Directory of core banking platform vendors using AI

Aurionpro Solutions is a Mumbai headquartered technology group listed on the Indian exchanges, operating across banking, payments, insurance, smart mobility, data centre services and government. Its banking business runs through Integro Technologies, a Singapore based subsidiary with delivery centres across South East Asia whose SmartLender platform covers the full corporate, small business and retail credit lifecycle including origination, risk assessment, documentation, disbursement, monitoring, limits management, collateral management, loan management and alternative finance, with a separate SmartLender ESG module for green and sustainability linked lending that classifies environmental data and addresses greenwashing risk under the Green Loan Principles. Adjacent product lines include iCashPro for cash management, Fenixys for treasury and capital markets following the acquisition of a French vendor, AuroDigi for omnichannel digital banking, Auropay for payments, and Omnifin and Interact DX acquired for loan management and customer engagement. The artificial intelligence capability comes from Arya.ai, a Mumbai enterprise AI company in which the group took a 67 percent majority stake, specialising in explainable AI, model governance and continuous monitoring for banks and insurers, and delivering document processing, credit assessment, identity verification and cheque clearance through APIs. In December 2025 the group launched AurionAI, a domain led enterprise AI platform for financial institutions combining an application layer, orchestration tooling, models, knowledge systems and data connectors, with an OmniGraph component linking fragmented proprietary bank data, alongside Lexsi Labs addressing AI orchestration, security, interpretability and governance. Named customers include Axis Bank for know your customer workflows and Tata AIG for insurance onboarding, with State Bank of India, UOB, OCBC and Bank of Ayudhya identified in analyst coverage. Integro has been named a Chartis category leader across five corporate lending quadrants and the platform won the Euromoney world's best lending solution award for 2026.

Azentio Software is a Singapore headquartered business to business technology provider for banking, financial services and insurance, assembled from 2020 by the private equity firm Apax Partners through the combination of several established regional software businesses including Path Solutions, whose iMAL core banking platform remains its flagship. It serves mid tier to large institutions across Asia, the Middle East and Africa. The product suite spans core banking, retail and corporate lending, digital banking and onboarding, treasury, trade finance, factoring and supply chain finance, wealth management, insurance policy administration and enterprise resource planning, organised under the ONEBanking, ONEWealth, ONEERP and related product lines. Islamic banking is a particular strength, with certification from the Accounting and Auditing Organization for Islamic Financial Institutions covering Shariah compliant financing, deposits, treasury and a profit calculation engine that automates accruals, allocations, reserves, distributions and profit sharing pool management. AMLOCK is its financial crime platform, covering the customer lifecycle from onboarding through transaction monitoring, sanctions and adverse media screening, risk management, investigation and regulatory reporting, and relaunched in 2025 with machine learning added alongside more than four hundred prebuilt rules, with the company claiming a reduction in false positives of up to forty percent. Digital onboarding uses identity verification, face matching and liveness detection. Named customers include Boubyan Bank in Kuwait on iMAL core banking, Philippine National Bank on core and digital modernisation, and Tamam Financing in Saudi Arabia on digital lending for microfinance. Chartis named the company a category leader in four 2026 quadrants for credit lending operations and two for sanctions screening, and it appears in the Chartis FCC50 2026, the QKS SPARK Matrix leader positions for anti money laundering and know your customer, and Celent's 2026 review of know your customer systems.

Finastra is a London headquartered financial services software group selling across lending and corporate banking, payments and universal banking. Its lending estate is the largest in this index by servicing footprint. Loan IQ is its commercial loan servicing platform, used by twenty one of the top twenty five syndicated lenders and reported to process roughly seventy percent of global syndicated loan volume with nine of the top ten global agent banks on it, covering syndicated, bilateral, small business, commercial real estate, small business administration and export finance lending on one platform, and used by banks, third party asset servicers and private credit lenders. Around it sit Trade Innovation for trade and supply chain finance, LaserPro for loan documentation which has served community, regional and national institutions since 1986 and reports more than three thousand of them, Mortgagebot for mortgage origination and borrower engagement, Corporate Channels, the Essence universal banking core, the Global PAYplus payments hub, Payments To Go and financial messaging. Loan IQ Nexus is a separate market integration layer built to connect internal and external market platforms. The company addresses nine named institution segments spanning community banks, credit unions, small business banks, mid tier and high tier financial institutions, corporate and commercial banks, non bank financial institutions, corporates and fintechs, and runs a partner application marketplace. The artificial intelligence line is a set of separately named assistive products rather than a single platform: Assist.AI, a conversational interface for trade finance and corporate banking; DataAssist.AI, delivering insight, predictive analytics and risk intelligence through natural language query and voice; Academy.AI, generative role based training for Loan IQ and Trade Innovation; a LaserPro cloud assistant; document translation; automated trade document classification and validation; and artificial intelligence assisted deal ingestion for Loan IQ delivered through a partnership announced in April 2026 with Marketnode, whose large language model based document automation extracts credit agreement terms into the Loan IQ Nexus Build module. The company employs a named chief artificial intelligence officer.

