CentricOS offers an Enterprise Decision Operating System that automates the full decision lifecycle for payment and financial services firms. It connects to over 40 pre‑built FSI data sources, runs decision blueprints that improve with each use, and includes a Model Studio that trains custom AI models on‑premise without vendor lock‑in. The platform enables organizations to streamline data integration, execute intelligent decisions, and continuously refine outcomes.
Funding
Funding not disclosed
Founders
Product
Problem
Financial services organizations often rely on fragmented, manually integrated data pipelines and static rule‑based decision engines, leading to slow, error‑prone payment approvals and limited ability to adapt to evolving fraud patterns or regulatory requirements.
Solution
CentricOS provides an enterprise‑grade Decision Operating System that orchestrates the entire decision lifecycle for payments and related financial services. The platform connects to more than 40 pre‑built FSI data sources without retaining any raw data, ensuring compliance and data privacy. Decision Blueprints—structured frameworks built on seven OS layers—apply AI models to generate real‑time decisions and continuously improve outcomes through feedback loops. Model Studio lets customers train and refine AI models on‑premise, eliminating black‑box dependencies and vendor lock‑in. Workflow Studio integrates Blueprint outputs directly into existing approval, alert, escalation, and audit workflows, enabling automated, auditable decision execution across the organization.
Target Audience
Primary customers are banks, payment processors, and fintech firms that need to automate and continuously optimize payment risk assessment, fraud detection, and compliance decisioning within their existing technology stack.
Features
- Over 40 pre‑configured financial‑services connectors with zero data retention by design
- Seven‑layer Decision Blueprint architecture that encapsulates data ingestion, feature engineering, model inference, scoring, and action logic
- Model Studio for in‑house AI model training, versioning, and monitoring without external data exposure
- Workflow Studio to map decision outcomes to downstream systems such as approvals, alerts, escalations, and audit logs
- Continuous learning loop that updates models and decision rules based on real‑world outcomes
- Fully auditable decision trails supporting regulatory compliance and internal governance