Podcast
“Sovereignty Means Being Able to Change Course” – A Conversation with Manfred Beckers
Digital sovereignty in finance: Manfred Beckers discusses cloud dependencies, DORA, exit strategies and maintaining the ability to adapt.
Compliance
See how AI agents can help build, test and improve decision logic – while business experts stay in control of every change.
Turning business requirements into production-ready decision logic can take weeks. Business experts define the requirements, modelers translate them into rules and data models, tests are created, and documentation and approvals follow.
For organizations managing complex or regulated decisions, this creates a challenge: how can decision logic be developed and changed faster without compromising quality, traceability or control?
Why AI-assisted decision modeling matters
AI-assisted decision modeling is changing how teams build, analyze and maintain decision logic.
Instead of manually translating requirements into models, AI agents can help turn plain-language requirements into graphical decision models, analyze the resulting logic, generate tests and documentation, and identify potential weaknesses.
This can reduce the time and effort involved in moving from a business requirement to tested, review-ready decision logic – particularly when decision logic needs to change frequently due to new regulations, business requirements or increasing decision volumes.
But speed alone is not enough. In regulated environments, AI-generated decision logic needs to remain understandable, traceable and subject to human oversight.
AI accelerates the modeling process. Your experts remain in control of what gets approved and put into production.
In this on-demand webinar you will see:
In this 60 minute on-demand webinar, you’ll see how the ACTICO Decision Management Platform applies AI across the decision modeling process – from requirements through analysis, testing and approval.
- Build and adjust business rules and the data model from natural language.
- Model analysis: identify gaps, inconsistencies, redundant rules and unreachable paths a manual review could miss.
- Query and explain models: provide model explanations and allow users to interactively query and discover models.
- Test generation: create test cases, including boundary values and edge cases, while monitoring test coverage.
- Built – in governance: keep documentation, traceability and approval part of the workflow.
- Approval by your experts: every AI–generated change is reviewed and approved before it goes into production.
This webinar is relevant for:
This webinar is relevant for professionals responsible for designing, managing or automating business-critical decisions, particularly in regulated industries.
It is especially relevant for:
- CROs and credit risk leaders
- Heads of Credit Risk and Credit Decisioning
- Decision Management leaders
- Business rules and decision modelling professionals
- Leaders in automation and digital transformation
- Lending and financial services professionals
It will be particularly useful if legacy systems, regulatory change, increasing decision volumes or lengthy IT-led development cycles make it difficult to adapt decision logic quickly.
ACTICO at the Annual Convention of Thrift Banks Philippines 2026
ACTICO is proud to be a Silver Sponsor of the Annual Convention of Thrift Banks Philippines 2026 – one of the key gatherings for the thrift banking sector in the country.
The Annual Convention brings together thrift banks and industry stakeholders to exchange ideas, explore innovation, and shape the future of lending in the Philippines. For ACTICO, it is the ideal opportunity to connect with institutions that are growing their loan portfolios and ready to make smarter, faster credit decisions.
Our APAC experts Ruben Alink and Beatrix Palomar will be at the ACTICO booth, ready to share how the ACTICO Credit Decision Platform is helping thrift banks automate and scale their credit decisioning – from SME loans to personal lending. We will take you through how we have helped one of our clients approve a loan in just 2 minutes instead of 2 days.
Want to learn more?
Come and discover how institutions like yours are boosting efficiency, increasing approval volumes, and staying fully compliant.
Can’t join us on-site?
Get in touch with our APAC team to explore how ACTICO can support your business. Fill out our form and we will get back to you.
Featured Topics
Many credit teams are experimenting with off-the-shelf AI to automate financial statement analysis. The promise is compelling: feed a financial statement into a general-purpose AI model and get structured, spreadable data back in seconds.
For simple documents and controlled conditions, the results can look convincing. But production-grade financial spreading is far more complex.
Financial institutions need to handle inconsistent and heterogeneous document formats, apply detailed spreading templates and domain-specific guidelines, and ensure that results can be reviewed, traced back to their source and trusted by analysts.
This is where a generic LLM approach falls short.
In this 30-minute on-demand webinar, we explored the key challenges of using a generic LLM for financial spreading and explained why accuracy, traceability, domain context and human oversight need to be built into the solution from the start.
You can now watch the session on demand to see how a purpose-built approach to AI-assisted financial spreading addresses these challenges.