FIS is a Jacksonville headquartered financial technology group listed on the New York Stock Exchange, running systems that clear payments, move money and operate core banking for thousands of institutions worldwide, across banking solutions, capital markets solutions and commercial lending. Its Commercial Lending Suite was named a category leader in all five quadrants of the Chartis RiskTech Quadrant for Credit Lending Operations in 2026, which is the analyst roster this sweep has been working, and the recognition is framed around modernising lending operations and connecting fragmented workflows. The artificial intelligence line is unusual in this index for naming its suppliers. Treasury GPT, launched March 2025 and embedded in the treasury and risk management platform, is a generative product support tool giving real time guidance on platform configuration and practice, built with Microsoft and running on the Azure OpenAI service, alongside a wider Neural Treasury suite and a revenue insight product. In May 2026 the company announced a partnership with Anthropic to bring agentic capability into banking, beginning with a Financial Crimes agent that assembles evidence across a bank's core systems, evaluates activity against known typologies and surfaces the highest risk cases for investigator review, with Bank of Montreal and Amalgamated Bank named among the first deploying institutions and broader availability stated for the second half of 2026. The company has separately said it is applying a frontier model, Mythos 5, to scan and evaluate its own systems as an added cybersecurity layer under a controlled access initiative aimed at software supporting critical infrastructure. Further platform work named publicly includes a modern banking programme and a digital asset platform.

Infosys Finacle is the banking platform business of EdgeVerve Systems, a wholly owned product subsidiary of Infosys, headquartered in Bengaluru. It states that banks in more than one hundred countries rely on Finacle to serve over a billion people and millions of businesses. The suite covers core banking, digital lending, an origination suite, digital engagement, corporate banking, payments, cash management, wealth management, treasury, analytics and blockchain, deployed across private, public and hybrid cloud or as a software as a service offering, with Amazon Web Services named as a cloud partner. Named engagements published in its own client stories library include Zand, a digital bank in the United Arab Emirates building a cloud native platform integrating blockchain and digital assets, Nequi in Colombia connected to a crypto asset platform, INDIE by IndusInd Bank, Thailand's first social bank using the core and origination suites to reach unbanked customers, RBC Capital Markets for a corporate cash management platform, ABN AMRO for next generation cash pooling, and Bank of Sydney, whose core migration the Finacle chief executive described publicly as an operating model transformation rather than a technology migration. The artificial intelligence line is the Finacle Data and AI Suite, launched October 2024 as part of the parent group's Topaz offering under a responsible by design framing, and it has three parts. A data platform providing an automated pipeline and a modular data lakehouse built on data models inspired by the Banking Industry Architecture Network reference architecture with domain specific data marts. An artificial intelligence platform letting banks build, train, deploy, monitor and optimise their own models from one interface, with pre trained models, machine learning techniques and a no code generative approach intended to let business users as well as technical users create explainable solutions. And a set of generative assistants, of which the two the company names are a knowledge assistant that retrieves information from document repositories using natural language prompts and a support assistant that speeds ticket resolution by analysing past tickets. Banking specific generative use cases covering customer engagement, loans processing, reporting and compliance are described as collaborative co creation engagements with banks rather than as catalogue products. The suite is stated to run on Microsoft Azure.

