NaNOCPP

1.6 + 2.0.1
Production Tested

NaNOCPI

2.2.1 Roaming
Native Support

24x7

Charging Network
Operation

2ISO

9001 & 27001
Certified

4-Hour

Engineering
Response SLA

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Why CPOs, Fleets & OEMs Choose AddWeb

🇺🇸

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Sound Familiar?

EV software fails in three predictable ways: chargers that go offline at 11pm Friday and stay offline until Monday; fleet AI that backtests perfectly and breaks the moment cold weather drops range by 20%; and OEM driver apps that look beautiful in the demo and crash in the parking lot. Most EV vendors solve for the demo. We solve for the field.

Our packaged charging platform handles 70% of our use cases. The other 30% are exactly what our enterprise customers keep asking for — and what our roadmap can’t deliver.

Our drivers are stranded twice a week because the charging schedule does not understand cold weather, route deviations, or that station that always has one broken stall. We need software that understands reality.

Our connected vehicle backend was built five years ago for a different business. Now we have driver apps, third-party data partners, and OTA pressure — and a backend that cannot scale to it.

Our utility wants V2G participation. Our regulator wants demand-response data. Our customers want one bill. We have nothing that talks to all three.

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In EV mobility, downtime isn’t a bug. It’s a stranded driver. We engineer for both.

We are not a body shop. We are not a feature factory. When we ship AI for Fintech, we ship the trained model, the MLOps pipeline, the explainability layer, the audit trail, the compliance documentation, and the runbooks. Engineering integrity is not optional in a regulated environment.

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Five Capabilities, One Integrated Practice

Most clients engage on one capability and expand to two or three over 12–18 months. Each is engineered to ship standalone or as a unified AI platform across your fintech stack.

CAPABILITY 01

AI Fraud Detection & Risk Scoring

Real-time transaction scoring with sub-100ms inference latency. Custom-trained on your transaction profile. SHAP explainability built in so every block decision is auditable. Adapts to novel fraud patterns within hours, not retraining cycles.

  • Sub-100ms scoring at production transaction volume
  • SHAP explainability for every block / approve / review decision
  • Adaptive learning on novel fraud patterns within hours
  • Champion-challenger frameworks for risk team approval
  • Integration with Sift, Riskified, Forter, or in-house signals

XGBoost

PyTorch

Kafka

SHAP

Feature Store

CAPABILITY 02

AI Underwriting & Credit Decisioning

Alternative-data credit models for thin-file and underbanked applicants. Bias detection and fair-lending compliance built into the pipeline — not audited after the fact. Champion-challenger frameworks keep your risk team in control of every model promotion.

  • Alternative-data scoring for thin-file applicants
  • ECOA + Fair Lending Act bias detection in pipeline
  • Champion / challenger model promotion frameworks
  • Decline-reason explanation for regulatory compliance
  • Integration with FICO, Plaid, Yodlee, alternative bureaus

scikit-learn

LightGBM

Fairlearn

MLflow

Plaid API

CAPABILITY 03

AI for KYC, AML & Compliance

Document AI for ID verification (passports, driver’s licenses, utility bills) at 99%+ accuracy. Transaction-monitoring agents that flag suspicious activity 24/7. Sanctions screening integrated with OFAC, EU, and UN watchlists. Built for regulator handoff.

  • 99%+ accuracy on supported KYC document types
  • OFAC + EU + UN sanctions screening
  • 24/7 transaction monitoring with case management
  • SAR drafting assistance for compliance officers
  • Integration with ComplyAdvantage, Onfido, Jumio data

Computer Vision

OCR

YOLOv8

Transformers

Neo4j

CAPABILITY 04

Conversational Banking & Voice Agents

Voice agents for balance inquiries, card disputes, and loan applications. Chatbots that escalate intelligently — PII-aware, compliance-aware, with full conversation audit trails. Multilingual support across 40+ languages with regional banking context.

  • Voice agents for inbound and outbound customer flows
  • PII-aware chatbots with compliance-safe escalation
  • 40+ language support with regional banking context
  • Full conversation audit trail for regulator review
  • Integration with Twilio, Genesys, Salesforce, ServiceNow

LLM Orchestration

Twilio

Whisper

RAG

LangGraph

CAPABILITY 05

AI Personalization & Predictive Insights

Next-best-action engines for upsell, retention, and product recommendations. Churn prediction with 60+ days of forward visibility. Privacy-first architecture using federated learning, on-device inference, and synthetic data — GDPR, CCPA, DPDP-aligned.

  • Next-best-action engines for upsell + retention
  • 60-day forward churn prediction with intervention triggers
  • Federated learning for privacy-preserving training
  • On-device inference for sensitive personalization
  • Synthetic data generation for restricted-data jurisdictions

PyTorch

TensorFlow

Recsys

Federated Learning

Snowflake

CAPABILITY 06 — DISCOVERY

AI Opportunity Assessment

A 45-minute strategy call followed by a 2–3 week feasibility audit. We map the highest-ROI AI use case in your specific business, recommend build-versus-buy, and produce a calibrated roadmap. Whether or not we work together afterwards.

