DBOS – AI that works for everyone
Digital banking is no longer constrained by ideas. It is constrained by the time and cost of building them.
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Ship banking ideas in days
Banks know what their customers want. The challenge has always been shipping it fast enough. Agentic DBOS gives banks a platform where a small team, supported by a network of specialised AI experts, delivers what previously required twenty specialists and twelve to eighteen months. Ideas become working prototypes in days. Prototypes become production in weeks.
And it does this while keeping humans in control of every decision that matters.
For your customers
Knows what they need
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The AI Financial Assistant lives inside the banking app and talks to customers the way a knowledgeable friend would – in plain language about their actual financial situation. It answers questions about spending, savings and cash flow. It spots patterns and surfaces relevant suggestions at the right moment without waiting to be asked. It understands context, because it is built on real, enriched customer data.
From answering to anticipating. From a smart assistant to a proactive financial companion that helps customers make better decisions before they even think to ask.
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For your teams
Builds what you design
A business analyst describes what needs to change. A network of AI experts gets to work in parallel, producing the specification, configuration, journey design and test cases — anchored to the bank's existing setup and validated against banking standards. The analyst reviews, approves and moves on.
What used to require a coordinated team of twenty specialists across months of back-and-forth now happens in days. And every step is logged, identity-bound and fully auditable.
The bank owns everything
Agentic DBOS runs inside the bank's own infrastructure. The bank chooses the AI model. The bank owns the data, the configurations and the platform. No third-party access. No vendor lock-in. Sovereignty is the default, not an option.
Compliance is built in, not bolted on
Every AI action carries the identity of the person who launched it and the policy that allowed it. Immutable audit logs. Human approval at every consequential step. Built for the EU AI Act and the regulatory environment banks actually operate in.
Knowledge that compounds
Every project enriches a shared knowledge layer, banking domain knowledge, regulatory patterns and bank-specific context. Each new project starts further ahead than the last. The platform gets smarter with use, not just with updates.
Open by design
The bank can swap the AI model, the tools or parts of the stack without renegotiating a contract. Built on open protocols so nothing becomes a dead end.
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The vision, now within reach
A product manager describes a new customer journey on Monday. By end of week, a deployed, audited, compliant implementation is ready for review. A customer opens the banking app and receives a relevant, personalized suggestion before they think to ask.
The AI layer is part of the bank's own capability, not something it rents from a vendor.
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AI Financial Assistant for natural language financial conversations grounded in real customer data.
Proactive personalisation and next-best-action built on the DBOS data foundation.
Supervised AI expert network covering specification, configuration, journey design, testing and DevOps.
Configuration-native architecture on both frontend and backend.
Identity-bound authorisation and immutable audit logs at every step.
Full model portability across Claude, GPT, Gemini and in-house models.
Versioned knowledge layer that compounds across projects.
Sovereign deployment inside the bank's own perimeter.
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