Every entry is dated and traced to a named source: 358 deployments, 49 regulations, 29 pieces of evidence of adoption and 13 pieces of evidence of impact.
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Banks and insurers use AI to answer customers, catch fraud, settle claims and assess credit, and regulators are setting rules for it. Here are the main applications, each with the newest example on our record.
Mogo Kenya's AI voice agent resolves up to 80% of calls it takes · Kenya · 26 Oct 2026
NatWest's AI fraud triage agent handles nearly 19,000 customer conversations · United Kingdom · 25 Sep 2026
PureHealth turns 60 million Daman documents over to AI · United Arab Emirates · 18 Sep 2026
PolicyMe gives its life insurance underwriters an in-house AI copilot · Canada · 28 Oct 2026
HKMA launches ART framework for responsible AI adoption in banking · Hong Kong · 15 Oct 2026
BTG Pactual — BTG Pactual launched Trader AI, an AI trading assistant in Brazil that takes plain-language commands through the bank's dealing systems. Users pull live prices and BTG Research notes, or send single and block structured orders on B3, US-listed securities, crypto-assets and prediction-market contracts. Desk head Jerson Zanlorenzi says users still decide and confirm each ticket on this trading copilot.
PolicyMe — PolicyMe has cut turnaround time on reviewed life insurance cases by 59%, its internal data show, using an AI underwriting copilot the Toronto distributor built for its underwriters. The assistant collects medical records, lab results and supporting files into one workspace, writes structured summaries, recommends evidence-backed decisions and drafts explanations for declined, postponed or rated applicants.
Mogo Kenya — Mogo Kenya's AI customer service tool, an English and Swahili voice agent, settles up to 80% of handled calls without staff at this Eleving Group motorcycle and smartphone lender. Human-queue traffic dropped from 70,000–80,000 to below 60,000 while 100,000 extra borrowers joined. Roughly 1,000 people daily fetch handset-unlock PINs through an automated phone menu; Mogo states its models never learn from customer data.
Liberty Mutual — Liberty Mutual staff have assembled more than 30,000 custom AI assistants on LibertyGPT, the insurer's internal multimodel interface, EVP and global CIO Monica Caldas told an Evident AI Symposium panel in New York. Caldas set LibertyGPT up to spread AI fluency: workers choose among models and create helpers for everyday operations. A forward-deployed engineering squad brings FinOps cost tooling and coaches colleagues on suitable models.
Morgan Stanley — Morgan Stanley is putting AI in wealth management beside client service associates: a service assist agent fetches data and completes money movement, account opening and beneficiary updates, wealth technology CIO Hina Shamsi said. A client assist agent fields plain-language queries and an adviser assist agent supports daily tasks, Shamsi added, all bounded by permissions and human supervision.
Barclays — Barclays is shedding about 5,000 posts, 5% of staff, in AI job cuts in banking pairing a simpler structure with efficiency gains. Support roles, software developers included, carry some 60% of the lost bank headcount.
Umweltbank — Umweltbank, based in Nuremberg, has put AI call routing from Swiss vendor Spitch on its customer service lines, so each of around 400 daily callers is sorted among more than 40 customer concerns and passed to the right team. Spitch puts recognition at 90 per cent or better. The bank reports easier reachability and no rise in abandoned calls, and says the voice recognition supports staff.
Canada Life — Canada Life's CaLi, an AI assistant for insurance advisors, now shows live status on pending individual applications, from receipt to an offer, and names the coordinator on each file. Launched for workplace plan members in 2025, CaLi has handled more than 170,000 client chats and 16,000 with advisors, who previously phoned or emailed back-office staff for application tracking.
Financial Planning Standards Board — Nine in 10 Canadian planners in the Financial Planning Standards Board's 2026 Impact of AI on Financial Planning report say their firms use AI or will within 12 months. Oversight of AI in financial planning lags: 37% have a comprehensive policy, against 23% worldwide; 26% have broad rules and 16% none. On quality, 71% expect AI-assisted planning to improve advice, up from 67% in 2025.
Japan Exchange Group — Japan Exchange Group (JPX) leans on Hitachi's JP1 Cloud Service assistant to guide operators supervising over 40 trading platforms, bringing AI in stock exchange operations live. On each alarm, the software proposes which playbook to follow, replacing veterans' instinct. Trials on about 1,600 scenarios showed this market-monitoring AI choosing correctly more than 97% of the time.
First Abu Dhabi Bank Misr (FABMISR) — First Abu Dhabi Bank Misr runs IBM watsonx on local servers for enterprise AI in banking. Bank teams build bespoke models and agents with watsonx.ai, while watsonx Orchestrate unlocks internal knowledge and automates workflows. Targets for the on-premises AI agents include financial analysis, GPU capacity and explainable AI for compliance.
Industrial and Commercial Bank of China — Industrial and Commercial Bank of China (ICBC) operates hundreds of AI models in banking across business lines, president Liu Jun told the 2026 Bund Summit. Data-rich units grant the systems wider latitude, client-facing teams keep humans deciding, and high-stakes pricing involves staff from day one of the bank-wide AI deployment.
Hong Kong Monetary Authority — The Hong Kong Monetary Authority (HKMA) has handed lenders the ART Framework for AI adoption in banking, built on accountability, resilience and trust. Matching Supervisory Guidance for Responsible Adoption of Artificial Intelligence draws on the Generative AI Sandbox's second cohort. Banks deploying AI tools now answer to those three pillars.
Credicorp (BCP) — Credicorp, owner of BCP, has more than 100 AI use cases live and over 400 in the pipeline, while more than 90% of employees work with AI tools, group AI head Rafael Lémor reports. Banking automation now covers 45% to 60% of customer-service processes at subsidiaries. Digital bank iO serves upwards of 100,000 users conversationally, and Mibanco's WhatsApp channel has over 25,700 monthly active users.
Manulife — Manulife has rolled out the Manulife Advisor AI Assistant, an AI underwriting tool inside its Advisor Portal where Canadian advisors get plain answers sourced from underwriting advisor handbooks. Version one spans life, critical illness and Synergy cover, helping prep client meetings before submission. Replies never bind on insurability or premiums; standard Manulife underwriting still rules on every case.
Itaú Unibanco — Itaú Unibanco and GFT Technologies say AI agents cut up to 70% off the time to move the bank's batch closings, settlements and reconciliations from mainframe to cloud in Brazil, with delivery up to 3.3 times faster in the first phase. Engineers run this AI-assisted legacy modernisation on Batch2Cloud, co-built within the Wynxx generative AI platform, under a cloud plan begun in 2018.
Manulife — Manulife has switched on an in-house enterprise AI platform giving teams one place to create, launch and oversee applications; anything cleared on security and governance in one market can be redeployed in others without restarting sign-off. Early tools include a Singapore sales assistant, shared document processing and Quick Quote, which accelerates preliminary life insurance assessment in the US. The insurer tallies US$300 million of AI value by end-2025 and targets US$1 billion cumulatively by 2027.
Financial Supervisory Commission — The Financial Supervisory Commission (FSC) has put agentic AI security at financial institutions out to 30-day consultation, a fresh piece of Taiwan AI regulation. The draft ranks agents on four illustrative risk levels, L1 to L4, by data sensitivity, impact and capability, per use case, with basic and advanced controls. Most agents are still trials; this oversight of AI agents in finance supplements existing rules and internal controls, with no guideline timetable.
Mashreq — UAE lender Mashreq reports up to 60-70% less time on integration design and troubleshooting in an early IBM Bob trial with IBM and GBM. The AI integration engineering test spans all of software delivery, shrinking two to three hours of manual chores to minutes. Handling 650 transactions per second on average, the bank may host this agentic coding support on-premises for mission-critical systems. Neither firm's figures are independently checked.
Capitalia — Capitalia, a Peruvian lender to micro and small firms with over S/ 100 million in trust assets, has launched SOFIA, an in-house AI credit assessment system covering origination, legal and risk review, fiduciary structuring, disbursement and monitoring. The company claims SOFIA writes an investment memo in ten minutes instead of weeks, but a human committee decides. Loans rest on real estate in a CORFID-run trust under SBS oversight; CEO Alonso Bringas says the lending AI sharpens judgement without replacing it.
Bank of Ghana — The Bank of Ghana is preparing a directive on artificial intelligence in banking and finance, Governor Johnson Pandit Asiama told the 43rd Annual General Meeting of the Ghana Association of Banks in Accra. As Ghana AI regulation, the rules would allow supervised trials under lifecycle oversight and target consumer protection, cybersecurity, model risk and data quality. No draft timetable exists.
State Bank of Vietnam — The State Bank of Vietnam's Governor signed Circular 53/2026/TT-NHNN on 30 September 2026, binding Vietnam AI regulation on safety, risk control and rollout conditions for AI across banking. Machine credit decisions on loans of 50 million dong or more rank as high-risk, and authority and responsibility stay with people. Payment intermediaries, credit information companies, foreign bank branches, mobile-money providers and credit institutions fall under the banking AI rules from 15 November 2026.
Actuarial Society of South Africa — The Actuarial Society of South Africa now treats artificial intelligence as a standalone practice area, ASSA President Nalen Naidoo told its annual convention in Cape Town on 8 October 2026, a shift in AI for actuaries. An AI Practice Area Committee under Ronald Richman, formed in March 2026, maps AI use across pricing, reserving, valuation, risk, capital and financial advice. Data analytics and actuarial AI skills are also entering the qualification pathway.
Monetary Authority of Singapore — The Monetary Authority of Singapore (MAS) has issued final Guidelines on Artificial Intelligence Risk Management for Financial Institutions for every financial institution and all AI, the core framework for AI governance in finance. Firms should weigh each AI use's risks against their risk profile, with this financial-sector AI oversight applying from 7 October 2027.
Banco do Brasil — Banco do Brasil credits about 2,300 AI agents in banking with a 12-month efficiency gain equal to 20,000 employees' output. Chief executive Tarciana Medeiros cited the banking AI estimate at the 27th Congress of the Brazilian Institute of Corporate Governance (IBGC) in São Paulo on 7 October; freed hours go to customers. No independent evaluation exists.
DNB — DNB will shed 400 full-time posts across its technology and services division because AI in banking now performs work people once did by hand. Executives report substantial gains already, with the job cuts finished by year end through automation of routine processes.
Evident — RBC held third place for a fourth straight year and TD rose three places to 10th in Evident's AI Index, which grades bank AI maturity across 50 lenders in North America, Europe and Asia. JPMorganChase and Capital One stay ahead of RBC. BMO fell to 20th, CIBC rose to 21st and Scotiabank slipped to 30th.
Türkiye Kalkınma ve Yatırım Bankası (TKYB) — Türkiye Kalkınma ve Yatırım Bankası (TKYB) has opened an AI banking channel inside ChatGPT via an MCP-based link, aimed at letting customers query products in plain language and reach a set list of services there. TKYB counts itself among the country's first lenders to adopt such conversational banking.
Woori Asset Management — Woori Asset Management rolled out WISH (Woori Investment & Strategy Hub), giving every employee AI agents in asset management over one consolidated data store. Equity, fixed-income, alternatives and compliance teams pose plain-language questions, getting AI analysis for fund teams that speeds reporting and control checks.
Nextens — Nextens found 51.5% of more than 800 financial decision-makers at Dutch firms query ChatGPT, Copilot or Perplexity on tax and financial matters, outpacing the Belastingdienst at 46.5%. AI in corporate finance is now habitual, with 79.1% weekly users. Trust lags: 37.7% hold back on AI for tax research over low confidence, and roughly six in ten double-check elsewhere.
Biess (Banco del Instituto Ecuatoriano de Seguridad Social) — ABI, a generative AI virtual agent for loan enquiries, answers Biess members on mortgage, pawn and unsecured loans and other products in a renewed call centre. Biess is the social security bank; calls pass to human staff as needed.
Barclays — Barclays is extending Anthropic's Claude bank-wide, a step for AI coding in banking. Targets: 50% of developers on Claude Code by end-2026, most software engineers in 2027, widening AI-assisted software engineering. Over 16,000 colleagues already consult a Claude knowledge assistant; Global Markets sorts roughly 120,000 client emails daily.
XPT Specialty — XPT Specialty, a US wholesale insurance broker, runs AI underwriting, binding and brokerage tools for retail agencies' small and mid-sized business accounts. Underwriting compares data and suggests a price, binding sends a risk to up to 20 markets at once, and brokerage analyses risk and finds markets. Specialists vet each risk behind this AI-assisted underwriting and own final placement; comparative rating began in the second quarter of 2026.
DOM.RF Bank — DOM.RF Bank cut staff effort roughly a third using AI agents in banking to vet escrow-based individual housing construction contracts and track project-finance spending. Agents also support IT development, analytics and paperwork, and AI contract review ended waits for loan tranches.
Millennium Management — Millennium Management has deployed about 1,600 AI agents for hedge fund staff, dubbed "digital twins", and is widening access to more than 7,000 employees, investment professionals included. Each twin holds a separate identity, email address, permission set and audit trail, covering research, meeting preparation and inbox triage at the $97bn firm. Of more than 150 pilot users, 97% engaged daily; new joiners get these personal AI assistants automatically.
Australian Securities and Investments Commission — The Australian Securities and Investments Commission (ASIC) will examine AI in banking wherever lenders face customers, covering live and planned tools. The review appears among ASIC's 2026–27 supervisory priorities for banks. Scrutiny of bank AI will be coordinated with APRA, whose separate work targets AI-related risks.
Aviva — Aviva has brought AI underwriting summaries to individual income protection, finishing coverage of its individual protection range. Generative AI distils medical reports into the essentials underwriters check, a medical-evidence AI first used for life insurance in November 2025 and critical illness in March 2026.
Yucho Bank — Yucho Bank (Japan Post Bank) gives its corporate sales division UPWARD, an AI agent producing AI sales meeting summaries through voice analysis of in-person visits. UPWARD spots visits via smartphone location and files uniform call reports in the CRM system. Yucho Bank credits the AI-generated notes with lighter admin, better proposals.
HSBC — HSBC unveiled HSBCnio at Sibos 2026, adding AI in corporate banking for institutional and corporate clients. Client-side AI assistants reach authorised transaction and account information via HSBC's Model Context Protocol.
Techcom Securities (TCBS) — TCBS, a Vietnamese securities firm, adopted agentic AI coding through AWS's Kiro, used by more than 460 staff. All engineers use Kiro, plus non-technical staff.
Bank of America — Bank of America is phasing in the AskGPS Intelligence Hub, AI tools for treasury staff in Global Payments Solutions that pull together client, account and relationship data. Planned features include automated treasury management reviews, visual account schematics and alerts on shifting client needs, with bankers keeping every decision. AskGPS, introduced in 2025, serves nearly 3,000 employees.
BankIslami — BankIslami in Pakistan has launched TezRaftar, a Consumer Finance Origination System bringing AI consumer finance underwriting to the bank's full consumer portfolio on one digital workflow. One underwriting framework spans all branches, and the Karachi-based lender says manual review and waiting time fall through automated credit origination.
BankIslami Pakistan — BankIslami has switched on TezRaftar, a home-built platform bringing AI credit underwriting to consumer loan origination. Car, housing, personal and state-scheme lending now share one digital process and branch-wide rules, an automated loan assessment trimming manual checks and delays.
NatWest Group — UK lender NatWest Group's Fraud Triage Agent, built into Cora, has fielded nearly 19,000 conversations, steering people who flag a suspect credit card payment to the correct fraud, scam or dispute team. Such AI fraud triage spares customers categorising problems alone. Royal Bank of Scotland is piloting Spending Insights, generative audio-visual banking AI for voice or text money chats.
Institute of Banking and Finance (IBF) — Singapore's Institute of Banking and Finance has launched the IBF AI Workforce Co-Lab, where 23 pioneer banks, insurers and asset managers pledge AI skills training for over 80,000 staff, every local employee, by 2028 via IBF-recognised courses. Over half are already done. Deputy Prime Minister Gan Kim Yong unveiled three tracks for leaders, wealth managers and operations teams, with 10 private banking employers set to upskill relationship managers.
Société Générale — Société Générale has bound itself to Anthropic in an agreement it bills a decisive move towards corporate AI in banking, promising sharper output and better customer treatment. Group-wide moves should yield savings of 500 million to 600 million euros by 2029, 350 million already pinned down. The lender set it out in a roadmap from Paris on 21 September 2026, its firmest word on enterprise AI adoption.
Pensions Awareness Ireland — Pensions Awareness Ireland has released Ali, billed as the country's first AI retirement coach, to mark Pensions Awareness Week 2026. Ali takes a saver's age, chosen finishing age, gross yearly pay and monthly payments, then returns a dashboard setting out projected income. Schooled on the Irish pensions rules, the tool replies from that dashboard and shows whether a pot will fund the later life wanted — AI pension planning without an appointment.
PureHealth — PureHealth has put AI in health insurance to work at The National Insurance Company, Daman, aiming it at 60 million documents a year and cover for 3 million people in the UAE. Better than 80 per cent of that paperwork should land as structured digital records, trimming turnaround from days to minutes. The artificial intelligence document processing chain should also cut manual rework by over 50 per cent, freeing Daman staff for fraud checks, clinical oversight and member support.
Mosaic Insurance — Mosaic Insurance has switched on Halo, AI underwriting for SMEs quoting, binding and issuing eligible policies in minutes. Submissions arrive auto-structured and enriched; tricky risks go to a human underwriter. North American wholesale brokers get this automated small-business underwriting first, starting with SME cyber.
National Bank of the Kyrgyz Republic — Kyrgyzstan's central bank charted a five-year path for AI banking supervision: the National Bank's Board approved the Concept and Roadmap for the Development of SupTech Supervisory Technologies for 2026-2031. Oversight shifts toward machine learning and big data, covering automatic data checks, online licensing and anti-money laundering screening, under wider supervisory technology adoption.
Central Bank of Kenya — Central Bank of Kenya wants prior sign-off from any lender letting models settle loan decisions, extending Kenya AI regulation to the credit desk. Its own 2025 count put half of licensed institutions on AI, while one tier-one player pushes Sh1.5 billion daily through machine-learning mobile lending, squarely inside Kenyan AI oversight.
Mercado Pago — Mercado Pago, the digital account of Mercado Libre, has brought Mago to Chile — AI in personal banking that settles routine money chores by conversation: spending, transfers, bills, benefits. Speech, typing or a shared photo all serve as input, and nothing executes before the user confirms. Conversational finance totals over two million exchanges, near 224,000 monthly.
Western Financial Group — Insurance brokerage Western Financial Group has rebuilt its service operations on Quandri's AI. The companies credit the change with a 15% lift in personal-lines EBITDA and $2.5 million extra margin, a 2.3% retention gain worth $1.5 million in marginal revenue, and 14 full-time roles moved from admin to client relationships, across 180-plus branches and 300,000 personal-lines policies. No independent evaluation exists, and the release gives no measurement period.
Scotiabank — Artificial intelligence saved Scotiabank roughly 24,000 days' worth of work in about four and a half months, chief executive Scott Thomson has said, a headline for AI in Canadian banking. Bank of Montreal's Darryl White puts AI underwriting decisions in insurance at as little as 10 seconds. Royal Bank of Canada's investor day last year set a $700 million to $1 billion enterprise-value target by 2027. These bank AI productivity claims land as analysts weigh job impact.
Mosaic Insurance — Mosaic Insurance has stood up an in-house AI Lab, pairing four engineers with business teams so AI in underwriting stops stalling at pilot stage and reaches daily work. Capability ships across claims, finance and operations, engineers sitting beside colleagues to spot problems and push fixes live. Machine-assisted risk assessment shapes how the insurer reserves and decides, by its own account.
