Technology is no longer an innovation tool but the backbone of modern financial services
Legacy systems limit AI use and scalability, with high maintenance costs, and FSI firms demand more flexible digital architectures that support modern integrations.
The pressure for cost reduction, speed, and productivity turns efficiency into a core requirement, demanding automation for back office, billing, onboarding, and claim operations.
The increase in digital frauds and sophisticated threats force institutions to invest in advanced authentication and monitoring tools to reduce losses, preserve reliability, and secure operations.
Open Finance, ESG, and KYC/KYB/AML regulations, besides governance, AI ethics, and ESG 2.0, increase operational complexity. Compliance becomes unavoidable and force institutions to adopt regulatory monitoring mechanisms.
Embedded finance and the will to expand beyond traditional services demand new distribution and monetization models, and non-financial firms also incorporate financial services, bringing the bank to where the customer is.
On one side, an industry built on legacy systems; on the other, nonstop changes that demand immediate modernization
The financial services industry depend heavily on legacy systems and outdated execution, and as new paradigms, users, and technologies enter the game, change becomes inevitable.
Legacy systems limit AI use and scalability, with high maintenance costs, and FSI firms demand more flexible digital architectures that support modern integrations.
The pressure for cost reduction, speed, and productivity turn efficiency into a core requirement, demanding automation for back office, charging, onboarding, and claim operations.
The increase in digital frauds and sophisticated threats force institutions to invest in advanced authentication and monitoring tools to reduce losses, preserve reliability, and secure operations.
Open Finance, ESG, and KYC/KYB/AML regulations, besides governance, AI ethics, and ESG 2.0, increase operational complexity, turning compliance unavoidable and forcing institutions to adopt regulatory monitoring mechanisms.
Embedded finance and the will to expand beyond traditional services demand new distribution and monetization models, and non-financial firms also incorporate financial services, bringing the bank where the customer is.
One of the most traditional industries now face the need for the most modern technologies as digitization spreads and new demands arise
AI/R’s Agentic AI approach connects efficiency and governance with new ways of generating value for your company and your customers.
Legacy Modernization
Move away from legacy constraints that lead to high infrastructure costs and operational complexity. Unlock new ways to innovate and enhance experiences in the AI era.
- Up to 42% savings by eliminating licensing costs
- 60%–100% faster legacy modernization
- AI agents to analyze codebases with millions of lines
- Redesign of complex legacy workloads into modern, cloud-native architectures
AI AML Orchestration
Embed the Anti-Money Laundering (AML) accelerator: detect typologies and have alert prioritization and automated generation of SAR drafts while aligning with BACEN/COAF and FATF guidelines, audit-ready by design.
- 90% less time preparing reports
- Data ingestion and normalization
- Sanctions and PEP screening + KYC/KYB assistant
- Risk-based monitoring and typology engine
- Analyst workbench and case management
- Graph analysis and network detection
- Investigation assistant with GenAI and case file builder
Predictive AI Fraud Detection
Identify financial fraud in a predictive and real-time manner by combining Machine Learning (ML), behavioral analysis, and end-to-end data and model governance.
- Integration with Pix and Open Finance ecosystems
- Accurate identification of anomalous patterns
- Reduction of false positives, protecting digital transactions, cards, and transfers before settlement
- Risk mitigation, ensuring regulatory compliance and customer trust without compromising the user experience
Onboarding (KYC/KYB)
Identify financial fraud in a predictive and real-time manner by combining Machine Learning (ML), behavioral analysis, and end-to-end data and model governance.
- Identity validation, document analysis, and checking of public and private databases
- Reduction of identity fraud, mule accounts, and fraud during credit or digital account opening
- AI applied to biometrics, OCR, and liveness detection
- Plug-and-play APIs & SDKs, operational dashboards, and review desk
Agentic AI Concierge
Embed an intelligent financial digital assistant based on conversational AI to go beyond traditional chatbots, analyzing data, planning initiatives, and executing tasks on the clients’ behalf.
- Personalized recommendations and guiding, with less complexity and increased conversions
- Support for renegotiation and investment suggestions, credit, and demand forecasting
- Reduced human call center tickets, freeing teams for more sensitive tasks
- Retrieval augmented generation (RAG) according to knowledge bases and data
Dynamic Credit Decisioning
Analyze, decide, and adjust credit limits autonomously, intelligently, and in real time by combining internal, external, and alternative data and learning from client behavior.
- Real-time credit scoring and context-aware decision rules engines
- Event-driven triggers and real-time API layer
- Data processing with decisions in milliseconds, supporting onboarding, BNPL, renegotiation, and limit raise
- Microjourneys and smart UX components, policy, governance, and analyst control layer
Agentic AI Workflows
Modernize your operations by eliminating unnecessary steps and embedding AI agents into workflows, optimizing processes and automating what’s left.
- AI agents to automate and accelerate tasks, working in collaboration with human teams
- AI embedded into legacy workflows to redesign operations
AI-powered Regulatory Automation Engine
Monitor regulatory updates, interpret obligations in real time, and transform them into automated workflows and auditable evidence.
- Adjustments to rapidly-changing regulations without relying on manual processes and interpretation
- Automated, consistent compliance with auditability
- Compliance workflows orchestration while ensuring evidence and reports are always up to date
AI-powered Reconciliation Engine
Gain real-time visibility and control over financial flows, ensuring every transaction is correctly matched, validated, and posted across all systems.
- Data ingestion from any provider or system, normalized into a unified financial schema
- Configurable rule-based and AI-assisted matching to identify discrepancies early
- Exception workflow orchestration and audit-ready evidence
- Less manual work, with financial accuracy ensured end to end
Smart Agreements
Embed smart agreements as an intelligent layer over financial contractual processes, translating contractual clauses into programmable logic with automated execution.
- Contract automation engine
- Digital identity and signature integration
- Event-driven execution
- Regulatory and compliance framework
- System and API orchestration
- Real-time monitoring and analytics
Ready to meet you where you are and move you forward.
GLOBAL FOOTPRINT. BORDERLESS PRESENCE.
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San Francisco, California, USA
SOUTH AMERICA
Business Office
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