AI Agents for Finance & Banking

Automate Every Customer Financial Touchpoint.
From Fraud Alerts to Loan Approval — Instantly.

Deploy purpose-built AI agents across your bank or financial institution — automate fraud detection, loan queries, KYC, transaction disputes, and account opening 24/7. No code, no core banking overhaul.

Describe your agent — we build it
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No Code Required Enterprise System Sync 24/7 Autonomous Ops Live in Under 1 Hour
78%
of fraud alert calls
handled without
human intervention
60%
faster loan application
qualification vs.
branch process
10 min
avg. digital KYC
onboarding (was 3
days branch process)
24/7
financial support
across all regulated
channels
Agent Library

8 AI Agents Built for Finance & Banking

Each agent handles a specific banking workflow compliantly and autonomously. Connect your core banking, CRM, and credit bureau APIs — live in minutes.

Fraud Alert Agent
Detects suspicious transactions in real time, contacts customers via WhatsApp for confirmation, and freezes/unfreezes cards instantly — reducing fraud loss and false positives.
Real-time DetectCard FreezeFalse Positive Mgmt
Loan Eligibility Agent
Collects applicant data, runs a soft credit check, calculates an indicative loan offer, and routes qualified applications to your lending team with full credit file context.
Soft Credit CheckOffer CalcLead Routing
KYC & Onboarding Agent
Guides new customers through identity verification, document upload, liveness check, and account opening — completing digital onboarding in under 10 minutes.
eKYCLiveness CheckAccount Opening
Transaction Dispute Agent
Collects dispute details, retrieves transaction history, validates merchant response timelines, and submits chargeback requests per card scheme rules.
Chargeback SubmitMerchant TimelineDispute Track
Card Services Agent
Handles card limit increases, replacement requests, PIN resets, travel notifications, and spend controls — without branch or call centre involvement.
Limit IncreasePIN ResetTravel Notify
Investment Query Agent
Answers portfolio performance questions, explains fund holdings, processes ISA contributions, and routes complex advice queries to regulated advisers.
Portfolio QueriesISA OpsAdviser Routing
Statement & Document Agent
Retrieves statements, generates tax certificates, and issues regulatory documents on demand — instantly, without agent involvement.
Statement RetrievalTax CertRegulatory Docs
Savings & Product Agent
Compares savings products, processes ISA transfers, opens fixed-rate bonds, and runs interest rate queries — 24/7 on web, app, and WhatsApp.
ISA TransferBond OpeningRate Queries
Problems & Solutions

Real Pain Points.
AI-Powered Fixes.

Organisations lose time and money daily to manual, reactive operations — every one of these is solvable with an AI agent today.

Common Challenges
Fraud alert calls overwhelm contact centres
Every suspicious transaction triggers a call. Agents spend 15–20 min on identity verification and manual card freezes — costing £8+ per incident.
Loan qualification takes days in-branch
Customers wait 3–5 days for an indicative offer. Qualified leads go cold or go to competitors with faster digital journeys.
KYC onboarding takes 3 days
Manual document review, ID verification, and compliance checks create 3-day average onboarding timelines — losing digitally-native customers to neobanks.
Transaction disputes require 8–10 touchpoints
Customers must call, submit forms, wait for merchant response, and then call again. Average dispute resolution: 45 days.
Card services flood Tier-1 support
PIN resets, limit increases, and travel notifications are simple but volume-heavy — consuming 40% of retail banking call centre capacity.
What Your AI Agent Does
Handles 78%+ of fraud alerts without a human
AI detects the transaction, contacts the customer on WhatsApp, confirms fraud/legitimate with one tap, and freezes or clears the card instantly.
Qualifies loan applications in under 10 minutes
AI collects data, runs soft credit check, presents indicative offer, and routes qualified leads with full credit context to your lending team.
Completes digital KYC in under 10 minutes
AI guides identity verification, liveness check, and document upload — activating accounts same-day vs. 3-day branch process.
Automates dispute submission end-to-end
AI collects dispute reason, retrieves transaction history, checks scheme timelines, and submits chargeback request automatically.
Deflects 70%+ of card service calls instantly
PIN reset, limit increase, travel notification, and spend control — all resolved by AI with full core banking integration.
How It Works

Build Your AI Agent
in 4 Simple Steps

No system overhaul, no dev team, no months of integration. Go from description to live agent in under an hour.

