AI pattern
Reading, classifying and extracting data from documents such as forms, statements, contracts and identity papers.
184 organizations in 29 countries run these use cases in public. 50% of those 216 deployments disclose a measurable outcome.
A customer facing AI agent that handles the "I do not recognise this charge" moment: it finds the transaction, separates suspected fraud from merchant disputes and simple confusion, 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.
An AI agent that gathers a corporate borrower's documents and data, spreads the financials into the bank's template, calculates ratios and covenant headroom, pulls bureau and news information, and drafts a committee ready credit memo in which every figure links to its source, for the relationship and credit teams to challenge, complete and sign.
An AI agent that takes the first notice of loss from a policyholder by phone, chat or app, identifies the policy, collects the facts of the incident and the evidence the claim type needs, opens the claim in the claims system and tells the customer what happens next, handing complex, injured or vulnerable claimants to a human handler.
An AI agent that does the coordination work behind moving a truckload: reading an emailed quote request and replying with a price, ranking which loads to show which carriers, matching pickup and delivery details to an open dock appointment slot, and chasing the exceptions, so a broker's or carrier's own staff plan lanes and handle disputes instead of typing quotes and making appointment calls.
An AI agent that reads a prospective private client's documents, extracts and corroborates how their wealth was built, 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.
An AI agent that checks every travel and expense report line against policy, receipts and prior submissions instead of a small manual sample, flags duplicates, altered receipts and policy violations with the evidence attached, and auto approves the clean majority so auditors spend their time on the reports that are genuinely risky.
An AI agent that helps insured travellers around the clock and in their own language: it answers cover questions, takes claims for delays, cancellations, lost baggage and medical costs, reads the receipts and certificates they upload, settles simple claims within set limits, and connects medical emergencies and complex cases to the assistance team at once.
An AI assistant that helps people understand which public benefits and grants may apply to them, explains the rules and documents in plain language, guides them through the application and checks it for completeness, while the eligibility decision stays with the agency's rules and caseworkers.
An AI assistant that screens the market for acquisition or investment targets, builds company profiles, and speeds up due diligence by reading data room documents, extracting key terms and risks and drafting the investment or diligence memo, for the deal team to verify and decide.
A customer facing AI assistant that guides a new applicant, a person or a small merchant, through a digital account, card or relationship application: 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.
An assistant for procurement and vendor management that reads supplier contracts and proposals, 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.
An AI assistant that screens Islamic financing contracts, deal structures and investments for Shariah compliance risks such as riba, gharar and exposure to prohibited activities, retrieves the relevant standards and fatwas, drafts the Shariah review documentation and flags issues for the Shariah board, which keeps sole authority over any ruling.
An AI assistant that takes a new or existing customer from order to a working service: it collects and checks the order details, guides number porting, eSIM download or SIM activation and installation appointments, tracks the order and fixes or escalates the step that is stuck, on messaging, app, web or phone.
An underwriting engine that assesses a small business's repayment capacity from live bank transactions, point of sale and payment flows, receivables and accounting data instead of audited accounts, and returns a decision recommendation with the evidence and reasons behind it.
AI that reads structured data and clinical notes in the health record, compares each patient with the inclusion and exclusion criteria of open clinical trials, and gives research staff and treating clinicians a ranked list of likely eligible patients with the evidence for each criterion, so that people confirm eligibility and invite the patient.
A copilot for independent model validation and review, whether run by a bank's validation function, an external tester or a supervisor, that 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.
A machine learning credit model that adds consumer permissioned alternative data, such as bank account cash flow, rent, utility and telco payments or ecosystem data, to credit bureau data, so a lender can assess applicants with thin or no credit files and return a decision with specific reasons.
AI that takes documents in any format, such as scanned forms, PDFs, photos, emails and handwritten notes, splits and classifies them, extracts the required fields with a confidence score, validates them against business rules and source systems, and sends only the uncertain cases to a person before the data enters the downstream process.
Generative AI that drafts clinical study reports and other regulated documents, such as protocols, patient materials and submission modules, from the trial's statistical tables, listings and figures and from approved template text, for medical writers to verify, edit and approve before anything is submitted to a regulator.
A monitoring system that tracks covenant tests and borrower reporting across a loan book, reads financials, filings and news, and combines them with payment and sector signals to flag borrowers whose credit is deteriorating, with the evidence and a suggested next step for the relationship manager.
AI that reads the full document presentation under a letter of credit or collection (bill of lading, commercial invoice, packing list, certificates), extracts and cross checks the data, tests it against the instructions and the ICC rules (for letters of credit, the credit terms, UCP 600 and ISBP), and lists discrepancies by severity with the rule cited, so qualified examiners focus on the genuine exceptions.
