Ensure fintech programs scale disputes safelywithout increasing oversight burden
Efficio gives sponsor banks confidence that fintech programs can scale dispute operations without increasing regulatory exposure. It enforces consistent, auditable dispute handling across programs while keeping decision ownership with the fintech.
Better Compliance
Consistent, auditable handling enforced across every sponsored program
High Visibility
Oversight of program-level dispute exposure without chasing reports
Happier Customers
End cardholders get faster, more predictable resolutions
Scalability
Add programs without adding proportional oversight headcount
33
94.7%
5
34
7d
10.9m
Avg Handle Time
iMinutes
Disputes by reason
iPercentage
- 78.9% Unauthorized
- 8.3% Error
- 8.7% Merchant
- 4.1% ATM
SLA
i% of cases meeting SLA
Resolved disputes by agent
iDispute count
Values
Control-First automationfor Dispute Operations
Efficio puts humans in control and lets automation and AI expand safely based on your risk appetite, regulatory requirements, and customer experience goals.
Automate what's clear-cut
Automate straightforward, black and white cases. Reduce manual effort and free your teams from repetitive work
Channeled human effort
Route complex or sensitive disputes for human (agent) review with full context and AI-supported recommendations
Learn from every dispute
Feed back every outcome into the system to improve workflows, scale automation, and generate intelligence for your upstream risk controls
Join sponsor bankssafeguarding billions.
Join the world's top sponsor banks protecting billions in assets with Efficio.