In this webinar, you will see:
- Where generic LLMs fall short when applied to the requirements of financial spreading
- Why domain-specific context matters for accurately interpreting and mapping financial data
- How human-in-the-loop workflows keep analysts in control of AI-supported spreading
- Why traceability and auditability are essential for financial data and credit processes
- How purpose-built AI can support automated spreading while meeting the requirements of production environments
Watch the on-demand webinar!
Discover what it takes to move from an impressive AI demonstration to reliable, scalable and controlled financial spreading automation.
Your presenter
Christopher Hansert
Product Manager Credit Solutions
ACTICO
Christopher Hansert leads product management for ACTICO’s credit risk solutions, with a specific focus on the architecture of AI-assisted financial spreading and credit assessment workflows.
Insights from Accenture and ACTICO on how financial institutions are deploying AI agents to automate credit assessment workflows across commercial and corporate lending – governed, auditable and built for enterprise scale.
Commercial credit teams spend a disproportionate share of their time on work that doesn’t require their expertise: extracting figures from financial statements, mapping data across formats, populating rating templates, drafting credit memos.
Agentic AI changes this. Not by automating decisions, but by automating the preparation, so analysts arrive at the decision point with everything already done.
This Executive Briefing, developed from Accenture and ACTICO’s joint webinar “Agentic AI in Action,” shows what this means in practice: Agentic AI is production-ready on the ACTICO Credit Risk Platform today. It covers the technology, the governance requirements and the ROI model — so financial institutions can make an informed decision on how to start now.
Key Highlights:
- The three waves of AI in credit risk, and what makes Agentic AI fundamentally different from Predictive and Generative AI
- How the ACTICO Credit Risk Platform’s credit agent executes an end-to-end credit risk assessment, from document extraction to credit memo – while keeping the analyst in control of every final decision
- The ROI model presented by ACTICO and Accenture: value levers, cost factors and what institutions can realistically expect
- Why governance cannot be retrofitted, and the three non-negotiable pillars for regulated deployment
- What separates leaders from laggards: Accenture’s perspective on the organizational and strategic factors that determine enterprise-scale success
- Why acting now is a strategic advantage, and what institutions that wait are actually giving up
Who is this relevant for?
This briefing is for anyone with an interest in how Agentic AI is reshaping credit risk, from those exploring the technology for the first time, to senior decision-makers in financial institutions who are actively evaluating, piloting, or scaling it in commercial lending.
Practitioners will find it most relevant if you are a Chief Risk Officer or Head of Credit Risk looking to reduce manual effort and improve consistency across commercial lending, a CTO or Digital Officer responsible for enterprise AI strategy, a Head of Commercial Banking seeking faster turnaround times and more consistent credit decisions, a Risk Infrastructure leader accountable for model governance and regulatory compliance (IRB, IFRS 9, Basel III/IV), or a Strategy executive building the business case for adoption.
Submit the form to access the full briefing instantly — no waiting.
Experience Agentic AI for smarter Credit Risk Management – live in Frankfurt
The Agentforce World Tour is the place to be for everyone shaping the next stage of AI transformation – and we are part of it.
Salesforce brings together decision-makers and experts to showcase how Agentic AI, data, and modern platforms are redefining business processes. Expect inspiring keynotes, real-world use cases, live demos, and a dedicated industry area for Financial Services.
See what this means for your credit risk management. At our booth, you can expect:
- Deep Dive into Commercial Credit Risk Assessment: How AI agents reduce manual effort and accelerate decision-making
- Agentic AI in Action: Live demo of AI agents in credit risk assessment
- The technology behind it: The ACTICO Credit Risk Platform – built on the Salesforce platform and powered by Agentforce
- One platform, many capabilities – all AI-powered: financial spreading, internal rating models, credit risk assessment, and loan origination & decisioning
Why you should visit us
If you’re exploring how to:
- make faster, more informed credit decisions
- reduce manual effort
- future-proof your processes
then let’s talk.
Your meeting at Agentforce World Tour in two simple steps
Step 1: Register for free on the Salesforce event page.
Sign up here
Step 2: Schedule your meeting using the form on the right.
Agentic AI for Credit Risk Assessment for Banks and Financial Institutions
ACTICO brings agentic AI across the credit risk lifecycle – from automated financial spreading and analysis to credit memo creation, risk assessment and decisioning.
