Proto and Tazama have formalised a collaboration to bridge the gap between financial crime detection and real-world regulatory action.
At the core of the partnership is a shared principle: identified risks must be embedded into the systems that investigate and resolve consumer harms. By integrating Tazama’s open transaction monitoring framework with Proto’s AI-based financial consumer complaint and redress platform, Tazama implementers gain an anti-scam operating system that transforms alerts into structured investigations, supervisory actions, and measurable outcomes.
For regulators and payment networks, this allows the correlation of scam behaviour with post-incident reports in high-volume environments.
What this collaboration enables
By partnering, Proto and Tazama can unlock:
- Seamless flow of financial crime alerts into supervisory enforcement workflows, reinforced by actual scam reports from consumers
- Integration of transaction risk signals with grievance redress mechanisms
- End-to-end auditability from detection through resolution
This approach reflects a shift away from standalone compliance tools toward interoperable digital public infrastructure that supports trust, accountability, and real enforcement outcomes.
Greg McCormick, Executive Director of Tazama said: “This partnership reflects our shared commitment to open, transparent financial crime infrastructure that works within real regulatory environments. By connecting transaction monitoring with Proto’s AI-powered regulatory workflows and resolution systems, implementers can move beyond alerts to deliver measurable enforcement and compliance outcomes.”
Why this matters
Across emerging and mature markets alike, financial crime systems often stop at alert generation. Investigations, follow-up, and resolution remain fragmented, manual, or disconnected from monitoring tools.
By building directly on Tazama’s open monitoring capabilities, Proto enables regulators and financial institutions to operationalise detection within their governance frameworks – where accountability, enforcement, and public trust are critical.
Proto CEO Curtis Matlock said: “Risk detection is doubly meaningful when it combines with the voice of consumers. By pairing open transaction monitoring with grievance redress, we’re helping implementers turn signals into bonafide insights – faster, more transparently, and at national scale.”
The collaboration also reinforces a growing global shift toward open, interoperable financial infrastructure, reducing dependency on closed systems while enabling local adaptation to regulatory, linguistic, and institutional contexts.
About Tazama
Tazama is a free, open-source software platform dedicated to real-time fraud detection. Managed by Linux Foundation Charities and supported by the Gates Foundation, Tazama offers scalable, cost-effective transaction monitoring that prioritizes financial inclusion, data sovereignty, privacy, and openness. Recognized by the Digital Public Goods Alliance as a Digital Public Good, Tazama provides anti-fraud capabilities for Mojaloop, Mifos, and other payment systems.