  • Production data audit (under NDA)
  • Build-versus-buy analysis vs packaged vendors
  • Use-case prioritization scored by ROI + complexity
  • Feasibility report with go/no-go recommendation
  • Calibrated cost, timeline, and ROI model

Free 45-min Call

$15K Discovery Sprint

Fixed Scope

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How the Stack Fits Together

Four layers. Each independently swappable. Cloud-agnostic, vendor-agnostic, and built so you are never locked into a single provider.

Layer 4 — Customer Apps

React + Next.js · Mobile SDKs · Twilio · Genesys

Layer 3 — Compliance

SHAP · Bias detection · Audit logs · Drift monitoring

Layer 1 — Data & Features

Snowflake / Databricks · Kafka · Feast

↑↓ Bidirectional data flow · Sub-100ms inference at edge · Audit-grade logging at every layer ↑↓

Why this matters: Every model decision must be explainable, auditable, and reversible. Layer 3 (compliance) is not a layer we add at the end — it is wired into every inference call. Your regulator should be able to trace any decision back to the exact features, model version, and threshold that produced it. Our architecture treats that as table stakes, not as a feature.

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KYC AI · Transaction fraud scoring · Conversational support · Churn prediction · Personalized product recommendations

Faster onboarding without raising fraud. Lower support cost without raising NPS pain. Retention lift through proactive interventions.

Thin-file underwriting · Approval-rate lift · Default prediction · Collections optimization · Pre-qualification

ECOA + Fair Lending alignment. Approval-rate lift without raising default. Regulator-ready decision explainability.

Real-time fraud scoring · Sanctions screening · Dispute resolution · Merchant risk · ACH return prediction

Lower fraud losses without raising friction. Sanctions accuracy that passes audit. Faster dispute closure with full audit trail.

AML transaction monitoring · Customer 360 · Relationship manager AI · Branch operations AI · Regulatory reporting

Audit-ready model governance. Regulator sign-off processes. Modernization without disrupting core banking operations.

Underwriting AI · CV-based damage assessment · Claims fraud detection · Document AI · Risk pricing

Faster quotes without raising loss ratio. Lower claims fraud. Audit-ready underwriting decisions.

Robo-advisor logic · Trade surveillance · Personalized advisory content · Onboarding KYC · ESG scoring

FINRA / MiFID II / SEBI compliance built in. Personalization without crossing suitability lines. Surveillance audit-ready.

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US-Registered. Globally Delivered. No Compromise on Quality.

The structure that lets us match US-based AI consultancies on engineering caliber while delivering materially lower total cost of ownership.

US-Registered Headquarters in Greenville, SC. Account managers and senior architects based in the US for procurement, contracting, IP transfer, and on-site engagements with regulated financial institutions. Dedicated NJ office for Northeast and Wall Street clients.

Senior Engineering Center in Ahmedabad, India. 160+ engineers including ML scientists, fintech specialists, MLOps engineers, and full-stack developers. ISO 9001 + 27001 certified facility. Same caliber as US-based teams at materially lower cost.

4-Hour Daily Time Zone Overlap with US Eastern and Pacific. Daily standups in your time zone. Senior engineers travel to client sites for compliance discovery, model validation, and regulator-facing engagements. One accountable account lead — never handoffs across geographies.

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The Production AI Stack We Deploy

Vendor-agnostic engineering. Standardized on industry-grade tooling trusted by global financial institutions. Final selection driven by your existing data infrastructure, compliance requirements, and cloud preferences.

ML Frameworks

Deep learning · production-grade serving

End-to-end ML pipelines

Classical ML · interpretable models

Tabular data · fraud + credit

NLP · LLM fine-tuning

End-to-end ML on AWS

Enterprise Azure environments

Google Cloud-native ML

Sovereign / on-prem deployments

Data + ML platform integration

MLOps & Monitoring

Experiment tracking + model registry

Feature store

Drift + bias monitoring

Experiment tracking

Orchestration

Per-prediction explainability

Bias detection across protected attributes

Deep model interpretability

Local explanation generation

Per-inference tracing

Real-time event streaming

Sub-ms feature lookup

Streaming feature computation

Model serving at scale

Low-latency inference APIs

Open banking + alternative data

Voice + chat infrastructure

Sanctions + KYC providers

Financial Services Cloud

Core banking integration

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How AI for Fintech Engagements Run

Six phases. Each with defined deliverables, sign-off gates, and clear go/no-go decisions. The same methodology we use for $15K Discovery Sprints and $360K+ multi-model platform engagements.

