154 organizations in 43 countries run these use cases in public. 58% of those 202 deployments disclose a measurable outcome.
BankingPayments and cards
An AI account and card servicing agent is an AI agent that resolves routine banking account and card requests for customers, end to end. It handles things like balances, statements, card blocks and replacements, PIN resets and limit changes, across app, web, messaging and phone, and hands anything sensitive or unusual to a human with the full context.
Deployments
8 public, best grade B
Reported containment rate
about 90%
DBS Bank, organization claim
Banking
An AI agent for ATM and self service device assistance helps customers with problems at or around ATMs and similar machines. It handles issues such as a withdrawal that did not pay out, a retained card, a blocked PIN or finding a working machine with cash, over the app, chat or phone, and it opens and tracks the claim or hands it to a person when it cannot be resolved.
Deployments
1 public, best grade B
Reported satisfaction uplift
150%
NatWest Group, organization claim
Cross industryBanking
A branch and appointment booking agent is a conversational AI that finds the nearest suitable location and books an in person or video appointment with the right specialist. It checks opening hours and services offered, and records the visit reason so staff are prepared. In banking it answers where the nearest branch is and books the mortgage or business banker; retail, healthcare and property have the same job.
Deployments
4 public, best grade B
BankingPayments and cards
Card dispute intake is a customer facing AI agent that finds a disputed card transaction and separates suspected fraud from merchant disputes and simple confusion. It explains the customer's rights and timelines, collects the details and evidence the rules require, and opens a correctly classified dispute case for the operations team.
Deployments
3 public, best grade B
Cross industryBanking
An AI agent that recognizes, investigates and drafts a response to a customer complaint for a human handler to approve. It logs the complaint against the regulatory definition, classifies its root cause and severity, gathers the evidence, drafts the acknowledgement and the response, and tracks every statutory deadline until the case is closed.
Deployments
5 public, best grade B
Reported accuracy
about 95%
Crédit Agricole Bank Polska, vendor claim
Banking
AI credit underwriting and memo drafting is an AI agent that drafts a committee ready credit memo for a corporate borrower, for the relationship and credit teams to review. It gathers the borrower's documents and data, spreads the financials into the bank's template, calculates ratios and covenant headroom, pulls bureau and news information, and links every figure to its source for the team to challenge, complete and sign.
Deployments
6 public, best grade B
Reported cycle time reduction
96%
Kuwait Finance House, vendor claim
Cross industryBanking
A voice and messaging agent that contacts customers in early arrears to collect payments. It answers their inbound calls too, takes payments and sets up payment arrangements within preapproved rules, and recognises signs of hardship or vulnerability so those customers go straight to a trained person.
Deployments
4 public, best grade C
Reported cost reduction
75%
SameDay Auto Finance, vendor claim
Cross industryBanking
An AI first line contact centre agent answers inbound customer contact on phone, chat and messaging, resolving general and routine questions end to end in the customer's own language. It routes everything complex, sensitive or regulated to the right human team, with the context attached.
Deployments
39 public, best grade A
Median containment rate
50%
11 deployments, 1 "up to" value left out
BankingPayments and cards
AI fraud alert confirmation is a customer facing AI agent that contacts a cardholder when a fraud engine flags a card transaction, verifies them and asks if they made it. It reaches them in the channel they actually respond to and acts on the answer: releasing the block so a retry succeeds, or freezing the card and starting the fraud claim.
Deployments
6 public, best grade B
Reported fraud loss reduction
76%
Commonwealth Bank of Australia, organization claim
BankingPayments and cards
AI fraud alert triage is an AI agent that works a fraud alert queue behind the scenes as an analyst's first pass, without contacting the customer. It enriches each alert with customer, device and payment context, closes clear false positives under documented rules, merges duplicates, and routes genuine risk to an analyst with a drafted rationale.
Deployments
3 public, best grade C
Reported false positive reduction
at least 50%
Kinecta Federal Credit Union, vendor claim
Cross industryTechnology and software
An inbound lead qualification agent is an AI agent that engages inbound prospects the moment they arrive, qualifies them and books a meeting or hands them to the right salesperson. It works on the website, chat, messaging or the sales phone line, answers their first questions, qualifies against the organization's criteria, and writes the conversation context into the CRM so the salesperson receives a ready conversation.
