Tailored AI For Banking Institutions

AI-driven infrastructure for banking institutions designed for compliance, scale, and performance.

We partner with industry leaders

Banking Institutions Overview

Banking institutions provide essential financial services through various specialized entities. Each faces unique pressures requiring AI and automation solutions

Retail Banks

Must transform branch-heavy operations into efficient digital systems while maintaining personal service.

Digital/Neo Banks

Need scalable platforms to support rapid growth and personalization at scale.

Private Banks

Require sophisticated client management tools to serve high-net-worth individuals efficiently.

Investment Banks

Depend on fast, accurate data analysis to maintain a competitive edge in deal-making.

Corporate Banks

Need robust transaction processing systems that integrate with global networks.

Ready to take your business to the next level?

Industry Trends & Innovation

$ B
Projected regulatory technology (RegTech) spending by 2026.
%
of executives now prioritizing AI in customer-facing processes.
%
annual growth — Market share increase of digital-only banks.
%
annual growth — Market share increase of traditional banks.
%
of banks participating in API-based (open banking) services.
%
Finance Industry Focus
+
Years of team experience
Days of full free post-deployment support
+
Implementations delivered successfully by our experts
%
Compliance-first approach
%
Of our annual revenue is donated to charity

Banking Institutions Challenges

Deal Quality Assessment Limitations

Alternative finance platforms struggle to evaluate deal quality at scale, relying on limited data points and manual review processes. Due diligence teams typically review only 15-20% of submitted opportunities, yet still take 2-3 weeks per deal.

Manual Process Inefficiencies

Legacy systems force staff to manually verify documents, process applications, and onboard clients. Result: 40+ hour customer wait times, 15-25% error rates in processing, and staff spending 60% of their day on low-value tasks.

Data Fragmentation

Customer information sits trapped in 12+ disconnected systems across departments. This prevents relationship managers from seeing complete client profiles, blocks cross-selling, and creates compliance blind spots that regulators penalize.

Rising Cost-to-Serve

Traditional banks spend $350-550 to acquire each new customer while digital alternatives spend $100-150. Branch networks, manual processes, and compliance staff drain resources while customers expect lower fees and instant service.

Security Vulnerabilities

Financial institutions face 300% more cyberattacks than other industries. A single breach costs banks an average of $5.9 million plus immeasurable reputation damage. Most banks still rely on reactive security approaches despite sophisticated attack methods.

Let’s get in touch

We’re excited to hear from you and to start something special together.

How Aspagnul Helps Banking Institutions

Aspagnul offers a full AI and automation stack tailored to banking, from onboarding and fraud prevention to treasury, risk, and client analytics.

Security, Risk &
Compliance

Banks operate under intense regulatory scrutiny while facing rising fraud threats. Our compliance-first solutions strengthen identity assurance, automate AML/KYC checks, and provide full audit trails. This reduces risk exposure, improves regulator confidence, and accelerates safe onboarding without adding unnecessary friction to customers.

Advanced Predictive
Analytics

In a competitive market, banks must anticipate risk and identify profitable opportunities. Aspagnul’s predictive analytics models deliver accurate credit scoring, portfolio risk insights, and real-time market intelligence. This empowers banks to manage capital more effectively, reduce losses, and make faster, data-driven lending and investment decisions.

Finance Automation &
Process Optimization

Manual processes slow banking operations and increase cost-to-serve. Aspagnul’s intelligent automation streamlines document handling, reconciliations, and onboarding workflows, while improving accuracy and customer experience. The result is leaner operations, reduced back-office burden, and greater efficiency that directly enhances profitability and client satisfaction.

Develop custom digital platforms that unify fragmented systems and automate complex workflows. These solutions digitize banking operations while providing intuitive experiences for both customers and employees.

Create bespoke intelligence capabilities that provide sustainable competitive advantages. These strategic solutions address your specific business model and market positioning with proprietary capabilities unavailable to competitors.

Transform payment failure into revenue recovery with intelligent routing that reduces decline rates by 25-40% and captures millions in previously lost transactions. Advanced AI algorithms optimize payment routing in real-time while automated recovery systems recapture failed transactions, directly increasing digital banking revenue while enhancing customer experience.

