Retail & Commercial Banks

Governed AI for the world’s largest banks to reconcile risk, compliance and customer data at scale.

The largest retail and commercial banks, from Australia’s major banks to the world’s biggest global institutions, run on data at a scale few other industries face: hundreds of millions of transactions, tens of millions of customers, and decades of core banking systems layered under newer digital channels. Reconciling transactions and disputes, keeping AML and KYC current across the customer base, and meeting regulatory reporting obligations across jurisdictions all depend on data that is enormous in volume and expensive to govern well. DataReadyAI is built for exactly this scale.

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The gap, closed

Every blocker, answered by one governed layer.

The problems that stall AI in retail and commercial banking all come back to data that is scattered and ungoverned. Here is how DataReadyAI addresses each one.

The challenge today With DataReadyAI
Transaction disputes and chargebacks must be reconciled against merchant, card network and customer data at huge volume, and manual investigation cannot keep pace.
Automated matching of transaction, chargeback and merchant data at volume, surfacing and explaining disputes to speed up resolution.
AML and KYC obligations mean keeping identity, source-of-funds and risk data current across tens of millions of accounts, with a defensible process behind every decision.
Customer identity, source-of-funds and risk profiles kept current and consistent across every account, with a full audit trail behind each decision.
Prudential, conduct and financial crime reporting draws on data from across every product line and system, and assembling it accurately is a heavy, recurring task.
Accurate, source-traceable reporting assembled across product lines and systems for prudential, conduct and financial crime obligations.
Credit decisions depend on pulling internal and external data together quickly and consistently, at a volume where manual review is not viable.
Internal and external data brought together consistently to support credit decisions at volume, with reasoning traceable back to source.
Where it applies

Four workflows, one governed layer.

Transaction & dispute reconciliation

Match transaction, chargeback and merchant data at volume, automatically surfacing and explaining disputes to speed up resolution.

AML & KYC at scale

Keep customer identity, source-of-funds and risk profile data current and consistent across tens of millions of accounts, with a full audit trail.

Regulatory & prudential reporting

Assemble accurate, source-traceable reporting across product lines and systems for prudential, conduct and financial crime obligations.

Credit decisioning support

Pull internal and external data together quickly and consistently to support credit decisions at volume, with reasoning traceable back to source.

Why DataReadyAI

Built for regulated data environments.

We are a Sydney-founded, cloud- and model-agnostic AI company built specifically for the largest, most regulated data environments in financial services. DataReadyAI works with organisations across regulated, data-intensive sectors, and it sits alongside your existing core banking, AML and reporting systems rather than asking you to replace them. Our guiding principle is simple: the user, not the vendor, should hold the power in the agentic AI era.

Cloud & model agnostic

Works across your existing data platforms, cloud and language models. No forced migration, and no lock-in to a single vendor.

Governance by design

Access control, lineage and audit on every AI interaction, so your risk and compliance functions stay firmly in control.

Built for regulated sectors

Working with organisations across regulated, data-intensive sectors, from financial services and insurance to healthcare, government and resources, where data sensitivity is greatest.

Let’s talk about what governed AI could do for your transaction, AML or regulatory reporting workflows.

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