Deployments
8 public, best grade C
Median conversion uplift, vendor reported
19%
3 deployments
Cross industryBanking
An AI agent for IT service desk resolution takes the high volume IT support queue, resolves common requests and hands the rest to the right resolver group. It runs in Microsoft Teams, Slack or the intranet, covers requests such as password and MFA resets, account unlocks, VPN, device and software requests, and acts in the identity and IT service management systems, attaching the context when it hands a request on.
Deployments
9 public, best grade B
Median employee adoption
90%
3 deployments
Payments and cardsBanking
Agentic payment initiation is an AI agent that initiates and completes payments or purchases on a customer's behalf, within a mandate the customer set in advance. The mandate sets spending caps, allowed merchants or categories, a tokenized credential and rules for when to ask for confirmation, and the agent then confirms and reconciles every transaction it made.
Deployments
9 public, best grade B
Reported conversion uplift
about -67%
Walmart, organization claim
BankingPayments and cards
AI offers and rewards is a customer facing agent for banks and card issuers that picks the offer, reward or loyalty action most relevant to each customer at each moment. It draws on the customer's transactions and context, delivers the offer in the app, in messaging or through a colleague, helps the customer understand, track and redeem rewards in conversation, and works inside their own account and loyalty relationship, unlike campaign personalization.
Deployments
3 public, best grade B
BankingPayments and cards
Proactive outreach and activation is an AI agent that holds the conversation when a bank reaches out first to change something about a customer's account or products. It is triggered by an event or a campaign: low balance and fee avoidance alerts, payment and renewal reminders, card activation, dormant account reactivation and offers the customer already qualifies for, over messaging or voice, while the bank's own systems decide who is contacted and why. Reminders about appointments and deliveries the customer booked, and the in app coach the customer opens, are separate use cases.
Deployments
3 public, best grade B
BankingPayments and cards
An SME financial admin agent is an AI agent built into a small business account that turns a natural language request or an uploaded document into a prepared financial action. That action can be a bank transfer, a client invoice, a payroll run or an answer about cash position, and the business owner reviews and approves it before anything is sent or money moves.
Deployments
3 public, best grade B
Reported cycle time reduction
2x
Qonto, vendor claim
Wealth and asset managementBanking
AI source of wealth diligence is an AI agent that reads a prospective private client's documents and extracts how their wealth was built, for private banking compliance teams. It also corroborates that account, checks plausibility against benchmarks and external sources, and drafts the source of wealth and enhanced due diligence narrative for the relationship manager and compliance analyst, who decide on the risk rating and the relationship.
Deployments
3 public, best grade B
BankingPayments and cards
An AI corporate client servicing assistant answers finance and treasury teams' questions inside the corporate banking portal, app and messaging channels, and resolves routine requests end to end. Questions include payment status, balances, cut off times, fees and how to submit an instruction, and anything it cannot finish is handed to a service specialist who has an AI copilot.
Deployments
5 public, best grade B
Reported contact deflection
16%
Bank of America, organization claim
Cross industryBanking
An AI API integration assistant answers developers' integration questions and recommends the right endpoints on a company's developer portal and in its documentation. It also helps debug connections and generates sample calls, grounded in the API catalogue, reference docs and test material, so clients and partners integrate faster with fewer support tickets.
Deployments
6 public, best grade B
Reported contact deflection
30%
Mapbox, organization claim
BankingPayments and cards
A digital onboarding assistant is a customer facing AI that guides a new applicant, a person or a small merchant, through opening a digital account, card or relationship. It collects and checks identity and supporting documents, orchestrates the know your customer and anti money laundering checks, prefills what it can and sends only the unclear cases to a human reviewer with a summary. The ownership research for complex corporate clients is a separate back office job.
Deployments
4 public, best grade B
Reported productivity gain
30x
M-DAQ Global, vendor claim
Wealth and asset managementBanking
An AI assistant for goal based financial planning is an AI assistant that turns a client's goals into projections and what if scenarios using a rules based planning engine. It explains the trade offs in plain language and prepares the plan for an advisor to validate, with every assumption disclosed and reproducible.
Deployments
2 public, best grade B
Cross industryBanking
An HR and policy assistant is an employee self service assistant that answers HR and policy questions from the organization's own HR documents and starts simple HR transactions. It covers leave, pay and tax forms, benefits, expenses, travel and conduct policies, personalizes answers to the employee's country and role, and starts transactions such as leave requests or employment letters in the HR system.
Deployments
7 public, best grade B
Median employee adoption
86%
4 deployments
Wealth and asset managementBanking
A suitability assessment assistant is an AI assistant that checks whether a proposed product or portfolio fits a client's risk tolerance, objectives, knowledge, experience and financial situation. It checks this against the firm's rules, flags mismatches, and drafts the suitability rationale and report for the advisor to confirm, while hard rule failures are decided by deterministic checks, not by the model.
