Financial AI
Auditable AI for banks, insurers, and capital markets.
Yobitel runs sovereign, model-transparent AI for tier-1 banks, fintech challengers, and insurance groups — fraud, AML/KYC, credit risk, contract review, treasury forecasting, conversational banking. DORA-ready, MAS-aware, and demonstrably explainable to your second-line risk function.
90%
Fraud catch rate
−70%
Manual KYC review
DORA-ready
ICT resilience
SOC 2 / ISO 27001
Controls baseline
What's hard
The realities of financial services AI.
Honest about the constraints. AI in this sector isn't a wrapper on a hosted LLM. It has to land inside your boundary, respect your regulators, and earn the trust of the people on the front line.
Black-box models fail second-line review
Internal model-risk frameworks (SR 11-7, PRA SS1/23) demand reproducibility, lineage, and explanation. Vendor models that can't show their work get blocked at the model-risk committee.
Fraud and AML adversaries adapt weekly
Static rule engines miss novel attack patterns; LLM-augmented detection needs streaming features, low-latency inference, and a human-investigator loop that's auditable end-to-end.
Regulatory complexity multiplies by jurisdiction
DORA in the EU, FCA in the UK, MAS in Singapore, FINMA in Switzerland — and each business line layers on PCI-DSS, MiFID II, SOX, and consumer-duty rules.
Data residency, key custody, exit plan
Regulators want to see where data sits, who holds the keys, and how the institution exits the vendor cleanly. SaaS LLMs rarely answer all three.
Where AI moves the needle
Six use cases customers ship today.
These aren't demos. Each pattern is in production for at least one customer in this sector. Click through to the underlying Yobitel app, or have us build the custom variant.
Real-time fraud detection
Sub-100ms scoring on card-not-present, ACH, and instant-payment rails. LLM enriches alert narratives for investigators.
KYC / KYB automation
Document extraction, UBO resolution, sanctions and PEP screening, adverse media synthesis — with full evidence pack per case.
Contract & ISDA review
Clause extraction across ISDA, CSA, LMA loan docs, vendor MSAs. Diff against playbook, flag deviations for legal review.
Credit & treasury forecasting
PD / LGD / EAD models with explanation. Cash and FX forecasting with scenario stress for treasury and ALM teams.
Conversational banking & wealth
Authenticated assistant for retail, SME, and private banking. Hand-off to human with full context preserved.
AML transaction monitoring
Graph-based typology detection over payment flows. Reduces alert volume while improving SAR quality and analyst productivity.
Featured apps
The Yobitel apps powering Financial Services.
Pre-built, vertical-tuned, observable, and one-click-deployable on the Yobibyte platform. Each link is a deeper drill-in.
NexusCRM
Lead scoring, conversation intelligence, predictive pipeline for relationship managers and private bankers.
Agentic RAG
Multi-agent retrieval over policy, regulation, and the customer record. Tool use for case management and core banking APIs.
LLM Fine-Tuning
Tune on your policy library, your customer-service transcripts, your tone-of-voice — without ever leaving your environment.
Tokenised Inference
Per-business-line attribution of inference cost, with tenant isolation for retail / commercial / wealth on shared GPU pools.
Regulators & frameworks
Built for the audit, not after it.
Compliance isn't a wrapper on top. It's embedded in how we deploy, train, monitor, and prove decisions for financial services customers.
PCI-DSS v4.0
Tokenisation, key-management, network segmentation, and quarterly attestation. CDE never touches the LLM context window.
DORA (EU)
ICT third-party register, exit testing, threat-led pen testing alignment, incident classification, sub-outsourcing register.
SOX & SR 11-7
Model inventory, lineage, challenger models, change-management evidence. Quarterly attestation and model-risk-committee artefacts.
MAS TRM & FEAT (Singapore)
Fairness, Ethics, Accountability, Transparency — implementation guidance and TRM control mapping for SG-licensed entities.
FCA & PRA (UK)
Senior Managers Regime mapping, Operational Resilience self-assessment, Consumer Duty outcomes evidence, SS1/23 AI guidance.
GDPR & MiFID II
Profiling notice, automated-decision-making rights, transaction-reporting hooks, best-execution evidence retention.
How we deploy
The Financial Services deployment pattern.
The shape of every successful financial services engagement, refined across years of customer rollouts and grounded in the operational reality of the sector.
- 01
Land in your regulated estate
BYOC into your AWS / Azure / GCP region, your on-prem private cloud, or our sovereign region. Exit plan documented day one.
- 02
Wire to core systems
ISO 20022 payment rails, SWIFT, core banking, case management, sanctions feeds, market data. Read-only by default.
- 03
Model with lineage
Every model versioned in the registry; every prompt template, every retrieval corpus, every fine-tune captured for audit.
- 04
Explain every decision
SHAP / counterfactual explanations on tabular risk; citation rendering on LLM outputs; human-investigator override with reason codes.
- 05
Monitor, attest, repeat
Drift, fairness, and concept-shift dashboards by segment. Quarterly model-risk committee pack auto-generated from the registry.
Outcomes, measured
The numbers customers put on the slide.
Quantified outcomes from production deployments. Each tied to a real customer, even when the logo is held back at their request.
90%
Fraud catch rate
Tier-1 retail bank
−70%
Manual KYC review
Digital-only challenger
−45%
False-positive AML alerts
Universal bank, EMEA
12×
Faster contract review
Investment-banking legal
Customer story
Tier-1 EMEA retail bank
Cut analyst review per AML alert from 45 minutes to 9, lifted true-positive rate by 18%, with full lineage to satisfy the JST.
“What sold our model-risk committee was the lineage — every retrieval, every prompt, every fine-tune is in the registry. We can reproduce any decision from any day.”
What we delivered
90%
Fraud catch rate
−70%
Manual KYC review
−45%
False-positive AML alerts
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ExploreReady to ship AI in financial services?
Book a working session with Yobitel engineers who've done it before in your sector. Walk away with a concrete deployment plan and an eight-week pilot scope.