Prudential Hong Kong — Prudential Hong Kong has given every financial consultant AI Underwriter, built with Alibaba Cloud, cutting preliminary AI insurance underwriting checks from several days to minutes. Prudential reports accuracy above 95% and hallucination rates under 2%. Human underwriters keep the final decision; the automated triage supports rather than replaces them.
HSBC Malaysia — HSBC Malaysia gave relationship managers Wealth Intelligence, generative AI for wealth management condensing Chief Investment Office views, market notes and unit trust fund analysis. Linda Yip, who leads international wealth and premier banking, said the adviser copilot adds speed; trust stays human.
Prudential Hong Kong — Prudential Hong Kong's AI Underwriter, built with Alibaba Cloud, is now fully live, bringing AI insurance underwriting to financial consultants at the point of sale. A chatbot returns initial guidance in minutes, not days, using customers' financial, medical, occupational and residential details. Human underwriters keep final say on automated underwriting advice.
Centro México Digital (CMD) — Centro México Digital (CMD) puts AI in financial services at 8.4% of Mexico's finance and insurance firms with ten or more staff, just above the 8% all-sector average. Built on INEGI's 2024 Economic Census, 'México Inteligente' shows uptake of AI in finance ranging from 31.1% at commercial banks and 27% at insurers and surety firms to 3.9% at retirement-fund administrators.
Magyar Nemzeti Bank — Over 170 AI banking use cases now sit in Hungary's banking sector: operations, customer relationships, sales. Izer Norbert, who runs financial markets and digitalisation at the Magyar Nemzeti Bank, told the AI Summit 90 percent of domestic lenders use artificial intelligence already or mean to within twelve months. Eight big lenders each carry five or more active AI projects.
Nationwide Building Society — Microsoft 365 Copilot now serves 1,000 finance staff at Nationwide Building Society, alongside 2,500 engineers on GitHub Copilot, under an organisation-wide rollout. 15 million customer records have also moved onto one cloud data platform, advancing AI in financial services and a broader banking AI transformation.
KIWI Finance — KIWI Finance has handed roughly 400 loan intermediaries agentic AI in lending, running FlowX.AI tools inside a sealed environment. One conversational agent halves onboarding for newcomers; an eligibility module doubles response speed for customers. Romania's biggest credit brokerage thus joins State Street, Banca Transilvania, OTP Group and UniCredit as a FlowX.AI production user of AI-assisted brokerage.
Korea Life Insurance Association — The Korea Life Insurance Association has introduced AI complaint handling alongside AI review of advertising and internal regulations. Speech-to-text transcribes consumer–counsellor calls live, classifies each complaint type and gives counsellors supporting material mid-call. Three applications went live this month, and the association aims for 17 projects, including translation, contract review and legal review, during 2027.
UBS — Starting in 2027, UBS will reject graduate and intern applicants who cannot demonstrate AI skills in investment banking. Candidates must prove they can use AI tools to lift efficiency and results, a standard now placed next to the usual academic bar. UBS becomes one of the earliest banks to make artificial intelligence competency in banking a hiring gate rather than something learned on the job afterward.
MUFG Bank — Japan's Mitsubishi UFJ Bank deployed Omakase AI, a ZEALS multimodal AI agent platform, for AI customer service in banking, first fielding account opening campaign queries by natural voice or text. Hallucination detection and range control keep this bank customer support AI within financial institution security and accuracy standards.
M&T Bank — M&T Bank has given AI copilots to over 15,000 of its roughly 22,000 employees, extending Microsoft Copilot, GitLab code generation and an internal repository called Edison to software development, report drafting, call-centre analysis, identifying customer needs and flagging risk. Chief data officer Andrew Foster said AI call summaries save about six minutes each, and that the bank's data-lineage work on Solidatus and Monte Carlo predates generative AI. Employees must review all AI-assisted work.
United Overseas Bank — United Overseas Bank has put more than 300 AI and analytics use cases into production under an AI assurance framework that tests, validates and continuously monitors models across their lifecycle. It also runs 30-plus domain-specific chatbots and has given Microsoft Copilot to over 30,000 employees. Alvin Eng, UOB's head of enterprise AI, says scaling AI safely hinges on operating discipline, governance and controls more than on having the strongest individual models.
Agrobank — Agrobank now uses AI and data analytics in lending, internal controls and credit risk assessment. Internal auditor Shahob Eddin Masharipov says AI credit scoring on big data, drawn from tax reporting, telecom data and transaction activity, rates retail and small-business borrowers. Automated data checks cut microloan decisions to a few minutes with no credit officer involved, the bank says.
Woori Bank — Woori Bank has hired KT to rebuild its chatbot and advisory bot as AI agents in banking, linked to its 'AI Banker' financial consultation service through KT's Agent Connector so customer context follows across channels. KT has started development, aiming at sharper intent recognition and AI in outbound calls and branch consultations.
Grupo Aval — Grupo Aval has moved over 36 AI agents in banking into production in 18 months via ADL Digital Lab and its RE initiative, handling digital-channel data management and conversion for over three million Colombians. Technology vice-president Ernesto Gutiérrez gave the figures; Lulo Bank described AI spanning decision-making, risk management, operational efficiency and customer interaction.
Discovery Bank — Discovery Bank now handles over half of client interactions through its in-app AI banking channel, which works in natural language, chief executive Hylton Kallner told an African business AI summit. He said the in-app assistant was delivering the bank's highest customer-satisfaction scores yet.
IndiaFirst Life — IndiaFirst Life has chosen Salesforce Agentforce to place AI agents in insurance work across claims processing, customer service and new-business underwriting. The agents review KYC and medical documents, sort and answer service cases and check claims paperwork.
Experian — Experian has launched a credit-cards app inside ChatGPT, taking its credit-card marketplace into conversational AI. Consumers can compare and find card offers without leaving their ChatGPT conversation.
Similarweb — Similarweb data shows AI-referred traffic to Latin American banks rising sharply between January and July 2026, from +128% in Mexico to +294% in Peru and Argentina. Santander Argentina saw the region's biggest jump; AI assistants otherwise sent most visitors to BCP in Peru, Bancolombia in Colombia, BancoEstado in Chile and Banamex in Mexico.
Glassdoor — Glassdoor found 98 per cent of claims-adjuster reviews mentioning AI negative, the harshest among occupations studied. Adjusters said leaders pushed faulty tools whose mistakes staff had to fix, hurting service to policyholders. Adjuster employment fell 21 per cent from May 2025 to May 2026 (Bureau of Labor Statistics), and entry-level postings are down 50 per cent since 2025. Insurance was the third most AI-critical industry, with 81 per cent of comments negative.
Hong Kong Monetary Authority — The Hong Kong Monetary Authority, the Securities and Futures Commission, the Insurance Authority and the Mandatory Provident Fund Schemes Authority, with Hong Kong Cyberport, have picked 36 use cases from nearly 100 proposals for the first GenA.I. Sandbox++ cohort. 30 financial institutions and 27 technology partners take part, including Ant Bank (Hong Kong), WeChat Pay Hong Kong and Hang Seng Bank, focusing on agentic AI in finance for customer interactions, insurance claims, payments and onboarding, and on AI giving dynamic oversight of other AI applications' actions.
Bank of Ghana — The Bank of Ghana is applying AI, big data and machine learning to quicker economic intelligence, AI inflation forecasting, growth projections and earlier financial-risk spotting. First Deputy Governor Dr Zakari Mumuni outlined it at the Ghana Statistical Association's 4th Annual Statistics and Data Science Conference in Tamale. Fuzzy definitions, mismatched categories or badly checked data, he cautioned, can mislead even the most advanced forecasting models.
BBVA — BBVA's Brújula, an AI sales assistant for bankers built by its South American teams, helps corporate and institutional relationship managers in Colombia, Argentina, Venezuela, Peru and Uruguay rank opportunities, prep meetings, log client visits and draft financing proposals. Each interaction feeds the next client conversation, and the manager keeps professional judgement and accountability for decisions and the portfolio.
Banco Azteca — Banco Azteca, among Mexico's biggest financial institutions, has shifted its automation onto UiPath's Maestro platform, using agentic AI in banking to coordinate people, AI agents and systems across entire business processes. More than 300 production automations span customer service, HR, procurement, legal, fraud prevention and compliance, plus over 8,800 automated processes UiPath equates to more than 3,300 full-time employees' work, unverified by any independent evaluation.
Deutsche Bank — Germany's Deutsche Bank, a design partner for the Financial Research agent in Google Cloud's Gemini Enterprise for Financial Services, is rolling the AI research agent out across its Corporate Bank. The tool runs research end to end with source citations and audit trails, drawing on 50-plus specialised financial skills.
CME Group — CME Group is among the first adopters of Google Cloud's Gemini Enterprise for Financial Services, for agentic Financial Research workflows. Now previewing for corporate banking and capital markets, the platform runs research end to end with confidence scores and source citations.
Citi Wealth, Lloyds, Macquarie, BNY — Citi Wealth, Lloyds Banking Group, Macquarie Bank and BNY are among financial institutions adopting Google Cloud's Gemini Enterprise for Financial Services, giving staff agentic research workflows. Its Google-managed Financial Research agent runs research end to end on 50-plus specialised financial skills.
HSBC, Standard Chartered, Barclays, Citigroup, Deutsche Bank — HSBC, Standard Chartered, Barclays, Citi and Deutsche Bank are among global banks adopting Ant International's Falcon Time-Series Transformer (TST) 2.0 for AI FX forecasting and treasury hedging. Ant International's Kelvin Li says the model forecasts cash-flow and FX-exposure positions with over 90% accuracy and can lower hedging and allocation costs over 60%. None is independently evaluated.
Experian — Experian has added personalised credit scores to its ChatGPT app, calling it a UK first. Inside ChatGPT, users can now see their Experian credit score, its history and a factor-by-factor breakdown.
Absa — Absa's agentic AI customer service chatbot, which understands natural-language queries and asks follow-up questions, has topped 1.6 million users and handles over 100,000 queries a month. Group chief information and technology officer Johnson Idesoh reported the agentic assistant's figures.
DBS Bank — DBS Bank is scaling agentic AI in corporate banking to about 1,500 relationship and credit-risk managers globally after a 150-person pilot, with specialised agents covering more than 70 tasks and drafting review-ready credit memos. Credit memos and related work can take up to 40% of these bankers' time, which DBS aims to cut by at least 30%, says group head of institutional banking Han Kwee Juan.
Sun Life Canada — Sun Life's financial advisers have two AI tools: Notes Assistant, which summarises client meetings, drafts follow-up emails and compiles action items, and a new AI-powered adviser concierge answering product, policy and process questions. The insurer says Notes Assistant saves 15 to 30 minutes per client session and the concierge has handled over 11,000 client conversations since launch. Cutting admin frees advisers for client relationships, said Jessica Tan, executive vice-president and president of Sun Life Canada; Notes Assistant won a 2026 CIO Award Canada.
National Bank of Serbia — Retailers must now publish daily price lists, feeding National Bank of Serbia (NBS) AI price tracking that produces short-term inflation estimates, says Governor Jorgovanka Tabakovic. The goal: an artificial intelligence model for inflation estimates showing price direction before official statistics arrive. NBS calls it a supplement to the Statistical Office's monthly reports, not a replacement.
ruya — UAE digital bank ruya has started deploying agentic AI in banking operations with partner Magure. The goal is to become an AI-native bank.
KPMG / Association of Serbian Banks — KPMG and the Association of Serbian Banks scored AI maturity in Serbian banking risk at just 28% across 18 lenders surveyed. Most rely on scattered, ad hoc pilots rather than a coherent roadmap for artificial intelligence in risk functions, held back by weak data readiness. Assessed dimensions: strategy, deployment depth, staff skills, risk controls, data quality, infrastructure.
Airtel Money Uganda — Fraud detection in financial services now relies on machine learning at Airtel Money Uganda, which flags risky wallets for human checks rather than freezing them outright. A robotic process automation tool reconciles balances, and staff view product results through a live dashboard. This AI-driven fraud monitoring covers reconciliation and analytics alike.
Visa — Visa is piloting an AI financial assistant with US banks that shows cardholders in-app spending insights, fields natural-language questions on their activity, and lets them lock cards or set alerts mid-conversation. Visa says the pilot starts in August 2026, going global after the US launch.
Bermuda Monetary Authority — The Bermuda Monetary Authority is consulting on The Responsible Use of Artificial Intelligence in Financial Services in Bermuda, AI guidance for financial firms on applying existing obligations to AI they develop, deploy or use. Covering operational resilience, cyber security, transparency, data oversight, risk management and governance, it adds no new requirements or separate AI licensing regime; responses close 30 October.
SBS Bank Eswatini — SBS Bank Eswatini runs treasury work on Intellect Design Arena's eMACH.ai Treasury platform, an AI-powered banking treasury tool covering money markets, foreign exchange and fixed-income securities at 100% automation. Automated SWIFT messaging cut manual effort by 90%. The move backs growth from building society into commercial bank, after a provisional licence from the Central Bank of Eswatini.
One Zero Bank — One Zero Bank now lets customers pull their own financial data through ChatGPT and Claude, skipping the lender's app and website entirely. This puts the Egyptian bank among MENA's earliest adopters of agentic banking, where an external AI agent banking integration retrieves account details directly when prompted through a conversational tool the customer already uses. One Zero calls it a step toward financial infrastructure for the AI agent era.
Commercial Bank of Ethiopia (CBE) — Commercial Bank of Ethiopia now runs AI-driven fraud detection in banking, scoring each payment for risk via an AI-powered fraud management system built on behavioural analytics. A flagged score triggers a freeze, decline or extra check, spotting hijacked accounts, mule networks and coordinated fraud rings. Models keep updating as tactics evolve.
MS and AD Insurance Group — AI image verification in insurance claims now runs at Mitsui Sumitomo Marine and Aioi Nissay Dowa, under MS&AD Insurance Group, catching fabricated or altered damage photos and receipts. Tech Union helped build it, marking Japan's first such AI fraud detection for claims documents among non-life insurers, curbing increasingly varied fraud.
Aomori Michinoku Bank — Every branch of Aomori Michinoku Bank now runs neoAI Chat, five months after a March pilot began. Staff use this AI agent platform for banking tasks: drafting, summarising, checking internal rules, and gathering information. The rollout reflects momentum behind agentic AI in financial institutions across Japan.
ABN Amro — ABN Amro's second-quarter 2026 results list nearly 50 AI use cases in production at the Dutch bank. Among them are GitHub Copilot for developers, a knowledge assistant helping analysts with anti-money-laundering and know-your-customer work, and the bank's first customer-facing generative-AI voice-bot.
FINCA Bank — FINCA Bank has deployed Kyrgyzstan's first Kyrgyz-language voice AI assistant for its contact centre. Built in-house with proprietary recognition and synthesis models, it handles inbound and outbound calls plus live chat, letting people talk naturally rather than pick through menus. A banking voice bot transfer to a live agent stays available on request.
Interbank — Interbank has become the first Peruvian bank with a direct Anthropic agreement, deploying Claude Enterprise to an initial group of staff including knowledge workers and specialist technology teams. Training and support programmes accompany this enterprise AI in banking rollout to keep adoption responsible, the bank says. Claudio Querol, vice-president for data, analytics and AI, plans to extend the tool gradually to more staff and processes.
Bir — Bir has dropped a chatbot named Ey-ay into the m10 digital wallet, the first AI payments assistant fielded in Azerbaijan and a product of the Caucasus region's earliest joined-up e-commerce, banking and payments ecosystem. Everyday transfers and the rest of the menu now run as conversational payments through plain chat, riding a swift national retreat from cash. The group counts over 5 million customers, tied in with Trendyol Azerbaijan and BakıKart.
SEB banka — SEB banka, the Swedish SEB Group's Latvian subsidiary, runs an AI voicebot banking service that lets customers lock a card or halt internet banking access on their own, without a human consultant. Launched to cover urgent requests, the system answers calls between 8pm and 8am on weekdays and non-stop across weekends. This voice assistant for banking targets time-sensitive emergencies rather than routine enquiries.
Absa Bank Kenya — Credit risk cycle times at Absa Bank Kenya dropped 80 to 90 percent, hours standing in for weeks, since SAS Viya launched atop Amazon Web Services. A new Centre of Excellence ships models 50 percent sooner under this AI credit risk management drive, phasing out scripts once spread across 500-plus tools. Retail lending signals a pivot toward AI-driven credit risk modelling.
NCBA Group — PropwizAI, the assistant embedded in NCBA Group's new PropertyDuka platform, studies a buyer's income and tastes to suggest fitting houses, mortgages and repayment routes. Billed as East Africa's first AI-powered property marketplace, PropertyDuka merges listings, construction loans, insurance and legal aid into a single online hub, an AI-driven property platform spanning the whole home-buying journey. NCBA's wider digital marketplace has already signed up almost seven million users and moved about KSh4 billion in transactions.
Absa Bank — Absa Bank's credit risk management AI slashed model reporting timelines by 80 to 90 per cent, compressing weeks into hours, since SAS Viya went live on Amazon Web Services. Fresh models now enter service 50 per cent quicker, spanning upwards of 500 models within Absa's retail lending portfolio, while live dashboards and built-in guidance sharpen credit risk assessment in banking.
CIBC — CIBC has introduced CAI 2.0, an agentic-AI workspace where employees hand complex, multi-step tasks to AI agents that plan, coordinate and finish them. The bank calls it the first enterprise-wide platform of its kind in Canadian banking, and says predecessor CAI reached over 50,000 employees worldwide, with about 20,000 daily users.
Czech National Bank — A central bank AI unit is taking shape within the Czech National Bank's information technology arm under Janis Aliapulios, pooling capacity the institution already holds into one coordinating team and adding no posts overall. Governor Aleš Michl put the headcount reduction at 5 percent, attributing the departures not to poor performance but to the same work becoming achievable more productively — the governor's own account, with no published external assessment of any link to the in-house AI capability. Grok and OpenAI were tried against inflation forecasts during 2025, MiCA licence files now pass through such tools, and servers carrying Nvidia graphics cards have been purchased.
National Bank of Egypt (NBE) — National Bank of Egypt (NBE) took three Digital CX Awards 2026, recognising AI in banking used throughout its core operations. The NBE customer engagement engine weighs each customer's product holdings, demographic data and transaction behaviour to suggest their next best action. Other banking AI tools predict branch cash needs to support liquidity management, and speed document verification so approvals rely on fewer manual reviews.
I&M Bank Rwanda — Pindo built the Kinyarwanda Voice AI Banking Agent for I&M Bank Rwanda, the country's first such tool, so customers now bank purely by talking, in Kinyarwanda or English, over an ordinary phone call, no app or data connection needed. This voice banking service launched under the 'Tsinda na Banki Muhorana' campaign.
Itaú Unibanco — Itau Unibanco has released 'ia.i', an in-app AI banking assistant, to 300,000 clients, who can do their banking and seek financial guidance in natural language, spoken or typed. Built on a multi-model architecture, it should reach the whole client base by December.
Access Bank Plc — Access Bank Plc's Access SME App gives Nigeria's micro, small and medium enterprises an AI-powered SME management app with embedded funding. Record-keeping, stock oversight and staff supervision run unattended, feeding owners an AI-generated business insights tool, launched at its MSME Digital Growth Conference.
Bank of Maldives — Bank of Maldives customers can now file banking service requests directly through Aaya, an example of an AI virtual assistant in banking absorbing tasks once handled by a separate messaging feature. The AI-powered digital assistant, built into the mobile app and Internet Banking platform, answers in real time in Dhivehi and English.
