Wibmo ranks 41st in 2025 Chartis retail analytics list

Wibmo has placed 41st in the Chartis Retail Banking Analytics 50 rankings for 2025, a list that assesses technology suppliers working across analytics and security functions in retail banking.

The company operates within PayU and focuses on payment security, acquiring, and issuance platforms. It said the ranking reflected performance across analytical and technology criteria used in Chartis' evaluation.

Chartis assessed suppliers across five areas. These covered breadth and coverage of analytical solutions, market impact, computational infrastructure, strategic alignment, and innovation in analytical environments.

Ranking scope

The assessment covered functional domains used in day-to-day operations and risk management. These included retail credit analytics, fraud and risk management systems, customer behaviour analytics, AI-driven decisioning platforms, and financial optimisation tools.

Wibmo said it works with more than 200 banks across more than 30 countries. The company operates across entities in India, the US, and Indonesia.

The retail banking analytics market has drawn attention as banks expand digital channels and increase automation in customer onboarding, payments and fraud monitoring. Vendors often position their products around real-time decision-making, fraud prevention, and personalisation, as banks seek technology that can handle multiple use cases.

Wibmo highlighted its computational frameworks and its work in machine learning and statistical modelling. It also pointed to product development across payments security, banking operations and decisioning.

Security and analytics

The company sells products in fraud and risk management, digital financial services and prepaid. It also provides merchant acquiring services. Wibmo also described itself as India's largest authentication service provider.

Banks and payment firms are under increasing scrutiny of authentication and risk tools as faster payments and card-not-present transactions grow. The same period has also seen wider use of automated decisioning in credit and fraud models. Vendors in the market often compete on the breadth of analytics coverage and the ability to integrate into existing bank systems.

"At Wibmo, we've always believed that the best solutions emerge from truly understanding our partners' challenges - whether that's enhancing trust, streamlining digital experiences, or strengthening security frameworks," said Shailesh Paul, CEO, Wibmo. "Being recognized amongst the global top-50 reinforces our commitment to building technology that enables our banking partners to grow and serve their customers better. As the industry embraces ever-increasing digitization and AI, we're excited to continue co-creating solutions that make complex payment ecosystems reliable and secure."

Chartis said it used a scoring approach that considered platform breadth, innovation in analytics tools and decisioning frameworks, and ecosystem integration strategies. It also considered market impact and strategic positioning.

Market demand

Retail banks have continued to increase spending on analytics tools as they review fraud risk, credit decisioning and customer engagement. This has also overlapped with modernisation programmes in core banking, payments and data infrastructure. Banks often seek suppliers that offer integrated products across risk, fraud, and customer analytics, rather than point tools that require separate deployment and support.

Wibmo said the ranking came as retail banking institutions prioritise investment in advanced analytics for customer experience, risk management and operational efficiency. It also said its products cover credit decisions, fraud detection, customer acquisition strategies and pricing optimisation.

In its description of areas measured in the Chartis review, Wibmo cited analytics infrastructure, innovation in banking solutions, strategic market positioning, and platform coverage across payments and banking security. The company also highlighted coverage across operations and growth functions within retail banking.

Chartis describes the Retail Banking Analytics 50 as an assessment of solution providers in the retail banking analytics market. It said the evaluation process considers factors including technological innovation, market impact, platform comprehensiveness, and strategic positioning.

Wibmo said it plans to continue product development as banks increase digitisation and adopt AI across payments and retail banking operations.