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Banking & Financial Services

Grow lending, stop fraud earlier, and govern every decision.

Proven platforms for credit, fraud, KYC and documents — integrated alongside your core, with full decision traceability.

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Pressures

What leadership teams are dealing with

  • 01

    Fast credit growth with thin borrower data

  • 02

    Card, ATM and digital fraud

  • 03

    AML and correspondent-banking scrutiny

  • 04

    Paper-heavy lending

  • 05

    Model-risk regulation

Solutions

Where we put AI to work

Grow lending safely

Delinquency and default models, scorecards with reason codes, and early-warning alerts.

FinbotsAI CreditX

Stop fraud earlier

Real-time fraud scoring on card, ATM, POS and online; alert ranking; face match for duplicate identities.

Quadratyx QSFS · FinbotsAI prismX

Complete, auditable KYC

Document reading, policy checks and a self-building audit trail.

Take the paper out

Loan and onboarding document AI.

Quadratyx PowerCA

Govern every decision

Decision orchestration with full trace: inputs, model version, policy and human authority.

FinbotsAI DecisionX

Grow revenue

Campaign-level propensity models.

3×+ marketing ROI, −60% campaign waste

Partner-reported

FinbotsAI targetX

AI applications

Ten AI applications for Banking & Financial Services

All 100 applications →
Fraud & Risk

Credit scoring with reason codes

Scorecards and default models with a readable reason code for every decision.

Data needed
Loan book, bureau and repayment history

FinbotsAI CreditX

Evidence: Credit decisioning at production speed →
Fraud & Risk

Real-time card and payment fraud scoring

Scores card and digital payments in real time, with reason codes for analysts.

Data needed
Transaction stream, card and device data

Quadratyx QSFS

Evidence: Real-time card fraud scoring →

Live demo available

Documents

KYC/AML file completeness and face match

Checks onboarding files for missing items and matches ID photos to selfies for review.

Data needed
KYC documents, ID images

Evidence: Identity at scale →
Documents

Loan and onboarding document AI

Reads loan and onboarding files, extracts fields and flags exceptions for underwriters.

Data needed
Loan application and onboarding documents

Evidence: Loan-quality automation →

Live demo available

Fraud & Risk

FX and currency-mismatch early warning

Signals rising FX exposure and borrower currency mismatch early enough to act.

Data needed
Treasury positions, loan currency data, market data

Fraud & Risk

Collections propensity and early delinquency

Ranks accounts by likelihood to fall behind so collections teams act earlier.

Data needed
Repayment history, account behaviour

Evidence: Delinquency prediction in a cash-driven economy →
Customer

Campaign propensity and next-best-offer

Ranks customers by likelihood to respond and suggests the next best offer.

Data needed
Customer, product and campaign history

FinbotsAI targetX

Evidence: Campaign intelligence →
Agents

Decision orchestration with full decision trace

Runs policy, models and approvals as one flow with a complete, replayable decision trace.

Data needed
Decision rules, model outputs, core system APIs

FinbotsAI DecisionX

Live demo available

Forecasting

Treasury, liquidity and cash-flow forecasting

Forecasts cash positions and liquidity across accounts and branches.

Data needed
Core banking ledgers, treasury data

Fraud & Risk

Model monitoring and model-risk evidence

Tracks accuracy, drift and bias and assembles the evidence model-risk teams ask for.

Data needed
Model inputs, scores and outcomes

Regulatory alignmentDesigned to support SR 11-7 / SR 26-2 model-risk expectations, ECOA/Reg B adverse-action reasons, FCRA, UK PRA SS1/23, EU AI Act and MAS guidance.

AI Tools

Assess, try and explore the tools

All AI tools →

01 · Quick assessment

Four questions. A score, three recommendations and matched evidence.

Question 1 of 4

What type of institution are you?

02 · Live demos

Try it on synthetic sample data

Demo on synthetic sample data, not client data

Decision Trace

Sample applicant · synthetic data

72K
34%
48 mo

Six months later: why was this loan approved?

  1. 01 · Inputs

    • income: $72K / yr
    • dti: 34%
    • credit_history: 48 months
    • existing_customer: true
    • bureau_file: full

  2. 02 · Model & score

    model: CreditX-SME v4.2.1 · validated 2026-02-03

    655

    • R01 Income adequate for requested amount+25
    • R04 Existing relationship with stable deposits+25
    • R03 Moderate credit history length+15
    • R02 Debt-to-income elevated-10

  3. 03 · Policy in force

    • P-114 Max DTI 43%PASS
    • P-207 Min score 620 for auto-approvePASS
    • P-310 Thin-file → manual reviewPASS

  4. 04 · Human authority

    Credit Officer L2 — reviewed and approved with override note

  5. 05 · Final decision

    Approved after review

    2026-04-14 10:42:17 UTC · trace #DX-88413

See this on your data

Or email me a walkthrough of decision tracing for our credit process.

Demo on synthetic sample data, not client data

Fraud alert ranking

A sample stream of 200 card transactions, each scored 0–100 with reason codes. Move the threshold to see fraud caught, false alerts and analyst workload (at 6 minutes per alert).

