Napier AI

Continuum is AI enhanced rather than AI native, in Napier's own words, pairing the transparency of rules with the pattern finding of machine learning. Fuzzy matching screening, rules based monitoring across more than 100 typologies and case management form the base.

On top, models rank screening alerts and recommend outcomes, Insights AI brings behavioral patterns into monitoring investigations, client risk assessment keeps rating customers continuously, and responsible agents take on triage within limits analysts set.

Each screening alert gets an AI assessment of match quality and attributes such as date of birth, ID and nationality. The AI then recommends an outcome with a plain language justification, and the analyst makes the final call. Analysts set each responsible agent's authority, anywhere from flagging matches for review to clearing them automatically, and the audit trail captures every agent action.

Client risk assessment discounts risks and resolves alerts on its own, and a Fortune 5 brand screens payments with no analyst review. Napier does not give the agents' default autonomy or say how cleared alerts are reviewed.

Sandbox testing lets analysts tune configurations against production behavior and promote a change only when the numbers hold, and transaction monitoring models are tuned by Napier's data science team. An agentic test simulator in closed beta stress tests rules and models against up to 30 typologies with synthetic customers. It produces reports for regulators, auditors and model risk teams, though Napier calls its early results indicative rather than validated. Napier gives no precision or recall figures or validation report for its production models, and no mapping to supervisory model risk guidance.

Banco do Brasil cut false positive hits on transaction screening by more than 90 percent, to a 2 percent rate across a single tenancy covering branches in five European countries. Its program won a Celent Model Risk Manager award in 2024. Australia Post cut false positives by more than half and screening hits needing manual review by 42 percent, raised suspicious activity detection by 135 percent and won the same award in 2025.

Freemarket cut payment approval time by 77 percent and halved its alert rate while volume grew more than twelvefold, and Starling's chief technology officer says Napier deployed in six weeks. A Tier 1 bank's 57 percent cut came from a proof of concept on a limited sample, and FundsDLT's 70 percent headline refers to potential fund fees rather than compliance cost.

Agents learn each customer's environment as they go, and analyst decisions feed back into the AI engine. Napier does not say whether customer data trains its models or whether that learning stays within one institution's deployment. On premises customers keep their data in house, so the question applies to the managed service.

Customer data in Continuum falls outside Napier's privacy policy, and the managed service has no public subprocessor list or data processing terms. That policy, last updated April 1, 2024, covers browsing, marketing and recruitment for Napier Technologies Limited. It relies on UK transfer agreements and notes that staff in eight countries outside the UK may access personal data.

On security, Napier reports ISO 27001:2022 certification and a SOC 2 Type 2 audit, first announced in September 2021 and renewed annually, though it names no audit firm and runs no trust center. A CREST certified firm tests the platform every year, alongside continuous vulnerability scanning and encryption in transit and at rest.

The FCA's Supercharged Sandbox took Napier into its launch cohort, where it tested the behavioral detection that became Insights AI, and Napier's chief data scientist sits on the FCA's Synthetic Data Expert Group. Napier also reports FSQS registration, the qualification scheme financial institutions use to vet suppliers. Synthetic typology data produced with the FCA, The Alan Turing Institute and Plenitude lets institutions test their monitoring. Its regulatory reporting manager prefills up to 80 percent of fields for US SARs, Canadian STRs and Australian SMRs, with review and approval steps before filing.

Plain language explanations show what drives each alert. Money laundering typologies correlate with geography, remittance corridors and nationality, and Napier gives no fairness or disparate impact analysis for the models that weigh them.

Suspicious activity reports go out in the institution's own name, and Napier has no public terms, guarantee, indemnity or accuracy service level behind the output. AI explanations, agent audit trails and sandbox records let an institution review why an alert fired or was cleared. Tipping off law means a person flagged in monitoring is never told. Napier does not say whether a cleared alert keeps shaping that customer's risk rating.

Napier names Dow Jones, LSEG and Dun & Bradstreet as data providers and Babel Street, Strise and Threatmark among its software partners, and GlobalData is the research partner on its AI and AML Index. Napier says it works with all third party data vendors and helps clients select one, while the models behind its behavioral and agent features come from no named provider.

Message parsing works across SWIFT MT, ISO 20022, SEPA Instant, Fedwire and NACHA. Entity extraction validates identifiers such as IBANs and LEIs, and fuzzy matching covers more than 20 languages and scripts, including Arabic and simplified Chinese. Continuum Flow connects the engines to an existing stack through APIs, and partners include Mutual Vision, whose MV Shield service for building societies runs on Napier, and Delta Capita's Karbon client lifecycle platform. Beyond these partners, Napier names no core banking connector and has no public developer documentation.

Napier says Continuum deploys as fully managed SaaS on any leading cloud, in a private cloud or on premises, without naming the managed service's regions or transfer mechanism. Australia Post runs it in Microsoft Azure, FundsDLT chose private cloud to meet Luxembourg rules, a global bank split private cloud instances by business unit, and Continuum is sold through Microsoft Marketplace.

Continuum is sold on subscription in three editions, with each solution bought separately and no public price or metering unit. Napier says new releases arrive twice a year at no additional cost, and Continuum can be bought through Microsoft Marketplace against an Azure spending commitment.

Banks, payment firms, wealth managers and insurers buy Continuum. Named customers include HSBC, State Street and Mizuho Trust & Banking alongside Starling, ClearBank, Column Bank, AJ Bell, Brighter Super, Al Rajhi Capital and Australia Post. MV Shield, built with Mutual Vision, brings Napier to UK and Canadian building societies and credit unions as a service, and Continuum Live suits smaller firms. Napier counts more than 150 institutions as customers, served from London and offices including Singapore and Kuala Lumpur.