01 · Card dispute
Three calls to dispute one charge.
The cardholder explains it to three teams and waits days for an answer.
Unknown charge3 calls · 5–7 days
The AI Card OS for banks
Out-serve the fintechs. Without rebuilding the bank.
One AI layer on top of every card system and partner you run. Servicing, disputes, credit and rewards, handled in one place, from the first question until it’s done.
Security you can audit
Audited to the standards banks hold us to
Pan AI runs on Reward360’s independently assessed and audited platform, trusted with the rewards programmes of five major banks for 17 years.
AssessedPCI DSS
Payment Card Industry Data Security Standard
Card data is stored, processed and moved to the standard the card networks require.
CertifiedISO 27001
Information security management
Security is run as an audited system, with risks, controls and reviews on record.
- Audited
SOC 2
Service Organization Control 2 report
Independent auditors test the controls that keep systems secure and available, and report on them.
Assessments, certification and audit held by Reward360, the company behind Pan AI.
Security and compliance →The problem
Revolut didn’t win on cards. It won on how simple everything feels.
Your card does more than theirs: richer rewards, better benefits, decades of trust. But it runs on a dozen systems and dozens of partners. Cardholders feel every seam, and a fintech is one tap away.
What’s broken in card service today
One AI that finishes the job
A disputed charge today goes through the contact centre, fraud and disputes. With Pan AI it’s one conversation, from the first question until it’s done.
Today
3
calls to settle
one charge
Solutions
The card. The rewards. The life around it. All handled by one AI.
I think I left my card in a cab.
Pan AIWorking
Every card request, finished.
Activation, freezes, limits, statements, instalments, fee reversals, disputes and renewals. Pan AI does the work inside your card systems, within your bank’s rules.
Card ConversationsCard portfolios
Every card portfolio. One Card OS.
Renewal
Here’s what you used this year
Premium and affluent
Make the annual fee feel like a bargain.
Lounges, concierge, dining and insurance, used at the moment they matter, so renewal is an easy yes.
Bill due
18th · reminder set
Everyday and cashback
Serve millions for less.
Statements, due dates, payments and fee questions answered and finished, without a call to the contact centre.
Partner offer
Picked for this trip
Co-brand and partner
Keep two brands’ promises in one place.
Your partner’s offers and your bank’s rules, in the same conversation, so the co-brand feels like one card.
Card OS
Sits on top of every card system and partner. Replaces none of them.
You keep the core, the processor, the partners and every system you’ve invested in. Pan AI connects them, so you move at fintech speed with what you already run.
App · Web · Chat
Cardholders ask in the channels they already use. One conversation, from the first question until it’s done.
Card OS· one cardholder view, one set of rules, one record of every action
CardholdersYour teamsPan AI agentsCard processorCore bankingDisputesFraudRewardsCRMTravel partnersConnects to what you already run
Card processorCore bankingDisputesFraudRewardsCRMOffersDiningShoppingEntertainmentInsuranceConciergeTravel partners
Three numbers that decide a card business
We agree the targets with you before we start, and you can check them live on your dashboard.
Goes down
Cost to serve
Fewer calls, fewer handoffs, fewer repeat contacts.
Goes up
Spend per card
Your card stays first in the wallet, for the sofa, the dinner and the trip.
Goes up
Cards kept
Cardholders stay because they use what the card gives them.
A product of Reward360
17 years running loyalty for banks
Reward360 runs the rewards, offers and partner experiences at five major banks. Pan AI brings the same depth to servicing, disputes and credit.
100M+
cardholders reached through the banks we serve
Programmes we run
- HDFC BankSmartBuy
- ICICI BankiShop · iRewards
- Axis BankEdge Rewards
- Kotak Mahindra BankUnbox
- Standard Chartered360° Rewards
Offices in four cities
Bangalore · London · Singapore · Dubai
Security you can audit
Assessed, certified and audited: Reward360
- PCI DSS
- ISO 27001
- SOC 2
Start with one card portfolio
- 01
Choose
The portfolio, the problem and the number to move.
- 02
Connect
Your systems, your partners and your risk rules, through our standard connectors.
- 03
Go live
With real cardholders, and results on your dashboard.
Questions banks ask
Your card processor, core and rewards systems, through our standard connectors. Your team plugs them in, and we agree what data Pan AI can see for the first portfolio.
Book a demo · 30 minutes
Big-bank trust. Fintech speed.
- A live cardholder conversation for a demo bank
- The work happening in the card, dispute and rewards systems behind it
- The live dashboard your teams would use
- The record of every action