Deployments
2 public, best grade B
Cross industryBanking
Procurement and contract review is an assistant that reads supplier contracts and proposals, for procurement and vendor management teams. It extracts the key terms, flags deviations from the organization's standard positions, drafts requests for proposal and evaluation matrices, and prepares negotiation positions, with a procurement or legal owner approving every conclusion.
Deployments
9 public, best grade B
BankingWealth and asset management
AI Shariah compliance screening is an AI assistant that checks Islamic financing contracts, deal structures and investments for Shariah compliance risks such as riba and gharar, for compliance teams. It also flags exposure to prohibited activities, retrieves the relevant standards and fatwas, and drafts the Shariah review documentation. The Shariah board keeps sole authority over any ruling.
Deployments
2 public, best grade B
BankingCross industry
AI cash flow forecasting for corporate treasury is machine learning that categorises a company's cash flows and forecasts its cash positions across accounts and currencies for the treasury team. Conversational analytics can sit on top of it. Some banks offer it inside their cash management platforms, where it also answers treasurers' questions in plain language, so the team decides on funding and idle balances with better information and less spreadsheet work.
Deployments
7 public, best grade B
Reported productivity gain
about 90%
JPMorgan Chase, organization claim
Banking
SME cash flow underwriting is an underwriting engine that assesses a small business's repayment capacity from live bank transactions and payment flows, instead of audited accounts, for lenders. It also draws on point of sale data, receivables and accounting data, and returns a decision recommendation with the evidence and reasons behind it.
Deployments
7 public, best grade B
Cross industryBanking
An AI coding assistant helps software developers by completing and generating code in their IDE and code review flow. It also explains unfamiliar modules, drafts unit tests and reviews pull requests for common defects, while generated code goes through the same review, testing and change controls as any other code.
Deployments
10 public, best grade B
Median productivity gain
22.5%
4 deployments, 1 "up to" value left out
BankingWealth and asset management
An AI copilot that helps relationship managers, mainly in corporate and commercial banking, prepare for client meetings and write up call reports afterwards. It builds a briefing pack from filings, news, internal notes, product holdings and upcoming maturities, then turns the banker's notes into a structured call report and CRM update. Unlike a meeting notetaker, it centres on credit and cross sell context, not just the conversation; wealth advisor tools that also prepare meetings overlap with it, and the banker reviews every output.
Deployments
3 public, best grade B
Cross industryBanking
AI marketing content and compliance copilot drafts campaign copy and checks it against advertising rules before a human approves it for publication. It writes campaign copy, product explainers and social posts on brand and in the customer's language from approved product facts, then runs a first pass compliance check against advertising rules and required disclosures, flagging unsupported claims and missing warnings before a human in marketing compliance approves publication.
Deployments
5 public, best grade B
Reported productivity gain
34%
Ally Financial, organization claim
BankingInsurance
AI model risk validation is a copilot that supports independent review of a bank's models, used by a validation function, an external tester or a supervisor. It checks model documentation against the model risk standard, generates and scores challenger tests (for generative AI, often with an LLM as a judge calibrated against human experts), watches production models for drift, and drafts and consistency checks the validation report. An accountable validator owns every conclusion.
Deployments
3 public, best grade B
BankingPayments and cards
SAR and STR drafting is generative AI that writes the narrative of a suspicious activity or transaction report from the investigation file, with every fact linked to its source record. It covers who, what, when, where, why and how, case by case, so the investigator verifies, edits and files instead of starting from a blank page, unlike the periodic data returns of regulatory reporting.
Deployments
4 public, best grade B
BankingPayments and cards
Alternative data credit scoring is a machine learning model that adds consumer permissioned data to credit bureau data, so a lender can assess applicants with thin or no credit files. The alternative data includes bank account cash flow, rent, utility and telco payments or ecosystem data, and the model returns a decision with specific reasons.
Deployments
8 public, best grade B
Reported automation rate
at least 90%
Upstart Holdings, organization claim
BankingPayments and cards
AI drafted explanations for credit declines and adverse actions come from an assistant that turns a credit model's reason codes into an accurate, specific and readable explanation for the customer. It explains a decline, reduced limit or repricing, and produces a matching internal rationale for the file, without adding any reason the model did not actually produce.