Book a Demo Explore the ACTICO Credit Risk Platform
Why Agentic AI Matters
Banking Processes Are Increasingly Complex
Credit risk assessment requires analysts to synthesize data from multiple sources, including financial statements, market data, internal policies, and historical customer information.
Manual and time-consuming steps include:
- Extracting financial statements from reports
- Collecting data across internal and external systems
- Performing financial ratio analysis
- Preparing credit memos and risk reports
- Checking compliance with internal lending policies
Traditional automation addresses individual steps but cannot manage complete workflows.
Agentic AI transforms this by enabling goal-driven workflows where agents plan tasks, gather information, and execute structured analysis across multiple systems.
AI Agents Supporting Credit Analysts
How Agentic AI Works in Credit Risk Assessment
In credit risk workflows, AI agents function as operational partners for analysts. They automate repetitive tasks and prepare structured analysis, allowing experts to concentrate on risk evaluation and decision-making.
Typical workflow with Agentic AI:
- A new credit request or annual review is triggered.
- The agent checks whether all required data is available.
- Financial statements are extracted and structured automatically.
- The agent performs financial analysis and peer comparison.
- A structured risk assessment and credit memo are prepared.
- The credit analyst reviews the analysis and makes the final decision.
- Analyst feedback improves the agent’s knowledge base.
This collaboration significantly reduces manual work while maintaining full human oversight.
Key Capabilities of AI Agents
Agentic AI enables financial institutions to automate numerous credit risk tasks:
Automatically extract, interpret, and spread financial statement data with AI.
- Intelligent data extraction: Detect and extract relevant financial data from PDF and scanned PDF statements.
- Multi-format and multi-language support: Process financial statements across different formats and languages.
- Automated spreading: Map financial line items to configurable spreading templates and apply your spreading guidelines.
- Human-in-the-loop: Review and validate AI-supported spreading while maintaining control over the process.
Turn spread financial data into meaningful insights for credit analysis and decision-making.
- Review and comment: Review reported financials and add comments directly in the spreading grid.
- Financial ratios: Calculate and analyze key financial ratios using standard or custom spreading templates.
- Trend and common-size analysis: Visualize financial trends and assess changes in financial structure and performance.
- Peer and group analysis: Compare borrowers against industry-, country- or user-defined peer groups and create consolidated statements across connected clients.
Use financial statement data as an input to risk rating and credit decisioning.
- Centralized data: Store financial statement data in a centralized, auditable database or in the cloud.
- Risk rating integration: Use financial data as input for risk rating models and credit decisioning.
- Workflow integration: Connect risk assessment with credit workflows and downstream decision processes.
- Open integration: Integrate with existing workflows and applications through standardized interfaces and APIs.
Credit Agents orchestrate data and analysis across the credit workflow, generating structured, audit-ready credit memos based on your company’s guidelines. Generate structured credit memos based on any data available (e.g. client master data, financials, ratings).
- Comprehensive Credit Assessment: Consolidate financial analysis, rating results, risk indicators and relevant customer information using structured and unstructured data sources.
- Individual Credit Recommendations: Prepare credit assessments, proposed limits, conditions and recommendations using Agentic AI.
- Analysts stay in control throughout, with every agent action logged, explainable and traceable.Reduce the manual work involved in preparing credit memos.
Compare companies against relevant peers and market benchmarks to put financial performance into context.
- Peer selection: Select and configure relevant peer groups based on defined criteria and company characteristics.
- Financial comparison: Compare key financial metrics, ratios and performance indicators across selected peers.
- Market analysis: Assess a company’s financial performance against industry and market benchmarks.
- Flexible analysis: Adjust peer groups and comparison criteria to support different credit analysis requirements.
Built for Governance, Compliance, and Scale
Designing Effective and Responsible Agent Systems
Successful agent-based systems follow a clear architecture and governance model. Financial institutions operate in highly regulated environments, requiring Agentic AI deployment with robust controls embedded from inception.
Key Components:
- Defined Roles — Agents must have clear responsibilities and defined tasks within the workflow.
- Structured Data Access — Agents require access to relevant internal and external data sources such as financial statements, internal policies, and market information.
- Defined Actions and Prompts — Agents execute specific tasks such as financial analysis, KPI calculations, and variance identification.