Kiya.ai, which trades as KiyaAI and whose legal entity remains Infrasoft Technologies, is a Mumbai based banking software and services group serving more than four hundred and fifty clients across fifty countries from twelve offices, selling to banks, cooperative and rural banks, microfinance institutions, Islamic banks, neobanks, fintechs and governments. The estate is organised in five lines. Digital core banking covers a cloud native core, a hosted core, digital lending management, microfinance and Islamic banking. Universal RegTech covers anti money laundering and anti fraud surveillance, governance risk and compliance, environmental and social reporting, data protection and operational resilience tooling, and a deep regulatory reporting bench spanning alternative investment fund reporting, tax information exchange, central credit register submissions, Spanish market regulator filings, country by country reporting, cross border arrangement reporting and structured business reporting. The channel line covers internet, mobile, tablet, wallet and kiosk banking, an instant payments switch for India's unified payments interface, customer onboarding, contact management, a conversational interface and Kiyaverse, a banking metaverse used by Punjab National Bank for a virtual branch. Open finance is delivered through an application programming interface developer gateway with published support for the authorisation protocols and for onboarding and managing account information providers, payment initiation providers and other third parties. Digital engineering services cover robotic process automation, cognitive analytics, big data, immersive interfaces, testing and application modernisation, and a separate artificial intelligence based analytics line sits alongside them. Named engagements include Jordan Ahli Bank, Punjab National Bank, Bank of Maharashtra, Kerala State Cooperative Bank, Agribusiness Rural Bank, Philtrust Bank in the Philippines and Merchant Finance in Fiji. The company holds ISO 9001:2015 and ISO 27001:2022 and is appraised at CMMI Level 5, took nine placements in the 2026 IBSi Sales League Table including first in India for compliance, digital banking and payments, and won a best in class regulatory technology award in 2026.

Oracle Financial Services is Oracle's banking and insurance industry unit, built around the FLEXCUBE core banking platform originally developed by i-flex Solutions, a business spun out of Citicorp in the early 1990s and acquired by Oracle, whose software arm remains headquartered in Mumbai. FLEXCUBE spans retail, corporate, investment, small business, Islamic banking, microfinance and specialised institutions, covering deposits, loans, payments, treasury, trade finance and risk across multiple currencies and languages. Around it sit the Financial Services Analytical Applications suite, covering asset and liability management, profitability, capital adequacy, treasury risk, credit risk management, international financial reporting standards and balance sheet planning, a dedicated model risk management product, the Financial Crime and Compliance Management portfolio including regulatory reporting, currency transaction reporting and tax information exchange, plus customer insight and insurance performance packs. Integration between the core and the analytical layer is documented publicly at schema level, including staging tables, extraction routines and job control. The agentic line launched in two stages during 2026. In February the company announced an agentic platform for retail banking with conversational interfaces and pre built agents including credit decisioning, collections call summarisation and compliance automation. In April it extended the platform to corporate banking with pre built agents for treasury, trade finance, credit and lending, distinguishing experience agents that engage clients and bankers from domain agents that collaborate across workflows, and naming a loan data extraction agent that processes customised loan contracts running to hundreds of pages and standardises the terms into machine readable form. The company states it intends to release hundreds of further corporate and retail agents within twelve months. Its published architecture for the platform describes domain agents automating originations, payments, lending and compliance, human oversight embedded for critical decisions, and policy enforcement, explainability, access control and lineage tracking through the lifecycle over a single governed data layer. Oracle Financial Services took top rank and category winner placements across fifteen categories of the 2026 Chartis RiskTech100 report.

SAP Fioneer is a financial services software company headquartered in Walldorf, Germany, created in 2021 as a carve out from SAP, which remains a shareholder and strategic partner, with roughly thirteen hundred employees and more than twelve hundred banks and insurers as customers, including around eight hundred banks on its banking platform. Its products are built on SAP's technology stack and delivered largely as extensions of S/4HANA for banking, insurance and finance, covering core banking, commercial lending, insurance policy management, pensions administration, and a financial products subledger that acts as the accounting system of record for financial instruments. Named engagements published in its own case study library include Munich Re on financial and regulatory reporting, Berlin Hyp on consolidating legacy platforms, Banca Transilvania on the subledger, Banco Atlantida in Honduras, Home Trust in Canada, Sompo Insurance on moving its global core to cloud, HASI, and Fora on pension and insurance administration, each with a named executive on record, alongside a mandate from the Brandenburg state promotional bank. In commercial lending the company sells Credit Workplace, covering the loan lifecycle beyond origination, with its own assistant built on retrieval augmented generation that combines product knowledge, customer specific configuration and proprietary documentation, and cites a case study in which a European specialist bank achieved roughly twenty percent efficiency improvement across the whole loan process. The Fioneer AI Agent launched in June 2025 as a generally available add on to the S/4HANA banking, insurance and finance products, interpreting natural language prompts to trigger actions, surface insights and automate tasks, with suspense account analysis as its first use case. It is notable in this index for its stated model architecture: it supports bring your own large language model strategies as well as models from SAP's own platform artificial intelligence service, and integrates with SAP's assistant and other agents including Microsoft Copilot, with the company stating that institutions do not need to share data externally to use it. Published lending material describes onboarding, underwriting and portfolio monitoring agents as capability the company is building rather than as shipped product.

