The core stays where it is; a deciding, acting AI layer goes on top.
Almost every bank runs AI pilots; very few operate them in core processes, at scale and audit-ready. Aginies establishes one orchestration layer for cards, lending, the call centre and digital channels: every agent, service, limit and approval is defined by central, auditable rules.
The PoC gap
Chatbot pilots impress, but no production path touches a core banking transaction.
Legacy core
Core systems were not designed for AI to decide and act; every integration is its own project.
Invisible cost
Which scenario burns what tokens, which decision used which data: unreported.
Compliance arrives late
Regulatory, privacy and internal-audit expectations surface at the end and stop the project.
Agents you can watch live for this sector
Credit card limit increase
The customer types in the app or talks to the call centre; the decision takes seconds, and anything above threshold goes to a manager.
Digital account opening (KYC)
ID, liveness and sanctions checks in one flow; clean applications open an account in minutes, no branch visit.
Card fraud alert triage
The card is blocked in seconds and the customer asked on WhatsApp; the reply releases or cancels the card.
Chargeback dispute handling
Dispute captured, evidence assembled and filed with the card scheme; large provisional credits go to approval.
Early-stage collections outreach
Past-due accounts are segmented and reminded on the right channel; customers set up their own payment plan.
Mortgage document review
Payslips, social security records and appraisal read automatically; income, LTV and missing documents checked.
Voice banking money transfer
Customer calls and talks; voiceprint, security question and OTP verify them; transfer completes agent-free.
- Deployment aligned with banking IT regulation; primary and secondary systems in-country
- Kill-switch and mandatory human approval on critical decisions
- Model, platform and data in the bank’s own data centre, with no external dependency
- A full audit trail for every agent action and model call
Time to move from experimenting with AI to transforming with it.
In a 30-minute discovery session we take your 2–3 priority business problems, show a live demo of a similar scenario, and draft a roadmap that starts with the Value layer.
- Your 2–3 priority problems
- Live demo of a similar scenario
- Roadmap starting with value analysis