1
Connect Your Core Banking Stack
Link your CBS (Temenos, Finastra, Oracle FLEXCUBE), CRM, credit bureau APIs, and card scheme gateways via secure, FCA-compliant APIs.
2
Configure Compliance Boundaries
Set credit check consent rules, card freeze thresholds, KYC document requirements, and escalation triggers per product and regulatory requirement.
3
Deploy on Regulated Channels
Go live on your mobile banking app, web portal, WhatsApp Business, SMS, and regulated email — with full audit logging for FCA compliance.
4
Monitor, Audit & Report
Real-time fraud dashboards, KYC completion rates, dispute resolution SLAs, and PCI-DSS compliant audit trails all built in.
// Agent Execution Flow
Customer Request
App · WhatsApp · Web · IVR · SMS
↓
Intent Classification
Fraud · Loan · KYC · Dispute · Card · Statement · Investment
↓
Core Banking / CRM Data Fetch
Account · Transaction · Credit · Card · Product data
↓
Autonomous Action
Freeze card · Submit KYC · Route loan lead · Raise chargeback
↓
Log & Compliance Audit
FCA audit trail · PCI-DSS logs · Dispute SLA tracking
Operational Gaps

6 Revenue Leaks in Your
Operation — Fixed by AI

Every one of these costs you time, money, and customer trust every day — and every one can be fixed with an AI agent.

Leak 1
Fraud Alert Calls Cost £8+ Each
Every suspicious transaction = one call. Manual identity verification and card management cost £8–£12 per incident at scale.
AI Fixes This
AI detects fraud and contacts customer via WhatsApp instantly
One-tap card freeze or confirmation — no hold time
Reduces fraud alert call volume by 78%
Leak 2
Loan Applications Go Cold in 3–5 Days
Customers expecting instant digital decisions go to competitors with faster journeys. Every day of delay = lost loan revenue.
AI Fixes This
AI qualifies applications and presents indicative offers in minutes
Soft credit check with no footprint on customer file
Qualified leads routed to lenders with full credit context
Leak 3
3-Day KYC Onboarding Loses Digital Customers
Neobanks complete onboarding in 5 minutes. Traditional 3-day processes drive digital-native customers to competitors.
AI Fixes This
AI guides eKYC, liveness check, and document upload in 10 minutes
Activates accounts same-day on successful completion
Reduces manual review burden on compliance team by 80%
Leak 4
Dispute Resolution Takes 45 Days and Multiple Calls
Customers call multiple times. Agents manually check scheme rules, chase merchants, and update customers — all at cost.
AI Fixes This
AI submits chargeback request in one automated flow
Validates scheme rules and merchant timelines automatically
Keeps customers updated proactively throughout
Leak 5
Card Services Consume 40% of Call Centre Capacity
PIN resets, limit increases, and travel flags — simple, high-volume, and expensive to handle at a call centre.
AI Fixes This
AI handles PIN reset, limit increase, travel flag instantly
Full core banking integration — changes take effect immediately
Frees agents for complex advisory and complaints
Leak 6
Document Requests Require Agent Retrieval
Customers call for statements, tax certificates, and regulatory documents. Agents manually retrieve and email — adding unnecessary cost.
AI Fixes This
AI retrieves and delivers documents on demand instantly
Secure authenticated delivery via app, email, or WhatsApp
Eliminates document-related call centre volume entirely
Multi-Modal AI Platform

Not Just Workflows — Build Voice AI Agents
& Conversational AI Chatbots

Deploy AI agents across every channel. Whether your users prefer natural phone calls, live web chat, WhatsApp Business, or automated backend workflows.

Autonomous Workflow Agents

Execute complex multi-step backend actions, ERP/BSS data syncs, scheduled cron jobs, and auto-credit/refund workflows with human-in-the-loop approvals.

Backend AutomationAPI Actions
Explore Workflow Agents

Voice AI Agents

Human-like inbound and outbound phone calls with ultra-low latency (<300ms). Handles IVR replacement, call triage, appointment booking, and phone support 24/7.

Sub-300ms LatencyIVR & Phone Calls
Explore Voice AI Agents

Conversational AI Chatbots

Interactive multi-channel chatbots for Web, WhatsApp Business, SMS, and Mobile Apps. Delivers instant answers, product recommendations, and guided self-service.

WhatsApp & WebSelf-Service
Explore Conversational Chatbots
Designed for Enterprise

Enterprise Architecture, Security
& Operational Control

RhinoAgents is built for enterprise scale — delivering full observability, explainability, bank-grade security, and 99.9% uptime.

Observable
Define and measure success with enterprise-grade observability, real-time telemetry, and version control.
TelemetryVersion Control
Explainable
Not a black box — built-in AI auditor ensures tasks are completed as intended & proposes continuous improvements.
AI AuditorFull Context
Secure
No data sharing. SOC 2 Type II and GDPR compliant with safe staging environments and robust guardrails.
SOC 2 & GDPRNo Data Sharing
Scalable
Guaranteed 99.9% uptime with smart fallbacks, seamless auto-scaling, and model-agnostic LLM technology.
Model AgnosticSmart Fallbacks
Reusable .md Skills Engine
Standardized Markdown format dynamically loads only required instructions — saving 80% tokens with sub-180ms execution.
Multi-Layer Agent Memory
Session, long-term, and organizational memory with 30d/90d retention controls & full admin purge capabilities.
RBAC & Enterprise SSO
SAML 2.0 / Okta / Azure AD authentication paired with granular role permissions and cryptographic audit logs.
Explore Full Platform Feature Suite →
ROI Estimator

What Could AI Agents Save
Your Organisation This Year?