Jersey Financial Services Commission — Jersey Financial Services Commission (JFSC) folds AI regulation in Jersey's finance sector into duties already binding on firms, bypassing any bespoke regime built solely for artificial intelligence. Its stance remains proportionate and risk-based, stretching current requirements to reach AI in financial services: oversight structures, human review, data stewardship and continuous scrutiny.
Banca d'Italia — Frontier artificial intelligence models bring fresh security threats, says Bank of Italy, urging prompt AI risk management in banking. Lenders must spot weak points and toughen defences, a push linked to the EU Digital Operational Resilience Act, broadening AI risk oversight in financial services under DORA's mandate.
Banco Popular Dominicano — Banco Popular Dominicano now uses AI virtual assistants to arrange bank-card delivery, calling customers to confirm addresses and chase new cards, renewals and replacements. Customers may switch to a human agent at any time, and the bank frames the AI as support for its staff.
Gibraltar Financial Services Commission — Gibraltar's Financial Services Commission has revised its AML/CFT/CPF Guidance Notes to tackle AI risks in AML/CFT/CPF compliance. Three areas gained new provisions: customer risk assessments must retain human sign-off; customer due diligence now flags AI-generated deepfakes; and ongoing monitoring covers AI agents and discriminative or predictive AI models. The changes aim to keep controls resilient as artificial intelligence in financial crime compliance evolves.
King Price Insurance — Half the wait has vanished from routine personal lines claims at King Price Insurance since a new engine took over deciding how each case gets handled, sending turnaround times down 50 per cent. This early instance of AI claims processing in South African insurance sits inside a broader enterprise AI division backing every claim, built around the AI-driven claims risk engine. Overhauled optical character recognition and purpose-built fraud detection models round out the shift, catching syndicate behaviour nobody had spotted before.
Banque Centrale de Tunisie (BCT) — Generative AI use at the Central Bank of Tunisia now sits under a fresh internal charter, revealed in its 2025 annual report. Several AI-driven data analytics projects run beside it, plus early talks on where the technology heads next. No tools, deadlines or costs were named.
ZamZam Bank — ZamZam Bank and the Addis Ababa Chamber of Commerce now back small firms lacking pledgeable assets, using AI-based SME lending to judge applicants purely on repayment capacity. Loans of 60,000 to 1 million birr flow to chamber members via Ansar Digital Financing, built with Kifiya Financial Technology. This algorithm-driven credit assessment had already reached over 10,000 SMEs with more than 1.1 billion birr beforehand.
Stanbic Bank Ghana — Stanbic Bank Ghana is countering financial crime through AI fraud detection in banking, deploying tools that track spending habits and flag irregularities before damage spreads. Felicity Osafo Sampong said the technology reads shifting customer patterns to catch suspicious activity as it happens, replacing after-the-fact review with real-time transaction monitoring powered by AI.
Zurich Insurance Japan — Zurich Insurance Japan runs 12 AI agents at once for new-contract review — medical, environmental, moral risk and fraud checks — marking an early case of AI underwriting insurance locally. New Business 2.0 targets 60 percent automatic assessment and a 77 percent cut to manual processing time. Zurich calls this AI-driven underwriting deployment the first multi-agent rollout across a full underwriting workflow at a Japanese life insurer.
Sberbank — Sberbank expects AI in banking to deliver a 550 billion ruble economic effect across all business lines in 2026, CEO German Gref told shareholders. He linked AI adoption in banking to stronger revenue from personalised offers, sharper pricing, lower credit risk and tighter cost control, adding that AI agents already produce credit proposals for 96% of corporate borrowers.
Bangladesh Bank — Bangladesh Bank has barred staff from entering confidential or sensitive banking data into AI tools under any circumstances, a directive dated 28 June 2026 that marks a step in the country's emerging AI governance in banking. Officials must now secure sign-off from the relevant authority before using AI tools in banking use cases such as drafting notes, shaping policy or analysing data.
First City Monument Bank (FCMB) — First City Monument Bank has built AI chatbot in banking functionality into its app, naming the tool Temi. The bank paired this with reward points, mutual fund access and instant virtual cards, sharpening its digital-first edge in Nigeria's crowded online banking market; Temi acts as an AI-powered banking assistant for routine support.
Coronation Insurance Plc — Nigeria's Coronation Insurance Plc now offers AI vehicle inspection on its digital onboarding portal, where motor insurance buyers photograph their cars rather than awaiting a manual check. This photo-based inspection relies on image recognition technology, speeding underwriting and claims assessments.
Financial Services Commission — FSC revised its Financial Sector Artificial Intelligence Guidelines, covering AI governance in financial services, effective 22 June 2026. Seven principles anchor the framework: governance, legality, subsidiarity, reliability, financial stability, good faith, security — subsidiarity keeps executives accountable for algorithm-assisted decisions, not the AI system. FSS issued a companion AI Risk Management Framework covering AI risk management practices for banks; Korea Financial Security Institute released its own AI Security Guide.
National Financial Regulatory Administration — China's National Financial Regulatory Administration issued guiding opinions on 18 June 2026 on AI regulation in banking and insurance, with four principles including that users of an AI system are responsible for it. Institutions must grade AI uses by risk and route high-risk ones through approval; anything touching risk management, underwriting and claims, credit approval, asset valuation, fund transactions or generative AI directly shaping whether a financial contract is agreed counts as high-risk AI. Those need risk-committee sign-off, human oversight at critical points and reporting to the regulator.
FinTech Belgium, Sailpeak and Vlerick Business School — The third AI Barometer from FinTech Belgium, Sailpeak and Vlerick Business School sees generative AI in financial services reaching Belgian core processes beyond coding and customer service. 67% deploy it in claims processing and 46% in KYC/ALM, 64% pilot it in underwriting, and institutions seeking positive AI returns rose from 47% in 2025 to 75% in 2026.
Banco de Moçambique — Mozambique AI regulation gains a formal footing at Banco de Moçambique, which has adopted its own Artificial Intelligence Policy for safe, transparent, responsible internal use. Rogério Zandamela linked it to the bank's digital transformation drive and an earlier AI task force. Central bank AI governance is aimed inward here, not at the wider financial sector.
Cyprus Securities and Exchange Commission — The Cyprus Securities and Exchange Commission (CySEC) warned supervised firms in Circular C786 of growing frontier AI cybersecurity risks, as frontier models can locate and exploit software vulnerabilities with unmatched speed and scale. CySEC reminds firms that the Digital Operational Resilience Act demands sound ICT risk management frameworks against AI-enabled cyber threats.
Banco BPI — Portugal's Banco BPI has put the Harvey legal AI platform across its whole legal department after a pilot the bank says raised productivity in the team's core work. BPI says the platform frees its lawyers' time from procedural tasks, and head of legal Luís Graça Moura says practical gains are already showing.
Conister Bank (Manx Financial Group) — Conister Bank, part of Manx Financial Group, now applies AI in banking redress work, automating its Discretionary Commission Arrangements restitution process for far less than a third-party processor would charge. The tooling sorts through bulk complaint correspondence, pulls out key data points and drafts customer replies, though humans still sign off every final decision. This automated redress handling forms part of the wider AI strategy the Isle of Man-based group set out.
National Bank of Georgia — The National Bank of Georgia's NBG AI Platform, an AI in central banking project, is a Top 12 finalist in the 2026 Qorus-Infosys Finacle Banking Innovation Awards (AI-led Value Creation). Built in-house without external vendors, this central bank AI gives employees AI agents plus specialised chatbots for analytical and supervisory work.
TBC Bank — TBC Bank, Georgia's largest bank, gives 600 employees direct access to company data through Genie, an AI-powered data analytics tool built on Databricks, returning answers in seconds instead of via disconnected on-premises SQL servers. Work once taking a month now moves far faster, reports shrank from 14 weeks to two days, and the analyst team fell by 50%. Most headquarters staff are expected to use this AI in banking tool daily.
Nedbank — Nedbank's Quick Loans, short-term lending in the Money App, takes credit decisions from fintech Jumo's engine for AI credit scoring. Affordability checks run live on alternative financial data, with loans of R500 to R50,000 paid in as few as five minutes, for clients with thin or no credit bureau history too.
Bank ABB — Bank ABB threw open AI-nur and AI-khan to the whole client base once trials wrapped, billing the duo as among the earliest voice-driven AI banking assistants in Azerbaijan and the wider region. Conversational banking has drawn 230k people and 2.5 million exchanges. The lender keeps 180 generative and predictive models in production, worth above 35 million AZN in positive impact on the bank's own count.
National Bank of Rwanda — Rwanda AI regulation now covers all licensed banks, insurers, payment providers, pension schemes and microfinance institutions under the National Bank of Rwanda's Guidelines No. 52/2026 on Artificial Intelligence Risk Management for Financial Institutions. Firms must set up board-level governance, validate models and keep humans in the loop, with tighter rules where systems flag suspicious transactions or assess borrower risk. This risk management approach reaches further into fraud screening and anti-money laundering monitoring than most comparable frameworks in the region.
Jubilee Holdings — Jubilee Holdings' AI fraud detection insurance push stopped KES 1.28 billion (Sh1.28 billion) in fictitious claims for the year ended December 2025, nearly triple the prior year's total. AI-driven claims adjudication tools, including Curacel, traced KES 750 million (Sh750 million) of that sum and flagged 449 suspicious cases. It sits within Jubilee's Changamk@ programme, cutting over 96,000 man-hours of manual work a year.
Financial Services Agency — Japan's Financial Services Agency and the Bank of Japan jointly ordered banks to tackle AI cybersecurity risks facing financial institutions head-on. Fast-moving frontier AI capabilities, regulators warn, are fuelling attacks on the sector and demand urgent AI risk management now.
TD Bank Group — Canada's TD Bank Group has cut mortgage pre-adjudication times from 15 hours to under three minutes using an agentic AI model built by its Layer 6 unit. This agentic AI in mortgage underwriting also handles Home Equity Lines of Credit applications, drafting summary memos after joint work across TD's Global Technology & Solutions, data, Real Estate & Secured Lending and risk teams. The underwriting automation gain is an early internal estimate, unconfirmed by outside review.
Zurich Insurance — Zurich Insurance runs agentic AI underwriting in five countries, including Switzerland, after a 90-day rollout with Cytora. Its AI risk digitisation platform converts unstructured, multilingual submissions into structured risk data, cutting triage from 75 minutes to 15 and lifting straight-through processing to 95%. Zurich plans expansion to over 20 markets within 16 months.
Mizuho Financial Group — Mizuho Financial Group lets non-engineers build AI agents on a new Dify Enterprise AI agent development platform, phased in from May 2026. A corporate banking trial cut task time 41.8 percent on average, 52.2 percent for junior staff; comment generation accuracy in AI in corporate banking hit just 6.3 out of 10.
Gunma Bank — Gunma Bank's FutureBANK AI HUB, a generative AI agent platform built with Future Architect, guides staff through lending operations using internal manuals and historical loan records. This is AI-assisted lending in practice: within a fortnight of launch, roughly 60 percent of eligible employees had tried the tool, logging close to 4000 uses. The uptake points to strong early adoption of AI in loan processing at the bank.
Heirs Insurance Group — Heirs Insurance Group has introduced Prince AI, an AI insurance assistant answering queries in languages such as English, Yoruba, Igbo, Hausa, French and Chinese. On WhatsApp, the SimpleLife mobile app and the insurer's site, the generative AI handles policy purchases, renewals, and filing and tracking claims.
Banque Mauritanienne pour le Commerce International (BMCI) — Banque Mauritanienne pour le Commerce International now answers customers around the clock through Aly, an AI virtual assistant banking service on WhatsApp staffed 24 hours a day, seven days a week. It routes account queries, points users to the right department and speeds up access to banking information. BMCI claims a first among Mauritanian lenders, becoming the earliest to weave a smart conversational agent through customer service.
Sumitomo Mitsui Financial Group — Sumitomo Mitsui Financial Group and Sakana AI built an AI proposal generation tool for corporate banking at Sumitomo Mitsui Bank. Agents split the work: gathering facts, analysing, framing hypotheses, verifying results, in one wholesale proposal drafting pipeline. SMBC's figures show weeks cut to minutes or hours.
AYA SOMPO Insurance — iVA, an Insurance Virtual Assistant from AYA SOMPO Insurance, is Myanmar's first AI chatbot insurance tool built into a mobile app, the firm says. Housed in the My AYASOMPO app, it answers product and policy questions in Myanmar and English with 24/7 real-time replies, no human needed. This AI-powered insurance assistant is meant to help partners and agents meet customer needs faster.
Prudential Authority, South African Reserve Bank — South Africa's Prudential Authority told banks to brace for AI cyber risk in banking, under guidance titled Preparing for Frontier AI and AI Accelerated Cyber Risk. Frontier systems let attackers strike almost as soon as a flaw surfaces, collapsing the gap between discovery and breach.
Capitec Bank — Capitec Bank has equipped almost 5,000 employees with AI tools and runs agentic AI in credit processing for business banking, Capitec's 2026 integrated annual report says. Capitec Pulse AI, built in-house, feeds client support agents live client information, and generative AI now works in production for compliance. The bank says the rollout is well past the experimental stage.
MobileMoney Fintech Limited — MobileMoney Fintech Limited has built AI fraud detection in mobile payments into Ghana's top mobile money service. Chief Executive Shaibu Haruna said the tool tracks spending patterns continuously, retracing payment paths to flag anomalies that static, rule-based checks miss. That signals a move toward AI-driven transaction monitoring platform-wide.
Shaqiu Think Tank — Shaqiu Think Tank's tracking report finds 53.5% of Chinese banks, more than half, now using large models in banking, with the sector shifting from tool-level uses to system-level rebuilding of processes. The report does not give its survey base.
Uniqa Biztosító Zrt. — Uniqa Biztosító Zrt. has widened NiQA, its AI claims handling platform, from burst pipes to glass damage, and artificial intelligence now touches one household claim in three in Hungary. Thorniest category first, with every notification the eventual ambition. Automated claims assessment has paid out inside 24 hours since mid-April, and Uniqa's own forecast puts most retail claims automated by 2028.
CMB Monaco — Monaco's CMB tops Europe in generative AI wealth management, merging its systems onto Avaloq and BlackRock Aladdin Wealth via their June 2023 alliance. Advisers now receive 'Auto Commentary', translating dense portfolio figures into brief written notes, while back-office corporate actions run through AI-led automation.
CIMB Niaga — CIMB Niaga has deployed AI agents for relationship managers, starting with a Relationship Manager AI Agent built with Google Cloud and Artefact as a strategic thought partner for bankers. A Contact Center AI Agent now also partners service teams live during customer calls; the bank's AI Center of Excellence developed both.
Scotiabank — Scotiabank has launched Scotia Intelligence, a unified enterprise platform that gives employees governed AI tools and the Scotia Navigator assistant for everyday work, custom assistants and AI-assisted coding. Branches and contact centres were early adopters of purpose-built tools; the bank says AI now handles over 40 per cent of contact-centre client queries and processes and routes about 90 per cent of commercial banking emails.
Daido Life Insurance — Generative AI in benefit claims assessment reaches full deployment at Daido Life Insurance this April. Its Benefit Payment Assessment AI, built on RAG-based retrieval, handles medical judgment on hospitalisation payouts, replacing in-house doctor review in around 70 percent of cases and saving roughly 1800 working hours yearly. The insurer calls this AI-driven medical judgment for insurance claims a sector first.
National Bank of Ukraine — Ukraine's central bank, the National Bank of Ukraine, launched the Discussion Paper on the Ethical and Responsible Use of Artificial Intelligence by Participants of the Financial Services Market of Ukraine, opening debate on AI governance in financial services. Priorities named include shielding consumers, managing risk, keeping systems transparent and maintaining operational resilience across the sector. Officials frame this as an early move toward future sectoral guidance and a fuller White Paper, with no binding rules proposed yet under this responsible AI use in banking initiative.
Joyo Bank — Joyo Bank's banking AI deployment, JOYO AI AGENT, runs on a closed cloud network cut off from the internet, offering translation and document masking. This AI agent for banks also trials loan approval review and automatic business document drafting. Athena Technologies co-developed it, building on a proof of concept from July 2025.
Starling Bank — Starling Bank customers can now handle money tasks through Starling Assistant, billed as the UK's first agentic AI financial assistant for current account holders. Voice or natural language prompts let users set savings goals, arrange bill payments and get insights via this AI-powered banking assistant.
NLB (Nova Ljubljanska Banka) — NLB, Slovenia's largest banking group, built an enterprise Agentic AI platform with Adastra, launching its first AI use case within five months. NLB applies AI in banking to high-volume documents, credit and compliance fact-gathering, and employee decision-making. Centralised governance, role-based access and cost controls cover bank-wide AI agents.
Tokio Marine & Nichido Fire Insurance — Tokio Marine & Nichido Fire Insurance put AI contact centre tools across its customer and agency lines on a PKSHA Technology and CTC platform. PKSHA VoiceAgent captures callers' identity and purpose from natural speech before routing, Speech Insight provides live transcription and suggested answers for operators, and Knowledge Stream drafts knowledge-base entries afterwards. It expects up to about 30 per cent shorter handling on customer calls and about 10 per cent on agency calls, freeing operators for specialist work.
Central Bank of Nigeria — The Central Bank of Nigeria's baseline standards oblige banks, fintechs and payment firms to adopt automated anti-money-laundering systems, the bank's first AI AML rules. They favour automated risk scoring, anomaly detection and behavioural pattern recognition, demand at least yearly independent validation of machine-learning models and require explanations for every alert.
SanlamAllianz General Insurance Ltd — Customers of SanlamAllianz Mauritius can now message MIRA (My Insurance Robot Assistant) on WhatsApp for 24/7 help in English or French. Built as an AI insurance assistant, the bot fields common policy queries and steps in when staff are unavailable outside office hours, giving round-the-clock support via an AI conversational assistant for insurance queries. SanlamAllianz paired the debut with Zinsure, a fresh digital-first insurance product line, on 5 March 2026.
Bank of Ghana — The Bank of Ghana has made AI governance in banking central to its revised Cyber and Information Security Directive (CISD) 2026, introducing AI and Machine Learning Governance in place of the 2018 framework. Regulated lenders must show their AI systems in financial institutions are transparent, fair and secure, covering credit scoring, fraud checks and client support, with boards answerable for cyber risk. A data sovereignty rule requires core systems and customer records to stay within Ghana, applying to payment providers, fintechs, microfinance firms and banks.
Britam General Insurance — Britam General Insurance settles light motor claims in two hours, against the industry's five working days, through AI claims assessment at Britam Centre's Nairobi drive-through. AI grades damage photos in about 15 minutes, an electronic claim form reaches the owner's handset and in-house checks take 30 minutes. Comprehensive motor policyholders qualify for AI-assessed claims.
Sumitomo SBI Net Bank — Sumitomo SBI Net Bank is beta testing NEOBANK ai, an AI banking agent built on generative UI. The assistant reads users' plain-language goals and renders screens live for fund transfers, procedure navigation and debit card spending analysis. The lender calls itself Japan's first bank with an AI agent for banking that builds interfaces per request.
Cova — Cova switched on AI motor insurance pricing for compulsory cover in Cameroon on 26 February 2026: film the vehicle's carte grise, or a lodging receipt, and the regulated tariff returns in one click, renewal premiums prepayable remotely. Reading fiscal horsepower, use and energy type off the document against the standing tariff grid cuts keying mistakes and compresses sign-up times, by Cova's own account. Collection runs through mobile payment aggregators Maviance, UFIPAY and MaMoni Pay, plus Express Union Microfinance and MaMoni Finances counters. Managing director Virginie Pouna Ngomi framed the automated premium quotation as cover simpler and more dependable, licensed brokers and partner insurers undisplaced; Cova holds a broker licence in the CIMA zone and came via the BimaLab Africa accelerator.