Deployments
3 public, best grade B
Banking
AI early warning and covenant monitoring is a monitoring system that flags borrowers whose credit is deteriorating across a loan book, for the relationship manager. It tracks covenant tests and borrower reporting, reads financials, filings and news, and combines them with payment and sector signals, then presents the evidence with a suggested next step.
Deployments
4 public, best grade B
Cross industryBanking
Enterprise knowledge search is an AI assistant that lets any employee ask a question in plain language and get a synthesized answer from the organization's own documents. It draws the answer from policies, procedures, product manuals and research, with citations to the source documents, and only from documents the employee is allowed to see.
Deployments
13 public, best grade B
Reported employee adoption
at least 90%
Zain Jordan, organization claim
Banking
Trade document examination is AI that reads documents presented under a letter of credit or collection, such as the bill of lading, for bank examiners. It also reads the commercial invoice, packing list and certificates, extracts and cross checks the data, and tests it against the instructions and the ICC rules, including UCP 600 and ISBP for letters of credit. It lists discrepancies by severity with the rule cited, so qualified examiners focus on the genuine exceptions.
Deployments
8 public, best grade B
Reported cycle time reduction
about 94%
JPMorgan, vendor claim
Banking
A financial wellbeing coach is an in app AI assistant that customers open to understand their own money. It uses the customer's transaction data to explain their spending, forecast upcoming bills and cash flow, set and track savings goals and answer money questions in plain language, staying on the guidance side of the line between guidance and regulated financial advice.
Deployments
10 public, best grade B
BankingPayments and cards
AML alert triage is machine learning and AI agents that score anti money laundering alerts for genuine risk, closing clear false positives with a written and stored rationale. It hands investigators the remaining alerts, already enriched with the customer, counterparty and transaction context.
Deployments
8 public, best grade B
Reported false positive reduction
86%
Shift4, vendor claim
BankingPayments and cards
Application and identity fraud detection is AI that checks incoming account and loan applications for banks and lenders to catch forgery and fraud rings. It analyses documents, device and application data across the whole queue and cross checks against bureau and official sources to flag forged or AI generated documents, synthetic and stolen identities, and coordinated rings.
Deployments
8 public, best grade B
Reported detection improvement
2.5x
Department for Work and Pensions, organization claim
BankingInsurance
AI account servicing execution is AI that reads and acts on servicing requests landing in operations queues, such as address or beneficiary changes, for back office staff. It checks each request against policy and entitlements, then prepares or makes the change, such as mandate changes, standing instructions, reissues, payoff and reference letters and loan maintenance, in core systems under dual control.
Deployments
3 public, best grade B
Reported cycle time reduction
95%
SS&C Technologies, vendor claim
BankingPayments and cards
Business onboarding and UBO discovery is AI that builds the know your business (KYB) due diligence file for a new or reviewed corporate client before any account opens. It collects registry, incorporation and ownership documents, resolves the entity across sources, maps the ownership chain through holding companies, nominees and trusts to the ultimate beneficial owners, screens the entity and its owners, and presents a risk scored case for a compliance analyst to decide.
Deployments
5 public, best grade C
Reported automation rate
25%
BNY, organization claim
Payments and cardsBanking
AI chargeback and representment is AI that runs the dispute engine room for issuers, acquirers and merchants, mapping each dispute to the network reason code. It gathers the matching evidence, assembles a network compliant chargeback or representment package, drafts the rebuttal, tracks every deadline and processes pre dispute alerts so a refund can be issued before a chargeback lands.
Deployments
10 public, best grade B
Cross industryBanking
AI complaints root cause analysis reads the free text of complaints across all channels and clusters it into themes to find the systemic causes behind them. It separates systemic causes from one off events, links each theme to the product, process or control behind it, and routes the insight to the owner who can fix it. A human validates every root cause and every remediation.
Deployments
3 public, best grade B
Cross industryBanking
AI continuous controls testing checks every transaction or record against a control's rule instead of a periodic sample, giving continuous, full population assurance. It collects evidence from source systems, maps each artefact to the control it supports, flags exceptions for a human to judge, and prepares the risk and control self assessment from incident and loss data for the business to review.
Deployments
3 public, best grade B
Cross industryBanking
AI for outbound notice drafting writes the letters and notices operations must send at scale, such as arrears notices or decline letters. It also covers complaint responses, servicing confirmations and product change notices, from case data and approved templates and clauses, in the customer's language, for a person to approve where the notice is regulated.
