Seacoast Bank, the banking subsidiary of Seacoast Banking Corporation of Florida (NASDAQ: SBCF), has entered into a partnership with Quavo, Inc. to implement Quavo’s QFD® platform, an agentic AI system that automates the intake, investigation, and recovery of payment disputes while ensuring compliance with Regulation E.
The partnership, announced on December 09 2025, will allow Seacoast to process dispute cases faster and with fewer manual steps. Quavo’s platform is trained on millions of real‑world cases, enabling it to flag potential fraud and route disputes to the bank’s back‑office investigation team for resolution. The agreement also includes a turnkey managed‑service component that gives Seacoast access to Quavo’s expert investigators.
Seacoast’s Q3 2025 financial results, released the same week, showed earnings per share of $0.52—$0.06 above consensus—and revenue of $157.2 million, up 1.6% year‑over‑year. The earnings beat was driven by disciplined cost control and a higher mix of fee‑based transaction services, while the modest revenue growth reflected steady demand for the bank’s core retail and small‑business products.
Management highlighted the strategic importance of the partnership. VP of Payment Operations and Strategy, Jennifer Powers, said the AI platform would “automate portions of the dispute process and maintain Reg E compliance, freeing staff to focus on high‑value customer service.” CEO Joseph McLean of Quavo added that the solution “provides the flexibility and support needed to grow seamlessly,” underscoring the scalability of the technology for Seacoast’s projected dispute volume growth.
By integrating Quavo’s AI‑driven workflow, Seacoast expects to reduce fraud losses, shorten dispute resolution times, and improve customer satisfaction. The move aligns with the bank’s broader digital‑transformation strategy, which has already delivered a 1.6% revenue increase in Q3 2025 and positioned the bank to handle higher dispute volumes without proportional staffing increases.
The partnership represents a significant operational milestone for Seacoast, reinforcing its commitment to technology‑enabled service excellence and regulatory compliance in a rapidly evolving banking landscape.
The content on BeyondSPX is for informational purposes only and should not be construed as financial or investment advice. We are not financial advisors. Consult with a qualified professional before making any investment decisions. Any actions you take based on information from this site are solely at your own risk.