Directory of core banking platform vendors using AI

Aurionpro Solutions is a Mumbai headquartered technology group listed on the Indian exchanges, serving banking, financial services and insurance as well as transit and government clients in 16 countries. Its banking business includes the Smart Lender Suite, built by its Singapore subsidiary Integro Technologies, covering the corporate, small business and retail credit lifecycle from origination and risk assessment through limits, collateral and loan management to alternative finance; iCashpro+ for transaction banking; Auropay for payments; and kiosk, queue management and customer feedback products. Its AI capability comes from Arya.ai, a majority owned subsidiary that sells finance specific models through APIs, including bank statement analysis, document fraud, deepfake and liveness detection, face verification and the Cred AI credit risk tool, with cloud, on premises and hybrid deployment, and from the AurionAI platform launched in December 2025 and Lexsi Labs, formerly AryaXAI, which publishes explainability and evaluation tooling. Named customers include Axis Bank, Tata AIG, ICICI Lombard, MSIG Life and Unicapital; ICICI Lombard cut claims approval time from 60 minutes to under a minute. The lending suite won Euromoney's best lending solution award for 2026.

Azentio Software is a Singapore headquartered technology provider for banking, financial services and insurance, assembled from 2020 by Apax Partners through the combination of several 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, with research centers in India and Lebanon. The suite spans core banking, retail and corporate lending, digital banking and onboarding, treasury, trade and supply chain finance, wealth management, insurance policy administration and enterprise resource planning, under the ONEBanking, ONEWealth, ONEERP and related product lines. Islamic banking is a particular strength, with 2023 certification from the Accounting and Auditing Organization for Islamic Financial Institutions covering Shariah compliant financing, deposits, treasury and a profit calculation engine. AMLOCK is its financial crime platform, covering onboarding screening, transaction monitoring, alert risk scoring and routing, investigation and regulatory reporting, and was relaunched in 2025 with machine learning added beside its rules, with Azentio claiming a reduction in false positives of up to 40 percent. Digital onboarding uses identity verification, face matching and liveness detection. Named customers include Boubyan Bank on iMAL core banking, Philippine National Bank on core and digital modernization, Tamam Financing on digital lending and Banque Populaire de Mauritanie on iMAL Business Intelligence.

Finastra is a London headquartered financial services software group selling across lending and corporate banking, payments and universal banking. 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. It covers syndicated, bilateral, small business, commercial real estate, small business administration and export finance lending on one platform, and is 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, and Mortgagebot for mortgage origination and borrower engagement. LaserPro has served community, regional and national institutions since 1986 and reports more than three thousand of them. The wider estate includes 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. It also runs a partner application marketplace. The AI line is a set of separately named assistive products rather than a single platform. Assist.AI is a conversational interface for trade finance and corporate banking. DataAssist.AI delivers insight, predictive analytics and risk intelligence through natural language query and voice. Academy.AI provides generative role based training for Loan IQ and Trade Innovation. Alongside them sit a LaserPro cloud assistant, document translation, and automated trade document classification and validation. AI assisted deal ingestion for Loan IQ comes through a partnership with Marketnode announced in April 2026, whose large language model based document automation extracts credit agreement terms into the Loan IQ Nexus Build module. The company employs a named chief AI 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. It reports through banking solutions, which serves global, regional and community banks, credit unions and commercial lenders, and capital market solutions, which serves asset managers, private equity firms, brokerage and trading firms, insurers and corporates, and its products are delivered at the client site, hosted in FIS data centers or private cloud, or under license. Its AI line names its suppliers. Treasury GPT, launched March 2025 inside the treasury and risk management platform, is a generative product support tool giving guidance on platform configuration and practice, built with Microsoft and running on the Azure OpenAI service. In May 2026 FIS announced a partnership with Anthropic to bring agentic capability into banking, beginning with a Financial Crimes agent built on Claude that assembles the evidence package across a bank's core systems, evaluates activity against known typologies and surfaces cases for investigator review, with investigators kept in control of every decision. BMO and Amalgamated Bank are developing the agent with FIS, and general availability is planned for the second half of 2026. In July 2026 FIS joined Project Glasswing, Anthropic's controlled access initiative for securing software that supports critical infrastructure, applying the Mythos 5 model to its own systems separately from its commercial products. FIS is examined by the agencies of the Federal Financial Institutions Examination Council as a data processing servicer to financial institutions, and publishes a security statement covering certification, data handling and its use of AI.

Infosys Finacle sells core banking and digital banking software to banks of every size through EdgeVerve Systems, a product subsidiary of Infosys. Its suites cover core banking, digital engagement, corporate banking, payments, cash management, lending, wealth management and treasury, and banks can run them in a private, public or hybrid cloud or take them as software as a service. Finacle says banks across 100 countries use it to serve over a billion people. Its digital engagement suite is a Leader in Forrester's Q2 2026 Wave on digital banking engagement platforms. The AI comes in the Finacle Data and AI Suite. A data platform pipes core data into a lakehouse built on data models inspired by the Banking Industry Architecture Network. An AI platform lets technical and business users build, train, deploy and monitor their own models with pre trained components, a no code generative interface and tools that detect bias and drift. Two generative assistants are named: a knowledge assistant that answers questions from document repositories and a support assistant that drafts responses to support tickets. Generative use cases for customer engagement, lending, reporting and compliance are built with individual banks rather than sold as products. Clients include Zand, Nequi, Bancolombia, RBC Capital Markets, Arab National Bank, Bank of Sydney and Australian Military Bank. Investec chose the software as a service platform on Microsoft Azure, and Uniting Financial Services in Australia subscribes to it on AWS.

Kiya.ai, which trades as KiyaAI and whose legal entity remains Infrasoft Technologies, is a Mumbai based banking software and services group stating that it serves more than 450 financial institutions across more than 55 countries, selling to banks, cooperative and rural banks, microfinance institutions, Islamic banks, neobanks, fintechs and governments. The estate is organized in product lines for core banking, regulatory technology, omnichannel banking, payments, open finance and agentic AI. 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 a developer gateway with published support for the authorization 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 modernization. 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.

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 specialized 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, and the Financial Crime and Compliance Management portfolio, including behavior detection, enterprise fraud management, enterprise case management, regulatory reporting, currency transaction reporting and tax information exchange, delivered on premises or on Oracle Cloud Infrastructure. Integration between the core and the analytical layer is documented publicly at schema level. The agentic line launched in stages during 2026. In February Oracle announced an agentic platform for retail banking with pre built agents for application insights, application tracking, qualitative analysis and credit decisioning, collector call summarization and call compliance checks, with bankers described as the human in the loop. In April it extended the platform to corporate banking with agents for treasury, trade finance, credit and lending, including a loan data extraction agent, and announced that it had secured rights to technology from Lucinity to bring AI agent capabilities into the financial crime portfolio through an Oracle AI Investigator platform within twelve months. Oracle states it intends to release hundreds of further agents within a year.

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. Its stated model architecture supports bring your own LLM strategies as well as models from SAP's own platform AI service, and it integrates with SAP's assistant and other agents including Microsoft Copilot. The company states 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 dates its banking heritage to 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 with data held in European Union data centers, through a managed service variant, or on premises under a maintenance contract, with a published security management plan and data processing addendum for each shape. 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. 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 prioritization 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, which SBS says can run on public cloud, private cloud or on premises; availability is limited to selected clients with broader rollout planned for early 2027.

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 standardize processes across more than one hundred markets, custody modernization 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 copilots. More than 25 million cards are live on Zeta powered platforms across seven countries.