Ciklum

Agent Pay and Verifiable Intent set the pace; decades-old authorization and settlement code sets the limit. Ciklum's AI-assisted engineering refactors Mastercard payment rails incrementally, accelerating delivery velocity while protecting network stability.

Agentic AI roadmaps are public. Agent Pay, Verifiable Intent, and AP4M signal where Mastercard is leading the industry. The real challenge is turning those ambitions into secure, compliant, production-ready releases at network scale. Ciklum helps Mastercard teams move from AI roadmaps to production with greater speed and predictability through AI-powered engineering.

Customer expectations move faster than product roadmaps. Break through the gap by connecting consumer insight to product, engineering and investment decisions. Prioritise what customers value and move the right ideas into delivery faster.

The EU AI Act, exploding data volumes, zero tolerance for blind spots. The regulatory clock moves faster than most audit workflows.

As AI use spreads, ad hoc approvals become a barrier to scale. Build review and deployment guardrails into every workflow and reduce the risk of uncontrolled AI reaching production.

If legacy architecture is limiting scale or release velocity, bring us the problem. Ciklum’s engineering teams can help assess the constraints, define the modernisation path and plan change around live operations.