Ottu, a Kuwait-based online payment management system provider, has announced the launch of ECHO, a platform powered by agentic AI that supports autonomous dispute resolution, merchant assistance, and platform configuration.

According to the company, ECHO makes Ottu the first fintech in the region to introduce AI-driven applications for merchant support, dispute management, and platform control.

The platform is intended to change how merchants handle payments, operations, and customer interactions.

Its functions include AI-enabled dispute management to support faster and more accurate resolution of merchant and customer issues, and transaction story tracking, which provides contextual debugging of payment flows so merchants can identify and resolve transaction problems more efficiently.

ECHO also incorporates platform control and automation, allowing commands to be executed, new merchants to be provisioned, integrations configured, and system settings managed through natural language.

Other features involve behavioural fraud intelligence, using data engineering and AI analysis to detect anomalies and mitigate potential fraud, as well as account-to-account integrations that enable merchants to link their AI agents directly with Ottu’s ecosystem for simpler task execution and payment collection.

“ECHO represents a milestone in Ottu’s journey to redefine online payments and merchant empowerment,”

said Talal Alawadhi, CEO of Ottu.

“By combining our fintech expertise with Google AI and OpenAI technologies and harnessing agentic AI, we are building a system that doesn’t just respond to merchants; it acts on their behalf, autonomously resolving disputes, orchestrating platform operations, and anticipating risks before they occur.”

Featured image credit: Ottu