In this section, you can read featured success stories from banks that have leveraged our products.

Success Stories

Cembra, a leading provider of innovative financing and payment solutions in Switzerland, has committed to delivering top-tier services to its customers. In 2023, Cembra implemented 

, Rivero’s end-to-end solution for chargeback management. The goal behind this partnership was clear: simplify customer support process, reduce manual workload, and create a better customer experience.

“Our customers expect fast resolution. Consequently, operational excellence became a priority for us, to maintain the level of service we are committed to. Amiko allows us to resolve requests quickly and efficiently. And we are continuing to improve our customer experience every day,”

 says Alona Eiduka, Chief Operating Officer at Cembra.

Guided by a “virtual agent”, Cembra’s cardholders can initiate chargeback requests at any time, directly through the Cembra App, reducing reliance on customer service personnel and making the process quicker, more transparent and user-friendly. Within just a few weeks after the roll-out, around 75% of all inbound chargeback inquiries were handled via the virtual agent in the Cembra App. 

By automating key steps in the claims process, such as case creation, fraud reporting and chargeback handling, Amiko significantly reduces Cembra’s manual workload. 

“We’ve achieved great efficiency gains, especially with bulk actions

, says Jessica Darioli, Team Manager in Customer Service at Cembra.

Amiko’s direct integration with Mastercard also meant that Cembra could resolve disputes directly through the card networks, eliminating the need for complex and lengthy system integrations with the processing system. 

“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,” 

says Joël Valentin, Team Manager Fraud at Cembra.

Since implementing Amiko, Cembra has experienced broad improvements:

How Cembra improved chargeback support with Amiko: faster resolutions, automation, and higher customer satisfaction via 24/7 virtual agent.

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How Cembra modernised cardholder support with Amiko

We are frequently invited as guest speakers on topics related to payments. Here you will find our latest appearances.

Podcasts

We recently had the pleasure of joining the Swisspreneur podcast, where our co-founders Fatemeh Nikayin and Thomas Müller sat down with host Silvan Krähenbühl to talk about Rivero’s journey, the future of compliance tech, and what it really takes to build trust in one of the world’s most conservative industries: banking. 

🎧 Listen to the full episode here:



In this candid conversation, Fatemeh and Thomas shared insights on how Rivero evolved from a bold idea into a trusted partner for banks across Switzerland and beyond. They discussed the early challenges of building a startup in a tightly regulated environment, and why solving real pain points, like card dispute handling and scheme compliance, requires more than just good software. It takes credibility, consistency, and a deep understanding of how banks actually work.

A key theme of the episode is how Rivero puts people, not just processes, at the center of compliance. Thomas explained how our products, Kajo and Amiko, are designed to empower banking teams by simplifying complexity and eliminating unnecessary friction. Fatemeh added how important it is to listen to customers early and often, especially when you're asking them to rethink how they’ve worked for years.

Rivero’s Swiss roots play an important role in how we think about security and reliability. Fatemeh talked about how Switzerland’s reputation for trust and discretion aligns naturally with the kind of company we’re building, one where compliance is no longer a burden, but a strategic advantage.

💬 “Our goal is to make compliance a driver of innovation, not something that holds it back.” – Fatemeh Nikayin

In this blog post, we recap Rivero’s recent appearance on the Swisspreneur podcast, where co-founders Fatemeh Nikayin and Thomas Müller share their journey of building a startup in Switzerland. Discover how Rivero is reshaping payment network compliance through technology, what it means to earn trust in banking, and why putting people first is key to innovation in the financial sector.

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🎧 Building Trust Through Technology: Rivero on the Swisspreneur Podcast

In a recent episode of SoarPay’s PayPod, Rivero's Co-Founder and Chief Growth Officer, Fatemeh Nikayin, dived into the transformative role of Machine Learning in modernizing payment dispute processes for banks. 

During the conversation, the importance of data sovereignty in SaaS solutions for banks is highlighted. With our solutions 

 designed with privacy and compliance at their core, Fatemeh emphasizes how automation not only streamlines operations but also serves as a pivotal tool in building and maintaining customer trust. 


