INDUSTRY

AI for Fintech & Banking

Built with fintechs and banks across the EU — Ryvyl, Hydra Blockchain, Return Finance and more. We know the regulators, the controls, and the integration constraints.

DORA
compliance built in
<2s
real-time fraud decisions
EU-resident
data + inference
Why fintech AI is different

Fintech AI fails most projects on regulation, not on technology.

EU fintechs and banks need AI that ships under DORA, MiFID, GDPR, and bank-level procurement. Off-the-shelf US tools don't meet the bar. We've built AI for Ryvyl, Hydra Blockchain, Return Finance, and DSK Bank — KYC, fraud, document intelligence, support — all with audit trails, EU-resident inference, and full risk register from day one.

€35M / 7%
EU AI Act fines for non-compliant high-risk AI
Q1 2026
DORA enforcement deadline already passed
73%
Of EU fintechs say compliance is their top AI blocker
Fintech AI market

The economics are clear, the bar is high

AI in financial services has moved from "experiment" to "compliance-mandated capability" inside two years. The question isn't whether — it's how fast you can ship without breaking your audit posture.

€80B+
EU fintech AI market by 2027
McKinsey Global Banking Annual Review
60%
of EU banks have AI in production
ECB Supervisory Banking Statistics 2025
ROI on KYC automation deployments
Aggregated from our client base
Where AI ships fastest

Use cases proven in EU fintechs and banks

We focus on the workflows where AI's ROI lands in 90 days, not 18 months — and where governance is non-negotiable.

KYC & onboarding automation

Document extraction, watchlist screening, risk scoring. Reduces manual onboarding from days to minutes; audit trail per decision.

Real-time fraud detection

AI agents reviewing transactions sub-2-second, flagging anomalies, escalating to human reviewers with full context.

Document intelligence

Loan applications, contracts, financial statements — extracted to structured data with provenance, validated against source.

Compliant customer support

RAG-grounded support agents on your knowledge base, with explicit escalation rules, full conversation logs, and EU-resident inference.

Credit scoring augmentation

AI models complementing your scorecard — explainable, monitored for drift, EU AI Act high-risk compliant.

Internal copilots for ops

Compliance, risk, finance, and product teams get bilingual copilots grounded on your policies, regulations, and SOP.

Outcomes

What our fintech clients ship in their first 90 days

Real numbers from production deployments at EU fintechs and banks.

60%
Lower onboarding cost
KYC automation across retail + corporate
<2s
Fraud decision latency
P95 across our deployed models
100%
Audit-ready
Full decision trail per inference
FAQ

Fintech AI — common questions

Are your AI deployments DORA-compliant?
Yes. DORA requires ICT third-party risk management, incident reporting, and resilience testing for financial entities. We deliver AI under that framework — vendor classification, contractual safeguards, exit strategy, and continuous monitoring — all built into the engagement, not bolted on later.
Where is the model inference and the data hosted?
EU-resident by default. We deploy on AWS Frankfurt, Azure West Europe, or your on-prem cluster, with EU-region LLMs (Mistral on AWS Bedrock, OpenAI EU residency, Anthropic EU offering, or self-hosted Llama). Data residency boundaries are documented and verifiable.
How do you handle EU AI Act high-risk classification?
Credit scoring, fraud detection, and AI used in employment decisions are explicitly high-risk under the EU AI Act. We map every system, complete the conformity assessment, build the risk register and post-market monitoring, and prep your evidence pack for the regulator.
Can you deliver under our existing bank-level procurement?
Yes. We've delivered under bank vendor onboarding, ISO 27001 audits, penetration testing, contractual liability, and SLAs that match what your in-house teams operate under. Most clients are surprised how short our procurement cycle is — we've done it before.
What pilot can we ship in 90 days?
Our standard fintech pilot ships KYC document automation in 4 weeks, fraud transaction review in 6, or a compliant support agent in 4. After 90 days you have a measurably ROI-positive system in production with full governance documentation.
Do you have BG-language support and on-the-ground delivery?
Yes. Our delivery team is Sofia-based; we work bilingually (EN + BG); we can be on your premises within 48 hours. Many of our fintech clients value this combination over remote-only US consultancies.

Ship AI in your fintech without losing your audit posture.

Book a free 30-minute scoping call. We'll review your AI footprint, identify the highest-ROI use case for your fintech, and propose a 90-day pilot plan.

No sales pressure · Free 30-min consultation · Bilingual delivery (EN/BG)