AI product builds
From a rough idea to a deployed, AI-native product: problem framing, system design, agent architecture, and a working app in production.
About Cosmic Associates
Smarter technology, better processes.
Cosmic Associates is a software consultancy, training, and research practice. We design and ship AI-native products, assess architectures and platforms, and transform the payment systems that businesses depend on.
Our background is enterprise delivery for banks, card networks, utilities, and regulators. We now bring that same discipline to AI: every product scoped, tested, and handed over properly.
Practices
What we do
Architecture & product assessment
An independent read on a platform, vendor, or build plan, with clear findings on risk, fit, and what to do next, written for decision-makers.
Payments platform transformation
Payments work that goes all the way through to settlement and reconciliation, drawn from programs at major Australian banks and global card networks.
Low-code & automation
Enterprise workflow on Pega, Appian, and PowerApps, now faster with AI-assisted delivery, plus the governance that keeps it maintainable.
Research
Where we go deep
Payment technology
Gateways, orchestration stacks, wallets, fraud controls, and reconciliation architectures.
Cross-border standards
SWIFT messaging, ISO 20022 migrations, correspondent banking flows, and settlement modernisation.
Domestic payment rails
UPI, NPP, ACH, RTP, and card rails, plus the local compliance constraints that shape products on them.
Agentic AI
Multi-agent architectures, evaluation, and guardrails for AI systems that take real actions.
Enterprise low-code
Pega, Appian, and PowerApps for workflow automation, case management, and payment operations.
Values
How we work
Precision
Details matter: in code, in architecture decisions, and in how we explain complex ideas.
Transparency
We show our work. Written assessments, working demos, and open reasoning, not just recommendations.
Velocity
AI takes friction out of delivery. We use it to move faster without giving up quality or craft.
Working on something?
Start with a free 30-minute discovery call.