BS/2 launches new product PulseAI.iQ to accelerate and automate disputed transaction resolution

BS/2 presents an innovative product, PulseAI.iQ — an intelligent analytical system that enables banks to automate the full lifecycle of disputed transactions (chargebacks). The solution uses artificial intelligence and machine learning technologies to accelerate dispute resolution, reduce operational costs, and improve customer service quality.

Contents:

1. Centralized dispute management platform
2. AI-powered analysis and decision-making
3. Deep data integration and process automation

Unified platform for managing all types of disputes

A key feature of PulseAI.iQ is its centralized approach to dispute handling. The system acts as a single point of access for operators, ensuring full transparency and control at every stage of the dispute resolution process.

How it works:

PulseAI.iQ integrates with existing bank data sources — ATM logs, the core banking system, and, if needed, processing, CRM, and other external systems. The system automatically collects, links, and analyzes all necessary information: transaction statuses, equipment error codes, and software logs — forming a complete and accurate picture of each incident. A powerful workflow engine automatically routes each dispute through the optimal resolution scenario.

AI and machine learning at the core of decision-making

PulseAI.iQ solves multiple challenges banks face when processing disputed transactions:

Automatic incident classification

• Intelligent identification of incident type
• Automatic detection of the responsible party
• Pattern recognition based on historical data

Accelerated dispute resolution

• Automatic collection of all necessary information from multiple sources
• Generation of structured analytical insights for each transaction
• Real-time detection of key events and anomalies

Minimizing human error

• Reduction of routine manual work
• Automatic decision-making for common cases
• Continuous improvement of algorithms based on accumulated experience

Self-learning system

One of the most important advantages of PulseAI.iQ is its self-learning capability. Machine learning models (LLMs) continuously analyze historical data, identify new patterns, and improve decision accuracy. Over time, the system becomes increasingly efficient, accumulating expertise and adapting to the specifics of a particular bank.

Integration with the bank’s ecosystem

The solution can integrate with existing banking systems to initiate disputes in real time.

How the analytical environment works:

Data collection:

• Payments.iQ NG agent collects transaction logs and technical event data
• Prometheus records system health metrics

Processing and analysis:

• PulseAI.iQ aggregates data from all sources
• LLMs and ML models analyze data and identify patterns
• Analytical conclusions and recommendations are generated

Visualization:

• PulseAI.iQ displays results in interactive dashboards
• Intuitive interface with advanced filters
• Fast access to all essential information

Integration capabilities:

• Compatibility with the bank’s existing log storage
• Integration with DS Center.iQ for advanced analytics
• Compliance with DevOps and DevSecOps security standards
• Automatic report generation for various departments

Key Benefits of Implementing PulseAI.iQ

Reduced dispute resolution time

• Significant reduction in cycle time per dispute
• Automation of data collection and analysis
• Faster handling of customer inquiries

Lower operational costs

• Minimization of manual labor for operators and analysts
• Reduced employee workload and stress
• Freeing resources for more complex tasks

Improved customer service

• Faster response to customer inquiries
• Increased accuracy and transparency of analytics
• Enhanced customer experience and bank reputation

Independence from developers

• Experience and expertise are embedded into algorithms and models
• Continuous self-learning based on historical data
• System improvement without developer intervention

Expert opinion

Siarhei Kraiko, Head of Product Development Division, BS/2:

“While creating PulseAI.iQ, we responded to the urgent need of financial institutions to automate the complex and labor-intensive dispute resolution process. Our experience shows that the lack of specialized tools leads to significant delays, accumulation of routine work, and increased risk of errors.
PulseAI.iQ is not just a transaction analysis tool. It is an intelligent environment that transforms large volumes of raw data into concrete actions and decisions. The use of AI technologies enables banks to free specialists from routine tasks and direct their efforts toward creating new services for customers.
In a competitive environment with growing requirements from payment systems and rising customer expectations, the ability to quickly and accurately resolve disputes becomes a critically important advantage.”

Part of the BS/2 Ecosystem

PulseAI.iQ is a natural extension of the BS/2 product ecosystem for banks and financial institutions. While ATMeye.iQ ensures security and dispute resolution at self-service devices, Cash Management.iQ optimizes cash handling, Payments.iQ expands device functionality, and CJM&A.iQ analyzes customer experience — PulseAI.iQ completes the cycle, providing automated management of disputed transactions.

All BS/2 products are designed with seamless integration in mind, enabling a comprehensive solution for managing all aspects of transaction workflows.

Expected results of implementation

Experience with analytical systems in financial institutions demonstrates notable improvements in key indicators:

• Shorter dispute resolution cycle — automation of data collection and analysis significantly reduces the time required to process each case.
• Higher decision accuracy — AI minimizes human influence and subjective judgment; decisions are based on multi-factor analysis and historical patterns.

Improved team collaboration — a unified platform ensures transparency for all participants: from front-line operators to analysts and managers. But the main advantage of PulseAI.iQ lies in its self-learning intelligent environment. The system not only automates existing processes but also continuously evolves, accumulating knowledge and expertise — creating a long-term competitive advantage for the bank.

BS/2 specialists are ready to explain how PulseAI.iQ can benefit your company and demonstrate the system’s capabilities using real-world examples.

Sign up for a free consultation and get a product demo!