Ready to Explore Banking-Ready AI?
Book a 15-minute discovery call to see how SmartBots AI can transform your institution
- Banking-Ready AI Solutions
Generative AI solutions for banking use cases.
Banking-ready AI that works from day one.
SmartBots AI builds secure, compliant AI agents that empower banks and credit unions to increase operational efficiency and deliver faster service, smarter decisions, and happier customers and members.
Application Agents
Specialized AI agents for banks, credit unions, and fintechs
Orchestration Agents
Coordinate complex processes across legacy systems, CRMs, and core banking platforms—ensuring seamless data flow and end-to-end automation without manual intervention.
Engagement Agents
Deliver personalized, contextual conversations across voice and digital channels, improving customer and member experiences while reducing service wait times.
Transactional Agents
Execute secure, real-time transactions such as payments, transfers, claims updates, and account modifications with full auditability and compliance.
Decision-Making Agents
Analyze multi-source data to generate automated recommendations or approvals—for credit decisions, fraud checks, underwriting, and risk analysis.
Operational Efficiency Agents
Automate high-volume back-office processes like reconciliations, reporting, KYC/AML workflows, and document processing—reducing cost and cycle time.
AI Assistants
Provide always-on support for employees with quick access to institutional knowledge, SOPs, and data—boosting productivity and accuracy.
Use Cases for Fintech
Real-world applications of AI agents in banking
Reconciliation
Matches data across systems, formats, and documents to identify breaks, resolve discrepancies, and maintain audit-ready accuracy.
Customer Experience
Provides consistent, personalized support across voice, chat, web, and apps—handling queries, resolving issues, and escalating intelligently through omnichannel engagement.
Financial Close
Automates period-end closing activities—data aggregation, validations, journal entry preparation, and reporting—cutting close cycles from weeks to days.
Payments
Automates routing, validation, and settlement of payments across channels and rails—reducing failures, retries, and operational costs.
Underwriting
Evaluates risk using internal and external data to generate smart eligibility decisions, automate documentation checks, and speed up approvals.
Variance Analysis
Analyzes financial variances across budgets, forecasts, and actuals—surfacing drivers and insights for faster, data-backed decisions.
Security & Integrations
Enterprise-grade security with seamless connectivity
Security
Role-Based Access & SSO Integration
Controlled access to sensitive data with granular permissioning across teams, systems, and workflows. Enable secure, seamless authentication using enterprise identity providers like Okta, Azure AD, or Ping.
Industry Compliances
Certified for SOC 2 Type II, ISO 27001, PCI DSS, and GDPR compliance. Built to meet the strictest regulatory standards in banking and financial services.
Data Masking & Guardrails
Protect against hallucinations, sensitive data leakage, and policy violations with real-time validation and safety controls. Enterprise-grade encryption for data at rest and in transit.
Traceability & Oversight
Tamper-proof audit trails for complete accountability. Full request-response traceability for every AI interaction. Real-time monitoring dashboards for proactive governance and compliance.
Integrations
Core Banking Integrations
Connect agents with existing core systems to enable real-time account data access, transactions, and operations.
Enterprise Systems
Integrate with CRMs, ERPs, LOS/LMS, risk systems, and document repositories for unified automation and decisioning.
Multiple Cloud Platforms
Deploy flexibly across AWS, Azure, GCP, or hybrid environments with full security and scalability.
Front-End Integrations
Embed AI agents seamlessly into apps, portals, IVR, websites, and digital channels for smooth customer and employee experiences.
Why SmartBots
Built for banks and credit unions who demand security, compliance, and results
SmartBots AI is architected specifically for highly regulated financial institutions. Every layer—from data handling to agent orchestration—is designed with banking security, compliance, and audit requirements at its core. SOC 2 Type II certified with zero data leakage architecture, full audit trails, and enterprise-grade governance controls that meet the strictest industry standards.
Seamless connectivity with your existing technology stack through native connectors and API-first architecture. Pre-built integrations for major core banking platforms including FIS, Fiserv, Jack Henry, Temenos, CSI, and Symitar. Works alongside your CRM (Salesforce, Microsoft Dynamics), ERP systems, loan origination systems, and document management platforms. No rip-and-replace—SmartBots AI augments your current infrastructure.
Accelerate deployment with our library of pre-configured agent templates and workflows designed specifically for banking operations. Each component is production-ready yet fully customizable to match your institution's unique processes, policies, and brand voice. From reconciliation workflows to compliance screening logic—start fast and tailor as needed without starting from scratch.
Continuous monitoring, optimization, and management of your AI agents through our comprehensive maintenance framework. Real-time performance dashboards track accuracy, latency, and business outcomes. Automated model retraining and version control ensure agents stay current with regulatory changes and evolving business needs. Dedicated support team provides proactive optimization recommendations and handles updates seamlessly.
