Modernizing Payment Testing With AI

Payments AI in Payments

Brian Mosley June 9, 2026

4:39

Further to comments made by Jim Perry, Paragon's CEO, in his recent blog article, we are modernizing our business with artificial intelligence—but not by chasing headlines or hype cycles.

We are selectively applying AI where it delivers measurable value: improving operational efficiency, accelerating delivery, and strengthening our product capabilities—while maintaining the trust and precision our customers expect.

This is not a theoretical exercise. It is a disciplined organizational transformation that is well underway. Every decision we make is grounded in outcomes, not assumptions—and every step forward is taken with intention.

A Structured Approach to AI Adoption

Our AI journey is intentionally phased. We are not rushing to scale AI use without understanding its impact on our company, our employees, and our clients.

In an industry where precision is non-negotiable, this level of discipline is not optional—it is essential.

Today, we are focused on building a solid AI foundation through:

- Real-world use case discovery
- Hands-on experimentation and prototyping
- Measured evaluation of productivity and outcomes

Each of these pillars feeds into the next, creating a feedback loop that ensures we learn before we scale and validate before we commit.

Three Key Areas of Transformation

The team at Paragon is currently experimenting with various AI tools and strategies across three key areas.

Operations

We are embedding AI into internal workflows to increase team velocity and improve execution efficiency. From project coordination to documentation and knowledge management, we are identifying the friction points that slow teams down—and applying AI to remove them systematically.
Go-to-Market and Communications

We are evolving how we engage the global payment marketplace and communicate our value to customers. We are using AI to enhance and accelerate the work our teams do, ensuring we show up sharper, faster, and more effectively across the markets we serve.
Product Development

We are selectively introducing AI into our platforms where it creates real customer value. Our product teams are evaluating AI capabilities through the same rigorous lens we apply to every feature we ship: does it solve a real problem, and does it meet the standards our customers rely on?

Governance and Security at the Core

In the financial services ecosystem, responsible AI is foundational, so our implementation is guided by:

Strong data protection and access controls
Clearly defined internal AI usage policies
Auditability and oversight of AI-assisted outputs

AI must enhance trust—not introduce risk.

For Paragon, this is a deeply held principle. Our customers operate in highly regulated environments, and we hold ourselves to the same standard. Governance is not a constraint on our AI ambitions—it is the framework that makes them viable.

Operational Impact: Increasing Velocity with Discipline

We believe AI has the potential to significantly increase both team productivity and delivery speed. We are actively tracking validated use cases and their benefits to:

Quantify productivity gains
Inform future investments
Scale high-impact applications across the organization

Early results are encouraging, and they reinforce our conviction that a measured, evidence-based approach yields stronger and more sustainable outcomes than rapid, unchecked adoption.

AI in Our Product Strategy

Within our product roadmaps, where deterministic testing and validation remain essential, we are taking a targeted approach to AI.

Current areas of interest include:

Fraud intelligence capabilities
Agent-assisted workflows in payments

These are not speculative bets. They are carefully scoped initiatives that address specific, high-value challenges our customers face today—and that align with where the payments industry is heading.

Aligned with Business Outcomes

Our AI investments are tightly aligned with our broader business strategy, including product execution and customer delivery commitments.

This alignment ensures that AI does not exist as a parallel initiative competing for attention and resources. It is woven into the way we plan, build, and deliver—making it a force multiplier rather than a distraction.

Modernization with AI is NOT a single initiative at Paragon. It is an ongoing evolution.

We are not chasing trends. We are building durable capabilities.

And we are doing so in a way that protects what matters most to our clients, our employees, and our shareholders: accuracy, reliability, and trust.

That is the Paragon way - and how we intend to continue leading the evolution of payments.

FAQs

How is Paragon using AI in its products and services?

Paragon is selectively integrating AI into its product roadmap in areas where it delivers clear, measurable value—such as fraud intelligence capabilities and agent-assisted workflows in payments. Importantly, deterministic testing and validation remain central to our platforms. AI enhances our offerings; it does not replace the precision and reliability our customers depend on.

Does Paragon's use of AI affect data security or compliance?

No. Responsible AI is foundational to everything we do. Our AI implementation is governed by strong data protection and access controls, clearly defined internal usage policies, and full auditability of AI-assisted outputs. In the financial services ecosystem, AI must enhance trust—not introduce risk—and our approach reflects that principle at every level.

Is Paragon replacing human expertise with AI?

Not at all. Our AI strategy is designed to augment human capabilities, not replace them. We are using AI to increase team velocity, improve execution efficiency, and free up our people to focus on higher-value work. Every AI use case is carefully evaluated for its real-world impact on productivity and outcomes before it is scaled.

What makes our approach to AI different from other vendors?

We are not chasing trends or adopting AI for the sake of headlines. Our approach is intentionally phased—grounded in real-world use case discovery, hands-on experimentation, and measured evaluation. Every AI investment is tightly aligned with our broader business strategy and customer delivery commitments, ensuring we build durable capabilities rather than short-lived features.