AI that checks incoming account and loan applications for forged or AI generated documents, synthetic and stolen identities, and coordinated application rings, by analysing documents, device and application data across the whole queue and cross checking against bureau and official sources.
AI that executes the servicing requests that land in operations queues, such as address and mandate changes, standing instructions, beneficiary updates, reissues, payoff and reference letters and loan maintenance, by reading the request, checking it against policy and entitlements, and preparing or making the change in core systems under dual control.
An AI agent that builds the know your business (KYB) due diligence file for a new or reviewed corporate client, before any account is opened: 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.
AI that reads remittance advices in many formats, matches incoming customer payments to open receivable invoices, proposes deduction and short pay reason codes from prior resolutions, and routes only the genuine exceptions to a cash application analyst, so the accounts receivable sub ledger clears itself for the clean majority of payments.
AI that runs the dispute engine room for issuers, acquirers and merchants: it maps each dispute to the network reason code, 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.
AI that reads each new insurance claim and its documents, scores its complexity, cover questions, fraud and recovery signals, sends it to the right handling path and handler, and settles simple, low risk claims end to end within set limits without a person touching them.
AI that reads incoming broker submissions for commercial insurance (emails, applications, schedules of values, loss runs and supplements), extracts the risk data into a structured record, checks clearance and appetite, enriches the risk with internal and third party data and ranks it, so underwriters open a complete, prioritized file instead of an inbox.
AI that moves control testing from periodic samples to continuous, full population assurance: it collects evidence from source systems, maps each artefact to the control it supports, tests every transaction or record against the control's rule, 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.
AI that condenses court filings, case files, evidence recordings and earlier decisions into structured summaries, chronologies and draft case reports with references to the source pages, so that judges, prosecutors, tribunal staff and government lawyers find what matters faster, while the person responsible reads the underlying material and makes every legal judgment.
AI that reads what is being shipped (the commercial invoice, the product data and sometimes a photo), proposes the tariff classification code with its reasoning and a confidence score, drafts the customs declaration with value, origin and parties, and sends only uncertain or high risk entries to a licensed customs specialist before filing.
AI that sorts, prioritises and codes large collections of emails, chats and files for relevance, issues and legal privilege in litigation, investigations and regulatory requests, so that lawyers review the documents most likely to matter and can show the court how the rest were handled.
AI that helps a public body handle freedom of information and open government requests: logging and clarifying requests, spotting duplicates, searching and deduplicating the records in scope, proposing redactions with the exemption that applies, and drafting the response letter, with an FOI officer deciding what is released.
AI that reads prior authorization requests, medical claims and appeals with their clinical and billing documents, extracts diagnoses, treatments and costs, checks them against the policy and published clinical criteria, and prepares a summary and recommendation for a clinician or adjudicator, who makes every adverse decision.
AI that helps applicants understand immigration and visa requirements and submit complete applications, and helps immigration staff prepare cases by extracting form data, classifying evidence, routing applications and supporting interviews, while every grant or refusal is decided by an officer against the immigration rules.
AI that sorts inbound correspondence before anyone answers it: it takes every inbound letter, email, upload and secure message into one intake, identifies what it is, extracts the key fields, links it to the right customer and account, sets priority and routes it to the right team or workflow, replacing the manual sorting desk.
AI that scores every insurance claim for fraud from first notice of loss onwards, combining claim, policy, document, image and network data to find suspicious claims, organised rings and inflated losses, and sends each alert with its reasons to a claims handler or special investigations unit for review.
AI that prepares and runs the renewal cycle: it digitizes renewal submissions and changes in risk for underwriters, flags policies at risk of lapsing or leaving, prepares the renewal conversation and answers customers' renewal questions, while renewal prices stay governed by the insurer's pricing rules and fair value obligations.
AI that matches entries across nostro and vostro statements, card and scheme settlement files, the general ledger and suspense accounts, proposes matches and clearing journals, and routes only the genuine breaks to an operator with a plain language explanation.
AI that works the payments that fall out of straight through processing: it reads the failure, repairs or enriches the message, 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.
AI that helps applicants submit complete permit and licence applications and helps officers process them, by answering questions about requirements, checking applications for missing or inconsistent information, pulling the relevant policies, history and constraints, and drafting reports, while the grant or refusal stays with a named officer or a published rule.
AI that keeps each customer's due diligence file current by replacing calendar driven KYC reviews with continuous, event driven refreshes: it watches for trigger events such as a change of ownership, address, behaviour or a new adverse finding, refreshes the file automatically where it can, and involves an analyst only when something material has changed. The risk rating itself and the first file for a new business client are separate use cases.
