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.
In Banking, Aginies offers 9 live agent scenarios and 3 solution packages: Dialogue banking: voice and text transaction assistant, Credit card limit increase, Digital account opening (KYC), Card fraud alert triage, Chargeback dispute handling, Early-stage collections outreach, Mortgage document review, Voice banking money transfer; solutions: Conversational banking, Credit and onboarding operations, Fraud and dispute operations. The blockers on the way to production are The PoC gap, Legacy core, Invisible cost, Compliance arrives late; on the compliance side 4 requirements (including Deployment aligned with banking IT regulation; primary and secondary systems in-country) are part of the deployment.
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.
Three starting points; each measurable in a short pilot on existing systems.
- 01agent scenarioDialogue banking: voice and text transaction assistant →
The most visible impact: call-centre load and customer experience at once; a 6-week pilot on the existing identity stack.
- 02agent scenarioCard fraud alert triage →
Relieves the analyst queue immediately; the decision stays with people, so security sign-off comes fast.
- 03solution packageCredit and onboarding operations →
Document review and KYC are the largest measurable workload; the auto-approval band is written together with the credit policy.
Agents you can watch live for this sector
Dialogue banking: voice and text transaction assistant
The customer talks or types; bill, limit, dispute and transfer are completed in core banking in one session.
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.
Derived from the 9 scenarios in the sector: supervisors, specialist agents, Hub model families and systems touched.
Summed from the simulation definitions of the sector scenarios; recalculated for your scale in the discovery session.
- 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
- Banking IT and electronic banking regulation: primary and secondary systems in Türkiye, audit right in the outsourcing contract, cloud model subject to bank-specific permission
- AML and personal-data law: suspicious-transaction reports decided by analysts, masking and purpose limitation in every scenario
- Per-request audit trail for internal audit and regulator review: user, model version, data source, reasoning
Guardrails, approval and the evidence ledger: the compatible product Thulpar ↗
Start with the sovereign shared deployment in our data centres in Türkiye (isolated bank workspace, VPN or allowlist access); on-prem in the bank’s data centre for scenarios classed as primary systems.
Approval rulesHuman-approval thresholds of the sector scenarios.
- Dialogue banking: voice and text transaction assistantLimit increase > 60%, dispute amount > 5,000 or transfer to a new payee → operations approval
- Credit card limit increaseLimit > 100,000 → branch manager approval
- Digital account opening (KYC)Sanctions/PEP fuzzy match score > 0.65 → compliance analyst approval
- Card fraud alert triageConfirmed fraud loss > 2,500 → analyst approval before permanent cancellation
- Chargeback dispute handlingAmount > 2,500 → dispute team lead approval before provisional credit
- Early-stage collections outreachPlan balance > 25,000 or > 3 instalments → collections team lead approval
- Mortgage document reviewLoan > 3,000,000 or DTI > 45% → underwriting officer approval
- Voice banking money transferAmount > 50,000 or new payee → warm transfer to a call-centre agent
- Credit card debt paymentAmount > 100,000 → branch manager approval
| Simple transactions reaching the call centre | 40% fewer |
| Fraud alert review time | 70% shorter |
| Accounts opened without a branch visit | 70–85% |
Target ranges from comparable deployments; baseline and target are fixed together in the first week of the pilot.
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