- Guardrails and Compliance Controls — Strict guardrails ensure agents use only relevant data and operate within defined regulatory boundaries, avoiding unsupported conclusions and ensuring bias controls are in place.
- Native Platform Integration — Agents should operate directly within credit risk systems to enable efficient workflows and continuous improvement.
Agentic AI in Commercial Credit Risk – Executive Briefing
Get insights on how banks and financial institutions are using Agentic AI to transform credit risk assessment – in the Executive Briefing “Agentic AI in Commercial Credit Risk.”
Frequently Asked Questions
What is Agentic AI?
Agentic AI systems autonomously plan and execute complex, multi-step tasks to achieve defined goals. Unlike traditional automation or Generative AI, agents reason, adapt to new information, and coordinate across systems — all within clearly defined boundaries.
How does Agentic AI differ from Generative AI?
Generative AI answers questions and creates content when prompted — one interaction at a time. Agentic AI advances further: it decomposes a goal into subtasks, executes them sequentially, responds to interim results, and delivers structured output for human review.
Will AI agents replace credit analysts?
No. Agentic AI addresses time-intensive operational work — data gathering, financial extraction, analysis preparation — enabling analysts to emphasize expert judgment and final decisions. Human oversight remains central throughout.
What specific tasks can a credit agent perform?
A credit agent can validate incoming credit requests, extract and structure financial statement data, perform ratio analysis and peer comparisons, prepare qualitative and quantitative risk assessments, generate credit memos, and flag early warning signals — all within existing credit risk platforms.
How is ROI calculated for Agentic AI in credit risk?
ROI derives from two factors: value created and costs incurred. Benefits emphasize reduction in processing time per workflow and analyst capacity freed. Costs include implementation, prompt engineering and maintenance, and consumption-based usage fees. Institutions can target 50–60% reduction in time-to-decision, with ROI reaching approximately 3x when scaled beyond initial pilots.
Can Agentic AI be deployed in compliance with financial regulations?
Yes. Responsible deployment requires full traceability of all agent actions and outputs, strict data access controls aligned to need-to-know principles, human-in-the-loop checkpoints for all credit decisions, and compliance with frameworks such as the EU AI Act and DORA.
Can the agent capabilities be accessed from other systems?
Yes. ACTICO exposes agent capabilities via MCP (Model Context Protocol) servers, allowing third-party systems to call functions such as financial spreading or risk rating preparation through an API.
How long does implementation take?
Timeline varies depending on scope and existing infrastructure, but a focused pilot — targeting one or two workflows such as financial spreading or risk rating — can typically launch within weeks. Scaling to additional workflows follows once the pilot is validated.
How do I get started implementing Agentic AI in our Credit Risk Assessment processes?
The best first step involves mapping current credit workflows and identifying where the most manual, repetitive work occurs. ACTICO can then help scope a proof of concept, model ROI for specific volumes, and demonstrate capabilities against your own data.
News
Chartis Research Again Names ACTICO a Category Leader for AML Transaction Monitoring 2026
ACTICO has again been named a Category Leader in the Chartis RiskTech Quadrant® for AML Transaction Monitoring Solutions 2026. The assessment recognizes ACTICO’s strengths in risk typology modeling, analytical modeling, model validation, workflow automation, and AI-powered compliance.
Anti-Money Laundering
Financial Institutions/FinTech, Insurance
Awards & Recognitions
News
ACTICO announces it has joined forces with Axe Finance, a global provider of credit and risk management software
ACTICO announces that it has joined forces with Axe Finance, a UK-based provider of credit and risk management software. The deal is supported by Keensight Capital, one of the leading private equity managers dedicated to pan-European Growth Buyout investments.
Webinar On-Demand
Update on AML Requirements for Insurers: what you need to do now to be ready by July 2027.
AML update for insurers: What needs to be done by July 2027 regarding KYC, risk assessment and transaction monitoring? Including practical insights. Watch the webinar.
Anti-Money Laundering
Insurance
Explore Agentic AI for Credit Risk Management
Agentic AI enables financial institutions to modernize credit risk processes while maintaining transparency and regulatory control. Discover how AI agents can support your credit analysts and accelerate risk decisions.
nSight is nCino’s premier annual event for financial services—bringing together 1,700+ decision-makers and innovators from 300+ financial institutions for three days of sessions, peer exchange, and hands-on innovation showcases.
