Your challenges are urgent: sky-high operational costs, evolving regulations like DORA, and a race to outpace fintech disruptors. The race for AI looms — your competitors are scaling while your teams struggle to keep up. You know already, that banks cannot just use generic AI (like ChatGPT in the US or DeepSeek from china) to avoid all sort of regulatory issues,
Banking
grade
AI
Our Services AI as a Service run in a Compliance Fortress tailored for Europe’s Financial Sector
Banks dont need more technology, they need solutions
How We Solve Your Top Pain Points
GDPR-Compliant AI, Built for EU Banking Hosted exclusively in EU datacenters, we ensure data sovereignty and regulatory peace of mind Custom-Trained Models for Your Unique Needs No generic AI. We build models trained on your data. enhance your fraud detection, risk forecasting, hyper-personalized customer insights. Seamless Integration Plug into our AI "highway" via a dedicated API—embed predictive power into legacy systems.
What you can do with AI
XC integrates advanced AI and machine learning to optimize labor-intensive, high-cost banking functions while maintaining regulatory rigor. We target operational inefficiencies in front-, middle-, and back-office workflows, reducing manual effort by 30–50% and accelerating decision cycles
Step 1: AI Consulting - our experts help you explore the options to open new perspectives as AI is not, how your team did things before. Step 2: We integrate 1 POC in 1 process, tailored to make AI work. Now you see the change. Step 3: Expand, and explore iterative the next solutions
banking grade AI
Infrastructure
Faster AI Integration
AI infrastructure enables seamless workflow automation through modular components. We configure sophisticated AI pipelines by combining multiple specialized models, tools, and custom code into cohesive systems.
- End-to-end process optimization
- Cross-model capability
- API-driven extensibility
- Custom solution development
Regulatory Compliance
AI helps organizations adhere to evolving legal and industry standards effortlessly.
- Automated reporting
- Audit trails
- Policy enforcement
- Risk assessment
Scalable Efficiency
AI infrastructure enables businesses to scale operations while maintaining optimal performance. / Early
- Agentic systems
- Resource optimization
- Faster decision-making
- Cost-effective growth
Advantages of banking-grade AI over mainstream AI
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Data security and isolation Banking-grade AI: C5-certified data centers with complete data isolation and data retention within defined jurisdictions Traditional providers: Data could potentially be used for training; Data centers without bank-specific certifications |
Decision Traceability Banking-Grade AI: Full explainability with documented decision paths for regulators Traditional providers: Limited transparency in decision-making, "black box" issues |
Auditability Banking-Grade AI: Complete audit trails for every AI process and decision Traditional providers: Limited audit trails, insufficient for bank audits |
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Human-in-the-loop controls Banking-Grade AI: Continuous human monitoring and control mechanisms Traditional providers: Largely automated processes with limited human oversight |
Model Governance Banking-Grade AI: Strict model risk management and versioning Traditional providers: No formalized governance processes, one must fit all |
Risk Mitigation & Audit Assurance We manage and reduce regulatory and compliance risks drastically to enable the use of AI in highly sensitive and regulated banking critical areas. Traditional providers: Lack necessary export capabilities |
RealWorld AI Solutions - BANKING GRADE
Use Cases and Seamless Integration
What AI Does Analyzes millions of transactions in real time to flag suspicious patterns (e.g., mule accounts, unusual cross-border activity). Learns from historical fraud cases to refine detection rules, reducing false positives by up to 70%. Integration Connects via API to core banking systems and payment gateways. Automatically alerts compliance teams via Slack/Teams and populates case files in your existing workflow tools (e.g., SAS, Actimize).
What AI Does Predicts default risk by analyzing non-traditional data (cash flow patterns, industry trends) alongside credit scores. Visual models, automate document processing using OCR techniques and knowledge to extract information and evaluate a documents originality Integration Embeds into loan origination platforms (e.g., Finastra, Temenos) via REST API. Outputs risk scores directly into loan officers’ dashboards with explainable AI “reason codes” for regulatory transparency.
What AI Does Powers chatbots to resolve routine inquiries (balance checks, card blocks) in 15+ languages. Analyzes transaction history to recommend hyper-personalized products (e.g., mortgage offers for frequent rent payers). Integration Deploys chatbots via web SDK or WhatsApp Business API. Syncs with CRM systems (Salesforce, HubSpot) to trigger targeted offers based on customer behavior.
What AI Does Automates back-office tasks: invoice processing, reconciliation errors, and IT service desk tickets. Cut manual effort in Document Verification Processes. Integration Connects to ERP systems and internal ticketing tools (like ServiceNow). Delivers predictions via email alerts or Power BI dashboards.