Sumitomo Mitsui Banking Corporation — Sumitomo Mitsui Banking Corporation started SMBC AI Operator, a generative AI call centre line with technology from the Japan Research Institute and IBM Japan, on 25 February 2026. 24/7 it takes free-speech calls on the Olive personal finance product's application steps, campaigns, annual fees and service content, answering from bank reference data and passing callers to a human operator for identity checks during call-centre hours. The voice operator adapts phrasing and tone to each caller's way of speaking.
Czech National Bank — The Czech National Bank has granted the first six permits under the European MiCA regulation, out of 248 filings, leaning on AI in crypto-asset licensing for the paperwork. Software trialled in the bank's ČNB Lab innovation unit runs on hardware the bank owns; the machine review of licence files flags gaps, spots contradictions across papers and audits content. Jan Procházka stressed that granting or refusing a permit always rests with ČNB experts, technology acting only in support.
Raiffeisenbank — Raiffeisenbank staff can call on about 130 varieties of AI assistants for bank employees, chief executive Igor Vida said. An auditor part-way through an inspection, by the bank's own example, hands the findings over and gets back a finished report. Vida cast the workplace AI rollout as lifting output per head instead of shrinking headcount, backed by in-house teaching on digitalisation and these tools.
ANZ — ANZ has put Salesforce's Agentforce 360, AI agents for business bankers, into its bankers' new customer relationship management tool, claiming to be the first Asia-Pacific bank to deploy it at scale. The nationally rolled-out, Agentforce-backed CRM replaces a legacy platform and merges data from 20 separate systems into one dashboard, cutting time bankers spend switching systems, ANZ says.
Fonds de Garantie de l'Entrepreneuriat au Congo — The Fonds de Garantie de l'Entrepreneuriat au Congo opened Bokeli, an AI business-plan platform, at Kinshasa on 3 February 2026, aimed at micro, small and medium firms plus artisans lacking the security lenders usually want. Bokeli guides a founder through a bankable document with situational prompts and samples, inserts projections at a click, saves to PDF or Word, then pushes the file into the fund, where applicants watch its progress themselves until cash lands. Operations chief Ibrahim Ucircan said most submissions arrived in poor shape whatever province they came from. Director General Laurent Munzemba Kompa said the automated plan builder kills off gripes about sluggish handling.
Manulife — Manulife has launched a redesigned e-application and upgraded MAUDE, its proprietary AI underwriting engine, that together auto-approve qualified life insurance applicants in as little as two minutes. Cases the engine cannot approve go to a human underwriter. By December, the chief underwriter said, 58 per cent of eligible cases were auto-approved through MAUDE, up 56 per cent on pre-launch levels.
Guernsey Financial Services Commission — The Guernsey Financial Services Commission has issued a Policy Statement on the Use of Artificial Intelligence that openly welcomes AI in financial services — machine learning, large language models, plus agentic and generative systems — as a way to run leaner and shed paperwork. Because the Bailiwick supervises by principle, such technology already fits the regime in force: nobody needs prior sign-off or even a conversation with the Commission, and an AI build is treated no differently from any other technical or strategic undertaking under the Finance Sector Code of Corporate Governance and the Minimum Criteria for Licensing. Nothing bespoke accompanies this AI adoption stance — no rulebook, no guidance, no accreditation or certification standard. Where a firm is unsure how to proceed, the pointer is towards the NIST AI Risk Management Framework, ISO/IEC 42001 and the NCSC Guidelines.
AXA Mansard Insurance — Snap a photo, skip the inspector: AXA Mansard Insurance now runs AI digital vehicle inspection in Nigeria, built alongside Curacel, covering new comprehensive policies, renewals and claims. Machine-driven photo review has taken over from on-site assessors.
Bank of Korea — The Bank of Korea runs BOKI, an in-house AI system, on its internal business network, where staff dig through the bank's document archive, even reading tables and graphs from reports. Data never leaves the building, a design built with Naver Cloud after a late-2023 tie-up, reportedly making it the world's first central bank to build and run internal AI this way.
Wema Bank — Wema Bank embedded SAW, an AI voice banking assistant, within ALAT: The Evolution. Spoken requests let customers check balances, transfer cash and settle bills across English, Yoruba, Igbo or Hausa. Facial recognition alongside voice-controlled financial services checks confirms who is speaking.
MTN Ghana — MTN Ghana built AI fraud detection mobile money algorithms that intercept fake MoMo alerts before phones receive them. Abdul-Majeed Rufai said the system flags impersonation even when scammers alter headers or misspell words — part of AI-driven fraud detection in mobile money services spreading across telecom operators.
Commonwealth Bank of Australia's agentic AI fraud detection, built in-house in about three months, helped cut fraud losses more than 20% in the first half of its 2026 financial year year-on-year, the bank says. Watching over 80 million signals a day, the fraud agent helped create or update three-quarters of card-fraud rules, with human approval. James Roberts, general manager of fraud and scams, reported this in April 2026; no independent evaluation is published.
The UK Financial Conduct Authority's AI Live Testing is a voluntary supervisory service letting cohorts of about five to ten firms trial live AI proofs-of-concept with the regulator. Part of the FCA's AI Lab, it began in October 2025, with a second cohort from April 2026.
The US Treasury's Do Not Pay prevented, detected or recovered a record US$11.7 billion in fraud and improper payments in FY2025, up 63% from US$7.2 billion in FY2024, across 614 million data-source queries. It complements the FY2024 machine-learning check-fraud figure, though FY2025 reporting does not separate the ML-only line.
Aiyl Bank (ABank) — Aiyl Bank's ABAI chatbot and AI document analysis in banking trimmed manual workload at the Kyrgyz lender in 2025, freeing 9 thousand 600 working hours. Regulatory paperwork now moves through the AI assistant instead of staff, while ABAI fields client queries. This AI-driven automation in banking shifted staff onto harder, client-focused work.
Bank SinoPac (Yongfeng Bank) — Yongfeng Bank rolled out "Licai Copilot", an AI-driven wealth management tool built on Microsoft Azure AI, aimed at Taiwan's high-end wealth management clients, a segment the bank values at NT$2 trillion in assets. Advisory staff gain four capabilities through the system: rapid client lookup, an internal intelligence feed pulling nearly 500 news sources, quick client profile writeups, and simulated compliance drills replacing standard training sessions. The rollout signals the bank's broader shift toward AI wealth management tool adoption across its advisory teams.
De Surinaamsche Bank (DSB) — De Surinaamsche Bank (DSB) rolled out DSB Buddy, an AI banking chatbot answering client queries on offerings through WhatsApp at any hour. The Suriname lender's virtual banking assistant sits within a modernisation push with an entirely online personal loan, freshly introduced POS terminals and corporate prepaid cards.
Bupa Hong Kong — Faster claims turnaround, stronger fraud checks and smoother regulatory compliance are the targets of a fresh five-year Business-Process-as-a-Service pact between Cognizant and Bupa Hong Kong, built around AI in health insurance claims processing. AI-driven claims automation sits at the core of the arrangement, Cognizant's first such BPaaS launch in the region, meant also to lift customer satisfaction.
MBANK — MBANK's AI customer service assistant, AI MBANK, settles 79 per cent of Kyrgyzstan queries unaided. This virtual banking agent, unveiled at Bishkek's Mtalx event, fielded over 2.7 million chats in Kyrgyz, Russian and mixed languages in 2025, via the MBANK app, WhatsApp and Telegram. Figures are unaudited.
Mapfre Perú — Under one second: that is now the approval time for 60% of AI vehicle inspections at Mapfre Peru, down from a wait of up to five days under the old manual process. Computer vision and automated decision models inside the insurer's Control Expert platform drive the instant automated vehicle inspection approval. Mapfre credits the overhaul with reshaping its claims workflow and boosting customer satisfaction, though these are the company's own figures.
bunq — bunq's Finn, an AI chatbot for banking customer service, resolves roughly 97% of support interactions, replying within 47 seconds on average across 38 languages at 90% satisfaction. This AI-powered virtual banking assistant also covers spending insights and travel tips for the Dutch neobank, escalating harder cases to staff.
ERGO Versicherung AG in Österreich — All staff at ERGO Versicherung in Österreich now use ERGO GPT, an in-house generative AI insurance tool developed by ERGO Group, after a trial period and required training for early users. The AI insurance assistant helps employees organise information, draft written communications, plan meetings, brainstorm ideas and manage everyday administrative tasks.
Association of Kenya Insurers — AI in claims management is shrinking Kenya's insurance payout waits to just 30 days, the Association of Kenya Insurers says. A health platform now processes daily claims 500% quicker, approvals landing in under sixty seconds, while chatbots deliver instant answers to customer questions at multiple firms. Fraud screening and actuarial modelling lean on machine learning as well — automated claims processing that counts, since AKI reckons almost 30% of submitted claims are bogus.
Banque Internationale à Luxembourg (BIL) — Banque Internationale à Luxembourg (BIL) built Berry, an AI banking assistant answering card, payment and product questions from retail customers non-stop. Staff gain time for tougher cases. BIL enters conversational AI in retail banking.
novobanco — 599 autonomous AI agents now operate within novobanco, powered by Microsoft Copilot across branch, contact-centre and credit analysis functions, an AI banking deployment across Portugal since 2025. Over 1,500 employees trained while 60 use cases launched, trimming repetitive task duration by 75 per cent. Mortgage document review once over an hour now concludes within 20 minutes, part of a wider shift toward AI-driven financial services automation.
Sovcombank — Sovcombank's AI in banking push put over 80% of core staff onto daily AI assistants, with IT hitting 95% adoption. The Russian lender trained 34,000+ employees via a five-tier skills curriculum and launched 30 autonomous agent projects, one of the sector's largest workplace AI adoption drives.
Nepal Rastra Bank — Nepal Rastra Bank's draft AI Guideline binds every licensed bank, financial institution and payment provider it oversees. Boards and senior managers answer for AI credit scoring, fraud detection, risk management, compliance monitoring and customer service outcomes, sorted under a tiered risk classification. Clients must be told whenever automated systems shape choices touching them.
Gebäudeversicherung Bern (GVB) — Berna, an AI voicebot for claims intake, now fields the flood of calls Gebäudeversicherung Bern (GVB) receives after major loss events, built with Spitch and Adnovum. It copes with Swiss German, manages multiple conversations at once, and converts spoken loss reports into structured dossiers ready for staff. Anyone on the line can still request a human specialist, part of GVB's push into AI-powered insurance claims handling.
Nexent Bank Romania — Nexent Bank's Romanian arm now runs AI credit decisioning through SAS Viya, turning loan approvals into a minutes-long process rather than days. The platform clears 70% of credit card limit requests without staff review, drawing on machine learning for behavioural analysis and sharper credit scoring. Agile methods let the bank, part of the Netherlands-based group, finish this initial AI-driven lending build in six months.
Rizal Commercial Banking Corporation — Rizal Commercial Banking Corp engineered an AI credit decisioning engine now driving consumer loan approvals bank-wide. Reviewers face lighter workloads, favoured customers get sign-off within a day, and alternative data brings thin-file applicants into reach. This automated loan approval push has slashed processing times bank-wide.
The Company for Cooperative Insurance (Tawuniya) — The Company for Cooperative Insurance (Tawuniya), Saudi Arabia's largest insurer, has deployed an AI medical underwriting system to shrink claims leakage and tighten premium pricing accuracy. Anonymised patient histories, treatments and hospital bills feed the tool, flagging overcharges, duplicate claims and fraud. Lotte Data Communication (South Korea) and Synapxe (Singapore) co-developed the AI-based insurance underwriting technology, now live across employer health plans for over five million members, with hospitals already onboarded in Riyadh, Jeddah and Dammam.
Trinidad and Tobago Stock Exchange (TTSE) — TOBI (TTSE Online Bot Interface) covers trading activity, listings, corporate announcements, dividends and settlement procedures at the Trinidad and Tobago Stock Exchange, round-the-clock. This AI chatbot for investors, a digital investor assistant, serves newcomers, brokers and listed firms on the exchange's website. It backs a wider digitalisation drive for capital-market infrastructure.
Islami Bank Bangladesh PLC — Islami Bank Bangladesh PLC debuts CellFin Echo inside CellFin, the nation's first tool for AI banking in Bangladesh driven purely by speech. Speaking plain English, users check balances, move funds, settle bills, pull ATM codes or view statements via this spoken assistant. CellFin already counts nearly 5.7 million users.
Union Bank of the Philippines — UnionBank is the Philippines' first bank, and among ASEAN's earliest, running Amazon Quick Suite for natural language data queries in banking. Over 200 staff in operations, technology, product and customer-facing roles skip IT, pulling insights via plain-language data querying. UnionBank expects 3 to 5 times faster request handling.
Magyar Nemzeti Bank (Hungarian National Bank) — Banking regulators in Hungary have made AI governance in banking mandatory: the Hungarian National Bank (MNB)'s Recommendation 13/2025 (XII.3.) on Digital Transformation of Credit Institutions supersedes the 2021 version and inserts a fresh section on responsible AI deployment. By 30 June 2026, lenders must produce an AI sub-strategy and lodge it with the MNB, meeting standards touching AI risk oversight, data handling, cybersecurity for AI tools, in-house skills and how AI is communicated to the public. Most obligations begin 1 April 2026.
Alborz Insurance — Alborz Insurance (بیمه البرز) has rolled out insurance claims automation in Iran through a new assistant unveiled at the International Insurance and Development Conference, letting policyholder paperwork clear without any staff touching it. Files uploaded to the system get checked in under two minutes, then pass straight through to payout. The insurer bills it as the industry's first AI-powered claims handling tool, aimed at cutting errors and quickening settlements.
Igloo — Igloo applies AI in insurance across the Philippines, spanning product design, sales and claims. Drop-off fell 24.7% once a recommendation tool steered buyers to suitable plans, 70% of whom accepted it, while a digital claims helper lifted accuracy to 98% and let policyholders file instantly. Agents get round-the-clock quoting and payments via chatbot.
BEC member banks — Salesforce's Agentforce platform now powers AI agents in banking advisory services across BEC's member banks, the shared IT centre for Danish banks. Advisors already lean on a live generative tool to draft customer replies inside online banking, while a second batch of agents, still piloted, works as an on-demand assistant, condensing messages and rendering them in English. This deployment of AI agents for bank advisors covers routine, command-driven tasks rather than open-ended judgement calls.
LAQO / Croatia osiguranje — LAQO, Croatia osiguranje's digital brand, is Europe's first insurer selling travel insurance directly through an AI agent, on WhatsApp. Pavle Pauq, the AI insurance sales assistant, queries trip details, offers extra cover, sets the premium and issues personalised payment links. AI-led selling followed LAQO GPT, which resolved 30 per cent of enquiries unaided.
Prime Bank PLC — Prime Bank PLC now offers Bangladesh's first AI-powered digital letter of credit management platform, Prime Banijjo. Clients get automated drafting, compliance screening and live tracking, easing paperwork and speeding turnaround across the LC lifecycle. First for AI in trade finance locally, per the bank.
SMBC Indonesia (Jenius) — Jenius, SMBC Indonesia's digital platform, folds AI in digital banking into signup, AI-powered lending decisions and fraud surveillance. Biometric checks confirm new users, an automated engine assesses loans instantly, and device intelligence spots suspicious behaviour, cutting unauthorised-transaction losses over 80%. A chatbot fields 70% of monthly enquiries too.
Banco de Guatemala (Banguat) — AVI, an AI virtual assistant economic data Guatemala tool from Banguat, sits inside Indicators GT, resolving plain-language queries across over 12 million financial records. It sketches charts instantly, stays live 24 hours daily, and toggles Spanish and English on any device — an AI-powered data-query tool for the public.
KakaoBank — South Korea's largest internet-only bank switched on AI money transfer banking on 24 November 2025, letting a spoken phrase like "Mom, 300,000 won" replace manually keyed recipient details. KakaoBank's app accepts that instruction by voice or text, with speech recognition active on Apple hardware — a first among domestic financial firms.
Financial Sector Conduct Authority and Prudential Authority — A joint survey by South Africa's Financial Sector Conduct Authority and Prudential Authority put AI in financial services at 10.6% penetration, based on answers from about 2,100 firms, with banks well ahead of other institutions at 52% uptake. Ethical oversight lags far behind: barely 13% of respondents deploying GenAI reported any governance safeguards, underlining weak generative AI adoption in banking despite growing usage.
Groupama — AI in insurance operations at Groupama, one of Romania's largest insurers, cut CASCO quote turnaround by 70%, with 97% of eligible offers now handled on a single Gemini Enterprise platform from Google Cloud. Response times to policyholders fell 40% and paperwork checks dropped 50% within the tool's first month live. At AloGroupama, the company's phone support line, automated voice handling driven by AI-based customer service now closes out requests for over 1,000 callers each month without staff involvement.
Citi Kenya — Citi extended generative AI in banking to over 200 Kenya staff, running Gemini, ChatGPT and Grok inside gated frameworks tied to internal data. Automated summaries, draft reports and analytical support now replace manual routine tasks. Kenya ranks among Citi's first Sub-Saharan African markets for this AI tools for bank employees deployment.
CNA Insurance Canada — Select business lines at CNA Insurance Canada now run on mea Platform's Intelligent Underwriting AI, part of a November 2025 rollout the insurer plans to extend further, marking a fresh step in AI insurance underwriting. Structured and unstructured records feed the ingestion engine, which pulls out the data points needed for new business submissions without manual sorting. CNA credits the launch with fast turnaround and strong data accuracy, though that judgement comes from the company itself rather than an outside audit, underscoring the broader push toward AI-driven underwriting automation.
BPCE Group — Every one of BPCE Group's 100,000 staff can now access MAiA, its generative AI tool, with 50% firing it up daily for roughly 40 sessions apiece and the group logging over 2 million prompts a month overall. What started as a plain internal messaging assistant has grown into several dedicated bots tackling fraud prevention, legal services and customer relations, an example of AI in banking spreading through frontline roles. 75% of branch advisers already lean on these AI-powered tools routinely.
Bank Mellat — Bank Mellat's Dima app gives customers an AI banking assistant that carries out requests spoken or typed. On Android and the web, Dima also lets customers open accounts remotely, move money, request cards and use video banking. Bank Mellat claims Dima is Iran's first banking app whose voice-driven AI assistant adapts to users' age, gender and preferences.
Alliance Bank Malaysia — Alliance Bank Malaysia's Retail Loan Origination System (RLOS), built with CTOS Data Systems and JurisTech, has lifted application turnaround and staff efficiency by more than 30 percent, an early win for AI loan origination in Malaysian retail banking. The platform spans the whole lending journey, from lead capture and digital onboarding to decisioning, disbursement and credit administration, and mortgages, personal loans and credit cards now run on this automated loan approval system.
Rímac Seguros — Rímac Seguros now finishes vehicle insurance claims in one minute flat, down from a 48-hour manual slog, via AI claims processing. Peru's biggest insurer, over 30% market share, built a chatbot: drivers snap photos, share video, log the incident, and instantly pull coverage, deductible and repair shop info. This AI agent went live in November 2025.
FNB — NAVi, FNB's multi-agent virtual assistant inside the FNB App's Secure Chat, now handles fraud reporting, card replacement and debit order disputes, extending AI in retail banking beyond simple chatbots. Routine requests route automatically to NAVi, freeing advisors for harder cases; a pilot WhatsApp channel adds a verified line for banking queries. The phased South African launch underlines FNB's bet on an AI-powered banking assistant.
