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Payments and fintech

Every merge approved. Every release traceable. Every incident on record. All inside your firm's own boundary.

Your engineering teams ship faster without loosening a single control. AI agents do the routine work of planning, coding, testing, releasing and watching production, and every step lands in a record your security, compliance and audit teams can read.

For engineering, platform, security, compliance, financial crime and operations teams at payment and e-money institutions, card issuers, acquirers, processors and fintechs, in the UK, the EU and the US.

Why it slips today

Where the hours and the risk go.

€4.2bn
Payment fraud reported across the EEA in 2024
In the 2025 report by the European Banking Authority and the European Central Bank, with card fraud rates about seventeen times higher when the other party was outside the EEA.
80%
Of payment card breaches came from attacks on checkout pages
In Verizon's 2025 Data Breach Investigations Report, attacks that plant code on online checkout pages copied card details as customers typed them.
30%
Of breaches involved a third party
In the same report, the share of breaches involving a third party doubled in a year, from 15%.
Engineers use AI tools on their laptops that nobody approved, and code, fraud rules and prompts leave the firm.
Fraud rule changes are made in a hurry, with no record of who checked them.
Card network rule changes are tracked in a spreadsheet, apart from the code that carries them out.
Evidence is gathered by hand before every assessment and audit.
Use cases

Your AI agents do the routine work. Your people keep the decisions.

Fraud rule changes tested and reviewed

Where your fraud rules live in code or configuration, each change is prepared by an AI agent, tested on sample transactions with real card numbers removed and approved by your fraud team before it reaches production.

Card network changes tracked to release

Each card network and regulatory change your compliance team hands over becomes a ticket with its deadline, tracked from ticket to release, with a report on which are on track.

Card numbers masked in messages

Once you turn on message scanning, a card number in a JuhJuh message or an AI agent's reply is masked or blocked before it is saved, or flagged to your managers. Card numbers and security codes are also hidden from the logs of what AI agents do.

Payment page changes reviewed

Every new or changed piece of code on the pages where customers enter card details is checked by the security review AI agent and approved through the merge, so you know who authorised it.

Authorisation and settlement incidents

The SRE on-call AI agent opens the incident, finds the release behind it and writes the timeline as you work, so card authorisation and settlement recover fast and your incident manager starts from the facts.

Evidence for your MLRO and assessor

The compliance evidence AI agent assembles every change to transaction monitoring, sanctions screening and in-scope systems from the record, ready for your MLRO and your PCI DSS assessor once a person signs it off.

A second review on another model

A reviewer AI agent on a different AI model checks every change against its acceptance criteria, and the AI agent that wrote a change never approves it.

Releases a person controls

The release AI agent prepares the change record and rollback plan, and a person approves every deploy to production and every rollback, with blue/green releases and one-step rollback built in.

Before and after

The same week, with JuhJuh.

SituationCard authorisations start timing out at 1:40am.
Before

Alerts from separate tools wake the on-call engineer, who pieces together logs, recent releases and a call with colleagues before anyone knows what changed.

After

The SRE on-call AI agent opens the incident, finds the release that caused it and sends a voice note. She approves the rollback with one tap, and authorisations are back to normal by 2:02am.

SituationThe head of fraud wants a tighter rule on a new pattern of card testing.
Before

The rule is changed in a hurry to stop the losses, and nobody can later show who checked it or how it was tested.

After

She approves the spec, the fraud rules AI agent prepares and tests the change on sample transactions, the reviewer AI agent checks every criterion and a senior engineer approves the merge.

SituationThe PCI DSS lead and the MLRO each ask for last quarter's changes.
Before

Engineers spend days pulling tickets, approvals and deploy logs from three different tools into a spreadsheet.

After

The compliance evidence AI agent lists every change to the payment page code and the transaction monitoring system from the record, with who approved each, for a person to sign off.

Who it is for

Every role gets time back.

Chief technology officerFaster delivery across every team, with one standard and one record.
Chief information security officerAI kept inside your boundary unless your rules allow a public model, and a record of every action.
Head of engineeringEvery change built to the same standard, whoever or whatever wrote it.
Platform and site reliability engineersPipelines, releases, alerts and on-call in one place, with the routine work done for you.
Head of complianceChange, incident and access evidence on request, and card network changes tracked to release.
MLROEvery change made through JuhJuh to transaction monitoring and sanctions screening on record, with who asked, who approved and when it went live.
Head of fraudFraud rule changes prepared, tested and released through review, with your team approving what gets built.
PCI DSS leadChange, access and audit records for the systems you've put in scope, ready for your assessor.
Head of payment operationsCard authorisation, settlement and your other important business services linked to the changes and incidents that affect them.
Control and where it runs

A person approves anything consequential.

What your AI agents never do on their own

  • Merge a change. A person decides, after a reviewer AI agent on a different model has checked it.
  • Deploy to production or roll back, including a fraud rule change kept in your code or configuration.
  • Change production settings, access or secrets. AI agents prepare the facts for the person who decides.
  • Decide whether to report suspicious activity. That stays with your MLRO.
  • Decide whether to report an incident to a regulator. That stays with your incident manager.
  • Sign off evidence for your assessor, an auditor or a regulator.

Self-hosted, connected or air-gapped

JuhJuh runs as your own installation, in your own cloud account or your own data centre, connected or fully air-gapped. Open-weight models from the Mistral, DeepSeek, GLM and Kimi families run inside it, so cardholder and transaction data, fraud rules and routing logic never leave your boundary unless you connect an outside service, approve a website for your AI agents or approve sending them out.

You and your qualified security assessor decide what is in scope for PCI DSS. JuhJuh doesn't say whether your installation is in or out of that scope. It gives you the settings and records you and your assessor can draw on, and our engineers install it with you and configure it to the controls your regulators and the card networks expect.

Bring AI into payments engineering, inside your boundary.

Start with one or two teams and add the rest when you're ready. That's the juju.

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