A key takeaway from the conversation is the nuanced application of AI in regulated industries. Fatemeh advocates for a balanced approach that combines rule-based automation with human oversight, ensuring both efficiency and compliance.

Have a listen below:



Rivero Co-Founder Dr. Fatemeh Nikayin recently joined SoarPay’s PayPod to discuss how AI-powered solutions are transforming payment dispute management, enhancing customer trust, and modernizing banking operations

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🎧 Automating Bank Disputes to Build Trust

Learn about the operational challenges and risks associated with compliance with payment networks like Visa and Mastercard and find out how to simplify this process and make it more manageable and efficient.

Scheme Compliance

Given that a large number of compliance requirements from payment networks, such as Visa and Mastercard, impact the payment processing rail, many assume that payment network compliance can be outsourced to payment processors, especially since most changes are likely to affect the payment processing systems. 

But that’s a risky shortcut. This increases the risk that the license holder (issuer or acquirer) may miss compliance updates or requirements, which can result in significant financial or operational issues.


Why outsourcing payment network compliance is not a good idea


Sometimes, card issuers or acquirers completely rely on their processor to manage compliance with Visa and Mastercard because they assume:    

As a result, they do not see the need to have in-house experts managing payment network compliance. But, from the payment networks’ perspective, issuers and acquirers remain fully accountable for any non-compliance or oversight. And it goes beyond technical updates: the communications from payment networks also cover critical non-technical information, such as fee changes, interchange updates, and product modifications, that typically concern only the licensees and not the processors. 

Relying solely on a processor for timely access to such updates can increase the risk of missing key information, which could potentially lead to financial and operational consequences for the bank.

  
The risks of delegating network compliance solely to processors 


While processors are responsible for parts of the compliance updates when impacting the processing side, they are not liable to the payment networks when it comes to non-compliance. The principal license holder remains fully accountable to the payment networks. 

During compliance audits, payment networks expect license holders to demonstrate both external and internal oversight. Even if certain payment services are outsourced, the bank, as the principal license holder, still needs to ensure that third-party service providers are compliant with the latest updates. 

Payment networks are clear: you can outsource the work, but not the responsibility.  Outsourcing an area of business, such as processing, does not shift accountability away from the principal member.

So the question, especially for smaller banks, is: how do you stay in control and keep an overview of compliance with networks without making it an operational burden?

The volume of updates and requirements from payment networks continues to grow, making it increasingly challenging to manage this critical operational process manually. Many banks are now investing in technology that simplifies workflows, reduces manual effort, and automates wherever possible. While some choose to build internal systems, others rely on specialised solutions to bring structure and automation to the process.

, a solution designed specifically to help banks of all sizes efficiently manage payment network updates, without losing visibility or risking compliance oversights. Our goal is to enable licenseholders of payment networks to stay ahead of updates and changes. You stay in control, avoid missed updates, and get everything you need in one place. 

Do you want to learn more about Kajo? Join our 

Many banks rely on processors for payment network compliance, but that doesn't shift responsibility. Learn why outsourcing isn’t enough and how to stay in control without adding overhead.

Outsourcing payment network compliance

Why banks can’t outsource payment network compliance

One of the UK's leading independent omnichannel payments providers, DNA Payments is built on innovation. But as they grew, managing scheme compliance manually was causing issues and they looked for a more efficient process that encourages cross-collaboration.

“We were managing card scheme compliance bulletins manually — excel sheets, emails, meetings — everything was fragmented,” 

recalls Janannee Harroo, Director of Risk & Compliance at DNA Payments. 

“Tracking updates was a challenge, and staying compliant felt like a constant uphill battle.”

Having spent nearly a decade in the payments industry, Janannee knew firsthand the complexities of scheme compliance, and how resource-intensive it can be. When she joined DNA Payments, the organisation was at an early stage of its acquiring journey, having just received its scheme license. Bulletins needed to be reviewed, assigned and actioned across teams, but without a structured process, the team was getting pulled in too many directions.

