Onboarding takes days of document chasing.
What it costsApplicants drop out, and acquisition spend is wasted.
What changesAgents check documents as they arrive, request what is missing and pre-fill the case for an analyst.
Agentic OS · ContextAI Transformation · Banking, fintech and payments
Enterprise AI for onboarding, compliance and service.
For banks, lenders, fintechs, payment companies and money transfer operators: agents that onboard customers, prepare KYC and AML reviews and answer service queries, alongside AI for credit operations, disputes and regulatory reporting, with an audit trail on every action.
Where AI helps first
- OnboardingApplications pre-checked
- KYC and AMLReviews prepared for analysts
- DisputesCases assembled and drafted
- ServiceQueries answered from policy
- CreditFiles checked for completeness
- ReportingRegulatory reports assembled
Every agent action approved by a named person
Written for
COOs and heads of operations, Chief compliance and risk officers and Heads of customer service
The question you came with
Why does onboarding still take days, and why do compliance reviews pile up?
Part of Enterprise AI Transformation
Where it starts in banking and payments. The first work handed to agents: onboarding and document agent, alert and review preparation and disputes and chargebacks. Each one drafts or flags, and a named person approves.
See the whole programmeWhat breaks in banking and payments
If two of these are true, the rest of this page is about you.
KYC and AML alerts pile up.
What it costsBacklogs, regulator attention and analysts drowning in false positives.
What changesAlerts enriched and summarised with evidence, so analysts decide faster and every decision is logged.
Agentic OS · AgentsDisputes and chargebacks are assembled by hand.
What it costsMissed deadlines and lost recoveries.
What changesCase files assembled from transactions and messages, with responses drafted before the deadline.
Agentic OS · FlowRegulatory reports take weeks to compile.
What it costsSenior staff in spreadsheets every reporting cycle.
What changesReports assembled from governed data, with evidence and approvals recorded.
Agentic OS · PulseYour role
What changes for each of the people who sign off.
COOs and heads of operations
Faster onboarding and lower cost per case.
- Time to onboard by product
- Cases handled per analyst
Chief compliance and risk officers
Reviews that are faster and easier to defend.
- Evidence attached to every decision
- A full audit trail for regulators
Heads of customer service
Answers in seconds, from approved policy.
- Common queries resolved by agents
- Handoff with full context
What we build for banking and payments
The capability on the left, what your team would notice on the right.
- Onboarding
Onboarding and document agent
Applications and documents checked as they arrive, missing items requested, and the case pre-filled for an analyst.
- KYC and AML
Alert and review preparation
Screening and monitoring alerts enriched with evidence and summarised for the analyst who decides.
- Disputes
Disputes and chargebacks
Case files assembled from transactions and messages, with responses drafted before scheme deadlines.
- Service
Customer service agents
Balance, card, payment and policy questions answered across chat, voice and messaging, with handoff to people.
- Credit
Credit file checks
Loan files checked for completeness and policy exceptions before underwriting.
- Reporting
Regulatory reporting
Reports assembled from governed data with evidence, approvals and lineage recorded.
Enterprise AI in banking and payments, beyond sales
The same programme runs in operations, finance and service. These are the first workflows we usually see handed to agents. Each one drafts, checks or flags; a named person decides.
- Operations
Onboarding cases checked and pre-filled; payment exceptions triaged with context.
- Compliance
KYC and AML alerts enriched and summarised; every decision logged with its evidence.
- Service
Customer queries answered from approved policy, with handoff to a named person.
- Finance
Reconciliations and regulatory reports assembled from governed data.
- Legal and audit
Contracts and complaints reviewed against policy; audit evidence collected as work happens.
Where we start
Small, fixed and useful on its own. You decide after each step.
- Weeks 1 to 3
AI Transformation Review
Operations, systems and data reviewed, and the first workflows ranked by value: usually onboarding, alert preparation or service queries.
- First pilot
One workflow in production
The highest-value workflow live with a baseline, a named approver and an audit trail.
- Then
Disputes and reporting
Disputes, chargebacks and regulatory reporting, on infrastructure your risk team approves.
Questions
Will agents make credit or compliance decisions?
No. They prepare cases and draft recommendations. Analysts and officers decide, and every decision is logged with its evidence.
Can this meet our regulators' expectations?
We design for model risk management, audit trails, explainability and data residency from the start, and work with your risk and compliance teams throughout.
Does our data leave our environment?
No. Agents run in your cloud or data centre, with private models where public AI services are not allowed.
Where do we start?
With the AI Transformation Review. It names the first workflow worth handing to an agent, and what has to be fixed first.
Where to start
Fixed-scope offers that fit this industry. Each has a set timeline and a deliverable you keep.
Offer · Assess
AI Governance and ISO 42001 Readiness
A signed AI policy, an agent inventory with risk tiers, and a plan to ISO/IEC 42001 readiness
Offer · Pilot
Private and Sovereign AI Setup
AI that runs in your region, on infrastructure you control, behind one governed gateway
Offer · Pilot
Service Resolution Agent
An agent that resolves common requests end to end in your CRM, and hands the rest to people with context
Keep going
The services, tools and rules that matter most in banking, fintech and payments.
Services for banking, fintech
AI transformation for the agentic engine era
Start with a fixed-fee AI transformation review. We map your systems, data and teams against the six layers of Pegasus Agentic OS and name the first workflows to hand to agents. You keep the findings whether or not you work with us.