Deployments
6 public, best grade B
Reported cycle time reduction
25%
SS&C GIDS and RS, vendor claim
BankingPayments and cards
Fee and interest leakage detection is an independent verification layer that checks whether each fee, FX margin, spread and interest charge matches what the contract and pricing tables specify. It recomputes what each charge should have been, compares it with what was actually billed, and surfaces overcharges and undercharges account by account for correction, customer remediation and revenue recovery.
Deployments
1 public, best grade B
Cross industryBanking
AI correspondence triage and routing is AI that sorts inbound letters, emails, uploads and secure messages before anyone answers them, so each one reaches the right team. It brings everything into one intake, identifies what each item is, extracts the key fields, links it to the right customer and account, sets priority and routes it to the right workflow, replacing the manual sorting desk.
Deployments
8 public, best grade B
Reported accuracy
95%
Irish Life, vendor claim
Cross industryBanking
AIOps incident triage is AI that turns a flood of monitoring alerts into one probable incident and routes it to the right team. It also proposes likely root causes and remediation from runbooks and past incidents, and drafts the stakeholder updates and the post incident review, while an engineer authorizes every change.
Deployments
9 public, best grade B
Median time to repair reduction
72%
5 deployments
BankingPayments and cards
AI for ledger and payment reconciliation matches financial records to each other and flags the exceptions for a human to review. It matches entries across nostro and vostro statements, card and scheme settlement files, the general ledger and suspense accounts, proposes the matches and clearing journals, and routes only the genuine breaks to an operator with a plain language explanation.
Deployments
7 public, best grade B
Reported automation rate
about 95%
Capital Area Food Bank, vendor claim
Cross industryBanking
AI for legacy code modernization reads old code such as COBOL and explains what each program does. It also works on languages like PL/I or old Java, mapping each program's data flows and dependencies, drafting the equivalent modern code or specification, and generating the regression tests needed to prove the new system behaves like the old one.
Deployments
7 public, best grade B
Reported cycle time reduction
about 50%
Google, organization claim
Capital marketsBanking
AI market abuse surveillance triage helps surveillance analysts triage market abuse and conduct alerts such as spoofing, layering, wash trades, ramping and insider dealing. It gathers the trade, order, news and communications context, explains in plain language what triggered each alert, and drafts the investigation narrative for the analyst to disposition.
Deployments
5 public, best grade B
Reported handling time reduction
about 33%
Nasdaq, organization claim
Payments and cardsTechnology and software
AI merchant underwriting and risk monitoring helps acquirers, payment facilitators and software platforms with embedded payments decide which merchants to accept and on what terms, and watch for risk afterward. It checks what a business really sells and how risky it is at onboarding, then watches every active merchant for changes in behaviour, ranking the few that need an analyst so fraud, prohibited trade and credit losses are caught early.
Deployments
8 public, best grade B
Reported alert volume reduction
about 89%
Weave Communications, vendor claim
BankingPayments and cards
AI mule network detection uses graph and behavioural machine learning to find money mule accounts and the networks around them, for investigators. These include circular flows, layering chains and clusters of newly linked accounts, and the AI supports investigators in tracing scam proceeds and restricting accounts before the money is gone.
Deployments
6 public, best grade B
Reported false positive reduction
4x
bunq, vendor claim
BankingPayments and cards
AI for payment investigations and exceptions works the payments that fall out of straight through processing, by reading the failure and repairing or enriching the message. It drafts the ISO 20022 or SWIFT investigation, chases the counterparty bank and proposes a return, recall or correction, while an operator approves anything that moves money.
Deployments
2 public, best grade B
Reported automation rate
at least 10%
BNY, organization claim
BankingPayments and cards
AI PEP and adverse media screening continuously scans news, court records, registries and other open sources for negative information and political exposure tied to customers, counterparties and beneficial owners. It works in many languages, discards look alikes, and summarises the credible risk for the analyst with the sources attached.
Deployments
7 public, best grade B
Reported handling time reduction
at least 60%
Save the Children, vendor claim
BankingPayments and cards
Perpetual KYC is AI that keeps each customer's due diligence file current by replacing calendar driven reviews with continuous, event driven refreshes. It watches for trigger events such as an ownership, address or behaviour change or a new adverse finding, refreshes the file automatically where it can, and involves an analyst only when something material changes. The risk rating and the first file for a new business client are separate use cases.
Deployments
6 public, best grade B
Reported cost reduction
40%
JPMorgan Chase, organization claim
Cross industryBanking
AI policy drafting and gap analysis is an assistant that reads a new or changed obligation and checks which internal policies it affects, for compliance and legal teams. It finds every policy, standard and procedure the obligation touches, flags clauses that now conflict or are silent, and drafts the updated wording in house style as a redline for the policy owner to approve.