Hire more people to track compliance manually or find a smarter solution? For Janannee, the choice was obvious.

"As a fintech, technology is in our DNA. It was a no-brainer to seek a solution that could simplify our processes, provide an audit trail, and free up valuable resources."

Enters Kajo, Rivero's scheme compliance and payment network updates management solution. At the time, both DNA Payments and Kajo were in early growth phases, making it a natural partnership.

 "Kajo evolved alongside us, continuously improving based on real-world usage and feedback."

With Kajo, tracking scheme updates stopped being a manual hassle. Kajo provided a structured, centralised system for accessing and managing scheme bulletins, eliminating the need to rely on spreadsheets and scattered email threads. Teams can filter updates, assign tasks and track progress, all in the same place.

The transition was smooth, thanks to Kajo's user-friendly interface, and was quickly adopted across teams.

Automation, audit trails, and a single source of truth

The impact of Kajo was immediate. No more lost emails, complicated spreadsheets or missed updates. Decision-making became faster, tracking became easier and efforts became more transparent. And with a clear audit trail, demonstrating scheme compliance to regulators became effortless.

"The solution isn’t just about tracking scheme compliance, it provides visibility and structure," says Janannee. "Instead of chasing updates, we have a centralised view of everything in one place."

While Kajo solved the major pain points, adoption and engagement across teams became the next challenge. DNA Payments appointed a dedicated team member to lead engagement, ensuring that employees across departments utilised the platform effectively.  

By acting as a centralised knowledge hub, Kajo also played a key role in spreading payment knowledge across the organisation, helping teams beyond compliance 

 stay informed about key regulatory updates and scheme requirements. This cross-functional visibility ensures that all departments across the organisation can proactively adapt to changes, avoiding last-minute adjustments, and foestering a culture of awareness and preparedness across the organisation.

"Scheme compliance affects more than just risk teams. It impacts product, fraud, operations, everyone," Janannee explains. "We’re working to integrate Kajo further into our workflows to drive even greater efficiency."

With continued collaboration between DNA Payments and Rivero, new enhancements are on the horizon, including improved data analytics and dashboard functionalities.

More than just the technology itself, Janannee highlights Rivero's exceptional support as a key factor in DNA Payments' ongoing commitment to Kajo.

"The responsiveness of the Rivero team is incredible," 

"Anytime we have a request, we get a prompt and serious response. That level of service is why we continue to invest in this solution."

For other financial institutions struggling with scheme compliance, Janannee’s advice is clear:

"If your challenge is tracking bulletins and ensuring compliance in a structured way, Kajo is the right solution. It has simplified our processes, increased efficiency, and reduced all hassle. The time saved, the clarity gained… it’s a game changer."

As DNA Payments continues to grow, Kajo remains an essential part of its compliance strategy, proving that the right technology can transform even the most complex processes into an easy operation.

DNA Payments Success Story

From admin to strategy: DNA Payments’ journey to a knowledge-first approach

We’ve been busy sharing fresh ideas and insights on the future of banking and payments in some amazing podcasts this year. If you missed them, don’t worry, here’s a quick recap!

, we focused on the back-office operations of banks — a vital, often under-appreciated aspect of the financial ecosystem. The conversation emphasised how adopting emerging technologies like AI, automation, and cloud systems can revolutionise this space, improving not just efficiency but also compliance, cost management, and operational agility. 

The takeaway? Back-office operations are no longer just support functions. They are integral to a bank's success and growth. As banks face mounting pressure to stay competitive, embracing digital transformation is no longer optional. It's a strategic necessity.

This episode serves as a powerful reminder that improving internal operations is just as important as enhancing customer-facing services. With the right tools and strategies, banks can drastically increase their agility, adapt to market changes faster, and create a more seamless customer experience. 

 where our CEO Thomas Müller reflected on the evolution of payment solutions. As the payments industry continues to transform with innovations like embedded finance and cross-border payment solutions, Rivero is leading the charge in creating seamless, scalable solutions that benefit both businesses and consumers. 

