For Governments

DigiDoe Fiscal Control

and Financial Intelligence

Reading time: ~7 minutes

Who this page is for?

Ministries of Finance, Tax Administrations (HMRC, ANAF, and peers), Treasuries, Anti-Fraud/Financial Intelligence, Customs, and SOE Boards

If your job is to protect revenue while keeping public trust high, this is for you

See Solutions

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VAT leakage

Carousel & missing-trader fraud, false invoices, split payments

Refund risk

Suspicious refunds approved before cross-checks complete

Under-reporting

Fragmented data across e-invoice, POS, gateways, and banks

Operational drag

Low audit hit-rate, manual workflows, inconsistent follow-up

Money on the Table

The Gap hides in:

You can collect more, faster, without squeezing honest taxpayers

What we typically change in 60 days

30-50%

Fewer suspicious refunds being paid

15-30%

Higher audit hit‑rate via risk scoring and advisor oversight

2×

Faster refunds for compliant filers (builds trust and liquidity)

Jobs to be done (JTBD)

Tax Authorities

Ministries of Finance

What happens if you wait?

Detect corruption, tax evasion and avoidance with AI-driven controls across transactions and filings

Block high-risk refunds automatically; escalate the rest with evidence

Target repeat facilitators (accountants/advisors) and risky sectors; deploy AI-based AML and CTF tools for customs and tax authorities

Track EU-fund milestones/conditionality to avoid clawbacks

See a daily fiscal picture by tax type, region, and sector

Publish clear outcomes to strengthen legitimacy

Public backlash grows

Honest firms wait, bad actors get paid

Refund losses compound

Fraud networks move faster than post-hoc audits

EU-fund exposure

Poor SOE governance and opaque spend risk penalties

Solutions that Do The Work

Modular, payments-native and built for public-sector scale

VAT Reconciliation & Fraud Shield

Match transactions and e-invoices to returns continuously. Detect carousel/missing-trader patterns before disbursement

Automated Enforcement & Nudges

Risk-based reminders, instalments, e-penalties, and case triage to scale behaviour change

Real-Time Tax Payment Rail

Instant settlement via open banking and cards with full audit trails; automatic tagging to tax IDs, periods, and obligations

Advisor Oversight & Network Analytics

Find repeat facilitators and risky clusters; aim audits and campaigns where yield is highest

Unified Data Lake & APIs

Secure ingestion from e-invoice, POS, banks, gateways, and registries; dashboards, alerts, and case management in one place

SOE Spend & Governance Analytics

Shine light on procurement flows, executive perks, and KPIs with board-ready dashboards

Start pilot scoping

AI-driven AML & CTF

for Tax and Customs

Common Schemes

We Cover

Purpose

Detect and disrupt financial crime that erodes the tax base and diverts public money, while remaining compliant with data-protection laws

Procurement & SOE leakages

Related-party routing, split tenders, ghost services and kickback patterns

Trade-based money laundering (TBML)

Over/under-invoicing, phantom shipments, tariff misclassification

Daigou (“personal shopper”) / grey-market re-selling

Cross-border arbitrage to evade VAT/excise and move value

VAT carousel / missing-trader (MTIC)

Circular invoicing across fronts to reclaim fake input VAT

Refund & invoice mills

Synthetic identities, shell chains and straw directors producing false credit claims

Excise & customs evasion

Fuel/tobacco/alcohol diversion, carousel of duty-unpaid goods

MUC (Mini Umbrella Company) labour-supply fraud

Temporary workers routed through chains of short-lived micro-companies to exploit VAT flat-rate/thresholds and employment allowances; PAYE/NIC and VAT are underpaid via skimming and rapid company cycling

How our AI

Helps counter them

Network & entity-resolution graphs

Link directors, addresses, bank accounts, devices and shipment IDs to expose hidden control

Anomaly & pattern detection

Models flag unusual refund patterns, round-trip trades, and rapid company lifecycles typical of MTIC

