Intelligent Payment Operations.

Transforming customer experience. "The introduction of Amiko’s virtual agent for self-service has led to a reduction in cycle time for cardholder inquiries, streamlined our processes, and increased customer satisfaction. This has been a key factor in enhancing customer retention and reducing operational strain."

Joël Valentin
Head Fraud Management

Mitigate risk and ensure compliance. "The risk of non-compliance fees is substantial, prompting banks to rethink their approach to this process. Kajo is undoubtedly the right solution to address such risks and ensure compliance."

Alain Morf
Card Scheme Manager

Proactive compliance management. "[With Kajo] we now have full insight into the status of all mandates and related tasks, which allows us to proactively steer compliance. Instead of waiting for issues to arise, we can act early to avoid penalties or fines [...] track and report on status [...] something we couldn’t do before."

Miranda Rodigas
Head of Scheme Management

Trusted by Visa. "Visa has selected Rivero as the first Swiss Fintech joining Visa Fintech Partner Connect program. With its innovative SaaS products, Rivero will enable our clients to streamline their processes & bring down costs while improving the cardholder experience.”

Santosh Ritter
Country Manager Switzerland & Liechtenstein

End-to-end efficiency. "The chargeback process consists of collecting cardholder statements, preparing the documents, submitting the chargebacks, crediting and communicating with the cardholder. While most chargeback tools cover the “submission” part of the process, [Amiko] brings all these parts together."

Daniela Franzin
Head Credit Risk Management

Simplify the complex. "The payment industry is dynamic, with constant updates and ever-changing requirements, especially in scheme compliance. Kajo simplifies admin work and facilitates collaboration and knowledge sharing within organisations."

Sandra Willi
Scheme Compliance Manager

A 10/10 partnership. "With Kajo, we save lots of time because we do not have to spend time on payment network updates that do not impact our business. We rate our experience of working with Rivero 10 out of 10. We believe any bank could greatly benefit from adopting Kajo and working with Rivero."

Francesco di Meo
Scheme Compliance Manager

Automated compliance for operational efficiency. "[With Kajo], we are able to simplify and automate our compliance processes around card scheme mandates. This allows us to reduce operational workload, stay fully compliant ahead of regulatory changes, and maintain a high level of trust with our stakeholders."

Patrick Dittmer
Chief Financial and Risk Officer