National Bank of Ukraine — AI adoption in Ukraine's financial sector has reached 64% of institutions, per a National Bank of Ukraine (NBU) survey of 208 regulated entities including banks and insurers. Of these, 23% described their use of AI or machine-learning tools as active rather than exploratory. Regulators pointed to the figures as proof the sector has moved from experimentation towards genuine practical use, with machine learning in Ukrainian banking now a working reality.
Activo Banco Universal — Activo Banco Universal now runs round-the-clock AI customer service chatbots, built on natural language processing, fielding client queries 24/7. Tricky cases route straight to human executives, cutting wait times. Announced at IA Tech Day, the bank's next step adds chatbots grasping conversational context.
InfinBANK — InfinBANK's AI credit scoring banking model gained 10% accuracy from new behavioural signals, part of an in-house AI stack built on Gemma and Llama, tuned for Uzbek and Russian. A hologram greets branch visitors; a Telegram bot answers queries. Its own data centre hosts the ML-based system, sharpening AI-driven customer risk assessment.
Banco de la Provincia de Buenos Aires — Argentina's Banco Provincia switched on PIA (Provincia Inteligencia Artificial) in November 2025, merging WhatsApp, website and social-media support into a single generative AI banking assistant for the Buenos Aires provincial lender. People asking about Cuenta DNI or Plazo Fijo accounts get tailored, conversational replies, while card controls, PIN resets and product lookups run non-stop with no staff needed. A once-fragmented helpdesk becomes one always-available AI virtual assistant for banking.
Nubank — Nubank's AI credit card limit increases in Brazil raised limits for some customers as its loan book grew 42% to US$30.4 billion in Q3 2025. Guilherme Lago said sharper credit analysis drove growth without matching risk. The AI-driven credit assessment also lifted revenue and profit.
Fiji Development Bank — Fiji Development Bank runs a 12-month AI credit assessment trial cutting loan turnaround for current customers. Its model blends records with behavioural signals, including WhatsApp and Viber history, yielding initial evaluations while FDB credit officers keep the final decision. Via the app, it spans unsecured loans to FJ$10,000 and secured loans to FJ$100,000, part of a shift toward AI loan approval for small businesses.
National Bank of Kazakhstan — An AI analyst for rate decisions is coming to Kazakhstan's central bank, offering independent input during Monetary Policy Committee sessions, the National Bank governor told the Central Asia Fintech Summit 2025. Built as a corporate AI tool, the system contributes views on agenda items without casting a vote, leaving ultimate authority with human officials — its role limited to automated economic analysis for monetary policy rather than decision-making itself.
Philippine Veterans Bank — PVB deployed an AI fraud detection platform for banking in 45 days flat, from signed contract to live production. Clari5 built the system, EFRM, an AI-powered Enterprise Fraud and Risk Management solution watching PVB's internet and mobile channels in real time. Its GenAI-ready design also helps the Philippine Veterans Bank meet Bangko Sentral ng Pilipinas compliance rules.
Monetary Authority of Singapore — MAS has proposed Guidelines on AI Risk Management for financial institutions, opening consultation on AI governance across Singapore's financial sector. Expectations span the AI life cycle: data handling, fairness, transparency, human oversight and third-party exposure. Scaled by firm size and reliance on generative AI and AI agents, the rules mean smaller players face lighter duties than larger, heavily automated ones.
Česká spořitelna — A round-the-clock digital assistant now welcomes customers at Future Lab, the new Prague site launched by Česká spořitelna as its first nonstop branch. Staffed continuously, 24 hours a day, this AI avatar in retail banking works alongside human staff, offering guidance on financial wellbeing and handling routine service requests. Specialists trained in artificial intelligence collaborate there with traditional bankers, marking the lender's first use of this AI-powered virtual banking assistant across its branches.
Freedom Bank Kazakhstan — Freedom Bank in Kazakhstan now runs an AI voice assistant for entrepreneurs, answering 119 spoken commands in Kazakh and Russian. Owners settle taxes, shift funds, clear loans, run payroll and raise invoices aloud, hearing the CEO's voice reply. Voice-driven banking automation reaches small-business tasks.
DBS — Singapore's DBS has logged over 120,000 unique chats with DBS Joy, a generative AI assistant, since February 2025 trials. DBS Joy delivers AI in corporate banking 24/7 via IDEAL to corporate clients and SMEs, about 4,000 monthly, lifting customer satisfaction scores 23%. Corporate banking AI for Hong Kong and India is planned.
Intesa Sanpaolo — More than 3,500 employees at Intesa Sanpaolo have used SkillGym, an AI role-play platform for managerial assessment built on conversations with profiled avatars. Roughly 400 sessions finished in eight months, earning the bank a SMAU 2025 Innovation Award. The tool reflects growing use of AI-driven leadership evaluation through scripted dialogue.
LHV — Estonia's LHV counts nearly 1,000 employees on ChatGPT Enterprise, with over three-quarters embedding AI in banking into everyday workflows. A RAG tool steers workers through dense rulebooks and contracts; machine learning further powers marketing and software output. Founder Rain Lõhmus favours free-form testing over outright bans on new tools.
Freedom Insurance — Freedom Insurance runs AI fraud detection insurance checks in Kazakhstan via the Sergek intelligent monitoring platform. Road camera footage confirms reported collisions, while vehicle usage patterns feed risk scoring for voluntary auto policies. This AI-driven insurance fraud detection method builds accurate risk profiles for underwriting.
Türkiye Finans — Financially stretched customers of Türkiye Finans can now settle credit card and financing debts entirely on mobile, via the bank's new Digital Restructuring tool for AI-powered debt restructuring, skipping a branch visit altogether. Automated scoring reviews each case and drafts a bespoke repayment schedule, extending AI-driven debt restructuring into everyday consumer banking in Türkiye.
JS Bank — JSense arrives as Pakistan's first AI banking chatbot, launched by JS Bank within its mobile app. Round-the-clock coverage spans product help, transaction steps, branch details and account queries, powered by natural language processing — a form of conversational AI in banking.
UOB — UOB's AI branch bots in banking now cover more than 40 Singapore locations, giving counter staff quick answers on products and services. Built by UOB's Innovation Group on an in-house Build-Your-Own-Bots platform, they belong to a bank-wide set of eight bots spanning HR and branch operations. Over 20,000 of UOB's 32,000 staff have trained on Microsoft Copilot, part of its generative AI adoption.
Grupo Financiero Banorte — Banorte's Tesorería Inteligente: a free AI treasury platform mining millions of transaction records for payment trends, customer profiles and salary benchmarks. SMEs, corporations and government entities get access at no charge, making AI-driven cash management standard, not a paid extra.
Bede Bahrain — Bede Bahrain now offers AI customer service via two tools on Zain Bahrain's AI infrastructure: a WhatsApp/website generative AI chatbot and an AI-generated voice replacing IVR prompts. Callers hear naturally spoken, locally tuned guidance instead of scripted menus; chat users get human-like replies on products, services and application status. The aim: round-the-clock 24/7 customer engagement across both channels.
Mibanco — Mibanco, part of Grupo Credicorp and Peru's leading microfinance lender, has introduced AI conversational banking on WhatsApp, built with Amazon Web Services. Since launching by November 2025, the service has let customers open digital accounts, check balances and view product details in the chat; a February 2026 stage adds credit applications, QR payments and transfers. Mibanco aims for its generative AI banking channel to resolve 90% of queries, with only 10% passed to human agents.
Bahrain Islamic Bank (BisB) — Bahrain Islamic Bank now answers Sharia questions instantly via Al Murshid, an AI Sharia advisory platform trained on 2,000-plus Fatwas its Sharia Supervisory Board has issued since 1979. Unveiled at the AAOIFI-IsDB conference, it extends AI in Islamic finance compliance across daily banking. The Digital Banker Global Islamic Finance Awards 2025 named it Best AI Initiative.
Suncorp — Australia's Suncorp is rolling out agentic AI in insurance at full scale, starting with claims lodgement and customer service use cases. Suncorp's CIO expects AI agents to reshape customer experiences and end-to-end processes entirely. Home claims teams now use a smart product disclosure statement tool.
Tata AIA Life Insurance — Tata AIA Life Insurance in India now automates AI-powered insurance underwriting via its GenAI-powered Underwriting Rule Engine (URE), pairing machine learning and big data analytics so applications clear without human review. Medical history and lifestyle data feed the URE, which scores risk instantly and settles approval or rejection alone. Tele-medical exams gain AI-driven reflexive questioning, cutting reliance on physical checks.
Choco Up — Approving an SME loan now takes hours instead of days thanks to Choco Up's AI Credit Assessment Engine. Coding agents scan and validate figures pulled from bank records, sales trends and growth forecasts, enabling AI credit assessment SME lending for the Singapore-based growth financing platform - an AI-powered SME loan approval process reaching requests up to USD 200,000. The goal: closing Asia's US$2 trillion SME funding gap.
Starling Bank — Starling Bank now runs Scam Intelligence, an AI purchase scam detection feature in its app — a UK first. Built on Google's Gemini models, it examines photos of marketplace items or ads for red flags: inflated prices, faked pictures, pushy sellers, alerting customers before they pay. This fraud-screening tool works fast.
KBC Asset Management — Algorithms now steer portfolio choices at KBC Asset Management in Belgium, marking a shift in AI investment management from support tool to primary driver. Machine-learning systems trained over several years scan markets and companies at scale, generating data-driven insights the investment committee acts on directly rather than merely reviewing. Final accountability still sits with people applying artificial intelligence in fund management, not the software itself.
National Bank of Kuwait — National Bank of Kuwait extended Microsoft Copilot to its entire workforce, marking a full-scale bank-wide launch of the AI assistant. Staff now lean on it to draft documents, work through complex data sets, condense information into summaries, and automate repetitive tasks, a shift that reflects growing generative AI in banking. The achievement won NBK an AI excellence award at the Microsoft AI Summit in Kuwait, underscoring how far AI assistant deployment in banking has progressed within the institution.
Banco Nacional de Bolivia (BNB) — BNB (Banco Nacional de Bolivia) built AI in banking operations that freeze, release and suspend accounts under judicial orders with no manual steps, lowering mistakes and legal exposure. Felaban crowned its agentic AI tool, Orquestación de Agentes de IA, top AI Innovation for Banks entry at CLAB 2025, ahead of competitors tackling similar court-driven compliance work.
Fubon Bank (Hong Kong) — Hong Kong retail banking sees its first generative AI credit origination tool as Fubon Bank (Hong Kong) rolls out Moody's Automated Credit Memo for corporate lending. The system builds credit memos automatically, cutting the time spent gathering and reviewing data before origination decisions. Fubon is named as the first such lender in the territory to deploy this kind of AI-driven credit memo automation.
Allianz Türkiye — Allianz Türkiye's Smart STP, applying AI in health insurance provisions, has handled 100 million transactions. Automated insurance approval now settles 92% of provision decisions autonomously, clearing cases within seconds so patients no longer wait at hospitals. Allianz put 3 million euros into AI projects across three years.
TD Bank Group — TD Bank Group's Layer 6 team built a GenAI virtual assistant for advisors: the Wealth Virtual Assistant, letting TD Wealth staff prompt for policy answers instead of searching multiple systems. This AI knowledge management system for wealth advisors frees time for personalised client advice.
CIBC — CIBC switched on CRTeX (CIBC Real-Time Experience) nationwide on 16 October 2025, an AI-powered personalisation engine for banking built in-house. Near real-time decisions merge with customer preferences so the tool shapes offers across phone, app, website and branch contact. This AI-driven client engagement platform, tied into CIBC's existing systems, keeps the experience uniform.
Mercado Pago — More than 60 financial tasks now run through spoken or typed requests, thanks to a new AI voice assistant for banking that Mercado Pago rolled out across Brazil. Balance enquiries, Pix transfers, savings scheduling and expense sorting all fall under this virtual assistant for finance, built on proprietary technology from Mercado Livre and reaching the customer base in stages. The launch marks the fintech's debut in this category anywhere across Latin America.
Signal Iduna — Signal Iduna has switched on Google Gemini Enterprise company-wide, letting German staff build custom AI agents via an internal system called Co SI — one of Europe's earliest full rollouts of generative AI in insurance. A narrower health-division assistant using AI agents for insurance staff already cut call transfers from 27% to 3% and raised processing speed by 37%.
Singlife — Agentic AI insurance debuts at Singlife, a first for Singapore's insurance sector via new ties with Salesforce Agentforce. Materials in Salesforce Data Cloud—product manuals, training guides, FAQs—feed an AI agent customer service system that sharpens staff precision and pace on enquiries. Adviser representatives gain the same access afterward.
Bank of Singapore — Source-of-wealth report drafting drops from 10 days to roughly one hour at Bank of Singapore, OCBC's private banking unit, following its rollout of an agentic AI wealth management tool called Source of Wealth Assistant. Relationship managers upload client files, and the system pulls out, organises and combines the relevant details automatically inside controlled processes. A human still checks and signs off every report before it goes out, and the bank's approach reflects growing use of AI in wealth management across Singapore.
Aditya Birla Capital — Aditya Birla Capital added four generative AI tools to its D2C platform ABCD: Sales Assist, Service Assist, Audit Assist and Marketing Assist, launched at Global Fintech Fest 2025. Agentic AI for sales and service now covers onboarding, underwriting and claims management, backed by GenAI voice bots for tele-sales and queries — an AI-powered customer service automation push across India.
Intercontinental Trust Limited — Mauritius's Intercontinental Trust Limited now runs Amelia, an AI receptionist for financial services, reportedly the first such tool at a local management company. This agentic AI system for client queries fields calls and recurring questions on offerings and vacancies, logging exchanges securely and freeing staff for higher-value work.
Sancor Seguros — Sancor Seguros built Clara in-house: the Argentine market's first conversational AI voice agent for insurance. It rings early-stage debtors, converses in plain language, hooks into core systems, and fires off WhatsApp payment links. Already live for affiliates, the AI-powered voice assistant in insurance is billed by the firm as a sector milestone.
If Skadeforsikring — Denmark's largest insurer opened IfGPT, a generative AI chatbot for insurance customers, to over 200,000 Danish private customers, using if.dk material to handle home, car and travel cover queries. If expects this tool plus TopGPT will jointly resolve beyond 200,000 enquiries yearly, an AI-powered virtual assistant setup spanning both.
HNB Assurance PLC — HNB Assurance deployed HANA, an AI insurance chatbot for policy queries and claims. NLP and machine learning resolve complex requests and link to core systems, giving Sri Lankan customers 24/7 access via an always-on digital assistant.
Bank of Japan — About 50% of financial institutions surveyed by the Bank of Japan already deploy generative AI in banking, its FY2025 poll of 153 firms found. Counting pilots pushes that share past 70%, and including firms merely weighing adoption drives it beyond 90%. Officials cited swift AI adoption in financial institutions nationwide, yet flagged weak usage monitoring and third-party risk oversight.
STC Bank — STC Bank has deployed FOCAL, Mozn's AI fraud prevention platform, using real-time intelligence and automated compliance checks against financial crime. This supports AI fraud detection in banking, protecting customers as Saudi Arabia's digital sector grows. Mozn, a regional enterprise AI leader, calls FOCAL its flagship AI-driven financial crime prevention tool.
GFX Brokers — GFX Brokers built Kojo, an AI Eurobond sales agent running inside WhatsApp for Sub-Saharan clients. Built on Salesforce Agentforce with partner Evolf, it delivers live securities pricing, handles queries and lets buyers haggle bids and offers by text, cutting out calls and email. It turns the broker dealer's chat app into a bond trading channel.
tbi bank — Bulgaria now has its first AI agent in banking, deployed by tbi bank to reshape operational workflows. A task once needing 37 minutes of staff time now finishes in 2.76 seconds, as the tool pulls and refreshes records from public institutional databases without manual input. Running inside the SYNCRO AI platform alongside hundreds of RPA robots already in place, this addition to bank AI automation shifts employee focus toward higher-value strategic work.
Dhaka Bank PLC — Dhaka Bank PLC's eRin Device APP gives Bangladesh its first AI-driven digital loan platform, built with Samsung Electronics and Banglalink for financing smartphones and smart devices. AI-based lending now judges creditworthiness and speeds approvals for service professionals, micro-entrepreneurs and underserved communities.
Cathay Life Insurance (Guotai Life) — Taiwan's insurance regulator has approved Cathay Life Insurance to pilot facial recognition for policy signing, replacing 8 to 13 signatures per document with one signature plus two face scans. The face recognition insurance trial runs at two sites, finishing by end of 2025 before wider rollout of the biometric verification system.
Sense Bank — Sense Bank now runs an AI assistant for customer support built on the NovaTalks platform, pairing scripted chatbots for common enquiries with live operator backup, all linked to the bank's CRM. One system now covers contact centre calls, Viber and in-app chat, so routine messages get handled automatically rather than by staff. This omnichannel setup for AI in banking customer service pairs with a separate lending conveyor, where AI reviews documents and sets credit limits.
ČSOB and KBC Asset Management — ČSOB and KBC Asset Management debuted Enhanced Intelligence, Slovakia's first AI-managed investment fund. Nearly 200 mathematical models process over 1,200 economic and market indicators spanning 25 years of history, an algorithmic asset management approach where a human expert signs off on each decision.
Credit Agricole Bank Polska — Mizzox, Credit Agricole Bank Polska's new AI digital assistant for business banking, now sits inside the CA24 Mobile app for corporate customers. Natural-language search powers the tool, letting users pull up documents, draft reports and track projects through simple queries. Subscribers reach it via basic or advanced tiers under the bank's Klub Korzyści rewards scheme, one variant of an AI-powered virtual assistant for business clients.
KB Insurance — South Korea's KB Insurance runs an AI agent car accident fault assessment tool, calculating fault ratios for reported crashes via automated liability determination instead of manual guideline checks. Called the Automobile Accident Fault Ratio AI Agent, the generative AI system reads claim details and assigns splits alone, speeding claims and payouts.
AtlantaSanad Assurance — AtlantaSanad Assurance rolls out Assia, Morocco's first AI insurance assistant, staffing the insurer's site 24/7 to resolve queries instantly. Claimants get guidance on car accidents and the friendly accident report, a list of needed paperwork, and notes on contract guarantees and coverage caps. Assia covers subscriptions, claims handling and buybacks too, marking Morocco's debut round-the-clock virtual insurance assistant.
HSBC — HSBC Private Bank staff in Singapore and Hong Kong use Wealth Intelligence, a generative AI private banking tool on OpenAI's LLM. It sifts 10,000-plus outside feeds, sharpening how fast relationship managers spot market shifts and craft client-specific plans. HSBC will extend this AI wealth management platform elsewhere.
Westpac — Westpac has deployed Microsoft Copilot Studio organisation-wide for AI agent development within a governed setup, letting employees build their own generative AI agents. Dashboard queries via natural language are already possible through assistants embedded in SharePoint.
Financial Services Commission, Mauritius — Mauritius's Financial Services Commission (FSC) binds regulated financial institutions to nine principles for AI in financial services. Fintech Series Guidance Notes No. 4 on the Responsible Use of Artificial Intelligence in Financial Services lists fairness, bias mitigation, transparency, accountability, privacy, security, sustainability, human-centricity, monitoring and ethics, effective 19 September 2025. This marks a formal step toward AI governance in insurance and wealth management.
Bank of Thailand (BOT) — Thai bank and payment-firm boards now bear direct responsibility for AI outcomes under Bank of Thailand rules built on fairness, ethics, accountability and transparency (FEAT). Its AI Risk Management Guidelines demand human oversight, strong data quality, explainable models and cybersecurity protection at every deployment stage, reinforcing wider AI regulation for financial services.
