CFS-Zipp Limited
Empowering EMI Operations through the AnankAI
Fintech SaaS Platform
Explore the Case study
Overview
A Unified Platform for Complex Financial Operations
CFS-Zipp Limited, an Electronic Money Institution (EMI) licensed in the UK and Europe, sought a unified technology platform to streamline its complex Electronic Money Distribution (EMD) Agency model. Managing multiple agents, distributors, and customer tiers required a system capable of maintaining regulatory compliance, real-time visibility, and operational efficiency across its financial ecosystem.
Multi-Agent Network
Managing complex hierarchies of agents, merchants, and distributors
Cross-Border Operations
Wallet and account services across multiple partners and regions
FCA Compliance
Strict compliance and reporting requirements under regulatory supervision
THE CHALLENGE
Overcoming Operational Barriers
CFS-Zipp’s EMI operations involved a hierarchical network that demanded precision, transparency, and regulatory adherence at every level.
Fragmented Systems
Multiple disconnected platforms hindering unified operations
Complex Reconciliations
Manual processes leading to errors and delays
Delayed Reporting
Inability to generate real-time regulatory reports
Limited Scalability
Infrastructure constraints blocking growth potential
“Manual oversight and fragmented systems led to limited scalability, complex reconciliations, and delayed reporting – hindering efficiency and transparency.”
THE SOLUTION
AnankAI Fintech SaaS Platform
A modular and scalable solution designed for digital financial operations, leveraging a powerful Hierarchical Account Model.
Hierarchical Model
Created multi-tiered structures for Agents, Merchants, and Customers with full visibility and control.
Real-Time Wallet & Ledger
Centralised fund movement and reconciliation with instant balance updates across all tiers.
Compliance Automation
Integrated KYC, AML, and transaction monitoring tools for seamless regulatory adherence.
Role-Based Access Control
Customised permissions for each agency level ensuring data security and operational integrity.
Reporting & Analytics
Real-time regulatory and performance dashboards with comprehensive audit trails.
Platform Capabilities
Compliance Features
- Map and manage every level of EMD Agency structure
- Precision and control across all operations
- API-driven configuration for rapid onboarding
- Scalable architecture for growth
- Automated KYC/AML verification workflows
- Real-time transaction monitoring
- Comprehensive audit trails
- FCA-compliant reporting tools
RESULTS
Transformative Impact
The implementation of AnankAI’s platform delivered measurable improvements across all operational metrics.
60%
Reduced Manual Oversight Through automated reconciliation
100%
Regulatory Compliance Transparent and auditable transactions
3x
Faster Onboarding API-driven agent configuration
1
Single View Of all balances, flows, and activities
CONCLUSION
Setting a New Benchmark
With AnankAI’s Fintech SaaS Platform, CFS-Zipp successfully transformed its EMI operations — achieving end-to-end control, compliance, and agility. The hierarchical model now serves as the backbone of CFS-Zipp’s EMD Agency framework, setting a benchmark for scalable digital financial operations across Europe.
End-to-End Control
Full Compliance
Operational Agility
Scalable Growth
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