(AsiaGameHub) –   Flexifai, a payment tech firm focused on high-friction markets, has rolled out an AI-powered routing engine designed to boost transaction approval rates in emerging economies. The firm states that a digital operator in Ghana saw its conversion rate jump from 43% to 73% within a month of the system going live, achieving this without altering the product design or checkout process.

This outcome was achieved through three linked features: intelligent routing, which chooses payment paths using real-time performance metrics like authorization rates and processing latency; cascading logic, which sends transactions to backup providers if they fail; and automated retry mechanisms that try again on declined transactions before the user session ends.

Ghana posed a distinct infrastructure challenge that influenced the rollout. Mobile money systems in the region do not have the anti-fraud monitoring tools that card-based environments usually possess. This created a situation where fraudulent activity—such as one user cycling through many phone numbers or email addresses—was hard to spot at the provider level.

Flexifai solved this issue by creating alert systems linked to specific data fields that show the strongest link to fraud signals: customer phone numbers, email addresses, and the transmission sequence of that data. This method allowed for large-scale pattern recognition and generated structured reports, enabling the operator to spot potential high-risk users and act accordingly.

“Ghana is a market with a growing digital economy and genuinely unpredictable payment infrastructure,” said Sofiia, head of sales at Flexifai. “Routing technology that adapts to those conditions in real time is not a secondary feature – it is the core of what makes conversion possible in markets like this.”

This identical strategy has since been utilized in Kenya and Zambia, where the lack of antifraud infrastructure in mobile money ecosystems creates similar hurdles. In both nations, Flexifai implemented data-driven pattern recognition to set up pre-emptive fraud analysis in settings where standard PSP tools offered little visibility.

The routing engine analyzes signals such as user device type, IP address, and geo-risk indicators, as well as time-of-day bank behaviour, issuing bank traits linked to the BIN level, and real-time gateway load.

Flexifai presently facilitates over 80 local payment methods throughout Africa, Europe, Latin America, Australia, Canada and New Zealand. Its African reach encompasses mobile wallets like OPay, PalmPay, MTN MoMo and Airtel, alongside USSD rails, agent networks, instant bank transfers and open banking infrastructure. The firm keeps on-the-ground teams in Lagos and various parts of Latin America.

The routing engine is currently active and keeps adding new data signals and providers as the platform grows.