蚂蚁国际与其商户支付和数字化服务提供商Antom合作，扩展了其商户支付 AI 功能。
该公司的人工智能代理 Antom Copilot 现已扩展其在支付集成、用户引导、风险配置和退款解决方案方面的功能。Antom Copilot 于 2024 年在蚂蚁国际的支付宝+ GenAI Cockpit 上推出。作为一个 AIaaS 平台，它支持金融科技公司和超级应用开发人工智能代理和人工智能原生金融服务。
Antom 的新功能
据 Antom 称，近一半的中小企业客户并未积极应对退款。Antom Copilot 2.0 旨在通过提供退款人工智能助手 (Chargeback AI Assistant)，为中小企业和电商平台提供更快速、更有效的解决方案，以应对复杂的争议解决和收入损失追回问题。该助手基于自动化的个案分析，提供定制化的响应策略，帮助商家改善收入控制和客户服务。此外，它还提供文档支持、成功率分析、防御构建和后续服务分析。试点测试显示，胜诉率提高了 3%，而争议解决时间减少了 46%。
此外，为了确保可靠性和准确性，该流程包含直接来自 Antom 的商户审核和人工验证。其他更新允许用户根据自身需求以及 Antom Copilot 对行业趋势和市场状况的分析，获得有关支付方式、收单服务和集成解决方案的建议，从而帮助用户更快、更高效地部署本地化支付方式。Antom Copilor 2.0 还提供 AI 辅助引导，依靠多模式 LLM 功能提取商户注册文件。此外，商户可以使用自然语言提示配置风险管理设置，AI 驱动的欺诈检测工具更加便捷易用，管理也更加便捷。
通过使用 CoT 推理、SOP 自动化、LUI 和 GUI 用户界面以及 AI 驱动的代码生成，该平台可将集成速度提高 90% 以上。2025 年上半年，使用 Antom 仪表板的商家中有 56% 与嵌入式 Antom Copilot 进行了交互。
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