SBS, formerly Sopra Banking Software, is a French banking and lending software group serving more than fifteen hundred financial institutions and large scale lenders across eighty countries with roughly two thousand eight hundred staff in fifty offices. It is part of 74Software alongside Axway and carries a banking heritage the company dates at more than fifty years. The composable product estate spans core banking, digital engagement, payments, cards, deposits, open banking and regulatory reporting on the banking side, and core lending, asset finance, wholesale dealer floorplan financing, portfolio management, digital asset audit and asset finance pricing on the lending side, delivered as software as a service on Amazon Web Services in the European Union, through a managed service variant, or on premises under a maintenance contract. Named institutions include Santander, Societe Generale, BNP Paribas, Groupe BPCE, Credit Agricole, La Banque Postale, HSBC, Attijariwafa Bank, Nationwide, KCB Bank, BGFI Bank Group, Kensington Mortgages, Bank11, NextGear Capital, Mercedes-Benz and Toyota Financial Services. The learned layer is presented as a shared data and artificial intelligence platform underneath every product rather than as a separate application. Shipped capability includes machine learning financial crime management covering sanctions screening and anti money laundering checks, artificial intelligence supported risk assessment and scoring inside loan origination, and collection strategies with automated prioritisation inside the lending lifecycle. In July 2026 the company announced SBS AI Foundation, a generative layer built on its data platform delivering customer engagement intelligence for relationship managers and an assistant for service, compliance and operations staff, drawing on data held inside each institution's own environment; the company states availability is limited to selected clients with broader rollout planned for early 2027. Analyst placements include a top eight global core banking technology provider ranking from Everest Group in 2026, strong performer in the Forrester Wave for digital banking engagement platforms in 2026, leader in the QKS SPARK Matrix for digital banking platforms, and leader positions with Omdia and in an Everest Group PEAK Matrix.

TCS BaNCS is the banking, capital markets and insurance product platform of Tata Consultancy Services, headquartered in Mumbai and reported as serving around three hundred and seventy institutions globally. The estate covers core banking, lending, payments and an enterprise payment hub on one side, and securities services, custody, corporate actions and market infrastructure connectivity on the other, delivered as software as a service across the stack. Named engagements span several distinct buyer types: an expanded strategic alliance with J.P. Morgan's securities services business to standardise processes across more than one hundred markets, custody modernisation at ABN AMRO Clearing Bank, Al Maryah Community Bank launching the United Arab Emirates' first fully digital bank, and Northern Trust piloting agents that detect missing corporate action notices in securities feeds. A custody and cash processing offering for Saudi Arabia is sold as a jurisdiction specific service supporting data residency, ISO 15022 and ISO 20022 connectivity to the local depository, and coverage of the local Sunday working week. The artificial intelligence line is BaNCS AI Compass, launched in late 2025, combining machine learning and deep learning, generative capability and pre built agents, and offering a no code agent design canvas so that institutions can assemble their own agents. Reported components include bias testing, audit logging and privacy by design. Trial figures released with the launch include securities event classification accuracy of 99.2 percent across twenty five million records, onboarding cut from forty eight hours to fifteen minutes at an unnamed mid tier retail bank, and a projected annual saving on query resolution at an unnamed regional lender. Zions Bancorporation's chief technology officer is quoted on the agent canvas and expects frontline query resolution to improve by roughly thirty percent. The parent company was named a leader in artificial intelligence and generative artificial intelligence services by Everest Group and a leader in an IDC MarketScape for worldwide artificial intelligence services, both in early 2026, and publishes practitioner material on model risk management platforms referencing the United States supervisory guidance on model risk and the United Kingdom prudential regulator's model risk principles.

Zeta sells Tachyon, a cloud native single vendor stack bringing card issuance, processing, lending, core banking, fraud and risk, loyalty and digital banking together for banks and fintechs. Its AI layer, branded Selene, is natively embedded in that stack rather than integrated alongside it: conversational voice and chat agents use intent recognition and issuer specific knowledge bases to answer cardholder queries, process payments, resolve disputes and modify accounts, with orchestration routing between human agents and automated co-pilots. More than 25 million cards are live on Zeta powered platforms across seven countries.