Our core business
Bank transformation
We design the target solution from the bank's strategic initiatives, and see it through delivery with business, risk, operations and IT behind one design. We have run IT, operations and retail banking inside a bank ourselves, so our designs work for the people who sell, operate and build.
How we help
- Design the target solution from the bank's strategic initiatives
- Get the most value from the systems the bank already has, with the least added complexity
- Launch or rebuild lending: cash loans, overdrafts, cards and mortgages
- Turn a credit risk policy into tested, working decision logic
- Lead the design authority, so the business gets what it needs at a reasonable cost
- Run agile delivery in any bank, including traditional ones
- Set up AI-driven, specification-based delivery
Example project
A tier-2 EU bank
2024 to 2026
- Clients
- 2M+
- Employees
- 9,000
- Branches
- 400+
- Situation
- A traditional bank, run on waterfall projects, moving onto a new-generation banking platform to prepare for what is coming in the banking industry.
- Our role
- Solution design lead for the end-to-end solution: implementing the business requirements, removing vendor lock-in, and designing the delivery method that let an agile programme run inside a waterfall bank.
- Outcome
- One target design shared by business, risk and IT, and credit decisioning that can change quickly and safely.
Similar engagements
- Core system replacement
- Loan approval platform development
- Business transformation
- Digital channels transformation
Our products for banks
Banking products
We build products for banks with our AI delivery method: from business specifications, with no manual coding.
BankDNA
Banking knowledge kept in one specification; AI builds the software from it.
In development
BankDNA helps banks and their IT partners build software with AI and keep it right for years. The bank's products, rules and processes are written as a structured specification in plain language. The specification, not the code, is the source of truth. Regulator, bank and product rules sit in separate layers, so each change lands in one place. From the specification, AI builds the software and its tests; automated checks decide what is accepted. When a rule changes, the specification is updated and the affected code and tests are rebuilt.
What we have proven
With the right method, built on years of hands-on banking experience, AI agents generate working code without human input, by following the way we designed them to work. We showed it on a working cash-loan origination prototype, including AI that reads income documents such as payslips.
Wildfire prevention, built in Montenegro
An end-to-end drone system that finds wildfires as they start and puts them out before they spread. We don't wait to react to fires; we prevent them.
Prototype
How it works
- Detect Autonomous fixed-wing scout drones patrol large areas of forest and open land and spot the first signs of fire.
- Orchestrate The command centre is alerted at once and coordinates the whole fleet.
- Put out Heavy drones are sent to put the fire out while it is still small.
Vatrogon is for civil protection services, fire brigades and forest managers, starting in Montenegro. We build the drones in-house and design the parts that make them work as one system: the onboard electronics and detection software, and the command centre that runs it all.
The first scout drones and the command centre are being built and tested. The heavy drones come next.