The global payments industry is undergoing a massive transformation, driven by the need for faster, cheaper, and more secure cross-border transactions. At the forefront of this revolution is Sahaya Bertilla Selvi, a fintech product leader who is redefining international money transfers by integrating iOS-native payment solutions with SWIFT’s global banking network. Her approach leverages cutting-edge technology to eliminate traditional pain points, such as high fees, slow processing times, and a lack of transparency, making cross-border payments seamless for businesses and consumers alike.
Traditional international money transfers suffer from several inefficiencies:
- High Transaction Fees – Banks and intermediaries charge hefty fees for currency conversion and processing.
- Slow Settlement Times – SWIFT transfers can take 2–5 business days, causing delays in business transactions.
- Lack of Transparency – Hidden fees and fluctuating exchange rates make it difficult for users to track costs.
- Regulatory Hurdles – Compliance with AML (Anti-Money Laundering) and KYC (Know Your Customer) rules slows down onboarding.
Sahaya Bertilla Selvi recognized these challenges early and set out to build a next-generation cross-border payments platform that integrates:
- iOS-native payment technologies (Apple Pay, Siri Shortcuts, and Wallet integration).
- SWIFT’s global payment network (for secure, bank-backed transactions).
- Real-time FX (foreign exchange) optimization (AI-driven currency conversion).
Despite the rise of blockchain and fintech alternatives, SWIFT remains the backbone of global banking, connecting 11,000+ financial institutions worldwide. Sahaya Bertilla Selvi optimizes SWIFT by integrating AI-powered routing for the system to automatically select the fastest and cheapest SWIFT corridor based on destination. Her SWIFT integration with AI checks IBAN/SWIFT details before submission, which reduces failed transactions and allows users to get live transaction updates for their SWIFT transfers.
Sahaya Bertilla Selvi Cross-Border Payments solutions, integrating with IOS and SWIFT, provided the following benefits to the financial services industry by:
🚀 Reduced delays (AI predicts processing bottlenecks).
💰 Lower fees (dynamic routing avoids expensive intermediaries).
🔒 Fraud prevention (machine learning detects suspicious transactions).
Banks and payment providers often apply hidden markups on exchange rates, costing users millions annually. Sahaya Bertilla Selvi’s AI-driven solution scans multiple liquidity providers to offer the best real-time FX rate and Machine learning forecasts currency trends, allowing users to lock rates before they worsen.
Sahaya Bertilla Selvi’s integration of iOS, SWIFT, and AI is just the beginning. Her global currency transfer solutions include:
- Blockchain Hybrid Payments – Combining SWIFT with Ripple or Stellar for near-instant settlements.
- AI Compliance Automation – Using NLP to auto-fill KYC/AML forms from uploaded documents.
- AR Payment Tracking – Visualizing transaction paths in Apple’s ARKit for better transparency.
Sahaya Bertilla Selvi is redefining cross-border payments by merging iOS’s seamless UX with SWIFT’s reliability and AI’s intelligence. These solutions provided faster, cheaper, and more transparent international transactions.
As technology evolves, Sahaya Bertilla Selvi’s model could become the gold standard for global payments, bridging the gap between traditional banking and modern fintech innovation. The future of cross-border payments isn’t just about speed or cost. It’s about seamless integration into daily life. With Sahaya Bertilla Selvi’s vision as product leader, sending money across borders could soon be as easy as sending an iMessage.
