FCA/PSR APP Fraud Tech Sprint – Award Winner
Fastest prototype in the FCA TechSprint
Evaluation Panel
FCA/PSR
“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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