SmartBots brings learnings from Pharma (compliance precision), Insurance (risk logic & auditability), and Telecom (high-volume customer workflows) to BFSI. This cross-vertical intelligence helps us design AI agents for banking and credit unions that are secure, compliant, and optimized for credit decisioning and member experience. The result? Faster deployments, smarter risk reasoning, and workflows built for regulation.
Our proven rapid deployment methodology gets you from concept to production in weeks, not months. Structured implementation process includes discovery workshops, system integration, agent configuration, user training, and go-live support. Start with a focused use case, prove value quickly, then scale across the enterprise. Typical pilot implementations show measurable ROI within the first month through efficiency gains and error reduction.
Meet the Team Behind Banking-Ready AI
SmartBots AI is built by a team that understands banking from the inside out — blending decades of financial expertise with the latest in AI innovation.
Jaya Prakash Kommu
CTO & Co-Founder, Head of AI & Data
Leads SmartBots AI architecture & core integrations, ensuring security, accuracy, & transparency at scale.
Sandilya V
US GTM Head
Experienced in scaling fintech partnerships and ensuring AI deployments stay compliant and ROI-positive.
Bryan Clagett
Strategic Advisor, Banking Growth & Brand
Veteran banking strategist and fintech advisor helping institutions align AI strategy with business growth.
Sunny Raju
Sales
Former banking technologist with 20+ years in digital transformation and financial data systems.Ready to Explore Banking-Ready AI?
Book a 15-minute discovery call to see how SmartBots AI can transform your institution
Videos
Making the Most of AI in BFSI (Episode 1)
Making the Most of AI in BFSI (Episode 2)
SmartBots Reconciliation Agent
SmartBots Underwriting Assistant
SmartBots Insurance Benefits Assistant
SmartBots Forecasting Agent
SmartBots Agile Framework Assistant
SmartBots Data AI Agent
SmartBots Business Credit (Voice) Assistant
Why you need a Reconciliation Agent
Why you need an Underwriting Agent
What makes a successful production-grade system
What Credit Unions are Buying
The Data Goldmine for Finance Teams
Videos
Making the Most of AI in BFSI (Episode 1)
Making the Most of AI in BFSI (Episode 2)
SmartBots Reconciliation Agent
SmartBots Underwriting Assistant
SmartBots Insurance Benefits Assistant
SmartBots Forecasting Agent
SmartBots Agile Framework Assistant
SmartBots Data AI Agent
SmartBots Business Credit (Voice) Assistant
Why you need a Reconciliation Agent
Why you need an Underwriting Agent
What makes a successful production-grade system
What Credit Unions are Buying
The Data Goldmine for Finance Teams
Publications
- Banking-Ready AI Solutions
Generative AI solutions for banking use cases.
Banking-ready AI that works from day one.
SmartBots AI builds secure, compliant AI agents that empower banks and credit unions to increase operational efficiency and deliver faster service, smarter decisions, and happier customers and members.
Application Agents
Specialized AI agents for banks, credit unions, and fintechs
Orchestration Agents
Coordinate complex processes across legacy systems, CRMs, and core banking platforms—ensuring seamless data flow and end-to-end automation without manual intervention.
Engagement Agents
Deliver personalized, contextual conversations across voice and digital channels, improving customer and member experiences while reducing service wait times.
Transactional Agents
Execute secure, real-time transactions such as payments, transfers, claims updates, and account modifications with full auditability and compliance.
Decision-Making Agents
Analyze multi-source data to generate automated recommendations or approvals—for credit decisions, fraud checks, underwriting, and risk analysis.
Operational Efficiency Agents
Automate high-volume back-office processes like reconciliations, reporting, KYC/AML workflows, and document processing—reducing cost and cycle time.
AI Assistants
Provide always-on support for employees with quick access to institutional knowledge, SOPs, and data—boosting productivity and accuracy.
Use Cases for Fintech
Real-world applications of AI agents in banking
Reconciliation
Matches data across systems, formats, and documents to identify breaks, resolve discrepancies, and maintain audit-ready accuracy.
Customer Experience
Provides consistent, personalized support across voice, chat, web, and apps—handling queries, resolving issues, and escalating intelligently through omnichannel engagement.
Financial Close
Automates period-end closing activities—data aggregation, validations, journal entry preparation, and reporting—cutting close cycles from weeks to days.
Payments
Automates routing, validation, and settlement of payments across channels and rails—reducing failures, retries, and operational costs.
Underwriting
Evaluates risk using internal and external data to generate smart eligibility decisions, automate documentation checks, and speed up approvals.
Variance Analysis
Analyzes financial variances across budgets, forecasts, and actuals—surfacing drivers and insights for faster, data-backed decisions.
