NETinfo
NETinfo sells a digital banking platform from Nicosia, Cyprus, where it has built online banking software since 2000. Banks use its omnichannel engagement hub to run retail, small business, corporate and wealth management banking across web and mobile, and the platform reaches more than 30 million end users in 25 countries. ANSA Bank runs it as a hosted service on Microsoft Azure, with digital onboarding and joint applicant workflows, and Celent featured NETinfo in its 2025 retail, small business and corporate digital banking platform reports.
Its AI comes in three forms. A customer service assistant powered by Flametree works in more than 150 languages across voice, chat, email and messaging apps, resolves about half of requests on its own, from balance checks to transfers and card blocking, and hands the rest to human agents with copilot suggestions. Digital onboarding verifies identity through AI facial matching and liveness detection. CX Insights analyzes how customers use digital channels by age, gender, location and segment.
Banks can run the platform on premises, in a private or public cloud, or as a service NETinfo hosts.
Capability Axes
Capability grades
15 of 15 axes rated · 7 graded A or B
The engagement hub runs digital banking channels, onboarding and open banking connections without any model in the path. AI arrives as add ons: the Flametree powered service assistant, facial matching and liveness checks at onboarding, and CX Insights analytics. Remove them and the platform still serves its banks.
What triggers an escalation, and whether a transfer started by the assistant needs the customer's confirmation, is not described. The design is a split between AI and staff: the assistant resolves about half of requests on its own, including transfers and card blocking, and hands the rest to human agents, who see suggested responses, knowledge base content and next steps.
The assistant's resolution rate of about half of requests is a performance figure, but no error rate, accuracy measure or validation method is published for it or for the facial matching. Extensive audit trails and real time reporting give a bank a record to review after the fact.
NETinfo reports that its assistant resolves about half of all requests without a person, across balance checks, transfers and card blocking, with no bank or method attached. ANSA Bank is named as a customer: its rollout of the platform as a service on Microsoft Azure, with digital onboarding, electronic know your customer checks and core banking integration, won the Most Innovative Digital Onboarding Rollout award at the IBS Intelligence Global FinTech Innovation Awards 2023, without a performance figure. The platform reaches more than 30 million end users in 25 countries, which describes scale rather than the effect of the AI.
Whether Flametree's assistant trains on one bank's conversations, shares learning across banks or keeps transcripts is not stated. The platform does commit to strict segregation of customers, data and environments, a general assurance that stops short of the models.
The published privacy policy, dated 2019, covers visitors to NETinfo's own website. For the platform, the security material commits to privacy by design and by default under the EU General Data Protection Regulation, and to strict segregation of customers, data and environments, without retention terms or a subprocessor list.
Downloadable certificates and audit reports are not offered, but the certifications are named with their editions: ISO/IEC 27001:2022 for information security, ISO 9001:2015 for quality and ISO 14001:2015 for environmental management. The platform follows the Open Worldwide Application Security Project (OWASP) guidance and the Payment Card Industry Data Security Standard, and mobile apps add anti debugging, root and emulator detection and checks for changed biometrics.
NETinfo holds no financial license; the banks it serves do. Its authentication suite is built for the strong customer authentication rules of the EU's second Payment Services Directive (PSD2), which is product conformance rather than regulatory standing.
Facial matching and liveness checks decide whether an applicant can open an account online, yet their accuracy across skin tone, age and gender is unpublished. Uneven accuracy at that step shuts some applicants out of digital onboarding, and no fairness evaluation covers the assistant or CX Insights either.
Who bears the loss when the assistant moves money wrongly, or when facial matching rejects a genuine applicant, is not published. What a bank does get is a record: extensive audit trails and real time reporting let it reconstruct what the platform and its assistant did.
The models behind Flametree and behind the facial matching are unnamed. Flametree itself, an AI customer engagement platform, is named as the engine of the conversational assistant, and the platform runs on whichever cloud a bank chooses, with Amazon Web Services, Google Cloud and Microsoft Azure among NETinfo's partners.
A catalog of ready made application programming interfaces (APIs), workflows and components connects the platform to internal and external systems, and corporate clients can link enterprise resource planning and treasury tools through open banking. At ANSA Bank the platform was integrated with the core banking system and back end third party systems, which go unnamed. Named partners include Ozone API for open banking, Flametree for conversational AI, and software vendors such as BML Istisharat and Oracle.
Banks choose on premises, private cloud, public cloud or hybrid installation, on virtual machines or containers under OpenShift or Kubernetes, or take the platform as a hosted service. A multi affiliate design routes each bank's transactions to its own organization, so a banking group can meet data residency rules in each jurisdiction.
Banks can license the platform or take it as a hosted service NETinfo runs for them, and neither route carries a published price, tier or billing unit.
Retail, small business, corporate and wealth management banking are named segments, with corporate banking carrying the deepest material: cash flow analytics, liquidity views across entities, predictive forecasting and open banking links to enterprise resource planning and treasury systems. Celent featured the platform in its 2025 reports on retail and small business digital banking platforms in Europe, the Middle East and Africa and on corporate digital banking platforms. Multi affiliate support lets a banking group run banks in several jurisdictions on one platform.
Compared With
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