Fraud caught

10 of 19

False alerts

11

Alerts to review

21

Analyst workload

2.1 h

TxnAmountMerchantScoreReason codes
TX-50109USD 673Gift cards74High-risk merchant category · New device · Burst of transactions
TX-50014USD 1,393Crypto exchange66High amount for card profile · High-risk merchant category · Burst of transactions
TX-50053USD 711Restaurant64High amount for card profile · Burst of transactions · Cross-border transaction
TX-50129USD 951Travel64High amount for card profile · Cross-border transaction · Unusual hour
TX-50012USD 331Online electronics62High-risk merchant category · Burst of transactions · Cross-border transaction
TX-50007USD 816Gift cards58High amount for card profile · High-risk merchant category · Unusual hour
TX-50061USD 745Crypto exchange58High amount for card profile · High-risk merchant category · Unusual hour
TX-50110USD 1,257Crypto exchange58High amount for card profile · High-risk merchant category · Unusual hour
TX-50119USD 930Gift cards58High amount for card profile · High-risk merchant category · Unusual hour
TX-50123USD 932Online electronics58High amount for card profile · High-risk merchant category · Unusual hour
TX-50075USD 318Online electronics56High-risk merchant category · Burst of transactions · Unusual hour
TX-50143USD 1,201Pharmacy56High amount for card profile · Cross-border transaction · Unusual hour
TX-50015USD 590Crypto exchange54High-risk merchant category · Burst of transactions · High amount for card profile
TX-50085USD 283Online electronics54High-risk merchant category · Cross-border transaction · Unusual hour
TX-50142USD 323Fuel54Burst of transactions · Cross-border transaction · Unusual hour
TX-50025USD 725Grocery52High amount for card profile · Cross-border transaction · Burst of transactions
TX-50067USD 425Online electronics52High-risk merchant category · Cross-border transaction · High amount for card profile
TX-50097USD 473Gift cards52High-risk merchant category · Cross-border transaction · High amount for card profile
TX-50179USD 481Fuel52New device · Cross-border transaction · High amount for card profile
TX-50013USD 139Gift cards50High-risk merchant category · Cross-border transaction · Burst of transactions
TX-50055USD 299Online electronics50High-risk merchant category · Cross-border transaction · Burst of transactions
TX-50002USD 929Crypto exchange46High amount for card profile · High-risk merchant category
TX-50004USD 753Crypto exchange46High amount for card profile · High-risk merchant category
TX-50031USD 1,045Online electronics46High amount for card profile · High-risk merchant category
TX-50050USD 432Crypto exchange46High-risk merchant category · Unusual hour · High amount for card profile
TX-50058USD 810Gift cards46High amount for card profile · High-risk merchant category
TX-50065USD 1,198Fuel46High amount for card profile · Unusual hour · Burst of transactions
TX-50070USD 657Crypto exchange46High-risk merchant category · Unusual hour · High amount for card profile
TX-50088USD 1,243Pharmacy46High amount for card profile · Burst of transactions
TX-50130USD 1,038Online electronics46High amount for card profile · High-risk merchant category
TX-50148USD 762Fuel46High amount for card profile · Burst of transactions
TX-50151USD 449Gift cards46High-risk merchant category · Unusual hour · High amount for card profile
TX-50041USD 221Restaurant44New device · Burst of transactions
TX-50059USD 313Online electronics44High-risk merchant category · New device
TX-50087USD 80Gift cards44High-risk merchant category · Burst of transactions
TX-50098USD 184Gift cards44High-risk merchant category · Unusual hour · Burst of transactions
TX-50106USD 223Crypto exchange44High-risk merchant category · Burst of transactions
TX-50111USD 319Grocery44New device · Burst of transactions
TX-50153USD 208Online electronics44High-risk merchant category · Burst of transactions
TX-50021USD 566Grocery42New device · High amount for card profile · Burst of transactions

Top 40 by score shown. Analysts make every decision; the score only ranks the queue.

Evidence

Related cases

Full evidence library →

Banking · Fraud

Real-time card fraud scoring

HDFC Bank

Rule-based fraud detection was missing attacks while flooding analysts with false alerts.

+39%
ATM fraud caught
−66%
false alerts on card-not-present
~15 ms
per transaction, ~6M txns/day
Client-validated
Partner-reportedQuadratyx QSFS

Banking · Credit

Credit decisioning at production speed

Leading consumer & SME bank, 100+ credit models

New credit models took 9–12 months to move from data to production.

2–3 wks
data-to-production (from 9–12 months)
+12%
loan approvals
−10%
credit losses
Partner-reportedFinbotsAI CreditX

Banking · Growth

Campaign intelligence

Leading consumer bank

Broad campaigns wasted spend and annoyed customers with irrelevant offers.

<1 wk
model cycle
3×
marketing ROI
−60%
campaign spam
Partner-reportedFinbotsAI targetX

Banking · Documents

Loan-quality automation

$8B US mortgage originator

Three 20-step loan-quality processes were slow, manual and error-prone.

−98%
processing time on three 20-step processes
−50%
manual effort
−40%
underwriting case rejections
Partner-reportedQuadratyx

Banking · Credit

Collections uplift

100-year-old Colombian savings bank

The existing collections model had plateaued.

12%
uplift over existing collections model
Partner-reportedQuadratyx

Banking · Fraud · Documents

Identity at scale

A large bank and a microfinance lender (two deployments)

Duplicate identities and manual KYC classification slowed onboarding.

80M+
customer records face-matched
94%
match accuracy in <40 ms
330k
microfinance KYC files classified automatically
Partner-reportedQuadratyx

NoteResults from deployments by GoGenesis and its platform partners. Outcomes vary by portfolio and operating environment; your results are set in the pilot.

Pick one high-friction process. We'll quantify what fixing it is worth.

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