FLEXIFAI Rolls Out AI-Powered Routing Engine, Boosting Payment Conversion by 30 p.p. in Ghana

(AsiaGameHub) –   Flexifai, a payment technology firm focused on challenging markets, has rolled out an AI-powered routing engine designed to boost transaction approval rates in emerging economies. According to the company, a digital operator in Ghana saw its conversion rate climb from 43% to 73% within 30 days of launch — with no modifications to product design or checkout process.

The improvement stemmed from three integrated features: intelligent routing, which picks payment routes using real-time performance data such as authorization rates and processing speed; cascading logic that sends failed transactions to backup providers; and automated retry systems that resubmit rejected payments before the user exits.

The deployment in Ghana faced a unique infrastructure hurdle. Mobile money platforms in the region don’t have the anti-fraud detection systems commonly found in card-payment setups. This made it hard for providers to spot fraudulent activity, like one user rapidly switching through numerous phone numbers or email addresses.

Flexifai tackled this by creating alert systems focused on data points most linked to fraud: customer phone numbers, email addresses, and the order in which this information was sent. This method allowed large-scale pattern detection and generated organized reports that helped the operator spot potentially risky users and respond accordingly.

“Ghana represents a market with an expanding digital economy and highly unpredictable payment infrastructure,” stated Sofiia, Head of Sales at Flexifai. “Routing technology that adjusts to these conditions in real time isn’t just an add-on feature — it’s fundamental to achieving conversion in such markets.”

This same methodology has now been implemented in Kenya and Zambia, where mobile money systems similarly lack antifraud infrastructure. In both markets, Flexifai used data-driven pattern detection to create proactive fraud analysis where conventional PSP tools offered minimal insight.

The routing engine analyzes various signals, such as user device type, IP address, geographic risk markers, banking activity patterns by time of day, issuer bank traits tracked at the BIN level, and current gateway capacity.

Flexifai presently enables over 80 local payment options throughout Africa, Europe, Latin America, Australia, Canada, and New Zealand. Its African network encompasses mobile wallets like OPay, PalmPay, MTN MoMo, and Airtel, plus USSD channels, agent networks, immediate bank transfers, and open banking systems. The firm has local teams stationed in Lagos and throughout Latin America.

The routing engine is operational and keeps integrating new data signals and payment providers as the platform grows.

About Flexifai

Flexifai provides AI-powered payment infrastructure tailored for challenging and emerging markets. The company delivers intelligent routing, cascading payment flows, real-time disbursements through partner networks spanning 150 countries, and access to local payment methods across Africa, Latin America, Europe, and Asia-Pacific. Flexifai runs local operations in Africa and Latin America to assist merchants needing specialized regional payment knowledge.