AI that takes in adverse event reports about medicines, vaccines and devices from calls, emails, forms, literature and partner files, decides whether each is a valid case, flags seriousness, extracts and codes the case data into the safety database format, and routes it to drug safety professionals, who review medical content and regulatory reporting.
An assistant that takes a new or changed obligation, finds every internal policy, standard and procedure it 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.
AI that helps sales and bid teams answer requests for proposal, tenders, security questionnaires and sales proposals: it breaks the request into questions and requirements, retrieves approved answers and past proposals, drafts the response and a compliance matrix, and routes open points to subject matter experts, with a proposal manager reviewing everything before submission.
AI that reads open and closed claims to find cases where a third party is wholly or partly liable, estimates liability and the recoverable amount under the applicable negligence and recovery rules, and sends scored recovery opportunities with their reasons to the subrogation team.
An assistant for the bank's regulatory affairs team that reads a supervisory information request or exam question, retrieves the relevant evidence, policies and prior correspondence, drafts a response for legal and compliance to approve, and tracks every commitment and remediation action through to closure.
AI that captures supplier invoices from any format, extracts header and line data, matches them 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.
AI that reviews a vendor's security questionnaires, SOC and assurance reports, contracts and model documentation against the organization's control requirements, 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.
AI that reads a commercial lease, amendment or letter of intent and extracts the key terms, such as parties, dates, rent, escalations, options and renewal notices, into structured data, so a property owner, occupier or brokerage does not retype every clause by hand into its lease administration and portfolio systems.
A generative AI assistant for lawyers in firms, legal departments and public bodies that finds and summarises case law, legislation and internal know how, answers legal questions with citations and drafts first versions of memos, briefings, letters and filings, which a lawyer verifies and signs off.
AI that reads the clinical documentation of an encounter and assigns the diagnosis and procedure codes (such as ICD-10, CPT and HCPCS) needed for billing and reporting, either as suggestions for a certified coder or autonomously for encounters it can code with high confidence, sending the rest to coders with the reasons.
An AI agent that runs the operational setup of a corporate client after the due diligence has been approved: 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, turning a manual setup that passes between several teams into a tracked, guided flow.
AI that turns what a customer sends, such as a product list, a drawing, a roof photo or a request for quotation, into a draft quote: it reads the input, matches items to the catalog, calculates quantities and applies the organization's price rules, and hands the draft to a seller or estimator who checks and sends it.
An assistant that assembles a stressed borrower's position, tests restructuring options such as a term extension, rate relief, payment holiday or due date change against policy and affordability, and recommends the best fit with a written rationale for a person to approve.
An AI system that continuously reads publications from the regulators and standard setters an organization answers to, classifies each item by relevance and urgency, 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.
AI that screens every trade finance transaction for financial crime risk: 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.
AI that reads purchase orders, invoices, card transactions and contracts and assigns each line of spend to a category in the organization's taxonomy, and to the right supplier, so that procurement can see what is bought, from whom and where to consolidate or negotiate.
AI that reads the medical evidence behind a life or health insurance application (attending physician statements, electronic health records, lab results and disclosures), turns it into a structured, cited summary of conditions, treatments and dates, and maps it to the insurer's underwriting manual so an underwriter can decide faster and more consistently.
A governed register of every AI system and model an organization builds, buys or uses, with its 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.
AI that reads product requirements, specifications or recorded sessions, checks them for gaps, ambiguity and contradictions, and drafts structured user stories, acceptance criteria and test cases (for example in Gherkin) that QA engineers review, with each item traced back to the requirement it covers.
AI that translates government content, documents and conversations between officials and the public, in writing and in real time speech, so people can use public services in their own language, with human translators and interpreters reviewing what carries legal or safety weight.
A conversational assistant on web, app, messaging or voice that explains loan products, captures the application through dialogue in the customer's language, checks documents and basic eligibility rules, and hands a complete, structured application to origination, without making the credit decision.
A copilot for internal auditors that 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 its evidence and a qualified auditor accountable for every conclusion.