The future of payments goes beyond just transferring money. It’s about enhancing the customer experience through faster, more secure transactions and creating an ecosystem where payments are embedded seamlessly into everyday experiences. His insights underscored the importance of adaptability and innovation, especially as the payment space becomes more fragmented and complex. 

Both episodes offer a valuable glimpse into the direction of financial services in 2025. If you're keeping up to date, these conversations are packed with actionable insights and thought leadership on how technology is reshaping both banking operations and payments.

Podcasts Q1 2025

From back-office to payments: Key insights from our latest podcasts

PostFinance is a diversified, innovation-driven financial service provider that offers its 2.5 million customers modern solutions for managing their finances. As a driver of innovation, PostFinance helps people and companies in Switzerland tackle the challenges of the digital world. With around 104 billion francs in customer assets and more than 1.3 billion payment transactions a year, PostFinance is one of Switzerland’s leading financial institutions. 

We spoke with Daniele Angioletti and Ivana Paunovic, Chargeback analysts at PostFinance, about the current state of fraud and disputes and how Rivero helps improve customer experience.

Boost efficiency with greater customer-centricity

When the PostFinance Card combined with Debit Mastercard® was introduced, more and more customers started using their cards actively. Naturally, chargeback cases began to arise, and PostFinance had to go through quite a tedious process, capturing each transaction individually while their backlog started to pile up.

To deliver on its customer experience goals, PostFinance looked for a more efficient way to process chargebacks. It identified Rivero’s Amiko solution as the vital tool to streamline their dispute processes and effortlessly reduce fraud losses. 

"It was crucial for us that the new tool would allow us to process several transactions simultaneously while also providing a clear layout to work with,"

 Ivana recalled when asked about their selection process. 

This is clear when Daniele lays bare his time-saving calculations. "With Amiko, I can now process disputes at five times the previous rate, achieving nearly a 400% increase in efficiency. I can now process 20-30 disputes a day—depending on the size—whereas this was only 5 or 6 before." 

Scaling dispute process management through fast onboarding

Due to PostFinance’s previous legacy tool requiring a labour and time-intensive process, they were a bit anxious about implementing a new tool. 

"During our meetings, many uncertainties were clarified,"

"We appreciated the good collaboration with the Amiko experts, which made using Amiko efficient from the beginning,"

"Amiko is very user-friendly, and I had little trouble using the tool. Compared to the previous tool we used, the introduction to Amiko was much easier,"

"The layout, the personalised functionalities… It all just clicked for me. And it shows through the numbers. Before, it used to take about 30 minutes to record 15 transactions correctly, but with Amiko, it now only takes me 5!" 

Amiko’s ability to put all transactions related to a specific cardholder claim or fraud incident into one case is a game-changer for PostFinance.

Through constant check-ins and guidance in our partnership, we achieved the fastest time to value for PostFinance. 

After implementing Amiko, PostFinance is convinced that it was the missing link in their dispute management process, thanks to its responsive support and modern suite of features, including bulk uploads and automated pre-dispute and fraud reporting. 

Part of owning the customer relationship is giving cardholders the answers they need about their dispute claims. PostFinance is exploring the option of using the Virtual Agent as part of the Amiko solution to stay as dynamic and responsive as fraud and disputes themselves. The domain-specific chatbot uses card network rules while providing customer-requested transaction details on demand to help prevent first-party fraud claims.

"We greatly valued our collaboration with Rivero and were always amazed to receive very professional and detailed answers," Daniele mentioned.

"To sum up, we would recommend Amiko because of its clear layout and the efficiency gain," Ivana concluded.

If you'd like to learn more about Amiko, join our monthly 

How PostFinance boosted efficiency by 500% with digital dispute management SaaS solution

PostFinance Amiko Success Story

PostFinance on the efficiency gain to their fraud and dispute management

News

German version available further down below.

Rivero, the SaaS software provider for dispute management and compliance in payment transactions, is collaborating with SIX, a leading provider of financial market infrastructure in Europe, to provide the SaaS solution Amiko for fraud recovery and dispute management.

