Lower risk, faster service, higher margins.
Service, compliance and credit workflows that run end to end on your core systems, with every decision traceable for regulators.
What agents change in banking and insurance.
Detect fraudulent transactions, assess micro-loan credit risk, and use AI agents for service, cross-selling and up-selling, with every decision traceable for regulators.
Service that resolves
Customers get an answer and an action in the same conversation. Intent understanding improved by up to 80% for one large bank.
Compliance without the backlog
Internal policies checked against the regulator's full rulebook in hours instead of weeks, with gaps flagged for the compliance team.
Decisions in real time
Credit and fraud models that score applications and transactions as they happen, with the reasoning recorded.
The workflows that run a bank.
Each one starts in assist mode beside your team and earns autonomy as it proves itself. Most are live within weeks on the systems you already run.
- 01Customer service and sales agentsService conversations that understand intent, resolve the request and surface the right next product.
- 02Regulatory compliance checksInternal policies scored against central bank regulations by an in-house model, with gaps and recommendations for the compliance team.
- 03Product knowledge for service and product teamsPolicies, product documents and guidelines answered in seconds from a governed knowledge platform.
- 04Credit scoring and fraud detectionReal-time predictions that flag risky applicants and suspicious transactions, including account takeover and wire fraud.
- 05Personalised offers and campaignsBehaviour and preference models that tailor offers and measure how customers respond.
Results in banking and insurance.
Transformation is not a chatbot. It is onboarding, service, credit and compliance running end to end, with controls your regulator can follow.
Your data never leaves
Models can run on your own servers, as our regulatory compliance agent does for a large bank.
Traceable by design
Addo Control records every input, decision and approval so audit and regulators can replay it.
One platform across the bank
Retail, SME, cards and the shared operations beneath them run on the same Addo Core components.
Deployed with you
Forward-deployed teams who know core banking, CRM and regional regulation, from Singapore, Dubai, Lahore and San Francisco.