As a partner in the nCino ecosystem, ACTICO will be at the event throughout. Our focus: helping credit risk teams create and deploy internal rating models at scale – consistently, audit-ready, and without adding operational overhead.
ACTICO at nSight from May 12 to May 14, 2026
What we’ll show you
ACTICO Credit Risk Rating helps credit risk teams manage all internal rating models – any number, any complexity – on one platform. Designed to work seamlessly within nCino environments.
Take this opportunity at the booth to discuss your challenges and see live demonstrations of:
- Internal rating model governance across complex portfolios
- Scorecard integration in nCino environments
- Agentic AI support for rating teams – governed, explainable, audit-ready
On-Demand Webinar: ACTICO and Accenture discuss how Agentic AI is moving from experimentation to practical use in banking and financial services
Banks and financial institutions are increasingly exploring Agentic AI to accelerate operations, improve consistency, and support better decision-making.
The session focuses on how AI Agents can support commercial credit risk assessment, helping institutions reduce manual effort, improve transparency, and accelerate credit decisions.
The webinar also includes a live demo of an AI Credit Agent and a sample ROI calculation illustrating the potential business impact.
What you will learn:
- What Agentic AI is and how it differs from previous AI approaches
- Real-world use cases in banking and financial services
- Where AI Agents can support credit risk assessment processes
- A live demo of a Credit Agent, including automated financial spreading and credit workflows
- How to measure the value and ROI of Agentic AI initiatives
Featured in the webinar
Accenture shares strategic insights on the emergence of Agentic AI, including practical use cases across banking and financial services and why many institutions are moving from experimentation to implementation.
ACTICO demonstrates how Agentic AI can be applied specifically in commercial credit risk assessment,
including a live demo of an AI Credit Agent and a sample ROI framework.
Who should watch
This session is relevant for professionals across banks, insurance and financial institutions:
- Credit Risk
- Commercial Lending
- Risk & Compliance
- Digital Transformation
- Banking Technology and Operations
Why watch this webinar?
To learn how AI Agents can support more efficient, consistent, and scalable credit risk assessment processes.
Agentic AI in Commercial Credit Risk
Get insights on how banks and financial institutions are using Agentic AI to transform credit risk assessment – and what it means for yours – in our Executive Briefing which distils the webinar in a short read.
Book a Demo of the Credit Risk Platform
ACTICO has been recognised as Leading Decisioning Platform 2025 at the 21st Elets NBFC 100 Tech Summit, hosted by Elets Banking & Finance. The award highlights ACTICO’s strong position in the APAC market and the company’s contribution to advancing digital and automated credit decisioning for non-banking financial companies (NBFCs) and financial service providers.
ACTICO Credit Decision Platform enables financial service providers and NBFCs to automate credit decisions, combining business rules and AI in a seamless way. Decisions remain transparent and under the control of business domain experts.
Key capabilities of the solution:
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- real-time decisioning at scale
- flexibility and scalability to support rapid business growth
- deployment options across SaaS or on-premises
- reduced operational effort and improved credit decision quality
- integrated ML and AI capabilities to enhance decision accuracy and consistency
More information on ACTICO Credit Decision Platform can be found here.
“Being recognised as Leading Decisioning Platform 2025 is a strong validation of our long-term commitment to supporting NBFCs and financial service providers across India with reliable, high-performance decisioning technology. We are proud to see the impact our credit decisioning platform delivers in the market and appreciate the trust and collaboration we see across the region.“
Ruben Alink, Managing Director APAC
Growing importance of the Indian market for ACTICO
India is a strategic growth market for ACTICO. NBFCs face the challenge of automating credit decisions in a scalable, regulatory compliant, and efficient way:
“This recognition underscores ACTICO’s accelerating momentum in India, where NBFCs are increasingly focused on scalable, resilient and high-performance decisioning. Through close collaboration with customers on the ground, ACTICO enables lending institutions to enhance operational excellence, support growth at scale and drive sustainable outcomes across the Indian financial services ecosystem.“— Vishwas Trehan, Sales Director India, ACTICO
ACTICO also stands out in international analyst comparisons
Complementing the recognition at the Elets Summit, the internationally recognised report The Forrester Wave™: AI Decisioning Platforms, Q2 2025 provides a benchmark comparison of 15 leading vendors worldwide. ACTICO was rated a “Strong Performer” and was the only provider recognised as a “Customer Favorite”.