Cross-border risk scoring

Fuse customs declarations, transport data and PSP/banking metadata for TBML and excise risks

Labour-supply risk scoring for MUC

Detect short-life payroll companies, shared directors/agents and recycled addresses; link bank accounts/devices; reconcile RTI/payroll, VAT returns and invoices; flag allowance abuse and pay skimming for targeted enforcement

Intermediary analytics

Fuse customs declarations, transport data and PSP/banking metadata for TBML and excise risks

Case triage & orchestration

Route alerts to tax, customs, FIU or prosecutors with explainable features and evidence bundles

Compliance by Design

Outcomes

GDPR-aligned

Data minimisation, purpose limitation, DPIAs, retention controls, role-based access, encryption and full audit logs

Explainability & human in the loop

Model features visible to authorised staff; investigators approve actions; feedback retrains models

Proportionality & false-positive control

Calibrated thresholds, sampling for QA, and appeal channels for taxpayers and traders

Faster green-channel for compliant traders

Higher recovery with fewer blanket checks

Credible action against networks — not just individuals

How it works (pilot)

Outcomes you can publish

Phase 1

Align & Connect

Working group with tax, treasury, customs, and IT

Weeks 1-3

DPIA/legal review; read‑only connectors; data quality checks

Baseline dashboards for VAT, refunds, AML/CTF risks

Phase 2

Prove & Scale

Run VAT-fraud, AML/CTF and compliance scenarios on live data

Weeks 4-8

Publish dashboards to leadership; agree rollout

Train-the-trainer and operational playbooks

More revenue, sooner

Fewer refund leaks;
faster legitimate collections

Fairness you can defend

Compliant taxpayers move faster; evasion is blocked and audited

Operational lift

Higher audit yield, fewer false positives, less manual casework

Decision gate

✓ KPIs reviewed weekly

✓ Proceed to rollout with evidence

Similar Issues

Around The World

Why DigiDoe?

Governments everywhere are balancing deficits, VAT gaps, and governance reforms

Structure Parity

We work with payment providers, gateways, and public agencies. Logos and references available on request

Compliance & Trust

Partners

ISO 27001 & ISO 22301;

Encryption at rest and in transit;

Full auditability

FCA‑authorised Electronic Money Institution (FRN 901043)

DPIA support, role‑based access, and data minimisation by default

Romania

Austerity returns amid record deficit

VAT hikes and freezes spark protests

Financial Times (Aug 2025)

Financial Times

EU funds at risk

Payments-native

Designed around real‑time transactions, not just after-the-fact analytics

Tax-specific workflows

Prebuilt VAT and refund controls, advisor oversight, and case orchestration

EU ready

GDPR-by-design; deployment playbooks for ministries and agencies

Fast time to value

Measurable KPIs in 60 days with minimal IT lift

Romania

Political crisis and high deficit raise doubts over external financing

Reuters (May 2025)

Reuters

Hungary

~€18bn in cohesion & recovery funds still frozen over governance concerns

Euronews (July 2025)

Euronews

EU

EU’s biggest VAT fraud investigation (‘Operation Admiral’) now at €2.9bn in damages

Europol/EPPO updates (2024–2025)

Europol

Denmark

Multi-billion DKK dividend-tax (cum-ex) scandal drives long-running recovery actions

Reuters carried by Yahoo Finance (Aug 2018)

Yahoo Finance

EU

Reuters (Feb 2024)

Reuters

EU auditors warn safeguards on financial aid can fall short

Funds risk and bargaining concerns

South Africa

Financial Times (July 2025)

Financial Times

FATF grey-listing hurt investment and raised transaction costs

Removal expected to aid capital flows

Next steps

Scope a 60-day pilot

Data sources, KPIs and governance

1

Decide with evidence

Publish dashboards and agree rollout

3

Connect

E-invoice, POS, PSPs, and registries in read-only mode

2

Start a pilot

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