Oscilar, the AI Risk Decisioning™ platform, is partnering with XC Group, a consultancy that helps global financial technology companies expand and scale across Latin America, to accelerate adoption of unified fraud, credit, and AML capabilities across the region's banking, fintech, payments, and embedded-finance sectors. 

By combining Oscilar’s AI-native risk infrastructure with XC Group’s deep understanding of local regulations, market dynamics, and financial ecosystems, the partnership enables institutions to modernize risk operations while scaling securely and compliantly in one of the world’s fastest-growing markets.

Market growth in Latin America is outpacing legacy risk infrastructure

Financial institutions across Latin America are scaling quickly, launching new products, and facing rising expectations for seamless, secure customer experiences. Yet many still rely on fragmented risk systems that were not built for today’s speed, regulatory demands, or operational complexity. These legacy tools slow decisioning, create compliance challenges, and make it difficult to adapt as markets evolve.

Oscilar’s unified, no-code platform eliminates these barriers by consolidating fraud, credit, and AML decisioning into a single system. Risk teams can design and deploy controls quickly, automate complex workflows with transparency, and scale operations without adding unnecessary complexity.

XC Group complements this technology foundation with the local expertise institutions need to modernize with confidence. The firm brings deep regulatory knowledge, cultural insight, and strong ecosystem relationships, helping financial institutions evaluate, implement, and scale new solutions in ways that deliver measurable operational and compliance outcomes.

For Maristela Martins, CEO and Co-Founder of XC Group, the partnership with Oscilar reflects a broader movement across the region toward modern, scalable risk infrastructure. “Financial institutions are looking for solutions that enable growth without compromising security or compliance,” said Martins. “Legacy systems were not built for the pace of innovation we’re seeing in these markets. Oscilar delivers the unified, intelligent risk platform institutions need to operate efficiently at scale.”

By combining Oscilar’s AI-native platform with XC Group’s deep regional expertise, institutions gain a clear path to adopting technology that removes friction, accelerates execution, and supports sustainable, uninhibited growth.

Bringing AI-native risk operations to Latin America with local expertise and support

Oscilar’s partnership with XC Group helps financial institutions across Brazil and Latin America move from risk strategy to execution with greater confidence. Together, the two companies provide a practical way to deploy modern, AI-native decisioning while accounting for local regulations, market dynamics, and operational realities—so institutions can see value faster and scale with consistency.

“Growth shouldn’t require institutions to work around their risk infrastructure,” said Neha Narkhede, Co-Founder and CEO of Oscilar. “With Oscilar’s unified platform and XC Group’s support, teams can implement modern decisioning that fits their market from day one: enabling faster execution, clearer insights, and more confident growth.”

Institutions adopting Oscilar with XC Group’s support gain:

• End-to-end visibility across risk functions: Fraud, credit, and AML data and workflows are unified in a single platform, giving teams clearer context and enabling faster identification of emerging risks and patterns.
  
  

• Streamlined operations built for scale” Integrated investigation, monitoring, and decisioning workflows reduce manual effort and duplication across teams, allowing organizations to scale efficiently without adding unnecessary tools or headcount.
  
  

• A foundation designed for change: Oscilar’s platform adapts as institutions introduce new products, enter new markets, or respond to regulatory shifts, without disruptive reconfigurations. XC Group’s guidance ensures implementations align with local requirements and deliver measurable operational impact.

As financial innovation continues to accelerate across Latin America, Oscilar and XC Group are enabling institutions to replace fragmented processes with cohesive, future-ready risk operations: supporting both regulatory rigor and the speed of innovation customers expect.

About Oscilar

Oscilar powers real-time risk decisioning across fraud, credit, and compliance with a unified, no-code AI Risk Decisioning™ Platform. Our technology leverages agentic AI and advanced signal processing to analyze complex data, detect anomalies, and automate mission-critical decisions with speed and precision. Built by experts from Google, Meta, Uber, Citi, and J.P. Morgan, Oscilar combines deep technical expertise with cloud-native scalability, transparency, and regulatory-grade performance.

About XC Group

XC Group is a consultancy that helps global technology companies expand across Brazil and Latin America. Led by CEO and Co-Founder Maristela Martins, XC Group provides go-to-market support, ecosystem and relationship development, market intelligence, regulatory guidance, and strategic advisory for financial-sector expansion across banking, payments, insurance, and fintech. Learn more at xcgroup.co.