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Industry — 01

Banking

A fast-moving layer around a core banking system.

decision latency
<120msdecision latency
reconciliation accuracy
%99.99reconciliation accuracy
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In banking the constraint is rarely technology — it is a core system nobody may touch. We build a fast-moving layer around it: event-driven integration, real-time decision services and auditable AI. Every decision is logged with its rationale, because the auditor asks three years later.

In short

Where is AI actually used in banking?

AI in banking is used mostly in four places: fraud scoring at the moment of a transaction, explainable scoring on a credit application, automatic reading of documents such as ID and proof of income, and assistance plus post-call summaries for customer service agents. Neuros builds these around the core banking system rather than inside it, and stores every decision with its rationale — the auditor asks three years later.

What's hard in this sector

A fast-moving layer around a core banking system.

01

The core system constraint

Change windows are narrow and rollback is expensive. New capability has to live outside the core, on an event stream.

02

Auditability

If you cannot explain why a model decided what it did, you cannot run that model in a regulated process.

03

Fragmented data

Customer truth is scattered across core, CRM, cards and channels; personalisation is impossible before a single view exists.

What we can build for you

  • 01Real-time fraud and transaction risk scoring
  • 02Explainable credit scoring on alternative data
  • 03Document understanding: identity, income and contract extraction
  • 04Agent assist and post-call summarisation
  • 05Personalised offers and a next-best-action engine
  • 06Compliance reporting and automated audit trails

Our work in this sector

Sources

  1. 01Bankaların Bilgi Sistemleri ve Elektronik Bankacılık Hizmetleri Hakkında YönetmelikBDDK · 2020
  2. 02Regulation (EU) 2024/1689 — Artificial Intelligence ActAvrupa Birliği Resmî Gazetesi · 2024
  3. 03PCI DSS v4.0 — Ödeme kartı veri güvenliği standardıPCI Security Standards Council · 2022
  4. 046698 sayılı Kişisel Verilerin Korunması KanunuT.C. Mevzuat Bilgi Sistemi · 2016

Frequently asked

Questions we get asked

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No. Neuros builds new capability around the core: the core publishes events, decision services process them and write results back through standard interfaces. Replacing a core takes years, while this layer is measured in weeks — and if a service does not meet expectations it can be withdrawn without touching the core.

A decision that cannot be explained is not used. In scoring systems Neuros records which inputs and weights produced each decision; the reason shown to the customer is a decision rule drawn from a fixed set, not a translation of the model's internals. Because the decision is stored with a snapshot of its inputs, an appeal reproduces the same result.

In a card authorisation flow the budget is typically under 100 milliseconds; if scoring exceeds it the transaction times out and a genuine customer is declined. Neuros keeps scoring to online features, moves heavy computation into a precomputed feature store, and defines a deterministic fallback to the rules engine for when the model does not answer.

Other industries

Let's assess your sector specifically

This page is the general frame. Let's find the actual bottleneck in your operation together, in a 30-minute call.

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