Deployments
7 public, best grade B
BankingInsurance
Regulatory report assembly is AI that assembles periodic and data driven filings and returns, pulling data into the regulator's schema and validating it, before a named officer reviews and submits. Examples include prudential and statistical returns, threshold and transaction reports and disclosure packs. It also reconciles figures to source, explains movements against prior periods and drafts commentary; narratives for individual suspicious activity cases are a separate use case.
Deployments
5 public, best grade B
BankingPayments and cards
Sanctions screening adjudication is AI that works the alerts raised when customer, counterparty or payment names match sanctions and watchlists. It resolves fuzzy matches across transliterations, aliases and naming conventions, clears clear non matches with a documented reason, and escalates true or uncertain hits with the evidence attached.
Deployments
7 public, best grade B
Reported false positive reduction
60%
United Overseas Bank (UOB), organization claim
Capital marketsBanking
Settlement fail prediction is AI that scores each pending securities settlement instruction for its likelihood of failing and names the probable cause. The cause can be an unmatched instruction, wrong settlement details, or a lack of securities or cash. It then helps operations teams work the exceptions and counterparty queries before the intended settlement date, so fewer trades fail and fewer late settlement penalties are paid.
Deployments
4 public, best grade B
BankingInsurance
Supervisory exam response assembly is an AI assistant for a bank's regulatory affairs team that reads a supervisory information request or exam question and drafts a response. It retrieves the relevant evidence, policies and prior correspondence, so legal and compliance can approve the draft, and tracks every commitment and remediation action through to closure.
Deployments
3 public, best grade B
Cross industryBanking
AI supplier invoice processing is AI that captures supplier invoices in any format and extracts the header and line data. It matches invoices to purchase orders and goods receipts, proposes tax and cost centre coding, flags duplicates and suspected fraud, and routes them for approval and posting, leaving only exceptions to accounts payable staff.
Deployments
9 public, best grade B
Median automation rate
70%
4 deployments
Cross industryBanking
Synthetic test data generation is AI that generates realistic synthetic datasets, such as customers, transactions, documents and conversations, without containing real personal data. The datasets keep the structure and statistical properties of production data, so teams can test software, train and validate models and run demos safely.
Deployments
7 public, best grade B
Reported cycle time reduction
75%
Patterson Dental, vendor claim
Cross industryBanking
AI for vendor due diligence reviews a vendor's security questionnaires, SOC and assurance reports and contracts against an organization's control requirements, and researches the vendor for a risk team. It also checks model documentation, researches the vendor's ownership, sanctions, financial health and adverse media, drafts the risk assessment for a human to approve, and keeps the register of material service providers current with ongoing monitoring.
Deployments
5 public, best grade B
Wealth and asset managementBanking
Portfolio reporting and commentary is AI that drafts each client's periodic portfolio report and commentary in plain language, for wealth and asset managers. The narrative covers performance, attribution, what drove returns, positioning and outlook, written in the client's language, where every figure comes from the portfolio system of record and a reviewer approves the text before delivery.
Deployments
3 public, best grade B
BankingReal estate
An AI home loan assistant with pre qualification answers a customer's home loan questions and runs indicative borrowing estimates, then books the customer with a mortgage specialist. It covers rates, loan to value, fees and the documents needed, runs the affordability estimate from the bank's published rules, and stays grounded in the bank's current, versioned product and policy documents.
Deployments
6 public, best grade B
BankingReal estate
AI income and document verification is software that classifies a mortgage application's documents and calculates the borrower's qualifying income for underwriters. It classifies the pay stubs, bank statements, tax forms and other documents, applies the investor's or agency's own income rules, checks documents for signs of alteration, and sends only low confidence or unusual files to an underwriter, with every calculated figure linked to its source page.
Deployments
9 public, best grade C
Median handling time reduction, vendor reported
78.5%
4 deployments, 2 "up to" values left out
Wealth and asset managementBanking
An AI knowledge assistant for wealth advisors and relationship managers answers their questions in seconds from the firm's own research, house view, product documentation and policies. Every answer links to the source document, so the advisor can check it before using it with a client.
Deployments
9 public, best grade B
Cross industryTravel and hospitality
AI marketing personalization at scale is AI that decides, for each customer, which product, offer, message or content to show next, for a marketing team running many campaigns. It works across email, app, web and paid media, and generates the matching copy and creative variants within brand and compliance rules. It is the team's engine across many campaigns and channels, not an agent that converses with the customer.