01

Discovery + Data Audit

Production data review under NDA. Use-case prioritization. Build-versus-buy analysis vs packaged vendors. Output: feasibility report with calibrated cost, timeline, and ROI model.

02

Architecture + Compliance Design

Model architecture, MLOps stack, explainability layer, bias detection, audit logging design — all reviewed by your compliance team before any code is written.

03

Model Training + Validation

Custom model training on your data. Champion-challenger frameworks. Bias and fair-lending validation. Backtest performance against agreed KPIs. Compliance documentation drafted in parallel.

04

Shadow Deployment

Model deployed in shadow mode running parallel to existing production logic. Comparison reports against current decisioning. Risk team approval before any live traffic switches.

05

Phased Production Rollout

Gradual ramp from 1% to 100% production traffic with monitored KPIs at each tier. Champion model promotion only on demonstrated lift. Live MLOps monitoring established.

06

Handover + Optional MLOps

Full IP transfer. Source code, models, pipelines, runbooks. Optional Annual MLOps Contract for drift monitoring, retraining, and expansion to additional use cases — or full handoff to your team.

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Discovery Sprint

2-3 week fixed-scope feasibility audit. Best for fintech teams unsure whether to build, buy, or partner — or which AI use case to ship first.


2-3 weeks · fixed price

Multi-Model Platform

Phased rollout across 3+ AI capabilities or multiple lines of business. Standardized architecture, centralized MLOps, embedded ML retraining, dedicated AI practice embed.


6-12 months · phased delivery

Typical Payback: 6–14 Months

For fraud detection: typical payback in 6-12 months driven by reduced fraud loss and lower false-positive friction. For AI underwriting: 9-14 months from approval-rate lift without raising defaults. For KYC automation: 6-9 months from manual review reduction. Discovery includes a calibrated ROI model based on your actual loss rates, volumes, and current process costs.

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All comparisons based on typical mid-market enterprise fintech engagements in North America and Europe. Actual figures vary by scope, data complexity, and vendor selection.

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How We Make AI for Fintech Low-Risk

Most enterprise AI projects fail in production — not in development. We have engineered five concrete safeguards to flip those odds.

If our 2-3 week Discovery determines you should buy a packaged vendor instead of build, we tell you. You pay only for Discovery — never for the wrong build.

Mutual NDA before any data review. Every engineer signs an individual NDA. ISO 27001 certified. Default architecture: your data never leaves your environment.

Every model runs in shadow mode parallel to your existing decisioning before any production traffic switches. Risk team approval required at every promotion gate.

Live traffic ramps from 1% to 100% in monitored stages. Final 20% payment only releases after the system meets contractual performance KPIs in production.

Source code, AI models, training pipelines, MLOps configs, dashboards, runbooks — all yours on completion. No retention, no lock-in, no perpetual license fees.

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Built to Pass Regulatory Review

Fintech AI requires more than working code. It requires audit-ready documentation, certified processes, and regulator-aligned engineering that satisfies your supervisory authority.

Quality Management + Information Security. Both certified. Audit-ready for enterprise procurement.

Security, availability, confidentiality controls aligned with SOC 2 Type II reporting expectations.

Data residency by design. EU + UK + US + India + Australia frameworks. Federated learning where required.

Worked with institutions answering to all four. ECOA + Fair Lending. MiFID II. PSD2. Basel III aligned.

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This Is One Industry. We Run an Entire AI Practice.

Three owned AI products. Four years of production AI work. Open-source contributions on Hugging Face and Kaggle.

Beyond AI for Fintech, AddWeb operates a full AI Solutions practice covering Generative AI & LLM development, AI Agents & Automation, Custom ML, Computer Vision, AI Voice Agents, and AI for eCommerce. Three of our AI products are in production today:

AddWeb AI

Customizable AI Platform for Business Workflows

EcomSupport360

AI-Powered eCommerce Automation

WeWP

AI-Driven WordPress Hosting

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How We Engineer AI for Fintech

AI-native since 2022 — embedded into your stack, not bolted on top.

Shadow deployment. Phased rollout. Calibrated KPIs. Audit-ready documentation.

4.2 year average relationship. 98% retention. We grow with you.

Open-source proof on Hugging Face + Kaggle. ISO 9001 & 27001 certified.

Sprint reviews. Milestone reports. Direct engineer access. You see everything.

13+ years shipping. 1000+ projects. Real production AI today.

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The 30-Point Fintech AI Readiness Checklist

Before you commit $85K+ to an AI project, audit your readiness across 30 critical factors — data infrastructure, regulatory environment, build-versus-buy criteria, MLOps capability, compliance posture, and team readiness. Used by CTOs and Heads of AI to de-risk fintech AI investments.

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Three Ways to Start. Pick Your Commitment Level.

From a 30-minute Discovery Call to a free readiness checklist, every entry point is designed to give you something useful before you commit a dollar.

We respond within 4 business hours · NDA available on request · ISO 27001 certified · US-registered

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