UDM- The Uncharted Genesis (Part 2)
Did you think it’d be easier now?
Think again!
The path ahead?
Sharper. Deeper. Closer to the truth.
Let’s begin again!
9. What Technologies Power UDM?
Microservices Architecture
UDM uses Java, Python along with Go-based modular services with configurable APIs to support multi-network dispute workflows for digital payment channels.
AI & Machine Learning
With AI and Machine learning, UDM performs automated dispute classification, reason code assignment, validation and fraud detection. Also, with OCR-based document analysis, UDM reduces manual intervention.
Real-Time Processing
Kafka event-driven architecture enables real-time dispute ingestion, SLA tracking, and instant notifications
Cloud-Agnostic Infrastructure
UDM supports both cloud (AWS, Azure, GCP) and on-premise deployments, ensuring compliance with stringent banking data regulations. It leverages Kubernetes (EKS, AKS) and Fargate for container orchestration and seamless scalability.
API-First Approach
UDM offers secure RESTful APIs for seamless integration with core banking systems, payment networks, fraud detection tools, and customer communication platforms (WhatsApp, Email, etc.). It supports both real-time API-based filing and file-based dispute submissions, aligning with varied payment network protocols.
Security & Compliance
UDM is PCI-DSS compliant for secure card dispute handling and adheres to RBI and local data residency regulations to ensure full regulatory compliance.
10. What Role does AI Play in UDM?
Challenge: Merchant representments (chargeback counter-responses) traditionally require extensive manual document review by analysts, consuming hours of work per case.
AI Solution: UDM deploys intelligent document processing to:
- Automatically scan submitted evidence materials
- Extract and validate key transaction details
- Cross-reference findings against network/regulatory requirements
- Generate acceptance or escalation recommendations
Impact: The AI eliminates the need for manual document review, dramatically reducing analyst workload while maintaining compliance and accuracy in representment decisions.
11. How does UDM Improve Customer Experience in Dispute Resolution?
12. What’s Next for UDM in Dispute Resolution?
UDM is evolving into more than just a dispute resolution tool, it’s becoming a network-agnostic customer grievance platform built for the future of digital payments.
Here’s what that means:
- Beyond Cards & UPI: Expanding support to cover merchant payment gateways, BNPL, wallets, and cross-border transactions, handling disputes across all digital rails.
- Unified Workflows: Standardizing dispute processes across diverse networks to ensure consistent, seamless experiences regardless of provider or payment type.
- Smarter Automation: Leveraging AI to intelligently resolve grievances at the transaction level, faster decisions, fewer escalations.
- Compliance Made Simple: Bridging network-specific and regulatory gaps so banks and financial institutions can manage all disputes from a single platform.
By becoming truly network-agnostic, UDM is set to empower banks, merchants, and fintech to offer frictionless, future-ready dispute experiences, no matter how the customer chooses to pay.
13. How does UDM Integrate with Bank’s Existing Systems?
Multi-Protocol Connectivity
- REST APIs for modern systems
- SOAP support for legacy infrastructure
- Real-time Kafka streaming for instant updates and SLA tracking
Flexible Data Exchange
- File-based batch processing for networks requiring formal submissions
- Secure transfer protocols (SFTP/cloud storage) when APIs aren’t viable
- Direct links to CBS, fraud management, and reconciliation platforms
Customer Engagement Pipeline
- Seamless connection to existing SMS, email, and WhatsApp channels
- Automated status updates and communication workflows
Deployment Versatility
- On-premise installation for strict security requirements
- Private cloud options for enhanced scalability
- Full SaaS delivery for rapid implementation
This integration framework ensures banks can modernize dispute management while leveraging existing technology investments, providing an adaptive approach that works regardless of technical maturity level or compliance constraints.
14. How does UDM Minimize Manual Intervention While Maintaining Accuracy?
15. How does UDM’s Automation Impacts a Bank’s Cost Saving Measures?
Dispute resolution is no longer a manual, resource-heavy process. With UDM’s intelligent automation, banks can drastically cut costs, improve efficiency, and plug revenue leakage.
Here’s how UDM makes that happen:
Cuts Manual Work by 80%: AI handles dispute classification and decisioning, reducing analyst workload and team size.
Stops Invalid Disputes in Their Tracks: UDM ensures only legitimate cases are filed, preventing chargeback penalties and saving valuable time.
Eliminates Back-Office Bottlenecks: With real-time API integration, disputes are auto filed across networks like Visa, Mastercard, and NPCI, no manual uploads, no delays.
Accelerates Resolution Timelines: SLA-based prioritization and auto-tracking keep disputes on schedule, avoiding penalties and reducing turnaround time.
Reduces Compliance Risks: Automated enforcement of regulatory and network rules protects against costly fines and audit failures.
By automating end-to-end workflows, UDM allows banks to process more disputes with fewer resources, significantly lowering the cost-per-case.
The result?
A smarter, faster, and far more cost-effective dispute management system that scales effortlessly.
16. How does UDM Help a Bank Increase their Win Rates?
17. What advice do you have for Fintech’s and Banks looking to optimize Disputes?
With digital payments on the rise, resolving disputes fast isn’t optional, it’s part of what keeps customers coming back. Whether you’re a growing fintech or a seasoned bank, scaling dispute management without scaling costs is possible, with the right tech.
Automate to Elevate Customer Experience
Speed and transparency go a long way. Implementing an AI-driven platform like UDM means customers receive real-time updates, faster resolutions, and fewer touchpoints. It builds trust and retention.
Handle More, Without Hiring More
From claim validation to evidence gathering, automation handles the heavy lifting. No matter the dispute volume, UDM ensures smooth processing without piling on operational overhead.
Turn Every Fraud Case into a Lesson
Don’t just resolve fraud-related disputes, learn from them. By looping chargeback insights into your fraud prevention tools, you build a smarter, self-evolving system that reduces future disputes.
The bottom line?
Disputes don’t have to be chaotic or costly. By embracing automation and building feedback-driven systems, banks and fintech can not only save money, but also boost customer trust at every step.
It’s a lot, because it has to be!
Managing chargebacks isn’t simple, but with UDM, it doesn’t have to be painful either.
From dispute intake to resolution, fraud detection to compliance, UDM brings it all together in one unified platform.
A single solution. For every post-payment problem.
This is chargeback management, done right.
P.S: What topic do you think we should explore next? Let us know in the comments.