MoMo — MoMo has rolled out iProov Dynamic Liveness to tens of millions of users in Vietnam, applying AI fraud detection in fintech against deepfakes and digital-injection attacks. This makes MoMo iProov's first national partner and meets State Bank of Vietnam Decision 2345's call for stronger biometric identity verification for payments.
MAE Assurances — A sector first: MAE, Tunisia's Mutual Insurance of Education (Mutuelle Assurance de l'Education), has switched on an AI insurance agent reachable 24/7 through its app and site. Members get instant replies on coverage and step-by-step help with paperwork from this AI-powered conversational agent for insurance. The tool supplements human advisors rather than replacing them.
Zoho (survey by) — AI adoption Nigeria is accelerating: Zoho's poll of 386 respondents put the figure at 93%, financial services leading at 29%. Over 50% have moved past pilots into full operational use, part of a wider shift in AI in Nigerian business. Customer service automation tops applications at 49%, ahead of software development at 46% and marketing optimisation at 32%.
ACBS (ACB Securities) — ACB Securities (ACBS) embedded an AI stock analysis assistant, SMARTY, in its ACBS SMART app for Vietnamese clients. The AI investment assistant runs on Amazon Bedrock and Anthropic's Claude 3.7 as a multi-agent setup, mining reports to pitch trades, field questions and steer tactics free, geared toward retail traders over fund managers.
Direct Pojišťovna — 30% of windscreen claims at Direct Pojišťovna now close with zero human input via AI claims automation insurance. Artificial intelligence in claims processing drafts the file for the other 70%, cutting staff work to near nothing. Speed: 2 minutes per claim, down from 15, non-stop.
Postbank (Eurobank Bulgaria AD) — Over 1.2 million people in Bulgaria have used Postbank's EVA AI banking assistant, which has logged more than 8 million queries to date. Usage is climbing fast: 320,000 exchanges came in just the first seven months of 2025, putting the full-year figure on track near 560,000. Reply speed now sits under 0.1 seconds thanks to a freshly deployed model, and the banking chatbot's topic range has widened past 800 areas since debuting in 2018 as the nation's first of its kind.
TBC Bank — TBC Bank debuts Georgia's first generative AI banking chatbot, built in-house. The assistant parses customer questions and gives thorough financial guidance, with skills set to grow through ongoing learning. Live now on the lender's website, the AI virtual assistant for banking should later reach every TBC digital channel.
Kuwait Finance House — Kuwait Finance House (KFH) launched staff tools for AI in Islamic banking. ShariaBot, a virtual Islamic finance expert, answers Sharia-compliant banking queries citing KFH's Sharia Supervisory Board fatwas; ComplianceBot covers Central Bank of Kuwait regulation and licensing. AI Copilot organises daily tasks; Speech Analytics transcribes calls; Automated Quality Management scores customer calls against predefined standards. Islamic banking AI adds a smart data analytics initiative.
SBI Insurance (SBI Ikikai Shoutanki) — Callers to Miyazaki Business Centre are now greeted by an AI voice bot insurance call centre system built for SBI Group's insurer SBI Ikikai Shoutanki Hoken, resolving over 70% of inquiries unaided. Mobirus's agent-type voice engine powers this AI customer service in insurance, trimming handoffs to staff by 63%.
MUFG Trust Bank — Mitsubishi UFJ Trust Bank now runs ASSIST, a Kasanae-built generative AI assistant retail banking tool, across roughly 2,000 staff in Japan who consult it daily on manuals, rules and procedures. The system shortens time otherwise lost searching for answers and handling queries. This AI staff support tool for banking operations is projected to yield savings near six thousand five hundred working hours a year.
PwC Ghana — Ghana's bank chief executives are embracing generative AI in corporate banking, with 68% confirming use of the technology across 2024, according to PwC's 2025 Ghana Banking Survey. Chatbots now handle personalised customer interactions at several lenders, while staff lean on tools like ChatGPT to speed up everyday internal tasks. That level of uptake signals a clear shift toward automation spanning both front-line service and behind-the-scenes operations, a trend in AI adoption across banking that the survey highlights.
National Bank of Ethiopia — AI transaction monitoring in banking is now catching irregular activity across Ethiopia, credited to the National Bank of Ethiopia under Governor Mamo Mihertu. This AI-powered fraud detection system, spanning lenders and fintech operators, has already frozen 138 accounts linked to suspicious dealings. The rollout, officials say, feeds into a broader campaign against illicit cross-border transfers and terrorism financing.
Lunar — 85% of incoming customer queries at Lunar now get resolved by its AI customer service tool without human intervention, the Nordic challenger bank's best figure since the AI Support feature debuted in summer 2024. Satisfaction stays high too: 65% of those automated cases got a 4 or 5 out of 5 rating from users. This Denmark-based fintech's overall Trustpilot score, built on over 24,000 reviews, sits at 4.6 — evidence that AI in customer service can scale without hurting scores.
Samsung Fire & Marine Insurance — Samsung Fire & Marine Insurance in South Korea now applies AI claims review medical insurance processing, automating cancer diagnosis checks and surgery benefit payouts. Generative AI with optical character recognition scans records up to 48 pages, extracting data from diagnosis paperwork and lab results without manual work. The insurer reports faster, more accurate claims processing.
Community Bank Bangladesh PLC — MSME lending in Bangladesh now runs through an AI credit scoring for MSMEs tool built by Community Bank Bangladesh PLC with partners PriyoShop and Insights Genie, the first alternative scoring model of its kind in the country. Rather than relying on collateral, it weighs demographic data, purchase patterns, psychometric signals and behavioural analytics to judge creditworthiness, opening short-term loans to small retailers long excluded from formal banking via a fast eKYC process. This small business credit assessment marks a shift from conventional collateral-based lending.
African Bank — African Bank's payment channels now run on INETCO BullzAI, an AI transaction firewall supplied by NCR Atleos, catching fraud the instant it occurs. Models retrain continuously after each transaction, letting the fraud detection system flag emerging schemes early.
IAG — Insurance Australia Group runs AI property claims assessment on every claim, flagging urgent make-safe repairs after a hazard via generative AI. Automated review replaced contractor site visits, saving hundreds of thousands of dollars and beating manual accuracy. IAG applies this damage-assessment approach fleet-wide.
Banco de Occidente — Banco de Occidente, with AWS and Aval Digital Lab, built ARI (Intelligent Responses Assistant), an AI customer service banking tool checking PQRS replies against nine criteria. Sampling rose from 5% to 36% across 4,072 responses, review time fell to 1.3 minutes (17.3x faster), 95% compliance under this AI-assisted support process.
Cornerstone Insurance — Nigeria's Cornerstone Insurance Plc deployed Cici, an AI chatbot in insurance, spanning several digital channels. Policyholders now secure pre-priced cover and resolve claims via the generative AI-powered chatbot, capable of managing numerous enquiries together through adaptive, situation-aware exchanges instead of scripted replies.
Iute Macedonia — Iute Macedonia, within Estonia's Iute Group, now runs North Macedonia's first fully automated loan decision engine. The AI credit approval system blends official institutional records with machine learning risk segmentation, shrinking turnaround on consumer and earmarked loans from 15 minutes to 3, an early instance of automated lending needing barely any staff input.
DNB — Norway's largest bank is extending Microsoft Copilot to 5,000 staff, adding 3,000 more employees after a trial among 2,000 found 95% using the assistant weekly. DNB frames this AI deployment in banking as building internal skills through wider AI tool rollout in banking rather than chasing quick, quantifiable gains.
Baiduri Bank — Baiduri Bank claims Brunei Darussalam's first generative AI banking customer service launch, rebuilding Emmi from a declarative chatbot into a model handling complex queries with tailored replies. Unveiled at TechXpo 2025, it is also being piloted on WhatsApp, extending conversational AI for customer support beyond the bank's app.
Ryt Bank — Over 50,000 Malaysians tap Ryt Bank, a YTL Group and Sea Limited venture billed as the world's first AI-powered bank, logging some 80,000 transactions monthly. Talking replaces tapping: assistant Ryt AI, built on homegrown model ILMU, moves funds via plain speech, not menus. Chat is the interface in this AI-driven banking design.
Storebrand Bank — Storebrand Bank's generative AI chatbot handles 40% of customer traffic, answering queries and completing tasks like ordering BankID. This AI customer service banking deployment cut average wait times to 22 seconds and phone enquiries by 23%, while satisfaction rose 43% where the GPT chatbot was used. It stands as one of Norway's more detailed published rollouts of a virtual assistant handling routine banking requests.
PREMIUM poisťovňa — Slovakia's first AI advisory tool insurance intermediaries can use came from PREMIUM poisťovňa, built on OpenAI technology. Agents get replies in seconds from policy files, legislation and guidance, instead of hours of manual search. Humans still judge each case; the assistant for insurance intermediaries only shortens retrieval.
Shinhan Securities Vietnam — Shinhan Securities Vietnam embedded S-Era, an AI stock assistant, into its 'Sàn Xịn Ha' trading app, arming users with live pricing, forecasts, condensed news, equity analysis and valuations through charts or text, plus Q&A follow-up. This puts AI-driven stock analysis inside a Vietnamese brokerage's daily toolkit.
Bank of the Philippine Islands — Bank of the Philippine Islands (BPI) gave its 24/7 AI banking chatbot, BEA Chat, a real-time service request tracker, product applications and personalised replies within three seconds. Via BPI's website and Facebook page, the conversational assistant fields banking questions and self-service requests, routing complex cases to live agents.
Cámara de Aseguradores y Reaseguradores de la República Dominicana (CADOAR) — CADOAR (Cámara de Aseguradores y Reaseguradores de la República Dominicana) has launched Cadia, an AI assistant for insurance sector use, built on CrecerLab's Lisa platform. Cadia answers real-time information requests from insurers, brokers, regulators and the public, modernising access to insurance-sector data in the Dominican Republic. The rollout gives the industry a shared conversational AI channel for enquiries once handled manually.
Kifiya Financial Technology — Kifiya Financial Technology's AI credit scoring has unlocked over 35 billion Ethiopian birr in collateral-free financing for 467,700 micro, small and medium-sized enterprises, backed by the Mastercard Foundation. Alternative data and predictive analytics replace conventional credit history, reaching 355,027 women entrepreneurs and sustaining a million jobs. This algorithmic loan assessment aids collateral-free capital access.
BBVA México — Touch-tone IVR menus are gone at BBVA México, swapped out for Blue, a generative AI assistant fielding customer calls in natural language across 63 million annual calls — an AI customer service in banking overhaul. The bank claims this generative AI virtual assistant for call centres picks up caller intent correctly over 90% of the time immediately, trimming resolution from four minutes down to under sixty seconds, though the numbers remain BBVA's own and independently unaudited.
Tokio Marine Insurance UAE — Tokio Marine Insurance UAE now registers claims 90% faster after deploying AI document automation insurance with Kodak Alaris. Microsoft Document AI drives the Info Input platform behind this, tripling daily capacity while manual exceptions fell 60%. Motor policies make up most of the roughly 600 claims handled daily in this AI-driven claims workflow.
SMBC (Sumitomo Mitsui Banking Corporation) — An AI CEO chatbot answering as Sumitomo Mitsui Financial Group's Tatsuru Nakajima now handles staff questions, drawing on his past remarks via OpenAI's GPT-4o and RAG to mimic his reasoning as an AI-powered executive assistant. A Microsoft-based avatar version is still being built. SMBC calls it a route to normalising generative AI among staff.
ZhongBang Bank — ZhongBang Bank, an internet transaction lender in Wuhan, now uses an AI smart marketing assistant powered by large language models to serve WeCom customer engagement. Chats are parsed automatically, matched to intent, and answered with recommended knowledge and rewritten replies, cutting labour costs by 25% while raising response speed 20% and operational efficiency nearly 30%, the bank said, having shown it at the 2025 World Artificial Intelligence Conference in July.
FirstBank of Nigeria — FirstBank of Nigeria now offers Fibani, an always-on AI chatbot in corporate banking built into its digital platforms. The virtual banking assistant opens accounts, checks balances, moves funds, fields loan queries, logs ATM dispense errors, and lets users freeze accounts or blacklist USSD for security.
United Bank for Africa (UBA) — LEO, UBA's AI chatbot in banking, now settles cross-border transfers through the Pan-African Payment and Settlement System (PAPSS), a continental first. Funds move instantly in local currency between African nations via the chatbot for banking transactions, with no separate system required.
Wells Fargo — 215,000 Wells Fargo staff are gaining AI agents in banking through a widened Google Cloud tie-up centred on the Agentspace platform, part of a broader push toward agentic AI for banking. Contract work, foreign exchange questions, customer support and internal research now run through these tools. NotebookLM and Deep Research launched first with roughly 2,000 people, ahead of a phased wider rollout.
Central Bank of Jordan — Lenders in Jordan face fresh duties on governance, risk controls and data privacy after the Central Bank of Jordan (CBJ) rolled out an AI regulatory framework for banking. Institutions must keep AI models under constant scrutiny and staff dedicated units with clear accountability. A Steering Committee on Artificial Intelligence and Emerging and Future Technologies takes charge of rollout, tying this to wider AI governance in the banking sector.
Generali Česká pojišťovna — AI property valuation underpins Generali Česká pojišťovna's new tool, Můj majetek 2.0. Map data and street-view imagery let the system estimate built-up area and roof style, checked against land registry records to set a fitting insured sum. Planned upgrades to this AI in building insurance underwriting will extend recognition to chimneys, solar panels, roof windows, and building storeys.
Ethniki Asfalistiki (National Insurance) — Ethniki Asfalistiki now settles claims in 2-3 minutes, running AI claims processing in insurance with Archeio8iki on the AI Flows platform. Vision models, OCR and language models scan medical files, sort them and pull the fields, an automated insurance document workflow. High-confidence cases skip straight to payout.
Commercial International Bank Egypt (CIB) — AI in lending now delivers automated credit decisions for new customers at Commercial International Bank Egypt (CIB), one of three live deployments there. InsightGini, a bespoke build on Dataiku, trims report effort 70% via a fine-tuned LLM; a separate tool ranks contact centre callers by sale likelihood, turning the unit profitable and cutting effort on targeted calls 80%.
Bank SinoPac (Yongfeng Bank) — Yongfeng Bank's AI agent in banking, "Yongfeng iWish," spans all 125 branches in Taiwan, taking spoken, typed or photographed deposit, withdrawal, transfer and remittance requests. By December 2025, this conversational banking tool tallied 80,000 transactions (8万), hit 95% satisfaction, cut counter time 30% and voice waits 70%.
Policybazaar for Business — ClaimSetu, built by Policybazaar for Business, chases a 50% quicker group health reimbursement cycle through AI in health insurance claims. NLP and OCR sift paperwork, catch mismatches and flag fraud while scoring submissions instantly, letting corporate insurers cut delays with AI-powered claims processing.
Univé — Univé now runs AI car damage claims through SchadeCheck, letting Dutch motor policyholders check in under 10 minutes whether a small claim is worth filing. A photo taken in the Univé app feeds the system, which calculates likely repair bills and flags the hit to no-claims discount before anyone commits to claiming. No other insurer in the Netherlands has paired this kind of AI damage assessment with photo recognition, and Univé is starting with the 10,000 to 15,000 single-party cases it processes yearly.
Royal Bank of Canada — ATOM (Asynchronous Temporal Model), Royal Bank of Canada's proprietary foundation model, now powers credit adjudication and personalised Avion Rewards suggestions for 1.3 million monthly users, marking a live case of AI in corporate banking. The system draws on billions of client transactions through RBC's Lumina data platform. This machine learning in financial services rollout anchors RBC's targeted $700 million to $1 billion in AI-driven value by 2027.
Jyoti Bikas Bank — To mark 18 years in business, Jyoti Bikas Bank rolled out Jyoti, an AI chatbot for banking customer service, reachable any hour via a simple, multilingual interface. It answers account questions instantly, widening the lender's digital service footprint in Nepal.
die Bayerische — Dental policies are the proving ground for German AI insurance application support: die Bayerische's assistant LEA steers buyers through finishing forms on screen. Startup muffintech co-built the system, next expanding into household cover. Examiners scored LEA 98% on an IHK-style exam, calling this digital insurance application tool muffintech's first venture into active selling over mere support.
United Bulgarian Bank (UBB) — Autonomy at UBB's AI assistant in banking, Kate, climbed to 71% in 2025 from 54% when she launched. Customer engagement surged too: 762,573 people held nearly 2.2 million conversations with Kate from January to June 2025 alone, marking a 4.5-fold rise in users and 6.5-fold rise in exchanges versus her first year. Kate now performs work equal to 25 employees and moved 50,000 vignettes in 2025, while UBB Asset Management's AI-managed mutual fund attracted EUR 23.3 million from 597 investors.
Axis Trustee Services — AVA (Axis Trustee Virtual Assistant), built by Axis Bank subsidiary Axis Trustee Services, marks India's first AI chatbot for trustee services. The assistant resolves product and service questions instantly, tracks pending requests, and clears up transaction issues touching paperwork, regulatory rules and compliance checks — an early example of an AI-driven fiduciary support tool in this sector.
Bank of Baku — Round-the-clock digital support for Bank of Baku customers now comes from BOBAI, a newly launched AI virtual assistant customer service tool hosted on bankofbaku.com and Bolkart.az. Available 24/7, it handles queries on products and services while routing trickier issues to human staff. The rollout marks another step in the lender's push toward full digital transformation in Azerbaijan, extending its AI chatbot for banking support beyond typical business hours.
United Bank for Africa (UBA) — United Bank for Africa's AI chatbot LEO now handles instant cross-border payments for customers in Cameroon, an African first for AI-powered virtual assistant money transfers between countries. It runs on the Pan-African Payment and Settlement System (PAPSS), settling in local currency within seconds and sparing users the multi-day waits and higher costs of older channels.
ING Türkiye — ING Türkiye posts an 85% success rate in business processes through a bank-wide AI in banking operations rollout, active since early 2025. Generative AI in banking now reviews documents, wins new customers and handles back-office duties, letting employees focus on richer client relationships instead.
Migros Bank — Several AI assistants now operate live at Migros Bank across customer and staff workflows, Thomas Greuter said, marking a shift toward AI customer service in banking that answers general enquiries continuously. Contact staff instead get drafted email replies from a separate tool, reviewing each before sending. A daily-refreshed, curated knowledge base keeps accuracy high and limits hallucinated output — the bank's AI assistant for banking enquiries in practice.
Česká spořitelna — Česká spořitelna leads Czech banks in wiring OpenAI technology into its customer voicebot, an early case of generative AI in banking now fixing meeting times and firing off outbound calls unprompted. 40% of its roughly 35,000 monthly calls close with zero human touch, and the bank's own count puts bookings past 2,000 a month via this AI voicebot for banking, plus less phone time for staff.
BNP Paribas Corporate & Institutional Banking — BNP Paribas Corporate & Institutional Banking now gives 43,000 staff and contractors secured in-house GPT access via LLM@CIB, part of a '1+5' push on AI in corporate banking. Noa, its portal-based agent inside Centric and Neolink, handles 100,000 clients' basic queries non-stop, spreading generative AI for banking staff into customer service too. Separate specialist systems back sales, research, IT development, operations and risk.
Bradesco — Bradesco has launched Pix by voice on WhatsApp, driven by generative AI assistant BIA, enabling customers to move up to R$300 through spoken instructions or typed chat. A trial group of 1,000 clients in Brazil received early access, before a wider voice banking rollout scheduled for year-end.