 – SaaS provider Rivero today announced that it will provide its fraud recovery and dispute management platform, Amiko, to SIX and its partner banks. This collaboration will enable SIX to optimize its chargeback process by introducing a range of self-service features for its partners and their cardholders.

With Amiko, SIX will be able to increase operational efficiency in chargeback resolution and provide a better customer experience for its partner banks. Rivero's Amiko technology will be used for fraud and dispute cases for debit cards (for more than 100 Swiss banks) issued and/or processed by SIX from 2026. This collaboration will significantly expand Rivero's reach.

As one of the leading debit card processing organizations in Switzerland, SIX is responsible for handling incoming fraud and dispute cases for partner banks. Rivero's Amiko software solution will help SIX manage all incoming disputes. By streamlining the different parts of the fraud and dispute process, media disruptions will be reduced and chargeback agents and analysts will be able to work on cases more efficiently.

Thomas Müller, CEO of Rivero, comments: “By working with a payment service provider as significant as SIX, Rivero can become the leading solution provider for securing the majority of debit cards in Switzerland. Our solution, Amiko, will support SIX in automating the chargeback process.”

He adds: “This cooperation is not only strategic, but also based on the common understanding that we need to work together to get the best out of our card and payment services. By using Amiko, SIX will benefit from one of the most modern, efficient and self-sufficient all-in-one SaaS payment solutions”.

Stefan Giger, Head Products & Services, Banking Services at SIX, comments on the collaboration: "The integration of Amiko will help us to support our clients in fraud investigation and dispute resolution. We know how stressful these situations can be for the cardholders of our partner banks. A quick and easy approach helps to resolve claims in an orderly and timely manner".

For more information about Rivero and their products Kajo and Amiko, please visit their website: 

Established in 2019 and headquartered in Switzerland, Rivero is a fast-growing European company and a Visa Fintech Partner specialising in streamlining payment operations within the highly regulated payments industry. It focuses on offering unique SaaS solutions for dispute management, and payment scheme compliance. Rivero’s flagship products, Kajo and Amiko, set it apart in the industry. Kajo is a solution for payment scheme compliance, minimising risks, and efforts for payment network licensees. Amiko revolutionises fraud recovery and dispute management processes by digitalising them, thus aiding issuing banks in efficient management and enhancing consumer protection.

Schweizer Fintech Rivero kooperiert mit führender Anbieterin von Finanzmarktinfrastruktur SIX

Rivero, der SaaS-Softwareanbieter für Dispute Management und Compliance im Zahlungsverkehr, kooperiert mit SIX, einer führenden Anbieterin von Finanzmarktinfrastruktur in Europa, um die SaaS-Lösung Amiko für Fraud Recovery und Dispute Management bereitzustellen.

 – Der SaaS-Anbieter Rivero gab heute bekannt, dass er seine Fraud Recovery- und Dispute Management-Plattform Amiko SIX und ihren Partnerbanken zur Verfügung stellen wird. Diese Zusammenarbeit wird es SIX ermöglichen, ihren Chargeback-Prozess durch die Einführung einer Reihe von Self-Service-Funktionen für ihre Partner und deren Karteninhaber zu optimieren.

Mit Amiko wird SIX in der Lage sein, ihre operative Effizienz bei der Lösung von Chargebacks zu steigern und ihren Partnerbanken hierzu ein besseres Kundenerlebnis zu bieten. Die Rivero-Technologie von Amiko wird ab 2026 bei Betrugs- und Streitfällen für Debitkarten (für mehr als 100 Schweizer Banken) zum Einsatz kommen, die von SIX ausgegeben und/oder verarbeitet werden. Diese Zusammenarbeit wird die Abdeckung von Rivero erheblich erweitern.

Als eines der führenden Debitkarten-Processing-Unternehmen in der Schweiz ist SIX für die Bearbeitung von eingehenden Betrugs- und Streitfällen für Partnerbanken verantwortlich. Die Softwarelösung Amiko von Rivero wird SIX dabei unterstützen, alle eingehenden Streitfälle zu verwalten. Durch die Straffung der verschiedenen Teile des Betrugs- und Streitfall-Prozesses werden Medienbrüche reduziert und die Chargeback-Agenten und Analysten können effizienter an den Fällen arbeiten.

