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Retail Banking Automation With Agentic AI
Multimodal builds agentic AI for retail banking workflows like KYB/KYC, account opening, loan origination, AML/compliance, and more. Our platform delivers end-to-end automation for retail banks.
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How Multimodal AI Agents Work
Our AI Agents learn, think, and act with different built-in capabilities. We fine-tune these AI Agents on your company data and deploy them as APIs through our AgentFlow platform.
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Document AI
Trained on your schema to extract, label, and organize data from structured and unstructured documents.
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Decision AI
Ingests your internal manuals and guidelines, providing accurate data-driven decision recommendations for complex workflows.
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Database AI
Access company databases to answer queries, interpret datasets, and provide actionable insights.
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Automating Key Retail Banking Workflows
Mortgage Origination & Underwriting
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Automated loan applications: Extract customer data from loan applications instantly, reducing manual input and processing time.
Intelligent underwriting: Assess applications against internal underwriting guidelines to provide decision assistance to underwriters.
Efficient loan servicing: Automate tasks like payment processing, delinquency management, and loan modifications.
KYB/KYC
Enhanced due diligence: Extract and verify business and customer information from various sources while performing AML and sanctions screening.
Ongoing monitoring: Continuously monitor customer and business activities for suspicious behavior, triggering alerts for potential risks and enabling proactive intervention.
Automated due diligence: Automate document review and background checks by extracting relevant information, identifying inconsistencies and flagging inconsistencies.
Fraud Detection & Prevention
Advanced fraud detection: Analyze transaction data, customer behavior, and external factors to detect anomalies and identify potential fraud.
Real-time risk assessment: Automatically identify changes in customer behavior or risk factors, banks can take steps to prevent fraud and reduce losses.
Behavioral biometrics: Track customer behavior, such as typing patterns, mouse movements, and device usage to identify anomalies that may indicate fraudulent activity.
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Personalized Banking
Tailored product recommendations: Analyze customer behavior, transaction history, and demographics, to identify relevant products and automatically offer them at the right time.
Proactive financial advice: Analyze customer financial data, identify potential risks and opportunities, and offer tailored advice to help customers achieve their financial goals.
Personalized investment strategies: Create tailored investment portfolios based on customer risk tolerance and goals.
Security & Data Privacy First
Flexible deployment
Our automation software is deployed on your infrastructure, either on your virtual private cloud (VPC) or on-premises.
Data security
Your data stays within your systems, ensuring user privacy and compliance with regulations, enhancing business security.
Enhanced protection
This setup safeguards your users, keeping your operations secure and compliant.
Why Retail Banks Love Multimodal
Transparent & Explainable
Our AI Agents are explainable, helping you track decisions and stay compliant with banking regulations.
Integration & Flexibility
We provide end-to-end integration with legacy systems and existing workbenches. Our AI Agents also learn and improve continuously.
Tailored Automation
Our AI Agents are trained on your company data, increasing accuracy, customer satisfaction, and specific risk identification.
Continuous Improvement
Our AI Agents that learn and improve continuously, adapting to changing needs of the banking regulatory environment.
Book a 30-minute demo
Explore how our agentic AI can automate your workflows and boost profitability.
Get answers to all your questions
See how AI Agents work in real time
Learn AgentFlow manages all your agentic workflows
Uncover the best AI use cases for your business
FAQ
Agentic AI in banking can cut down processing times for key workflows like loan origination, account opening, KYC/KYB, compliance, and more. This drives cost savings productivity gains.
Agentic AI systems like AgentFlow can automate KYC/AML compliance by deploying specialized agents to extract and cross-reference customer data from multiple sources, apply rule-based logic for risk assessment, and generate audit-ready reports, streamlining the entire process while maintaining regulatory compliance.
Contact us for more information on our pricing.
AI-powered fraud detection systems can analyze vast amounts of transaction data in real-time, identifying suspicious patterns and anomalies that may indicate fraudulent activity. These systems can reduce fraud losses by up to 30% by flagging potential threats for investigation before they result in financial damage.
AI enables retail banks to offer highly personalized services by analyzing customer data, transaction history, and behavior patterns. This allows banks to provide tailored product recommendations, customized financial advice, and personalized marketing offers, potentially increasing customer engagement by up to 20%.
AI-powered chatbots and virtual assistants can provide 24/7 customer support, handling routine inquiries and transactions instantly. This improves response times, reduces operational costs, and allows human staff to focus on more complex customer needs.
Yes, AI can enhance credit scoring by analyzing a broader range of data points, including alternative credit data and behavioral patterns. This leads to more accurate risk assessments, potentially streamlining loan approvals while minimizing default risks.
AI systems can automate regulatory reporting and monitoring by scanning vast datasets for anomalies or violations. This proactive approach helps banks maintain compliance with evolving regulations while reducing human error and operational costs.
AI-driven automation can significantly improve back-office operations, reducing manual processing times and errors. This can lead to cost savings of up to 40% while improving overall operational efficiency