Deployments
9 public, best grade B
Reported conversion uplift
30%
Catchtable, vendor claim
Wealth and asset managementBanking
An AI notetaker that turns a wealth advisor's client meeting into a file note, follow up message and CRM record the firm needs to evidence its advice. The meeting is recorded with the client's consent, and the notetaker drafts a structured note with the client's goals, circumstances, decisions and action items, then writes it into the CRM once the advisor approves it; unlike a general meeting summarizer, its output becomes part of the regulated client record.
Deployments
9 public, best grade B
Reported productivity gain
15%
SEB, vendor claim
Wealth and asset managementBanking
AI next best action for advisors is an engine for wealth advisors, not customers, that scans an advisor's whole book and surfaces a short, ranked list of client specific prompts. Prompts include idle cash, a maturing deposit, a concentration to review, a life event or an early sign of attrition, each with the reasoning and data behind it, for the advisor to act on or dismiss.
Deployments
5 public, best grade B
Reported employee adoption
80%
UBS, organization claim
Banking
AI corporate account onboarding orchestration runs the operational setup of a corporate client after due diligence is approved, turning manual work between teams into a tracked, guided flow. It reads mandates, board resolutions and signatory documents, prepares accounts, users, roles and payment entitlements for approval, configures channel access, and chases outstanding items with the client.
Deployments
4 public, best grade B
Reported cycle time reduction
about 80%
Citi, organization claim
Wealth and asset managementBanking
Portfolio drift monitoring and rebalancing is AI that continuously checks each client portfolio against its mandate or model and prepares a rebalancing proposal, for advisors and portfolio managers. It detects drift beyond agreed bands and prepares a tax aware, low turnover proposal with its rationale, which an advisor or portfolio manager approves before any trade is placed.
Deployments
3 public, best grade B
Cross industryBanking
Call quality and compliance monitoring is automated quality assurance that transcribes and scores every customer interaction, voice and chat, against the organization's own rubric. It checks required disclosures and script adherence, flags conduct and mis selling risk, and surfaces coaching opportunities, instead of the small sample a human QA team can review.
Deployments
9 public, best grade B
Reported quality score uplift
about 10%
British Gas, vendor claim
Banking
AI loan restructuring recommendations are an assistant that proposes the best hardship arrangement for a stressed borrower, for a person to approve. It assembles the borrower's position and tests options such as a term extension, rate relief, payment holiday or due date change against policy and affordability, then recommends the best fit with a written rationale.
Deployments
1 public, best grade B
Cross industryBanking
Regulatory horizon scanning is AI that continuously reads publications from the regulators and standard setters an organization answers to and classifies each item by relevance and urgency. It breaks new rules into individual obligations and maps them to the internal policies and controls that meet them, so compliance owners see what changed and where the gaps are.
Deployments
5 public, best grade B
Cross industryGovernment and public sector
AI reply drafting for customer email and support tickets is a copilot that drafts the reply to an incoming email, message or ticket once it reaches a service agent. It summarizes the request, pulls the relevant customer data and approved knowledge, and drafts the reply in the organization's tone and the customer's language for the agent to check, edit and send. Live calls and chats, and the sorting of the inbox itself, are separate use cases.
Deployments
7 public, best grade B
Reported cycle time reduction
about 50%
HYPE, vendor claim
Cross industryBanking
AI conversation roleplay training is a simulator where generative AI plays a realistic customer, by voice or text, so staff can rehearse difficult conversations. Service, sales and crisis staff can practice as often as they need before handling live conversations, and receive structured feedback against the organization's own standards.
Deployments
9 public, best grade B
Median time to proficiency reduction, vendor reported
20%
4 deployments
BankingPayments and cards
Scam payment interception is AI that talks to a customer who is about to authorise an instant payment that looks like a scam. It combines the payee check and the risk score, asks targeted questions about the payment in plain language, explains the specific scam pattern, and holds, delays or escalates the payment to a human specialist when the risk stays high. Unlike fraud scoring, which stops payments the customer did not make, it protects customers from payments they are being manipulated into making.
Deployments
7 public, best grade B
Median fraud loss reduction
40%
3 deployments
Banking
Trade finance crime screening is AI that checks every trade finance transaction for financial crime risk, for banks. It checks parties, vessels and ports against sanctions and watchlists, tests goods descriptions against dual use and controlled goods lists, compares unit prices with benchmarks for over or under invoicing, and reads trade documents and messages for laundering red flags, then prepares a case narrative for a human investigator.
