/ 01 The cycle
Regulators never wait
Consumer Duty, operational resilience, SMCR, SYSC, Basel 3.1, MiFID II, EMIR, DORA. The cycle is continuous; the evidence pack has to be too.
07 Industry · Banking, Financial Services & Insurance
Audit-readiness is a posture, not a project.
A modular agentic orchestration framework that reads, classifies, and governs every document a regulator, auditor, or customer might ask for.
Where the regulator never waits.
On the day the regulator walks in, knowing where the documents are isn’t enough. Loan files, KYC packs, and claim records are often scattered across branches and silos. Actigen 2.0 provides the “agentic brain” to unify these records instantly.
The model is the easy part. The audit pack is the deliverable.
The briefs nobody else says yes to.
Six structural problems we hear repeatedly from UK and European banks, insurers and asset managers; and the honest answer to each.
/ 02 KYC at scale
Refresh runs against the whole book
Every 12–24 months. Sanctions screening every day. The team that ran it last cycle is not the team you have this cycle.
/ 03 Document estate
Fragmented across the entire stack
Loan files, claims, contracts, audit evidence; spread across core banking, CRM, loan origination, claims and legacy archives. No one source of truth.
/ 04 Contract intelligence
Tens of thousands of agreements
With amendments, annexes and side letters. Every rate change triggers a renegotiation wave. The clause library has to be searchable, not stored.
/ 05 Legacy cores
Tight upgrade windows, tighter regulators
Finacle, Flexcube, Temenos, FIS, Guidewire, Duck Creek. Front-ends shipped without rewiring the middle. Mainframe records the business cannot retire.
/ 06 Customer 360
Reconcile a dozen systems without a GDPR liability
A unified view of the customer that ICO can read end-to-end. Consent, lineage and right-to-erasure handled in the platform, not the policy.
What we ship into publishing operations.
Three workstreams that run together. The output is one audited operating layer — not a stack of pilots.
01 Custom Software
Risk, fraud and customer surfaces, governed
Bespoke risk, fraud, credit-scoring and portfolio models. Advisor cockpits. Regulator-facing dashboards. Mobile-first customer experiences on a governed AI core.
- Risk & fraud engines — bespoke scoring with explainability and challenger baselines.
- Advisor cockpits — one screen across CRM, core and policy library.
- Regulator dashboards — FCA / PRA / ICO views with lineage on every cell.
- Mobile customer apps — bank-grade UX, AI inside, audit on every action.
02 AI + Human-in-the-loop
Agents in the workflow, humans on the gate
Claims triage agents, KYC refresh agents, sanction-letter generation, advisor copilots, interactive reporting for CFO and regulator in one view. Approval gates on irreversible actions.
- Claims triage — first-notice-of-loss routed in minutes, with rationale.
- Agentic KYC refresh — autonomous flows with human gates on exceptions.
- Sanction-letter automation — generation, review, dispatch and archive under one audit trail.
- Advisor copilot — cited answers from policy and case files, never an ungrounded guess.
03 Integrations
Wired to the cores you actually run
Core-banking, claims, payments, CRM, CDP and regulator-gateway integration. We have integrated against Finacle, Flexcube, Temenos, Guidewire, Duck Creek, Salesforce FSC, Dynamics 365 Finance, and a long tail of bespoke cores.
- Core-banking adapters — Finacle, Flexcube, Temenos, FIS.
- Claims platforms — Guidewire, Duck Creek, bespoke cores.
- Customer & advisor — Salesforce FSC, Dynamics 365 Finance, ServiceNow.
- Regulator gateways — submission rails with audit-grade logging.
Actigen Finance — the BFSI edition.
The Actigen module for banks, insurers and asset managers. Sits behind your core and claims-management systems and makes the document estate searchable, auditable and intelligent.
View the platformA·f
Actigen 2.0 · Module
Actigen Finance
A complete BFSI document pipeline. Loan files, KYC records, claims lifecycle documents, contract packs, audit evidence, fraud investigation files; classified, extracted, summarised, routed. Ships with regulator-ready exports and audit-pack generation already wired in.
Document extraction
Loan files, statements, ID documents, collateral packs: with field-level confidence.
Contract intelligence
Clause libraries, covenant monitoring, renewal calendars across tens of thousands of agreements.
Audit-ready archive
Immutable retention, tamper-evident logs, regulator-ready export.
Natural-language search
"Show all sanction letters from Branch X in the last 3 months" — across the full corpus.
Compliance dashboards
KYC / AML status, audit packs on demand, lineage on every cell.
Regulator alignment
FCA, PRA, UK-GDPR; RBI, SEBI, IRDAI, MAS for cross-border operations.
Real briefs, real corpora.
Six briefs we are running this year; each anchored in a specific process and audited outcome.
01
Claims & document processing
Extract, match, route. Invoices, POs, settlements automated and reconciled with field-level confidence and full lineage.
Insurers · Banks
Reference
U.S. supply-chain operator · 30% productivity, 50% accuracy
02
Agentic KYC refresh
Autonomous refresh flows across the whole book, with human approval gates on exceptions. The cycle stops being a project and starts being a process.
Retail & corporate banks
Outcome
18 days → 4 days cycle time
03
Sanction-letter automation
Generation, review, dispatch and archive under one audit trail. Every letter cited; every exception escalated.
