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Flexifai has deployed an artificial intelligence-driven routing engine that increased transaction conversion rates for an online operator in Ghana, highlighting the potential of data-led payment infrastructure in emerging markets.
The fintech infrastructure provider reported that the operator’s conversion rate rose from 43% to 73% within 30 days of implementation, without any changes to product design or checkout flow.
Flexifai attributed the improvement to a combination of intelligent routing, cascading logic, and automated retry mechanisms. The system selects payment paths based on real-time performance indicators such as authorization rates and processing latency, redirects failed transactions to alternative providers, and re-attempts declined payments before sessions are abandoned.
The deployment was shaped by local infrastructure challenges, noting that mobile money systems in Ghana lack the anti-fraud monitoring typically found in card-based environments. This makes it harder to detect fraudulent activity, such as users cycling through multiple phone numbers or email addresses.
To address this, Flexifai developed alert systems focused on data fields with strong fraud correlation, including customer phone numbers, email addresses, and the sequence in which the data is submitted. The approach enabled large-scale pattern recognition and generated reports to help operators identify high-risk users.
“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.”
The company has since applied similar methods in Kenya and Zambia, where mobile money ecosystems face comparable limitations in fraud detection.
Flexifai’s routing engine processes a range of signals, including device type, IP address, geo-risk indicators, time-of-day bank behaviour, issuing bank characteristics and real-time gateway load.
The company supports more than 80 local payment methods across Africa, Europe, Latin America, Australia, Canada, and New Zealand, including mobile wallets such as OPay, PalmPay, MTN MoMo, and Airtel, alongside USSD rails, agent networks, instant bank transfers, and open banking systems.
The routing engine is now live and continues to incorporate additional data signals and providers as the platform expands.