AI solutions for regulated industries
AI for banks, insurers and pension funds
Better work at lower cost, built where compliance, data privacy and auditability are essential, from a custom AI solution to an air-gapped system.
Tell us what you want to buildTalk to a partner
A free briefing within two working days, or a 30-minute call with a partner.
Your partner for this industry
What we build for financial institutions
- Document review with traceable answers
- Reads credit and claims files and flags what deviates, each finding linked to its passage.
- Compliance checks across all your documents
- Checks every policy, contract and procedure against the rules that apply, and marks what fails.
- Checks for fraud and financial crime
- Flags transactions, claims and customers for a closer look, and prepares the file.
- Decision support with a full record
- Prepares credit and claims decisions with plain reasons, and a person approves each one.
- Assistants that answer from your documents
- Answers questions from your own policies and pension rules, with the source passage shown.
These are examples of what we can build. They do not describe client work.
Each runs as a custom AI solution, a private deployment or an air-gapped system, whichever your data allows. How the three differ
Built with the evidence your supervisor asks for
From 2 December 2027 the duties of the European Union Artificial Intelligence Act (EU AI Act) for high-risk systems cover two uses in finance: judging whether a person is creditworthy, and pricing life and health insurance for a person.
The Digital Operational Resilience Act (DORA) applies now: a model provider is assessed as an outside technology supplier, with contract terms, a register entry and a way out. We build the records into the system, so you can show your supervisor what it did and who approved it.
What you risk
For breaking the obligations the Act lists, such as the transparency duties
€15 million or 3%
Source and caveat
Breaking the other duties the Act lists, such as the transparency duties: up to €15 million or 3% of worldwide annual turnover, whichever is higher.
European Union Artificial Intelligence Act (Regulation (EU) 2024/1689, as amended by Regulation (EU) 2026/1744), Article 99(4). Applies from 2 August 2026.
This is the most the law allows, not what is usually imposed. A fine can only follow a duty that applies: the transparency duties from 2 August 2026, the high-risk duties from 2 December 2027 and 2 August 2028.
Source: EU AI Act, Article 99(4), consolidated version of 27 July 2026, EUR-Lex, accessed 5 October 2026.
The Dutch maximum for breaking the board and supplier duties of DORA
€5 million or 10% of net turnover
Source and caveat
In the Netherlands, breaking the board or supplier duties of DORA: up to €5 million per infringement, or 10% of net turnover if that is more.
Wet op het financieel toezicht and Besluit EU-verordeningen Wft (the Dutch fine rules for the Digital Operational Resilience Act), Articles 1:81 and 1:82; Bijlage 35, point 2.
This is the most the law allows, not what is usually imposed. It is the maximum of Dutch fine category 3 as the law stood on 5 October 2026, and it doubles for a repeat within five years.
Source: Wet op het financieel toezicht, Articles 1:81 and 1:82, and Besluit EU-verordeningen Wft, Bijlage 35 (wetten.overheid.nl), accessed 5 October 2026.
Hamburg, 2025: credit card applications rejected by automated decision, without reasons
€492,000
Final
Source and caveat
On 30 September 2025 the Hamburg data protection commissioner fined a financial company €492,000 for rejecting credit card applications automatically without adequate reasons.
General Data Protection Regulation (Regulation (EU) 2016/679).
This is a German case; the company accepted the fine notice.
Source: Hamburg Commissioner for Data Protection and Freedom of Information, press release of 30 September 2025, accessed 5 October 2026.
The ceiling is the most the law allows, not what is usually imposed. All fines, with their sources
How we work
Five steps from a first conversation to a running system, and the first is free.
- Step 1Free briefing
- Step 2Discovery
- Step 3Design
- Step 4Build
- Step 5Run and improve
Every paid step has a fixed price, stated in writing before the work starts, and each phase of the build has its own.
Worked examples
The pricing model for life cover and the date of 2 December 2027
An insurer's pricing model, trained and scored on a private deployment or its own premises.
The assistant on the participant portal answers in the name of the fund
A pension fund's portal assistant, run in a European region with every answer logged.
Two registers that do not join
A second, tested route so a bank can leave a model provider.
These are worked examples. They do not describe real clients. All examples
We do not give legal advice and we do not certify. This page was last checked on .