How Kuwait Finance House uses AI

Kuwait Finance House (KFH) and NCR Atleos announced in November 2025 a conversational AI avatar named Fahad, shown as a video avatar on the account service kiosks in KFH branches. The avatar answers frequently asked questions about KFH services and gives branch specific information, and from the second phase of the project it is meant to guide customers through transactions on the kiosk. It can hand the conversation to a live agent. KFH also plans AI speech analytics and automated quality management over these conversations. NCR Atleos describes the work as a field test of a product that is not yet commercially available. No usage or results have been published.

Kuwait Finance House (KFH) built RiskGPT, an in house AI engine on Microsoft Azure AI services, Microsoft Fabric and Microsoft 365 Copilot, with its own research and development institute. The engine is guided by KFH's business rules and policies and lets risk teams carry out dynamic risk rating and evaluate credit cases in under an hour and generate real time reports instead of manually compiling spreadsheets across the bank's subsidiaries across the 12 countries it operates in. KFH says it is the first bank in Kuwait to run such an initiative in its group risk division.

Kuwait Finance House (KFH) deployed specialised virtual assistants for its own staff. ShariaBot answers questions on Sharia compliant banking transactions, investment structures such as Mudarabah and Sukuk, and Zakat calculations, and cites specific fatwas of KFH's Sharia Supervisory Board. ComplianceBot helps compliance and legal staff work through the Central Bank of Kuwait regulatory framework, covering supervisory duties, licensing, customer protection and governance. KFH describes the answers as accurate and says the fatwa references raise reliability, and publishes no usage or accuracy figures.