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Rivero is a European fintech, headquartered in Switzerland, helping card issuers and issuing banks modernise payment operations through AI-driven intelligent automation. Kajo (Scheme Compliance): Centralises all payment network mandates and automates impact analysis, helping issuers and acquirers meet requirements faster with less manual work: an enabler of compliance. Amiko (Fraud & Disputes Management): Intelligent virtual agent + case management helping issuers use payment network fraud and dispute services and products (e.g., Mastercard's own Mastercom and Ethoca tools) faster, with far less integration effort: extending Mastercard's services. All Rivero's products are payment-network-agnostic.