Thomas Müller, CEO von Rivero, kommentiert: „Durch die Zusammenarbeit mit einer so bedeutenden Zahlungsdienstleisterin wie SIX kann Rivero zum führenden Lösungsanbieter für die Sicherung der Mehrheit der Debitkarten in der Schweiz werden. Unsere Lösung, Amiko, wird SIX dabei unterstützen, den Chargeback-Prozess zu automatisieren.“

Er fügt hinzu: „Diese Zusammenarbeit ist nicht nur strategischer Natur, sondern basiert auch auf dem gemeinsamen Verständnis, dass wir zusammenarbeiten müssen, um das Beste aus unseren Karten- und Zahlungsdienstleistungen herauszuholen. Durch den Einsatz von Amiko wird SIX von der Leistungsfähigkeit einer der modernsten, effizientesten und autarksten All-in-One-SaaS-Zahlungslösungen profitieren.“

Stefan Giger, Head Products & Services, Banking Services bei SIX, kommentiert die Zusammenarbeit wie folgt: „Die Integration von Amiko wird uns dabei unterstützen, unseren Kunden bei der Betrugsaufklärung und der Beilegung von Streitfällen behilflich zu sein. Wir wissen, wie belastend diese Situationen für die Karteninhaberinnen und -inhaber unserer Partnerbanken sein können. Ein schneller und einfacher Ansatz trägt dazu bei, Ansprüche geordnet und frühzeitig zu klären.“

Weitere Informationen zu Rivero und ihren Produkte Kajo und Amiko finden Sie auf der Website: 

Rivero, 2019 gegründet und mit Sitz in der Schweiz, ist ein schnell wachsendes europäisches Unternehmen und ein Visa-Fintech-Partner, das sich auf die Optimierung von Zahlungs-Betriebsprozessen innerhalb der stark regulierten Zahlungsbranche spezialisiert hat. Das Unternehmen bietet einzigartige SaaS-Lösungen für Dispute Management und Compliance im Zahlungsverkehr. Die Flaggschiff-Produkte von Rivero, Kajo und Amiko, heben das Unternehmen in der Branche hervor. Kajo ist eine Lösung für die Compliance von Zahlungssystemen, die Risiken und Aufwände für Lizenznehmer von Zahlungsnetzwerken minimiert. Amiko revolutioniert die Prozesse der Fraud Recovery und Dispute Management, indem sie diese digitalisiert und so den ausgebenden Banken bei der effizienten Verwaltung hilft und gleichzeitig den Verbraucherschutz stärkt.

Rivero x Six

Swiss Fintech Rivero collaborates with leading financial market infrastructure provider SIX

, a leading player in the payments industry, faced a massive challenge: managing compliance across multiple schemes such as Visa, MasterCard, JCB, Discover/Diners Bancontact and UnionPay, with over 150 publications each month. Each publication resulted in a cascade of tasks that had to be manually assigned and managed. This manual process was neither sustainable nor efficient and often led to missed opportunities.

“We were manually downloading publications, storing them on drives, and then sharing them in Excel,”

“It was time-consuming. We’d pass information around, but we didn’t always know if the tasks were being actioned. It was a reactive system that left us exposed to risks.”

As Worldline grew, the complexity of managing compliance across multiple schemes became increasingly difficult. With the potential for penalties, fines, or missed opportunities, the company needed a solution that could handle the volume of publications while giving them control over the compliance process.

“We were managing a huge volume of publications and tasks, and it was becoming more difficult to stay ahead of the game,”

, Head of Scheme Management at Worldline. 

“The old system wasn’t just inefficient, it was risky. We couldn’t afford to continue like that, so we decided it was time for a change.”

