RegTech

FCA/PSR APP Fraud Tech Sprint · Award Winner

Fastest prototype in the FCA TechSprint

Evaluation Panel

“The prototype demonstrated not just innovation, but practical feasibility. It had the shortest time-to-market and clear impact potential.”

The FCA/PSR sprint focused on tackling APP fraud with explainable, governable intelligence capable of real deployment. Bugni Labs delivered a multi-agent APP fraud model with explainable AI and human-in-loop governance: a fully working prototype in days with clear real-world impact potential.

Impact

Multi-agent APP fraud model with explainable AI and human-in-loop governance: fully working prototype delivered in days.

Context

The sprint focused on tackling APP fraud with explainable, governable intelligence capable of real deployment.

Value Delivered

Multi-agent APP fraud model

Multiple specialised AI agents collaborating to detect authorised push payment fraud across different signal types.

Explainable AI + reasoning trails

Every fraud signal accompanied by a human-readable reasoning trail, meeting regulatory requirements for explainability.

Human-in-loop governance

Supervisory controls enabling human review and override of agent decisions, with full audit trails.

Fully working prototype in days

Fully working prototype delivered within the sprint timeframe, demonstrating real-world deployment feasibility.

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