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artificial intelligence | machine learning | big data analytics | behavioural predictions | blockchain

What we do

Scale, secure and monetise third-party big data assets via AI/ML/DLT-driven fintech services.

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Material value for clients

  • SAPIO provides market access and creates compelling use cases for high-quality data and computing technologies


  • We connect partners, remove barriers, and deliver value by shaping Fintech solutions that innovate our partners’ use cases, and our clients’ business model.


  • We link technology, analytics, process excellence, and market knowledge to deliver fast and profitable growth

SAPIO’s big data analytics and decisioning workflow improve all key metrics for the origination value chain:

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AI, better data, smarter decisions

Know what your customers want, before they do. SAPIO uses AI to derive data insights and build predictive decision engines that make smarter decisions for your team

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How we do it

SAPIO Fintech Services Asia AI/ML Workflow

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Deliver transformative impact

 SAPIO create new business and revenue models for clients by focusing on complementary fintech domains:

1. Intelligent Computing (AI & Machine Learning)
Generate rich customer data for optimised customer acquisition and scalable revenue acceleration​​

2. Blockchain and Distributed Ledger Technology (DLT)
Bespoke (private) blockchain services deliver streamlined business operations, significant cost reductions, and accelerated cash flow cycles

SAPIO delivers custom solutions to your specific problems with tech that has a measurable (even transformational) impact.

We are also domain experts in…

  • Banking and Insurance
  • Distribution, Supply Chain, and Logistics
  • Marketing and Operations

Data - analysis - knowledge

Structured information in existing databases only tells a fraction of the story. Extract value from other untapped, unstructured ‘human information’ via SAPIO’s AI and ML tools.

  • Capitalise on the power of big data and analytics
  • Move beyond transactional and operational, to profit from experience data
  • Understand and anticipate your customers’ choices and behaviours

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Our tech toolbox

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SAPIO tech partners

Through collaboration comes innovation


CredoLab is a global leader in Embedded AI and the use of alternative data, artificial intelligence/machine learning to accurately predict customer behaviour and choices for credit-risk related outcomes. 

SDLT is SAPIO’s sister company focused on private permissioned blockchain. SDLT designs, builds, and manages private blockchain solutions with integrated AI capabilities for enterprise clients and government agencies.

Our global reach

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The team

gary pound sapio ai

Gary Pound
Director of Operations

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Marcello Fontana
Director of Strategy and Analytics

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Adrian Apperley
Director of Market Development

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