AI agents for lenders, banks and fintechs
Agents that review KYC files, prepare credit memos, run collections and work disputes, with every decision approved by your team and logged for audit.
Where banking and fintech teams lose time
KYC queues slow onboarding
Analysts check the same documents by hand, and incomplete files bounce between teams before an account can open.
Credit files take days to assemble
Bank statements, bureau reports and financials arrive in mixed formats, so underwriters spend their time collating instead of judging risk.
Collections run on spreadsheets
Follow-ups depend on who remembers, promises to pay go untracked and borrowers receive inconsistent messages.
Alerts and disputes pile up
AML alerts and chargeback disputes need careful evidence, yet most of the effort goes into gathering it.
Agents built for banking and fintech
Each agent does one job well, connects to the systems you already run, and stops for a person at the decisions that matter.
KYC Review Agent
Extracts and cross-checks identity, address and business documents against application data, and lists every mismatch for review.
Credit Memo Agent
Reads bank statements, bureau reports and financials, then drafts a structured credit memo with the key ratios and red flags.
Collections Agent
Sends reminders on WhatsApp, SMS and email, records promises to pay and escalates broken promises to the right collector.
Dispute Desk Agent
Gathers transaction records and customer evidence for each chargeback or complaint and drafts the response.
AML Alert Triage Agent
Summarises each alert with the related transactions and customer profile, and recommends close or escalate with its reasoning.
Reg Report Prep Agent
Pulls data for periodic regulatory and internal reports, checks it for gaps and prepares the draft return.
From first call to agents in production
Choose one queue, such as KYC or collections, and share sample cases.
We set up the agent with your policies, data access and approval gates.
Your team works its output side by side with current handling.
Compare results on agreed KPIs and plan the rollout with a fixed quote.
- KYC files cleared per analyst per day
- Time from application to credit decision
- Promises to pay kept
- Dispute response time
- Alerts reviewed per investigator per day
Agents are designed to fit RBI guidance on outsourcing and digital lending in India, GDPR and FCA expectations in the UK, and the requirements of Gulf central banks. Data stays in the regions your regulator requires.
AI agents for banking and fintech: common questions
Can AI agents make lending decisions?
Our agents prepare decisions rather than make them. A credit memo agent collates statements, bureau data and financials, calculates the ratios your policy uses and highlights red flags. The underwriter reviews the memo and makes the decision. This keeps accountability with your credit team, which regulators expect, while removing the hours spent assembling each file. Every input and output is logged on XDQ AgentOS.
How do you handle sensitive financial data?
Agents run on XDQ AgentOS with role-based access, so each agent and each user sees only the data it needs. Every action is written to an audit log. We can deploy in your cloud or in a region your regulator requires, and we do not move customer data outside the agreed environment. Guardrails stop agents from sending data to any destination you have not approved.
Will a collections agent contact borrowers on its own?
Only within rules you approve. Your collections lead signs off the message templates, contact hours, channels and escalation steps before the agent goes live. The agent then sends reminders, records responses and promises to pay, and hands any dispute, hardship case or settlement request to a person. Nothing outside the approved templates is sent without a human reviewing it first.
What does a fintech agent pilot cost?
A single-queue pilot such as KYC review or collections reminders usually sits in the USD 5,000 to 20,000 band and runs 2 to 6 weeks. Connected builds across onboarding, credit and collections typically fall between USD 20,000 and 50,000. Bank-scale programmes with multiple integrations can reach the USD 50,000 to 200,000 band. We give a fixed quote after a short brief.
From USD 49 or INR 2,999 a month. A person approves every step.