Why SmartBots
Built for banks and credit unions who demand security, compliance, and results
SmartBots AI is architected specifically for highly regulated financial institutions. Every layer—from data handling to agent orchestration—is designed with banking security, compliance, and audit requirements at its core. SOC 2 Type II certified with zero data leakage architecture, full audit trails, and enterprise-grade governance controls that meet the strictest industry standards.
Seamless connectivity with your existing technology stack through native connectors and API-first architecture. Pre-built integrations for major core banking platforms including FIS, Fiserv, Jack Henry, Temenos, CSI, and Symitar. Works alongside your CRM (Salesforce, Microsoft Dynamics), ERP systems, loan origination systems, and document management platforms. No rip-and-replace—SmartBots AI augments your current infrastructure.
Accelerate deployment with our library of pre-configured agent templates and workflows designed specifically for banking operations. Each component is production-ready yet fully customizable to match your institution's unique processes, policies, and brand voice. From reconciliation workflows to compliance screening logic—start fast and tailor as needed without starting from scratch.
Continuous monitoring, optimization, and management of your AI agents through our comprehensive maintenance framework. Real-time performance dashboards track accuracy, latency, and business outcomes. Automated model retraining and version control ensure agents stay current with regulatory changes and evolving business needs. Dedicated support team provides proactive optimization recommendations and handles updates seamlessly.
SmartBots brings learnings from Pharma (compliance precision), Insurance (risk logic & auditability), and Telecom (high-volume customer workflows) to BFSI. This cross-vertical intelligence helps us design AI agents for banking and credit unions that are secure, compliant, and optimized for credit decisioning and member experience. The result? Faster deployments, smarter risk reasoning, and workflows built for regulation.
Our proven rapid deployment methodology gets you from concept to production in weeks, not months. Structured implementation process includes discovery workshops, system integration, agent configuration, user training, and go-live support. Start with a focused use case, prove value quickly, then scale across the enterprise. Typical pilot implementations show measurable ROI within the first month through efficiency gains and error reduction.
Security & Integrations
Enterprise-grade security with seamless connectivity
Security
Role-Based Access & SSO Integration
Controlled access to sensitive data with granular permissioning across teams, systems, and workflows. Enable secure, seamless authentication using enterprise identity providers like Okta, Azure AD, or Ping.
Industry Compliances
Certified for SOC 2 Type II, ISO 27001, PCI DSS, and GDPR compliance. Built to meet the strictest regulatory standards in banking and financial services.
Data Masking & Guardrails
Protect against hallucinations, sensitive data leakage, and policy violations with real-time validation and safety controls. Enterprise-grade encryption for data at rest and in transit.
Traceability & Oversight
Tamper-proof audit trails for complete accountability. Full request-response traceability for every AI interaction. Real-time monitoring dashboards for proactive governance and compliance.
Integrations
Core Banking Integrations
Connect agents with existing core systems to enable real-time account data access, transactions, and operations.
Enterprise Systems
Integrate with CRMs, ERPs, LOS/LMS, risk systems, and document repositories for unified automation and decisioning.
Multiple Cloud Platforms
Deploy flexibly across AWS, Azure, GCP, or hybrid environments with full security and scalability.
Front-End Integrations
Embed AI agents seamlessly into apps, portals, IVR, websites, and digital channels for smooth customer and employee experiences.
Resources
Videos
Making the Most of AI in BFSI (Episode 1)
Making the Most of AI in BFSI (Episode 2)
SmartBots Reconciliation Agent
SmartBots Underwriting Assistant
SmartBots Insurance Benefits Assistant
SmartBots Forecasting Agent
SmartBots Agile Framework Assistant
SmartBots Data AI Agent
SmartBots Business Credit (Voice) Assistant
Why you need a Reconciliation Agent
Why you need an Underwriting Agent
What makes a successful production-grade system
What Credit Unions are Buying
The Data Goldmine for Finance Teams
Publications
Meet the Team Behind Banking-Ready AI
SmartBots AI is built by a team that understands banking from the inside out — blending decades of financial expertise with the latest in AI innovation.
Jaya Prakash Kommu
CTO & Co-Founder, Head of AI & Data
Leads SmartBots AI architecture & core integrations, ensuring security, accuracy, & transparency at scale.Sandilya V
US GTM Head
Experienced in scaling fintech partnerships and ensuring AI deployments stay compliant and ROI-positive.Bryan Clagett
Strategic Advisor, Banking Growth & Brand
Veteran banking strategist and fintech advisor helping institutions align AI strategy with business growth.Sunny Raju
Sales
Former banking technologist with 20+ years in digital transformation and financial data systems.Ready to Explore Banking-Ready AI?
Book a 15-minute discovery call to see how SmartBots AI can transform your institution