Adjust the sliders to your operation size and see your potential annual savings from deploying RhinoAgents.

Monthly Customer Queries50000
Avg. Agent Cost Per Query (£)£8
AI Deflection Rate (%)78%
Monthly Fraud Alert Incidents2000
Avg. Fraud Alert Handling Cost (£)£12

* Based on industry benchmarks from RhinoAgents customer deployments.

£0
Annual Query Cost Saved
£0
Annual Fraud Alert Handling Saved
£0
Total Estimated Annual Value
Book a Demo
Every day without AI agents costs you avoidable operational spend and preventable customer loss.500+ teams deployed their first RhinoAgent in under 60 minutes. Yours can too.
Book a Demo
Integrations

Connects to Your Entire Tech Stack

RhinoAgents plugs into your existing systems with zero legacy disruption.

Temenos / Finastra CBS
Core banking
Oracle FLEXCUBE
Account & product data
Experian / Equifax
Credit bureau APIs
Visa / Mastercard
Scheme chargeback rules
Jumio / Onfido
eKYC & liveness check
WhatsApp Business
Fraud & customer alerts
Banking App SDK
In-app AI integration
FCA-Compliant REST APIs
Any regulated platform
Why Switch

RhinoAgents AI vs.
Your Legacy Manual Process

The numbers don't lie. Manual, reactive operations are expensive, slow, and unscalable — especially during peak events.

MetricTraditional / ManualRhinoAgents AI
Fraud alert resolution time15–20 min call + manual card freeze✓ Under 90 seconds via WhatsApp
KYC onboarding time3 days manual review✓ Under 10 minutes automated
Loan application qualification3–5 days in-branch✓ Indicative offer in under 10 minutes
Transaction dispute process8–10 touchpoints, 45 days✓ One automated flow, under 14 days
Card PIN reset10–15 min call centre hold✓ Under 60 seconds via app or WhatsApp
Statement retrievalAgent manually retrieves + emails✓ Instant, authenticated self-service
24/7 availabilityBusiness hours call centre✓ 24/7 across app, WhatsApp, web, SMS
Deployment timeline12–36 months core banking project✓ Live in under 60 minutes via API

"Our fraud alert agent handles 81% of suspicious transaction calls without a human agent. The customer gets a WhatsApp message within 45 seconds of the alert. They tap to confirm or deny. Card is frozen or cleared instantly. Our fraud team only sees the cases that genuinely need them — it has transformed our fraud operations model."

Head of Fraud Operations — UK Retail Bank, 1.4M Current Accounts

Case Studies

Real Results from Real
Organisations

Not pilot programs. Production AI deployments handling real workloads every day.

Retail Bank
UK Retail Bank — 1.4M Current Accounts
UK · Deployed: Fraud Alert + KYC Onboarding + Card Services agents

The challenge: Fraud alert calls costing £11 each, 3-day KYC pipeline losing 28% of new applicants to competitors, card service calls at 42% of Tier-1 volume.

81%
Fraud alert calls handled without human agent
8 min
KYC completion time (was 3 days)
£1.8M
Annual contact centre cost saving
Digital Lender
Challenger Lender — £400M Annual Loan Book
EU · Deployed: Loan Eligibility + Transaction Dispute + Statement agents

The challenge: Loan qualification taking 4 days average. 38% of applicants abandoning before offer. Dispute resolution at 48 days.

67%
Application completion rate (was 38%)
9 days
Dispute resolution time (was 48 days)
£920K
Additional loan revenue from faster qualification
Book a Demo
FAQ

Common Questions

Yes. The fraud alert agent follows Strong Customer Authentication (SCA) requirements under PSD2. All card freeze and unfreeze actions require authenticated customer confirmation via the registered channel. Full audit logs are maintained for FCA regulatory reporting.
The KYC agent integrates with accredited eKYC providers (Jumio, Onfido, Experian) to complete identity verification, document authenticity checks, and liveness detection. It is configured against your institution's AML risk appetite and flags enhanced due diligence cases for manual review.
No. The loan eligibility agent provides indicative, illustrative offers based on data collected — it does not provide regulated financial advice. Qualified leads are routed to your regulated advisers or lending team with full context for the final advisory step.
The agent escalates to a dedicated fraud analyst with full transaction history, customer confirmation logs, and evidence already compiled. For chargebacks, the agent submits the claim to the relevant card scheme and then monitors for merchant response, updating customers proactively.
Yes. RhinoAgents is SOC 2 Type II certified and GDPR-compliant. No customer data is used to train any AI model. Data residency can be configured to EU or UK regions. A Data Processing Agreement (DPA) is included with all financial services deployments.

Ready to Transform Your
Bank's Customer Operations with AI?

Join financial institutions using RhinoAgents to automate fraud alerts, accelerate KYC, and deliver 24/7 compliant banking support.

Book a Demo
No credit card required Live in under 60 minutes ERP/system integration included SOC2 compliant & secure