CASE STUDY
How Ratepay turned compliance into strategic advantage by automating 80% of manual workload
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Customer: Ratepay – Leading European BNPL white-label payment provider
Challenge: Complex, non-stop regulatory updates that require high manual workload
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Solution: Agentic Compliance - from regulatory alerts to seamless implementation
In a nutshell:
22+
hours saved weekly on horizon scanning and deriving obligations
80%
manual compliance tasks automated
97%
accuracy in filtering out irrelevant noise
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Background
Ratepay operates in a labyrinth of EU and national payment regulations. As a registered ZAG institution under BaFin, their compliance team faced an unrelenting stream of complex updates — from guideline opinions to binding directives — totaling some 90,000 words every week.
Challenge
Manually sifting through voluminous documents was draining resources and slowing decision-making. Distinguishing the average of 18 applicable updates from a pool of average 68 each week consumed upwards of 10 hours, with up to 12 additional hours per update spent on legal analysis and obligation mapping.
Solution
Kodex AI deployed its Agentic Compliance approach in three phases:
Screening
The AI agent aggregates all regulatory portals into one Inventory, continuously scans for changes, and flags only those relevant for Ratepay’s specific company profile.
Insights
The AI agent transforms dense legal texts into concise, source-cited summaries and translations via an interactive chat interface, based on fine-tuned and custom-trained genAI model.
Governance
The AI agent automatically derives compliance obligations and suggests control measures needed to ensure timely compliance reducing expert work by 80%.
Results
Time Savings
Freed more than 22 hours/week spent on manual scanning and deep-dive analysis.
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Efficiency
Reduced noise by filtering out irrelevant updates with 97% accuracy.
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Risk Mitigation
Proactive alerts and AI-generated action items cut exposure to potential fines.
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Scalability
A future-proof AI backbone adapts to new regulations despite a limited headcount.