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Miranda Rodigas and Martin Barendregt during a Rivero event

From manual, disjointed processes to proactive risk management

Worldline’s old approach relied heavily on manual processes. With hundreds of publications each month, managing compliance was not only labour intensive but also reactive. The team didn’t have clear visibility into statuses, and there was no way to track progress in real time. This created the potential for non-compliance and missed deadlines, which could lead to costly fines or service disruptions.

What Worldline needed was a solution that could simplify this process, automate task assignments, and provide clear visibility into the status of every compliance mandate. This led them to Kajo, our scheme compliance management solution that centralises publications, automates assignments, and provides full visibility into the scheme compliance process. With Kajo, Worldline made a seamless transition from a fragmented, manual process to a fully integrated, digital platform.

The centralised aspect played a crucial role in the transformation: Worldline no longer needed to manually manage or store documents.

“For many people in the organisation, this was a game-changer. We don’t need to connect directly to the schemes to access the information ourselves. Kajo makes everything available and up-to-date, without the need for manual intervention,” says Miranda.

Kajo’s automated assignment feature was another key benefit. Instead of manually distributing bulletins via email, the relevant owners are now automatically notified of relevant updates that impact their domain. This has made the entire process much faster and more reliable.

“Before, we spent hours trying to track down the right information and distributing it manually. Now, everything is automated and updated daily,” says Martin. “We’ve cut out the manual work and can focus on the tasks that truly matter.”

Proactive compliance and significant risk reduction

With Kajo in place, Worldline shifted from a reactive to a proactive compliance management model. Instead of waiting for issues to arise, the team could now stay ahead of potential risks. The ability to track updates in real time and get instant feedback has made it possible to address compliance issues before they escalate into bigger problems.

“We now have full insight into the status of all mandates and related tasks, which allows us to proactively steer compliance,” says Miranda. “Instead of waiting for issues to arise, we can act early to avoid penalties or fines. We can even track and report on status, which was something we couldn’t do before.”

This digital approach has also led to cost savings. By staying ahead of compliance requirements, Worldline has been able to avoid penalties and fines that could have resulted from missed deadlines or overlooked publications.

“The best part is that we’re in full control now,”

“We’ve reduced the risk of compliance issues and saved on costs that we would have otherwise incurred due to non-compliance. Plus, we can now invest our time in more strategic activities that bring real value to the company.”

Maybe the most rewarding outcome of this transformation has been the ability to free up the team to focus on higher-level, strategic work. By automating the tedious, time-consuming aspects of compliance management, Worldline has given their team the time and resources to dive deeper into the issues that require their expertise.

“The automation of schemes updates distribution has allowed us to spend more time on high-value work,” says Martin. “We’re no longer bogged down by repetitive and manual tasks. We can focus on strategic decisions and proactive compliance management, which ultimately improves our productivity.”

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Martin Barendregt showcasing Worldline’s implementation of Kajo

Worldline’s journey with Kajo is a great example of how adopting the right technology can transform a complex compliance process. By automating key tasks, centralising publications, and providing real-time visibility, Worldline has improved operational efficiency, reduced costs, and gained greater control over its compliance efforts.

“The transformation has been incredible,” says Miranda Rodigas, Head of Scheme Management at Worldline. “With Kajo, everything is in one place, publications are automatically made available, and tasks are assigned based on our specific configuration. It has eliminated the need for manual downloads and updates, and we can track progress every day.”

“We’ve gone from managing compliance reactively to proactively steering it with full insights,” says Martin. “This shift has not only improved our compliance but also allowed us to focus on what really matters: delivering value to our clients.”

Worldline, a leading player in the payments industry, faced a massive challenge: managing compliance across multiple schemes such as Visa, MasterCard, JCB, Discover/Diners Bancontact and UnionPay, with over 150 publications each month. Each publication resulted in a cascade of tasks that had to be manually assigned and managed. This manual process was neither sustainable nor efficient and often led to missed opportunities.

Rivero x Worldline

From manual processes to automated risk management: how Worldline transformed scheme compliance with Kajo

Simplifying payment operations for banks — scheme compliance, dispute management, fraud recovery and industry trends.