Andrei Rebrov from Finsi joined PAYMENTS FM to talk about AI analytics for ecommerce payments, how teams find payment problems faster, and what still needs human judgment.
State of Payments survey
We are launching the State of Payments survey. It takes about four minutes to complete, and anonymous responses are welcome. We will publish the results at the end of the year.
We are launching the State of Payments survey. It takes about four minutes to complete, and anonymous responses are welcome. We will publish the results at the end of the year.
Why this matters
Ecommerce teams already have a lot of payment data. The problem is finding the signal quickly enough to do something useful.
A checkout change can move approval rates. A customer segment can perform worse than expected. A provider issue can look small in aggregate and painful in one market. AI analytics can help teams notice patterns faster, explain them in plain language, and decide where to investigate.
The value comes when analytics leads to an action: a test, a routing change, a checkout fix, a fraud rule review, or a better question for the provider.
What to watch
Use AI analytics around metrics that connect to revenue and customer experience.
Approval rate changes
Checkout conversion
Decline patterns
Segment performance
A/B test results
Provider anomalies
Data quality gaps
Actions taken after alerts
What it means for your team
AI analytics is useful when payment data connects to orders, customers, checkout behavior, and business outcomes.
Product can see where checkout flow changes affect payment completion. Finance can understand revenue impact. Risk and fraud teams can review rules with better context. Engineering can spot integration issues faster. Operators can triage payment problems without waiting for a manual report.
What to do next
Start with a small number of high value questions.
Pick the metrics tied to revenue
Connect payment and order data
Review data quality first
Use alerts for real decisions
Validate findings with operators
Track fixes after insights
Keep ownership clear
Questions to ask internally
Which payment questions take too long to answer today?
Can we connect payment data to checkout and order data?
Which alerts lead to action?
Who reviews AI generated findings?
How do we know a recommendation worked?
Is the data clean enough for useful analysis?
Guest perspective
AI analytics works best when it starts with clear business questions.
Payment data needs context from checkout, orders, customers, and experiments.
Teams should use AI to find patterns faster, then apply payment judgment.
The best test is whether analytics changes decisions and improves performance.
Listen or watch
Resources
Related episodes
Open Banking and Pay by Bank with Anubhav Pradhan, ShiftMate
Benefits of Payment Orchestration with Zubin Vandrevala, Gr4vy
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