AI for banking that scores in milliseconds and explains every decision.
Real-time decisions · with explanations regulators accept.
Banking AI fails when it cannot explain itself. A fraud model that flags a transaction and cannot say why will frustrate customers, embarrass the call centre, and fail the next regulator audit. We build for explainability from day one.
Our banking systems score every transaction in real time, generate a human-readable reason for every decision, and keep the full audit trail your compliance team needs. False positives fall, fraud caught rises, and the regulator walks away satisfied.
From transaction fraud and AML monitoring to credit decisioning and customer-service automation, the wins are measurable: faster decisions, fewer false alarms, more fraud recovered.
Four places to start.
Each of these has shipped in production for a real banking customer. Pick the closest match to your situation.
Real-time transaction fraud
Score every transaction in under 200ms. Every flag carries a clear reason · which signals triggered it, what the model saw, and what the recommended action is.
AML and sanctions monitoring
Continuous screening across customer populations and transactions, with explainable alerts that the second line of defence can defend.
Credit decisioning
Faster, fairer, more accurate decisions on retail and SMB credit. Every decision carries the factors that drove it, with adverse-action notices that are clear to the customer.
Customer service copilots
Real-time assistance for the contact-centre agent: customer history, recommended actions, draft responses. Average handle time falls, customer satisfaction rises.
Three steps. No surprises.
The same shape as every Fornext engagement · from banking to banking to restaurants. You see real progress in weeks, not quarters.
Map the regulatory perimeter
Before writing a line of model code, we document what the regulator will want to see: every input, every feature, every decision, every reason. The model is built to satisfy that document.
Build a real-time feature store
A clean feature pipeline over your historical transactions and customer data, served at the latency your traffic demands. No batch jobs pretending to be real-time.
Explainability layer, not explainability afterthought
Every model output carries a structured explanation. The compliance team reviews them, the regulator reviews them, and your customer-facing teams use them every day.
The questions banking leaders ask us.
These come up on every banking discovery call. The answers are real, not sales-deck answers.
Have a different question? Ask usCan every decision really be explained?
Yes. We add an explainability layer on top of every model so each output carries the inputs and weights that drove it. The compliance team can sample and review on demand.
What about model risk management and validation?
We work with your existing MRM team. Every model ships with documentation that satisfies SR 11-7, the EU AI Act, and equivalent regimes. Independent validation is part of every engagement.
How fast is the scoring?
Median decision time on real-time fraud is under 200ms end-to-end, including feature lookup and explanation generation. We can tune this further if your traffic pattern demands it.
Will this run in our own cloud?
Yes. Default deployment is in your own AWS, GCP, Azure, or on-premise environment. We do not require data to leave your perimeter.
AI that earns the trust of clinicians, regulators, and patients.
Real-time intelligence on the factory floor · without ripping out what works.
AI that reads like a careful junior associate · without crossing matters.
Voice agents that pick up the phone · in any language, 24/7.
Talk to us about your banking project.
One short call. We'll tell you what we'd do, what it would take, and what it would cost · even if we end up pointing you somewhere else.