THE BANKING OPERATING SYSTEM

The operational brain of your bank.

An operating system purpose-built for banking - with shared context, coordinated execution and controlled governance. Every customer, employee and AI agent operates from the same foundation.

Trusted by 120+ leading banks

01

02

03

04

Layer 01

Understand the frontline

Every customer and operation fully known to every system.

One shared semantic model of every customer, operation and state that every system, agent, and workflow operates from.

Layer 02

Run the frontline

End-to-end orchestration across the entire frontline.

Customer journeys, case routing, and agentic workflows - orchestrated end-to-end across humans, agents, and systems.

Layer 03

Authorize the frontline

Autonomy and automation with a full audit trail.

No agent, employee, or system acts without a Decision Token that checks policy and records evidence.

Layer 04

Optimize the frontline

The Operating System gets smarter with every case

Intelligence that observes, decides, and improves continuously. Every resolved case, every completed journey, and every human override feeds back into the AI models.

The architecture

AI-native from the ground up.

Adding AI to old banking software doesn't work. The Banking OS was built for AI from day one. Every layer serves customers, employees, and agents - working as one. Every action runs through the same authority. Every decision reads from shared context.

Semantic Layer - nexus

05

Authority Layer - sentinel

06

Connectivity Layer

01

Interaction layer

Customers interact through banking apps that adapt to their needs in real time.

Employees work in role-specific workspaces with everything pre-assembled - no toggling between systems to service one customer.

Conversational banking that converts intent into action - working for both. Natural language in, authorized banking actions out.

02

Orchestration Layer

Every journey, case, and workflow runs end to end on one engine.

Predictable processes follow deterministic rules. Complex situations route intelligently to AI agents. Both run side by side - every handoff automated, every action audited.

03

Intelligence Layer

Governed and AI-act compliant from day one.

LLMs, domain models, machine learning, and risk models - all running inside a continuous learning loop. Every resolved case makes the next decision more accurate. Pre-trained on banking data. Governed and AI-act compliant from day one.

04

Semantic Layer - nexus

No conflicting data. No manual reconciliation.

One definition of every customer, account, product, and case - used by every employee, agent, and workflow across the entire frontline.

No conflicting data. No manual reconciliation.

05

Authority Layer - sentinel

No action executes - by any actor, human or AI - without explicit authorization and Decision Token.

Every decision carries a full record: who acted, under which policy, with what evidence. AI autonomy is configurable per domain and revocable at any time.

06

Connectivity Layer

The Banking OS sits above your existing infrastructure.

It doesn't replace cores, CRMs, or data platforms - it connects to them through standardized contracts and event streams, coordinating the work between them in real time.

THE BANKING OS FACTORY

Control everything that runs in the banking OS with Factory.

Your team owns everything that runs in the frontline - and has the engineering freedom to shape it. Design workflows, build agents, write policies, extend the system with your own logic. Ship on your own cadence. Evolve along with your bank.

Start

Ships pre-loaded with banking logic. Shape the specifications and configuration to your operating model.

Configure

Pre-validated blueprints from 120+ real bank implementations. Workflows, semantic models, agents, policies, and integrations - bundled per domain.

Build, Test, Deploy

Low-code studio for workflows, agents, policies, and connectors. Governed pipeline - version control, CI/CD, releases, rollback - on one engine.

Monitor

Live view of every workflow, agent, and system in production. Performance, SLAs, and agent impact - always visible.

Simulate

Test workflows, agents, and policies in a sandbox against real data. Catch issues before customers do.

Questions

Frequently Asked Questions

See the Banking OS in action

See how the Banking OS coordinates your customers, employees, and AI agents into one operating model.