Case Study

Real Results from Financial Leaders

KYC Automation for a German Payments Fintech

A mid-sized German payment gateway with 180 employees processing approximately €700-800M in annual transactions, active in 6 EU markets.

Conversational AI for a Spanish Insurance Firm

A traditional Spanish insurance provider with 85 years of history, 950 employees, and €280 million in annual premiums across home, auto, life, and commercial lines.

Real-Time Fraud Detection in UK Digital Payments App

A fast-growing UK-based mobile payment application with 165 employees processing approximately £1.3 billion in annual transaction volume with around 700k active users.

AI Copilot for Treasury Operations at a Spanish Payment Orchestration Platform

A mid-sized German payment gateway with 180 employees processing approximately €700-800M in annual transactions, active in 6 EU markets.

Certifications & Compliance

GDPR approved logo

Strategic Outcomes for Banking Institutions

Stronger risk and fraud defenses through AI-driven monitoring and controls.

Faster, safer onboarding with automated KYC/AML checks and audit-ready trails.

Smarter credit and portfolio insights that balance growth with regulatory requirements.

Streamlined operations that reduce back-office workload and improve customer experience.

Our Process: How We Deliver

1.
Discovery & Tech Audit

Quickly assess your systems, regulatory requirements, and operational workflows to spot opportunities.

2.
Solution Blueprint

Tailored architecture that prioritizes compliance while targeting operational improvements for your banking category.

3.
Banking-Focused Team

Specialized developers, data scientists, and compliance experts assigned to your project based on your specific needs.

4.
Secure Implementation

Bank-grade security protocols and careful integration with your existing core banking platforms.

5.
Compliance Check

Thorough testing against relevant banking regulations before systems go live.

6.
Performance Tracking

Methodical implementation with clear KPIs and continuous optimization for real-world results.

Why Choose Aspagnul?

Banks operate at the center of trust, regulation, and competition. At Aspagnul, we understand that every decision in banking must balance resilience, compliance, and client experience.

Our approach combines technical expertise with a deep respect for banking realities. We don’t just deploy AI — we design solutions that fit your regulatory environment, integrate with legacy systems, and strengthen the relationship you hold with your clients.

What makes us different is our focus on sustainable growth, not quick fixes. We bring structure and clarity to complex challenges, always working with you to create long-term impact.

Because for us, success is measured not only in operational gains, but in helping banks stay trusted, competitive, and ready for the future.

Frequently Asked Questions

KYC automation creates a multi-layered security approach through biometric verification, document authenticity checks, and automated watchlist screening. The system applies consistent verification to every application, eliminating human errors while creating detailed audit trails for regulators. Banks using the system typically cut fraudulent applications by 60-70% while reducing compliance exceptions.

Yes, we work with all major core banking platforms, including Temenos, Finastra, FIS, Jack Henry, and Mambu. Integration specialists create secure connections based on your specific system constraints. 

Built configurable compliance frameworks that adapt to different regulatory environments. Systems include a continuously updated regulatory database covering major financial jurisdictions, and all solutions undergo compliance review by banking specialists.

You can expect to see ROI in three areas: operational cost reduction (25-40% for automated processes), improved conversion rates (15-30% for digital applications), and risk reduction (40-60% decrease in compliance exceptions). Establish baseline metrics during initial analysis and track improvements across agreed KPIs, with most clients achieving ROI within 6-12 months.

Implementing bank-grade security at every level: end-to-end encryption, role-based access controls, and secure development practices. All sensitive data processing follows privacy-by-design principles with options for on-premises deployment or private cloud configurations. And systems maintain detailed audit logs and comply with major privacy regulations.

We provide 80 days of free post-deployment support and training to ensure smooth adoption. After that, clients can choose tailored support packages ranging from standard maintenance to fully managed services, with 24/7 response for critical issues.

Get in touch

We’re excited to hear from you and to start something special together.

Contact Information

Turn your financial operations with purpose-built AI solutions from Aspagnul that reduce costs, accelerate growth, and ensure regulatory compliance across financial institutions.

© 2025 ASPAGNUL | All rights reserved.

Website Design & Developed by JustCommerce