Deployments
7 public, best grade C
Wealth and asset managementCapital markets
Investment research summarization is an AI assistant that condenses long research reports, overnight market moves and the house view into short, sourced briefings for advisors and analysts. It answers "what is our view on X" on demand and adapts approved research for different client segments and languages, with every figure traced to the original research.
Deployments
4 public, best grade B
Reported time saved per task
up to 120 minutes
Deutsche Bank, organization claim
Real estateBanking
AI property valuation support, most often an automated valuation model, estimates a property's market value from comparable sales, characteristics and location data. It either offers to replace a full appraisal within set limits, or gives a professional valuer a first pass estimate, the closest comparable sales and a reliability score, so the valuer's time goes to properties that need a person's judgment.
Deployments
8 public, best grade A
Cross industryBanking
An AI model inventory is a governed register of every AI system and model an organization builds, buys or uses, for risk and compliance teams. Each entry records the owner, purpose, data, risk tier and approval status, kept current by AI that discovers unregistered use, reads the documentation and assembles the evidence a board, auditor or supervisor asks for.
Deployments
7 public, best grade B
Technology and softwareGovernment and public sector
Requirements to test cases is AI that reads product requirements, specifications or recorded sessions and drafts structured user stories, acceptance criteria and test cases for QA engineers to review. It also checks the source for gaps, ambiguity and contradictions, drafts the cases in a format such as Gherkin, and traces each item back to the requirement it covers.
Deployments
6 public, best grade B
Reported cycle time reduction
67%
LTIMindtree, vendor claim
Payments and cardsBanking
BNPL underwriting is AI that scores a buy now pay later purchase at checkout in real time to approve, decline or size the credit line. It scores the consumer and the specific order from bureau, transaction and behavioral data, with no human review per transaction, and keeps retraining as repayment outcomes come in.
Deployments
2 public, best grade B
Reported conversion uplift
3.4%
Affirm Holdings, organization claim
BankingAutomotive
AI underwriting and verification for auto loans is AI that verifies the income, identity, employment and residence data on an application for a lender. It checks that data in real time against supporting documents and external databases, clears routine stipulations automatically, flags fraud patterns such as altered pay stubs, and gives the lender's credit policy engine a verified, structured application instead of a stack of documents a person has to check by hand.
Deployments
7 public, best grade B
Reported automation rate
70%
Westlake Financial, organization claim
Banking
Conversational AI for loan application intake is an assistant on web, app, messaging or voice that captures a loan application through dialogue with the customer. It explains loan products in the customer's language, checks documents and basic eligibility rules, and hands a complete, structured application to origination, without making the credit decision.
Deployments
5 public, best grade C
BankingPayments and cards
Dynamic customer risk rating is explainable machine learning that computes and continuously updates each customer's money laundering risk rating itself, from due diligence data, products, geography, behaviour and screening results. It also shows which factors drive the rating and when enhanced due diligence is warranted.
Deployments
1 public, best grade B
Cross industryBanking
An internal audit copilot is AI that helps internal auditors plan and write up audits, from drafting planning materials to summarising evidence and drafting findings. It drafts planning memos and document request lists from prior audits, summarises large evidence sets, builds risk and control matrices from policies and process documents, and drafts findings and reports, with every statement traceable to evidence and a qualified auditor accountable for every conclusion.
Deployments
3 public, best grade C
Reported handling time reduction
55%
Banco Bradesco, vendor claim
Cross industryBanking
A governed text to SQL analytics assistant turns a business user's plain language question into a query against governed data. It runs the query under that user's own data permissions and returns the table or chart together with the SQL and the tables used, so routine ad hoc questions no longer queue for the data team.
Deployments
6 public, best grade B
Cross industryBanking
Live agent assist is AI that helps a contact centre agent during a live call or chat by transcribing it and surfacing the right knowledge and next step. It also drafts responses and writes the after call summary and CRM notes, while the agent stays in control of what is said and done.
Deployments
16 public, best grade B
Median productivity gain
20.5%
4 deployments
BankingPayments and cards
Real time fraud scoring is machine learning that decides in milliseconds how likely each card authorization and account to account payment is to be fraudulent, so a bank can act. It works without any conversation, combining behavioural, device and network signals, so the bank can approve, challenge or block a payment before the money leaves. Working the resulting alerts and talking to the customer about them are separate use cases.
Deployments
11 public, best grade B
Median fraud loss reduction
30%
3 deployments