Zurich Malaysia — Zurich Malaysia's Z Buddy answers agents' questions via WhatsApp on travel and motor cover, claims steps and product details. This AI insurance assistant speeds up routine tasks and lightens the load on Zurich's distribution network. As a virtual assistant for insurance agents, it frees staff for selling and servicing policies.
The AA — Breakdown and insurance queries at The AA now go to boost.ai AI customer service agents, live on web within 30 days and on WhatsApp a month later. Over 90% of replies land accurately, and more than 45% of conversations never reach a human handler, thanks to this hybrid generative AI deployment.
VietinBank — Built on Microsoft Azure AI Foundry, VietinBank's Genie assistant fielded 350,000 staff queries within two months, serving Vietnam's banking workforce. Drawing on 2,000 processes and 500 financial indicators, this AI in banking operations tool slashed response delays by 95%, sparing hundreds of thousands of monthly work hours through generative banking AI.
DSK Bank — DSK Bank rolled out Bulgaria's first fully AI-based assistant, an AI banking assistant driven by OpenAI's generative AI and trained on contextual data about its own offerings. Available via the bank's website and dskdirect.bg, it answers queries on products, charges and fees, an early AI-powered banking assistant example locally. Plans call for it to become a personal financial advisor giving recommendations and completing tasks with little staff input.
Kooperativa pojišťovna — Kooperativa Insurance and MAMA AI built the Czech Republic's first fully automated agentic AI claims processing life insurance system, needing zero human input between the initial report and the eventual payout call. Easy cases finish in roughly 12 seconds typically, whereas trickier ones get bumped over to a human adjuster instead. A homegrown composite model, custom-trained, powers this shift toward automated life insurance claims handling.
ERGO Versicherung AG in Österreich — ERGO Versicherung in Österreich now bases motor costs on WTW's Radar Live, an AI pricing platform for motor insurance and its main engine. Live data feeds algorithms weighing flexible excess and coverage variants per driver — pushing the insurer toward AI-driven premium calculation.
Allied Irish Banks (AIB) — Roughly 10,000 AIB staff now have Microsoft 365 Copilot built into Outlook, Word, Excel, Teams and PowerPoint, an early step in AI in banking. A dedicated AI Centre of Excellence develops bespoke tools using Copilot Studio, and coders will soon receive GitHub Copilot to speed development.
Faisal Islamic Bank of Egypt (FIBE) — Faisal Islamic Bank of Egypt (FIBE) switched on an AI-powered digital banking platform, Intellect Design Arena's eMACH.ai Digital Engagement Platform, bundling chatbots, self-service and three-minute onboarding. Retail customers get it first; SME and corporate clients follow as coverage widens, pointing to broader automated finance in Egypt.
Wiener osiguranje — Wienka, Wiener osiguranje's new AI insurance chatbot, gives Croatian customers 24/7 access to policy details, claims status, debts and agent contacts. Billed as the market's first such virtual assistant for insurance, it answers routine questions instantly, cutting the need for phone calls or branch visits.
Erste Bank Hungary — Erste Bank Hungary now answers complex retail banking questions in seconds via an in-house, OpenAI-based AI assistant in banking spanning branches and call centres. Drawing on documents covering policies, announcements and terms, this AI banking assistant frees staff from manual lookups toward customer relationships.
Banco de Crédito del Perú (BCP) — Banco de Crédito del Perú wired generative AI into Clara, its WhatsApp helper, a Peru banking chatbot leap dated July 2025. Clara reads urgency or frustration, catches a stolen-card alert needing swift handling, and untangles messy, open-ended loan or account questions with smoother, humanlike answers. BCP already topped Peru's lenders in running AI via phone banking, a generative AI banking assistant first this launch extends.
Commercial Bank of Ceylon — Commercial Bank of Ceylon unveils Sri Lanka's first AI-powered SME credit underwriting system, engineered with a global consultancy. Predictive analytics now drive faster, tailored loan decisions for small firms, marking a fresh use of AI in commercial banking.
Land and Houses Bank (LH Bank) — LH Bank built LISA, an AI chatbot for banking staff, using Sertis technology hosted on AWS. Workers now get faster answers on internal procedures, plus help with task management, cutting time spent hunting for information across departments through this workplace AI assistant.
CaixaBank — Card holders using CaixaBank's mobile app can query a generative AI agent for product exploration, comparing options and recommending a match. Google Cloud supplies the technology; 200,000 customers gained access in the initial card-products phase, with this AI-based financial product recommendation tool anchoring the bank's 2025-2027 Strategic Plan for generative AI.
TD Bank Group — TD Bank Group has piloted the TD Securities AI Virtual Assistant, a proprietary generative AI chatbot for institutional sales, trading and research staff answering clients faster. It uses retrieval-augmented generation and text-to-SQL to scan internal research documents, an AI virtual assistant in banking for internal workflows, not direct customer contact.
FinecoBank — FinecoBank's Portafoglio AI, built into the X-Net platform, turns a five-day process into under a minute. It delivers AI investment strategies for financial advisors: automatic projected returns, backtests and commentary, packaged as an AI-driven portfolio construction report, no manual work needed.
Central Bank of Kenya — Credit risk scoring tops the list of AI in Kenyan banking, Central Bank of Kenya reports, cited by 65% of lenders already deploying the technology. Guarding against fraud follows at 54%, handling customers at 43% — though half of those polled had adopted none of it. Digital lenders far exceed traditional banks in applying AI-driven credit risk assessment, 80% versus 45%.
HNB General Insurance — HNBGI NEXA, an AI chatbot for insurance customer support, now runs on HNB General Insurance's site. Indian InsurTech firm AccelTree Software built it for round-the-clock routine queries, forwarding harder cases to the hotline.
Magyar Nemzeti Bank (MNB) and GIRO Zrt. — Hungary now runs real-time AI fraud detection in banking via the Central Fraud Detection System (CFDS), built by Magyar Nemzeti Bank and GIRO Zrt. to flag risky instant transfers within seconds. Lenders feed it payment data and fold its scores into their defences, anchoring wider continuous payment fraud monitoring.
Kuwait Finance House — Kuwait Finance House (KFH) has installed Fahad, the country's first AI-powered virtual employee, in a first phase at its The Avenues mall branch (Phase Four). Available around the clock, this digital bank employee explains banking services, fields customer questions and helps customers with ATM use.
Maib — Maib built ami, an AI virtual assistant for business clients, replying non-stop rather than routing queries to staff. Corporate users in Moldova reach it via website chat, Viber, Telegram and Facebook, bypassing the 1314 contact centre or a branch. This AI-powered chatbot for corporate customers was made in-house, not bought from a vendor.
I&M Bank — Kenya's I&M Bank now runs ThetaRay's cognitive AI anti-money laundering platform group-wide, covering Tanzania, Rwanda, Uganda and Mauritius too. One AI-driven engine now handles account opening, sanctions checks, monitoring, alerts and filings to regulators, swapping out older, fragmented compliance software.
BSP Financial Group — BSP Financial Group, Papua New Guinea's largest bank, has adopted SmartStream Technologies' Affinity module, an AI-driven tool for exception management in banking using observational learning to support automated exception management and data-based decisions. Nuni Kulu said the change cut manual work and lifted accuracy for over two million customers across PNG and the Pacific.
Eurobank Cyprus — Cyprus now hosts what Eurobank terms Europe's first enterprise-grade agentic AI voice platform, developed alongside Fairfax Digital Services and Voicing.AI. Staff hold lifelike spoken exchanges with these AI voice agents, which resolve IT questions and run operational chores unaided. Eurobank next plans wider adoption spanning HR, compliance and customer-facing roles.
First Abu Dhabi Bank — FAB now runs AI debt management on Intellect's eMACH.ai Lending platform, tying over ten systems together for live credit-book oversight and automated collections. First Abu Dhabi Bank sees it as one step toward AI-driven loan collection, aiming for full automation within five years.
Banco Nacional de Costa Rica — Banco Nacional, Costa Rica's largest state-owned lender, adopted AI cybersecurity tools between June 2024 and June 2025, sharpening detection of digital intrusions and speeding up its reaction to them. That upgrade helped judges award the bank its fifth Bank of the Year title, calling the AI-driven threat detection one of the strongest factors behind the win.
Aseguradora General — Aseguradora General added voice-message support to Sofía, its AI insurance quoting assistant in Guatemala, joining the existing WhatsApp and text channels in version 5.0. Customers now speak natural-language requests to get auto and medical expense insurance quotes in under a minute. This virtual insurance assistant has handled over 60,000 auto quotes and 5,000-plus medical quotes since debuting in 2024 as the country's first such tool.
MB Bank — MB Bank (Military Commercial Joint Stock Bank) has halted hundreds of billions of Vietnamese dong in suspected fraud after rolling out AI fraud detection in banking beyond earlier pilot work. Vice Chairman Vu Thanh Trung pointed to automated screening as the driver, while AI-driven banking fraud prevention now supports retail sales staff and broader internal efficiency.
Absa Bank — Abby, agentic AI in business banking from Absa Bank, built on Salesforce's Agentforce platform, gives South African firms instant loan and investment guidance. Africa's first such rollout targets client service. Absa projects the AI banking assistant will double contact centre output.
Zürcher Kantonalbank (ZKB) — Zürcher Kantonalbank now lets ZKB ChatGPT, its in-house AI tool, handle harder tasks beyond simple research and drafting: building credit profiles for major corporate borrowers. Structured Finance staff feed the system data lifted from annual reports so it can produce a first-pass profile, an early instance of AI credit profiling, before specialists check the result. This AI in credit processes runs on Microsoft Azure and reached broader departmental rollout following a two-month pilot.
Bank of Georgia — Georgia's Bank of Georgia has rolled out Smart Loan, billed as the region's first AI-powered SME loan for small and medium enterprises. Approval takes under two minutes, with the system generating tailored financing offers automatically rather than through manual underwriting. The bank presents this as a shift in how business borrowers in the country obtain rapid access to credit through AI in SME lending.
National Bank of Georgia — Georgia's central bank has opened its Regulatory Laboratory to fintech firms testing AI in banking, letting companies trial new tools under supervision before wider rollout. The National Bank of Georgia's sandbox for AI-driven financial technology lets advanced systems enter the sector safely, replacing unsupervised deployment. Applications close October 2025.
Banco do Brasil — Banco do Brasil has built an AI personal finance manager into its Minhas Finanças Multibanco app, giving retail customers tailored credit line and investment tips from their financial profile. It claims to be Brazil's first bank offering AI-driven investment suggestions personalised this way.
Gránit Bank — Gránit Bank's new AI agent Gránit Guru now handles AI mortgage loan processing alongside staff, reviewing documents and applications. Automation should climb to 80-90 per cent, well past the 30-40 per cent reached through earlier digital upgrades. This deepens Gránit Bank's shift toward AI-assisted lending in Hungary.
Banco del Austro — Instant credit approvals, once a two-hour wait, are now standard at Banco del Austro after it rolled out a new IBM data platform for storage, integration, governance and lineage. Data engineer output has climbed, readying the Ecuadorian lender for broader artificial intelligence in banking through this AI-driven data platform.
Westpac — An AI scam detection tool now being trialled by Westpac transcribes live calls between customers and its fraud support staff, surfacing risk indicators mid-conversation. Prompts steer operators toward sharper, faster responses. Westpac frames this real-time fraud call analysis as a route to quicker fraud disruption.
Oromia Bank — Oromia Bank's Miliki app grants collateral-free loans up to 300,000 birr via AI credit scoring, weighing spending patterns, financial history and non-traditional data. Built with fintech partner Quantum Technology, it extended credit to over 7,000 borrowers during its trial run, evidence of strong latent demand for AI-driven lending among women, youth and informal workers excluded from conventional finance.
PrivatBank — PrivatBank launched AI counterparty checks for Ukrainian business clients via the web and Privat24 for Business app. The tool scans public records — ownership, network ties, financial standing — flagging legal and reputational risks before deals close: AI business reputation screening for corporate due diligence.
Markel Canada — Markel's Canadian underwriters gain agentic AI for insurance underwriting under an expanded mea Platform deal, following London Wholesale's earlier rollout. Unstructured submission data becomes structured through the platform's agentic GenAI, sharpening decisions — a use some label agentic GenAI for underwriting.
Finansforbundet — Eight of nine leading Danish banks now run generative AI in financial services at full scale, per a Finansforbundet poll. Home-grown GPT tools drive this: Danske Bank (DanskeGPT), Sydbank, Saxo Bank and Arbejdernes Landsbank each built separate systems for staff. Client-facing AI adoption in banking lags, though Lunar's assistant resolves 65% of written enquiries unaided.
GFH Financial Group — GFH Financial Group now offers the GCC's first fully voice-operated AI-powered investment assistant, letting customers speak directly to manage holdings instead of tapping through menus. Running on OpenAI's technology, the tool handles live portfolio tracking and real-time investment inquiries. This puts GFH ahead of rivals still limited to text-based conversational banking tools.
Nasfund — Nasfund, Papua New Guinea's biggest private superannuation fund, runs AI invoice processing via DeepDelve Invoice AI, hitting 97 per cent data extraction accuracy on trialled supplier invoices. Innovation PNG Awards gave Nasfund its Large Business prize as the tool lifted productivity 40 per cent and freed three hours daily per worker. Rajeev Sharma says large language models come next, automating payments entirely, targeting a 70 per cent cut in processing time.
MBH Bank — Hungarian SMEs can search state grants via MBH Bank's Forrás AI assistant for SME grants on the BUPA platform, built with Peak Fintech. It turns dense legal wording from GINOP and DIMOP schemes into plain summaries, checks eligibility, and tracks funding-rule changes as this AI-assisted grant navigation covers micro-enterprises too.
DenizBank — DenizBank, Turkey's fifth-largest private bank, now launches new microservices models in 10 minutes, down from several days, using Red Hat OpenShift AI for AI model development in banking. About 120 data scientists there cover risk, marketing and customer relations, running machine learning lifecycles on-premise and in public cloud.
Financial Supervisory Commission (FSC) — AI adoption in Taiwan's financial sector reached one in three institutions — 126 of 383 surveyed by the Financial Supervisory Commission — a jump from 29% in 2024 to 33%. Penetration was highest among banks (87%), then life insurers (67%) and property insurers (45%), while generative AI specifically had reached 61 firms. Back-office administrative work ranked as the dominant application, claimed by 39% of adopters, pointing to artificial intelligence uptake among Taiwanese financial institutions still weighted toward internal efficiency gains rather than client-facing services.
E.SUN Bank (Yushan Bank) — E.SUN Bank runs "GENIE" internally and gives retail customers "Jin Mishi", an AI in retail banking chatbot for queries. Its coders use GitHub Copilot, cutting build times 30% per the bank's own figure. All three sit inside a wider NVIDIA partnership spanning four finance AI use cases, including AI-assisted coding.
Amana Cooperative Insurance — Riyadh-based Amana Cooperative Insurance has deployed agentic AI for motor claims, running the whole journey through a swarm of master-and-worker AI agents teamed with RPA bots, leaving core-system code entirely unchanged. Built by eData, the setup carries a case from first notice of loss all the way to settlement and fraud screening, while customers simply reach out over WhatsApp or email instead of calling in. The insurer points to quicker paperwork turnaround, reduced leakage via automated cost checks, and happier customers thanks to round-the-clock chat availability — an early example of AI-driven claims automation in the region.
Transbank — Eugenia, Transbank's new AI assistant for internal operations, now handles staff questions on time off, brand rules and compliance without waiting for a human reply. The Chilean payments firm built the tool on AWS language models as proof that automation can take hold inside everyday corporate workflows. Sebastián Robles, who leads AI at Transbank, said the goal was giving staff real systems to actually use, not just pilots. That practical rollout of an AI workplace assistant is now held up as a model for other Chilean businesses.
KB Financial Group — KB Financial Group has switched on KB GenAI Portal, an agentic AI banking platform giving staff across its eight subsidiaries the tools to build and run their own AI agents for financial services—a first for South Korea's financial industry. No-code and low-code options let non-programmers build agents too, alongside a pro-level track. Roughly 90 agents across 17 business lines, covering wealth management, retail and corporate banking, are due within three years, with advisory, client relations and support agents already underway.
Mutual Trust Bank PLC — Mutual Trust Bank PLC (MTB) became the first lender in Bangladesh to roll out an AI voice contact centre agent, letting account holders speak commands for balance inquiries, card activation and PIN generation rather than punching keypad options or sitting on hold. Available 24/7, the tool sharpens its own replies over time via machine learning, functioning as an AI virtual assistant for banking that keeps improving with use.
Boubyan Bank — Boubyan Bank built Kuwait's first home-grown AI model reading the Kuwaiti Arabic dialect at high accuracy, powering its AI call centre analytics. Speech analytics turns recorded voice calls into searchable text, mined for customer sentiment and actionable insights. Encrypted local servers safeguard customer data and process survey and social media feedback.
Sampath Bank — Five taps on the Sampath Vishwa Mobile App now trigger a full AI-powered personal loan decision, under Sampath Bank's new Sampath Select scheme, marketed as Sri Lanka's first fully automated lending product of its kind. Real-time analysis of applicant data replaces the old paper-heavy approval chain, producing an instant, paperless outcome. The pitch centres on AI-driven loan approval, with credit checks and sign-off compressed into one digital flow.
ColendiBank — Turkey gained its first AI-based digital bank as Colendi's ColendiBank opened to customers, having cleared licensing with regulator BDDK in October 2024. Its AI-driven backbone serves individuals and SMEs via embedded finance, tailoring products per user for AI in retail banking.
Cathay Insurance (Guotai Property Insurance) — Four new patents mark Cathay Insurance's (Guotai Property Insurance) push into AI in insurance claims processing across Taiwan: claims reports now write up twice as fast, loss-prevention reports take over 50% less staff time, and new tools handle underwriting risk monitoring and reinsurance exposure forecasting. A human-in-the-loop setup governs every AI-assisted risk assessment function.
Otoritas Jasa Keuangan (OJK) — OJK guidance sets minimum standards for AI governance in Indonesian banking, spanning design, testing, rollout, monitoring and audit across the full system lifecycle for banks. Reliability, accountability and human oversight anchor the framework. Non-binding as soft law, it still marks out OJK's supervisory expectations for responsible artificial intelligence deployment in banking.
Bank of Ayudhya (Krungsri) — Cloud migration sped up over 50% at Krungsri (Bank of Ayudhya) after adopting generative AI agents on AWS. AI fraud detection banking runs via Amazon SageMaker's AI-powered mule account detection; a valuation tool trims property visits from three days to 15 minutes; and machine learning balances cash across 5,000 ATMs nationwide.
Financial Services Authority (OJK) — OJK's Buku Panduan Tata Kelola Kecerdasan Artifisial Perbankan Indonesia (Artificial Intelligence Governance for Indonesian Banks) sets out supervisory expectations for commercial lenders adopting AI in banking, published on 29 April 2025 by Otoritas Jasa Keuangan. Institutions are expected to form a dedicated AI committee, apply controls across the full model lifecycle, conduct stress testing and validation, and keep humans in the loop for oversight. The document carries no binding force for AI governance for banks, yet OJK treats it as a reference point when examining banks' risk management practices.
Flow Uganda — Flow Uganda now runs AI sales automation in banking via Trembi Sales AI, scrapping 80 agents once posted across 30 districts. The Ugandan lender identifies and wins bigger loan prospects, restaurants and hotels included, at lower cost per signup. This AI-driven client acquisition for lenders swaps legwork for automated, high-value targeting.
Commerzbank — Ava, Commerzbank's AI banking avatar, handles routine queries and account tasks for German customers via the bank's mobile app, built on Microsoft Azure AI technologies. It can also act directly, ordering or blocking a credit card. Commerzbank calls this rollout one of Germany's earliest generative AI customer-facing deployments paired with avatar technology.