Computed from the 216 public deployments behind these use cases. Numbers update with every checked record.
| KPI | Median | Reported range | Data points | Claimed by |
|---|---|---|---|---|
| Accuracy | 94% | 83% to 100% Not pooled: up to 99% | 10plus 1 up to | 5 organization, 5 vendor |
| Automation rate | 83% | 25% to 99% Not pooled: up to 70% | 10plus 1 up to | 6 organization, 4 vendor |
| Handling time reduction | 65% | 30% to 90% | 10 | 3 organization, 7 vendor |
| Productivity gain | 65% | 30% to 113% Not pooled: up to 87.5%, up to 80% | 7plus 2 up to | 4 organization, 3 vendor |
| Cycle time reduction | 67% | 20% to 95% Not pooled: up to 70% | 7plus 1 up to | 1 organization, 6 vendor |
A&O Shearman, ANZ, HSBC and Lloyds Banking Group, AXA Switzerland, AXIS Capital, Absa Bank, Acentra Health, Administration for Children and Families, Admiral Seguros, AdvanceCare, Albo, Allianz Partners, American International Group, Ancine, Ashurst Perkins Coie, Assurant, Atlanticus, BCU, BNY, Baltimore City 911 (Emergency Communications), Banco Bradesco, Banco Supervielle, Banestes, Bank of Singapore, Bayer, Board of Governors of the Federal Reserve System, British Columbia Investment Management Corporation, BrowserStack, C.H. Robinson, CNA Financial, CNG Holdings, Centers for Medicare and Medicaid Services, Central Insurance, Citi, Cleveland Clinic, Close Brothers Motor Finance, Commonwealth Bank of Australia, Comrade Trustee Services, Continental AG, Crown Prosecution Service, Cushman & Wakefield, DBS Bank, DHL Express, DOMCURA, Databricks, Datasite, DeAcero, Delaware County, Department for Work and Pensions, Deutsche Bank, EQT, Ecclesia Group, Elephant Insurance, Encova Insurance, Enpal, European Central Bank (ECB Banking Supervision), European Commission, Federal Deposit Insurance Corporation, Federal Emergency Management Agency, Federal Student Aid (U.S. Department of Education), Federal Trade Commission, Figure, Financial Conduct Authority, First National Bank of Omaha (FNBO), Freshfields, GXS Bank, Gemeente Amsterdam, Gemeente Nissewaard, General Insurance Association of Singapore, General Services Administration, Generali Global Corporate & Commercial, Ginnie Mae, GitHub, Golden 1 Credit Union, GroupeActive, Health Resources and Services Administration, Hippo, Hiscox, Home Office (Visa, Status and Information Services), ICICI Lombard, Incore Bank, Industrialized Construction Group, Intellectual Property Office, Internal Revenue Service, J.B. Hunt Transport Services, JLL (Jones Lang LaSalle), JPMorgan Chase, Keurig Dr Pepper, Kingfisher, Kinsale Capital Group, Klarna, LTIMindtree, Leeds City Council, Lemonade, Lloyds Banking Group, Loadsure, M-DAQ Global, MYbank, Madrid Destino, Manulife, Markel, Mass General Brigham, Merck & Co., Microsoft, Montgomery County Government, Mount Sinai Health System, National Aeronautics and Space Administration, National Australia Bank, National Bank of Greece (Cyprus), Novo Nordisk, Nsure.com, OCBC, OakNorth Bank, Office of Management and Budget, Oper Credits, Origin Bank, PNC Financial Services, Paragon Insurance Group, Patelco Credit Union, Payoneer, Pension Benefit Guaranty Corporation, Pfizer, Progressive, Provincie Noord-Holland, Prudential plc, Pupuk Indonesia, Purpose Legal, Rand Merchant Bank, Reliance Jio, ResMed, Rocket Mortgage, Rogo, Région Provence-Alpes-Côte d'Azur (Région Sud), SS&C Technologies, Sedgwick, Serious Fraud Office, Singtel, Skyward Specialty Insurance Group, Stanbic Bank Uganda, Standard Chartered, Sumitomo Mitsui Banking Corporation, Supremo Tribunal Federal, Takeda, Telstra, The Master Trust Bank of Japan, The ODP Corporation, Tokio Marine & Nichido Fire Insurance, Travelers, U.S. Citizenship and Immigration Services, U.S. Department of Agriculture, U.S. Department of Homeland Security, U.S. Department of Justice, U.S. Department of State (Bureau of Consular Affairs), U.S. Department of Veterans Affairs, U.S. Department of the Interior, U.S. Fish and Wildlife Service, U.S. Food and Drug Administration, U.S. Food and Drug Administration, Center for Drug Evaluation and Research, U.S. General Services Administration, U.S. Immigration and Customs Enforcement, U.S. Securities and Exchange Commission, U.S. Trade and Development Agency, US Department of Veterans Affairs, Veterans Health Administration, Uber Freight, Unilever, United Bank Limited, United Overseas Bank (UOB), United Parcel Service, Upstart Network, Veolia, Verdantas, Verizon, Veterans Health Administration, Visa, Volvo Group, Walmart, West Berkshire Council, World Food Programme, XP Inc., Yale Cancer Center, YoungWilliams, Your Health, ZLS Zoll und Logistikservice GmbH, Zoya, Zurich Insurance Group.
