AI Agents for Fintech
A chatbot tells a compliance analyst what documents are needed. An AI agent retrieves the applicant record, runs the sanctions check, scores the identity verification result, and routes the case to human review with a structured summary, all before the analyst opens their queue. We build fintech AI agents with defined scope, explicit escalation logic, and audit trails that satisfy regulatory requirements. Each agent handles one workflow well rather than many workflows poorly.
KYC/AML agents that screen applicants, flag exceptions, and route cases for human review
Underwriting data extraction agents that pull from bureaus, statements, and filings into a structured decision package
Fraud triage agents that rank alerts by risk signal and surface only the cases that need a compliance analyst
Customer support agents that resolve routine account queries end-to-end without queue dependency
Recent outcomes
Voice AI · Research
6× deeper insights
Text-based interviews converted to automated phone calls
AI Automation · Ops
20k+ txns day one
Manual invoice OCR across 40+ gas stations
Loyalty · Retail
1,062 users in 4 weeks
SuperValu & Centra loyalty platform with receipt validation
SaaS · Logistics
2,000+ shipments yr 1
Multi-carrier shipping hub for Indonesian eCommerce
The problem
Your compliance team drowning in KYC/AML manual review queues while onboarding slows to a crawl?
Loan underwriting stalled because data lives across bureau reports, bank statements, and tax filings that someone has to pull and reconcile by hand?
Short answer
RaftLabs builds autonomous AI agents for fintech workflows: KYC/AML screening, loan underwriting data extraction, fraud alert triage, customer support for routine account queries, reconciliation, and regulatory reporting. Unlike chatbots that only answer questions, these agents take actions end-to-end within defined guardrails, with audit trails that satisfy PSD2, FCA, and AML requirements. Most fintech AI agent projects deliver in 10-14 weeks at a fixed cost.
Key takeaways
Trusted by
We build fintech AI agents with defined scope, explicit escalation logic, and audit trails that satisfy regulatory requirements. Compliance and data security scope is confirmed during discovery because that is where most fintech projects encounter unexpected complexity.
Capabilities
Identity verification and sanctions screening run in parallel, with results consolidated into a structured risk summary and cases below the auto-pass threshold routed to compliance with full evidence attached.
Open banking transaction history, filed accounts data, and bureau reports assemble into a single decision package matched to your credit model's input template, with a mandatory human checkpoint before any decision.
Alerts enrich with device fingerprint, counterparty reputation, and historical pattern data, scored against a configurable risk framework so analysts work highest-risk cases first.
Routine account queries resolve end-to-end with authentication enforced before any account data returns, and explicit escalation for disputes, closures, or fraud concerns.
Settlement files, ledger entries, and bank statements match automatically, with a structured breaks report delivered before the finance team starts their morning review.
Data extraction, transformation, and schema validation assemble draft reports (MiFID II, SARs, AML returns) for compliance officer review, never autonomous submission.
How we work
We map your target workflow, regulatory context, and system integrations. You leave week 1 with a written scope document and a fixed-price quote.
Workflow state machine, human-in-the-loop checkpoints, and audit trail designed against your compliance requirements.
Agent logic, API integrations, and escalation UI built in parallel, tested against real case scenarios.
Compliance team reviews the audit trail and escalation logic before full production rollout.
Why us
The engineers who assess your compliance context also build the solution. No bait-and-switch, no offshore handoff after the contract is signed.
We scope the work, calculate the cost, and lock it in writing before any development starts.
Clients include Vodafone, T-Mobile, Aldi, Nike, Cisco, and Lockheed Martin. Track record building regulated fintech platforms.
Credit decisions and regulatory submissions always stay with a qualified human reviewer.
Every screening step and routing decision is logged, satisfying AML/CFT record-keeping requirements.
Tell us the workflow you want to automate, your core platform, and your regulatory context. We will scope what an agent can handle and give you a fixed cost.
Tell us what's broken. Within one business day you get a straight take on cost, timeline, and the right first step. No deck, no pressure.
Stay on topic
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Read moreA chatbot answers questions. An AI agent retrieves data from the core banking API, runs the required checks, and delivers a structured response without a human touching the query. Agents operate as stateful, multi-step processes with explicit scope boundaries, a list of query types handled, a list escalated, and defined decision points requiring human approval.
Compliance requires data residency, encrypted handling, minimum-necessary access controls, and audit logs of every agent action. For PSD2-compliant open banking retrieval, the agent uses an authorised AISP API rather than screen scraping. For AML workflows, the agent applies your firm's defined risk thresholds consistently with a full audit trail of every decision.
Common integrations include core banking platforms (Mambu, Thought Machine, Temenos), payment processors (Stripe, Adyen, Worldpay), open banking providers (TrueLayer, Plaid), KYC/AML providers (ComplyAdvantage, Refinitiv), credit reference agencies, and loan origination and transaction monitoring systems. We confirm integration scope during discovery.
A focused agent covering one workflow, one or two integrations, and defined escalation logic typically runs $30,000 to $65,000, delivering in 10-14 weeks. A multi-agent system covering KYC screening, fraud triage, and underwriting data extraction typically runs $65,000 to $150,000.
Work with us
We scope AI Agents for Fintech in 30 minutes. You walk away with a clear cost, timeline, and approach. No commitment required.
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