FINMA (Swiss Financial Market Supervisory Authority) — FINMA found half of some 400 Swiss institutions practise AI adoption in banking, live or piloted. A quarter more plan to start within three years; 91 per cent of adopters use generative tools too. Larger firms outpace smaller peers in application count, signalling growth in AI adoption in financial services.
FWD Life Insurance (Thailand and Cambodia) — FWD Insurance's generative AI voicebot and chatbot cut policy cancellations by 60% and lifted retention by 41% in Thailand. Both apply natural language understanding to read customer intent and emotional tone, with the chatbot giving sharper answers and the voicebot scoring high on satisfaction. This AI chatbot customer service upgrade relies on the insurer's own figures, not independently audited.
Febraban — Generative AI in banking has reached eight of every ten banks across Brazil, per Deloitte's Febraban Banking Technology Survey 2025, with 95% using AI to some degree. Efficiency rose 11.4% on average from adoption in financial services, and 38% of banks saw gains topping 20%.
Mitsubishi UFJ Bank (MUFG) — Mitsubishi UFJ Bank now runs FRONTEO's "KIBIT Eye" for AI fraud detection in banking, spotting cartel links and early misconduct hidden across huge text archives. Automated screening cuts human bias, letting compliance staff work from thorough, uniform results. The move backs MUFG's wider AI compliance monitoring drive for customer safety and openness.
Bakai Bank — Kyrgyzstan's Bakai Bank now issues cards in one minute via machines using AI face recognition in banking, powered by BakaiGPT. Biometric facial identification for card issuance replaces document checks. Bakai Business Forum hosted the debut, the country's first such rollout.
FirstBank of Nigeria — Humanoid machines welcome visitors at FirstBank's fifth Digital Xperience Centre in Lekki, Lagos, a sign of AI in retail banking taking physical shape. They respond to queries instantly, alongside self-service kiosks, contactless ATMs, video banking and a machine issuing ATM cards within three minutes, watched over by fraud detection powered by artificial intelligence in banking.
Latvijas Transportlīdzekļu apdrošinātāju birojs (LTAB) — Latvijas Transportlīdzekļu apdrošinātāju birojs (LTAB) deployed a virtual assistant bringing AI in motor insurance to Latvia's motorists, handling enquiries on compulsory motor third-party liability (OCTA) insurance. Linked to LTAB online services, the insurance chatbot explains 24/7 what follows crashes, policy validity and claims.
ICA Banken — Over 70,000 monthly sessions now flow through ICA's network of AI help robots, with 92% of users never needing to escalate to a live agent. Swedish retailer ICA built this AI chatbot banking capability first for its banking arm, ICA Banken, on icabanken.se, following earlier launches at Apotek Hjärtat in November 2024 and ICA Sverige the month after. This AI customer service chatbot expansion reflects a coordinated group-wide strategy rather than a standalone project, though the usage figures remain ICA's own and are not independently verified.
Singlife — Singlife's #BetterIdea Challenge hackathon produced this AI insurance assistant for financial advisors, live on Oracle Cloud Infrastructure. Staff retrieve product details instantly rather than by hand, powered by OCI Generative AI and AI Vector Search — a generative AI tool for insurance advisors speeding replies to client questions.
Industrial and Commercial Bank of China — A dedicated thousand-card computing cloud drives Industrial and Commercial Bank of China's rollout of DeepSeek's newest open-source model, folded privately into its "ICBC Intelligent Surge" (工银智涌) system — a first for major Chinese lenders. AI banking deployment spans 200-plus scenarios across 20 business lines. Ten-plus large language model banking tools alongside 2,000 legacy models back this expansion.
Tryg — Fault gets settled within minutes, not days, for nine of ten two-vehicle collisions once Tryg, Denmark's biggest insurer, runs its AI model for car damage claims. Built on 42,000 prior disputes and checked against 4,000 more, the automated fault-determination tool still routes thornier disagreements to staff.
AXA — AXA runs over 400 AI use cases in insurance in production across its value chain, backed by 2,000 specialists, over 900 in data science and engineering roles. AXA Secure GPT, a generative AI assistant for employees, reaches all 154,000 staff across 79 business applications. SmartInAXA, a RAG-based tool, is rolling out to French distributors.
Unitrust Insurance — UNIS, Unitrust Insurance's new AI insurance chatbot, offers 24/7 policy queries, quotes and claims handling. Policyholders use this self-service insurance bot to file and follow claims, buy motor cover, pay premiums and download documents unaided.
Generali Switzerland — Misrouted calls at Generali Switzerland fell 22% after Leonie, a Swiss German AI voicebot, took over sorting incoming lines. Enterprise Bot built this voicebot for customer call routing on Luware telephony, reaching 97-98% speech recognition accuracy and 3% higher availability. Generali next wants Leonie fluent across all Swiss national languages, plus self-service options for policy changes.
Iraqi Private Banks Association — Masrifuna, from the Iraqi Private Banks Association, now houses an AI financial chatbot to sharpen users' money habits and ease access to banking details. Ali Tariq named it an AI-powered virtual advisor, drawing on figures supplied by member banks and Germany's GIZ, with the Central Bank of Iraq and the European Union backing its rollout.
MBH Bank — MBH Bank launched a generative AI chatbot for loan queries about Munkáshitel, Hungary's state-subsidised loan scheme. The Munkáshitel AI Assistant, built with Peak Fintech on a retrieval-augmented generation (RAG) framework, guides borrowers through complex eligibility, loan-size and repayment rules. The loan chatbot lightens bank staff workload.
Ping An Life Insurance — Ping An Life has rolled out AI insurance claims processing alongside a tailored DeepSeek-R1 model spanning three business functions: AskBob, a sales-support tool for agents; a training system for staff; and an automated engine for handling complex claims cases. Engineers built the customisation in just seven days, from raw data processing through to production release. More than 90% of agents judged the revamped AskBob better than its predecessor on completeness, accuracy and practicality, while the claims engine, now embedded in the core system, lifted accuracy on complicated cases by 31% versus the earlier version — an early signal of how automated claims review can scale inside a large insurer.
PICC Property and Casualty — PICC Property and Casualty leads Chinese insurers in adopting AI in claims processing, running DeepSeek's full-size model on home-grown hardware. DeepSeek now sits in the firm's model base, auto-checking claims quality, pulling facts from paperwork and sharpening staff training. Underwriting, claims and investment uses are still developing, pointing toward wider claims automation powered by AI.
China Construction Bank — China Construction Bank has built DeepSeek-R1 into its own systems, adapted since February 2025 using internal records. AI in banking spans half the workforce over 46 divisions and beyond 200 jobs: scoring risk, converting payments, writing summaries, checking code. Review time per client dropped from 30 minutes to five under this model effort.
Oman Housing Bank — Round-the-clock answers on subsidised loans now come from an AI chatbot for housing loans, deployed by Oman Housing Bank on its Iskan platform. A civil ID number lets applicants check waiting-list status instantly, sparing branch trips and call-centre queues. The bot service handles paperwork questions, 24/7.
Nest Bank — Photographing a bill now suffices for AI invoice payment through Nest Bank's app: the assistant N!Asystent reads the document, populates the transfer fields, verifies them and completes payment. Microsoft Azure OpenAI's GPT-4o powers the feature, reflecting Poland's move toward automated bill scanning and settlement.
Banco Montepio — Searching millions of records now takes seconds at Banco Montepio, through an AI platform for internal data access named Pio, built by Devoteam on Microsoft Azure. Bots handle queries across credit risk, mortgages and sales, replacing manual lookups. Rules under the EU AI Act are already built in, part of a broader move toward AI in banking and financial services.
Bank of Baroda — Bank of Baroda now runs three GenAI banking tools as part of its generative AI in banking rollout: Aditi, a Virtual Relationship Manager, manages conversational interactions via digital avatars; GyanSahay.AI gives employees an internal knowledge base; ADI fields customer queries as a chatbot. All three deliver 24/7, multilingual help, part of a wider GenAI-powered banking tools push for sharper service and staff output.
BBVA — Blue, BBVA's AI banking assistant built on OpenAI's technology, reached 10,000 users first, then all customers within two months, handling account and card tasks through conversational AI in retail banking across roughly 120 functions. BBVA also gave 100 managers the tool, linked to 30,000 documents on products and processes.
Türkiye Sigorta — Türkiye Sigorta launched Bilge'ye Sor, an AI assistant for insurance customer service, on its website, mobile app and Pusula Plus platform. This generative AI helper uses natural language processing for claims tracking, provision checks and document requests, live 24/7 for customers, agents and field teams.
Banca Generali — Microsoft 365 Copilot now covers every employee at Banca Generali, part of a broader push into AI in private banking, and Personal Assistant tools already reach 60% of staff. A parallel effort is building generative AI for financial advisory, supported by an internal AI Ambassador scheme.
Cooeprouasd — Cooeprouasd, the Cooperativa de Servicios Múltiples de Empleados Profesores de la Universidad Autónoma de Santo Domingo, has launched Cooperativina, an AI virtual assistant for cooperative members in the Dominican Republic. It answers questions on loans, savings and other services and processes payments, available 24 hours a day via text or voice. The move points to a wider shift toward AI-powered banking assistants at member-owned financial institutions.
Sukoon Insurance — Sukoon Insurance now offers AI face scanning for life insurance, replacing the standard medical exam with a short videoconference clip. Built with One Call, the system works by reading vital signs from facial video, capturing heart rate, blood pressure and breathing rate to speed up approval in the United Arab Emirates.
PZU Group — Homeowners insured under PZU Dom now see payouts settled via AI insurance claims settlement within 24 hours, as PZU Group's Samoobsługa NEXT platform applies GenAI to confirm coverage and trigger disbursement. This marks Poland's debut of generative AI claims processing in a live workflow.
IAG — Roughly 500 CGU staff in Australia now rely on CASI, an AI claims assistant insurance tool from IAG, to locate policy clauses instantly rather than spending 20-30 minutes searching manually. IAG intends widening this generative AI in claims handling into additional divisions beyond CGU.
Faysal Bank — Faysal Bank's i-Faysal, an AI virtual assistant banking customers use round the clock, handles balances, transactions, bills, transfers and product advice. The lender calls it Pakistan's first such AI-powered customer service assistant, replacing duties once handled by staff.
77 Bank (Shichijushichi Bank) — 77 Bank (Shichijushichi Bank) runs AI mortgage screening from Mitsubishi Research Institute, clearing over 50 per cent of home loan applications instantly without staff review. The Japanese lender adopted automated home loan underwriting once the model reached stable accuracy, keeping 100% uptime since launch.
Sun Life Philippines — Sun Life Philippines now runs AI-powered underwriting in life insurance on ALLFINANZ SPARK, a SaaS platform built by Munich Re Automation Solutions. Predictive models instantly score fresh submissions and paper forms, shrinking turnaround while raising straight-through rates. Policyholders gain quicker, automated underwriting decisions plus smoother onboarding.
Tokio Marine Seguradora — Tokio Marine Seguradora runs AI car insurance claims from phone photos sent via WhatsApp. Cília Tecnologia's 3D model reads damage and returns a cost estimate in minutes, skipping inspections and speeding payouts. This AI-based repair estimation replaces manual appraisal.
NCB Capital Markets Limited — An AI investment chatbot named Simone now handles portfolio guidance for clients of Jamaica's NCB Capital Markets Limited over WhatsApp. Behind the scenes sits an AI-powered Risk Profiler and Asset Allocator, posing a brief round of queries to size up someone's appetite for risk before proposing a blend of stocks, fixed income and other instruments. NCB unveiled the system at the Jamaica Stock Exchange's Regional Investments and Capital Markets Conference.
Trygg-Hansa — Swedish insurer Trygg-Hansa built a homegrown AI crime risk alerts system, spotting odd spikes in claims data and texting SMS warnings to policyholders facing rising burglary danger. An internal AI unit paired anomaly detection with clustering to build it, already covering thousands of customers. Car theft and other claims follow next as Trygg-Hansa widens beyond burglary-pattern notifications.
Allianz UK — Allianz Commercial deploys BRIAN, an AI underwriting assistant fetching answers from internal guidance so employees avoid combing through dense paperwork manually. Beyond its trial run, the system logged over 13,000 queries, saving roughly 65,000 minutes once lost chasing information — signalling AI-assisted document retrieval expanding across UK insurance.
TBC Uzbekistan — AI voice agents now field over 50% of TBC Uzbekistan's payment reminder calls, the latest step in the Central Asian digital lender's AI banking automation push across Central Asia. Since January, a bilingual LLM built for product sales has driven Uzbek and Russian speech recognition and synthesis, with capacity flexing automatically alongside call centre demand. Staff at TBC describe these AI voice agents in banking as up to ten times stronger than human sales reps in certain instances, a claim from the firm itself rather than an outside audit.
Banco Ripley — Lukas launched as Latin America's first AI finfluencer for Banco Ripley, teaching Chilean youth saving, budgeting and credit via social clips. Pedro Juan y Diego and Wise Innovation Studios built the avatar with motion capture and 3D modelling, voiced in colloquial Chilean Spanish. This AI-powered financial influencer format targets younger audiences.
Banca Transilvania — Banca Transilvania now runs an AI chatbot in banking called Chat BT, a DRUID-made assistant embedded in its BT Pay app, becoming Romania's first lender to place such an AI virtual assistant for banking customers into live client contact. Machine learning drives its answers on app functions and offerings in Romanian, with handoff to staff when required.
Sejfa — A generative AI claims intake insurance tool called Smart Skada now handles Swedish home insurance customers for Sejfa, the digital service owned by Länsförsäkringsbolagen. Instead of scripted replies typical of reproduction-style chatbots, this system drafts original follow-up questions and answers while collecting damage details through conversation. Testing began in September 2024, and strong outcomes led to a full launch, with expansion planned across Länsförsäkringsbolagen throughout the year. The generative AI insurance chatbot marks a shift from rule-based automation toward dynamic, self-generated dialogue.
JPMorgan Chase built LLM Suite, a secure in-house generative-AI platform for idea generation, drafting and summarising, and onboarded 200,000 employees within eight months of its mid-2024 launch; American Banker named it 2025 Innovation of the Year. The bank reports over 230,000 staff now use it worldwide, saving several hours a week.
Swiss Financial Market Supervisory Authority FINMA — FINMA's Supervisory Guidance 08/2024 sets expectations for AI governance financial sector oversight in Switzerland, flagging risks institutions must manage: model risk, data quality issues, IT and cyber vulnerabilities, growing third-party reliance, and legal and reputational fallout from artificial intelligence risk management failures. Finding most firms still at an early maturity stage, FINMA now requires processes to identify, assess, control and monitor these exposures.
Securities and Futures Commission — Hong Kong's Securities and Futures Commission (SFC) now holds licensed corporations to conduct standards for generative AI language models used in regulated activities. Senior leadership must answer for outcomes, oversee model risk, and guard against cyber and data threats. Scope covers any firm offering AI-driven services tied to regulated business, effective immediately.
Financial Services and the Treasury Bureau — Hong Kong's Government set out an open, prudent stance on AI in financial market activity through its Policy Statement on Responsible Application of Artificial Intelligence in the Financial Market. Financial institutions must balance innovation against risk management, adopting a risk-based AI governance strategy for financial institutions.
Qatar Central Bank — Binding AI regulation in banking now applies to every QCB-licensed entity in Qatar that builds, buys, outsources or runs AI systems, under the Qatar Central Bank's Artificial Intelligence Guideline. High-risk deployments cannot proceed without prior QCB sign-off, and firms must put board oversight, an AI Register, human review, data safeguards, security measures, and customer transparency and complaint routes in place. Yearly disclosure of AI use to QCB rounds out this AI governance in financial services regime.
Hong Kong Monetary Authority — Hong Kong Monetary Authority guiding principles now cover generative AI in banking, setting GenAI consumer protection safeguards for authorised institutions in customer-facing tools. The principles build on the 2019 BDAI framework, requiring embedded safeguards before deployment. This extends existing Hong Kong Artificial Intelligence Use oversight rather than a separate regime.
Financial Conduct Authority — No dedicated rulebook is coming for AI in UK financial markets: the FCA says existing rules already cover it. Its AI Update points to Consumer Duty and the Senior Managers and Certification Regime as sufficient for risks from AI in financial services, sparing firms extra compliance layers under this approach to AI regulation in financial markets.
The Bank of England and FCA's 2024 survey of 118 firms found 75% of UK financial services firms already using AI, up from 58% in 2022. Another 10% plan AI adoption within three years.
Machine-learning AI helped the US Treasury recover US$1 billion in fiscal year 2024 by detecting Treasury check fraud faster. The department's broader technology and data push stopped or clawed back a record US$4 billion in fraud and improper payments, versus US$652.7 million the previous year.
Financial Services Authority (OJK) — OJK, Indonesia's financial regulator, released the Guidelines for Responsible and Trustworthy Artificial Intelligence Ethics in the Financial Technology Industry with four fintech associations. Four pillars underpin AI in fintech oversight: beneficial, fair, accountable, transparent, explicable, robust, secure. The non-binding code covers digital lending, payments and insurtech, signalling artificial intelligence oversight in financial technology rather than binding rules.
Financial Supervisory Commission — Taiwan's Financial Supervisory Commission has issued a policy framework for AI regulation in the financial industry, resting on six pillars: accountability, fairness, privacy, system security, transparency and sustainability. It guides how banks and insurers apply artificial intelligence in banking and insurance.
Dubai International Financial Centre Commissioner of Data Protection — Personal data run through autonomous and semi-autonomous systems in the DIFC now falls under Regulation 10, the first AI data processing regulation in the MEASA region. Operators must publish transparency notices, log risk registers, and win Commissioner-authorised certification ahead of any high-risk deployment, while a designated autonomous systems officer handles ongoing oversight.
Bangladesh Bank — Bangladesh Bank's Guidelines to Establish Digital Bank mandate round-the-clock AI-powered complaint handling in digital banking, under Section 9.3. Every licensed digital bank must run a system driven by artificial intelligence that will automatically settle transaction disputes, with no downtime allowed.
Banco Central de la República Argentina (BCRA) — Argentina's central bank, the Banco Central de la República Argentina, requires AI risk management in financial entities under Communication A 7777, folding AI/ML into its security rules via Section 4.6. Institutions must document each algorithm, assign ownership, run impact assessments, and set risk appetite for machine learning deployment in financial services.
Central Bank of Barbados — The Central Bank of Barbados set supervisory expectations for AI risk management in banking through its Technology and Cyber Risk Management Guideline (TCRM), issued 5 May 2023, covering cyber threats tied to automated systems and duties to classify and report cyber incidents. This frames cyber governance for AI-driven banking systems as a regulatory priority.
Securities and Exchange Commission Nigeria — Nigeria's Securities and Exchange Commission now polices algorithm-driven investment advice through its Rules on Robo-Advisory Services, covering how computer-driven advisory platforms register, operate and manage risk. Providers of these automated tools must also satisfy governance standards and safeguards protecting clients.
Financial Services Commission, Mauritius — Mauritius now regulates AI financial advisory services through a licensing regime for robo-advisory services under the Financial Services (Robotic and Artificial Intelligence Enabled Advisory Services) Rules 2021, made by the Financial Services Commission under section 93 of the Financial Services Act. Licensees must hold minimum capital of MUR 600,000, build algorithm governance frameworks, and file independent evaluation reports on their systems every two years.
We research and keep track of applied AI globally. Finance & Insurance's record gained 33 entries in October. Your next dispatch will open with Finance & Insurance, then the most important news about how AI is being used, applied and regulated globally.
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