukungan pengambilan keputusan, dan pelaksanaan tindakan operasional. Platform ini mengumpulkan sinyal dari transaksi, model risiko, riwayat pelanggan dan pedagang, transaksi yang saling terkait, serta pola penipuan historis untuk mengotomatiskan proses pengumpulan data yang selama ini menyita banyak waktu analis. Dengan memanfaatkan model AI mutakhir, ARIA menghasilkan kesimpulan yang didukung oleh bukti, mengidentifikasi pola baru melalui penalaran multisinyal, serta memberikan rekomendasi yang transparan dan bisa diaudit. Platform ini juga memungkinkan penyelesaian berbasis prosedur operasional standar, komunikasi dengan pelanggan dan pedagang, pengurangan peringatan palsu, serta mekanisme pertahanan proaktif terhadap anomali yang muncul.

Shailesh Paul, Pejabat Eksekutif Tertinggi, Wibmo, mengatakan, “Seiring makin canggihnya penipuan dan terus berkembangnya tuntutan regulator, tim operasi risiko harus mengelola kompleksitas yang makin tinggi dengan sumber daya yang terbatas. ARIA dirancang untuk membantu lembaga keuangan berkembang secara cerdas melalui perpaduan kecepatan dan kemampuan analisis AI dengan pertimbangan, pengawasan, dan pertanggungjawaban manusia. Meskipun agen AI membantu analisis data dan penyusunan rekomendasi, tetapi tiap keputusan penting tetap sepenuhnya berada di bawah kendali manusia.”

Berbeda dengan sistem AI yang sepenuhnya otonom, Agentic Risk Intelligence Assistant dari Wibmo dibangun dengan arsitektur yang mengutamakan tata kelola dan dirancang khusus untuk lembaga keuangan tingkat perusahaan. Tiap rekomendasi tetap melalui mekanisme persetujuan yang sudah ada tanpa tindakan produksi yang berjalan secara otonom, sementara seluruh analisis didukung oleh alur penalaran yang transparan dan jejak audit yang menyeluruh. Platform ini menyatukan berbagai agen khusus untuk penanganan penipuan, AML, KYC, dan sengketa dalam satu kerangka kerja terpadu, disertai audit yang dapat diputar ulang dan jejak operasional lengkap untuk tiap tindakan agen.

Acara peluncuran ini mempertemukan lebih dari 50 pemimpin senior dari sektor perbankan, teknologi keuangan, jaringan pembayaran, dan organisasi teknologi untuk membahas berbagai tantangan yang terus berkembang dalam keamanan pembayaran digital serta masa depan pencegahan penipuan berbasis AI. Para pembicara dari PayU, NPCI Bharat Billpay, Visa, Mastercard, Flipkart, CSB Bank, Jio Payment Solutions, dan Network International turut berpartisipasi dalam diskusi mengenai pengelolaan risiko penipuan pada layanan akuisisi transaksi, teknologi autentikasi, dan pengambilan keputusan berbasis risiko.

Hashtag: #Wibmo

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Tentang Wibmo

Wibmo, perusahaan PayU, beroperasi melalui berbagai entitas di India, Amerika Serikat, dan Indonesia. Sebagai perusahaan teknologi pembayaran global dengan layanan menyeluruh serta pemimpin industri dalam keamanan pembayaran dan pembayaran digital di pasar berkembang, Wibmo dikenal atas inovasi dan dampaknya.

Selain menjadi penyedia layanan autentikasi terbesar di India, salah satu pasar pembayaran digital terbesar di dunia, Wibmo juga menawarkan solusi menyeluruh untuk pengelolaan penipuan dan risiko, layanan keuangan digital, solusi prabayar, serta berbagai layanan penerimaan pembayaran oleh pedagang. Ketahui lebih lanjut di: https://wibmo.com/