Retail banks · Compliance teams
Standard
FCA · UK-GDPR-aligned
04
Predictive financial modelling
Credit, risk and portfolio signal at segment resolution. Explainable, challenger-backed, audit-ready.
Lenders · Asset managers
Outputs
Model cards · SHAP · Challenger baselines
05
Investment platforms
Portfolio management, risk-adjusted, explainable. Advisor cockpit and client surface on the same governed core.
Asset managers · Wealth
Standards
MiFID II · UK-GDPR
06
Interactive regulator reporting
Dashboards for CFO and regulator in one view. Lineage on every cell, drill-through to source, evidence pack on demand.
Boards · Risk · Regulators
Frameworks
FCA · PRA · ICO · Basel 3.1
What changes after the work ships.
Three outcomes consistently reported across BFSI engagements. Per-engagement targets agreed in writing during Discover.
/ Efficiency
Cycle times collapse
Claims triage from hours to minutes. KYC refresh down 60–80%. The cycle stops being the bottleneck and the regulator stops being a quarterly emergency.
- Claims triage: 4 hours → 11 minutes
- KYC refresh: 18 days → 4 days
- Document retrieval: minutes → seconds
/ Cost optimisation
Cost-to-serve on a curve that bends
30–50% reduction in document-handling cost. Surge headcount becomes optional, not structural. The unit cost moves down with each release.
- 30–50% lower document-handling cost
- Surge capacity replaced by orchestration
- Unit cost trends down release on release
/ Audit-readiness
Any document, any query, in seconds
With full lineage. The audit pack is the byproduct of the platform — not the deliverable produced after the fact.
- Full extraction lineage on every output
- Audit packs on demand, not on request
- Regulator cycles handled without surge
The numbers BFSI boards ask for.
Numbers that map to how regulated banks, insurers and asset managers report up — boards, regulators, auditors.
4 hrs → 11 min
Claims triage cycle time
UK general insurer · agentic triage
18 d → 4 d
KYC refresh cycle time
UK bank · 120-step refresh
+30%
Invoice processing productivity
U.S. supply-chain operator
+50%
Invoice processing accuracy
U.S. supply-chain operator
+40%
Payment-accuracy gain
U.S. supply-chain operator
100%
Records with full lineage & audit trail
By default
Typical ranges. Per-engagement targets agreed in writing during Discover.
Get a free consultation
Start the conversation
Have a regulator cycle landing in the next quarter? Send the brief — and a measured pilot proposal will be returned within the working week.
One platform. Eight industry editions.
Actigen 2.0 is the agentic decision-loop framework underneath every engagement. Configurable per industry; consistent in lineage, governance and audit posture. Below: the full platform, with the BFSI module highlighted.
/ A·a
Actigen Archive
Libraries, archives, publishers. HWR, IIIF, MARC / EAD / METS, paleography console.
/ A·fActigen Finance
BFSI. KYC, claims triage, contract abstraction with audit-pack lineage.
/ A·hActigen Health
Healthcare. Clinical-note summarisation, IDMP, FHIR-mapped knowledge assistants.
/ A·eActigen Energy
Oil & gas, utilities. CSRD / SEC Climate drafting, asset-document agents, HSE.
/ A·mActigen Manufacture
Engineering knowledge, supplier IP, IATF audit drafting and CAD-aware retrieval.
/ A·uActigen Edu
NAAC narratives, ABET evidence packs, credential registries and reviewer copilots.
/ A·rActigen Research
Academic research operations — TEI, scholarly editions, critical apparatus, IIIF.
/ ePeParliament
Legislatures, registries, parliaments. Multi-script archives and lawmaking copilots.
"The same loop runs every brief. Only the domain model and the schema mapping change."
View the platformThe standards your auditor cares about.
Externally verifiable credentials and the standards every output is engineered to satisfy. The audit pack travels with the system.
/ Data security
Information security & privacy
External audits aligned to ISO 27001 and 27701. Encryption in transit and at rest, NCSC CAF posture, role-based access tied to regulator-grade audit trails.
- ISO 27001 · ISO 27701 (PIMS)
- UK-GDPR · GDPR · ICO
- NCSC CAF · key management
/ Regulatory
BFSI regulator alignment
UK and European primary regulators by default; cross-border alignment for Asia-Pacific operations.
- FCA · PRA · ICO · Basel 3.1
- MiFID II · EMIR · DORA
- SEC · OCC · RBI · SEBI · IRDAI · MAS
/ Governance
Model governance & lineage
Model cards, challenger models, lineage and audit trails by default — the artefacts every regulator now asks for by name.
- Model cards · challenger baselines
- Full extraction & decision lineage
- Reversibility · approval gates · kill-switch
SBL credentials
100+ clients trusted
20+ years in regulated technology
4,000+ projects delivered
99.1% on-time
“We had a 120-step KYC refresh flow across four core systems and a regulator who had stopped accepting promises. SBL orchestrated the flow end-to-end, with agentic refresh and a human gate on every exception. Eighteen days became four. The auditor turnaround moved from weeks to hours.“Director of Operations UK bank · KYC refresh programme
Send a brief. Receive a measured proposal.
Send a brief. Receive a measured pilot proposal within the working week.