Brochure
Deadline 10 July 2027: The EU AML Package Hits Insurers Hard
Anti-money laundering in insurance must change significantly due to the EU AML package: fewer manual processes, more automation.
Anti-Money Laundering
Insurance
Automated Financial Spreading – driven by the AI-powered ACTICO Spreading Agent
Automate financial data extraction and spreading using Intelligent Document Processing and Generative AI.
How ACTICO Financial Spreading Agent works
Automated Financial Spreading replaces manual data capturing and mapping tasks with an automated, AI-powered service.
The result: less time spent on data preparation, and more time available for credit analysis.
ACTICO’s Vision
AI in Commercial Credit Risk Assessment
At ACTICO, we see Artificial Intelligence not as a black box or standalone tool – but as a collaborative force that works alongside our end users. Our goal is to empower credit professionals through intelligent agents that:
- understand the language and logic of commercial credit risk assessment,
- follow institutional guidelines and audit requirements,
- and deliver transparent, traceable outcomes – always under human oversight.
Agentic AI in Credit Risk Assessment
How AI Agents transform the role of credit analysts
Agentic AI marks the next evolution beyond Generative AI. Instead of executing single prompts, agents autonomously perform complete tasks – from data collection to analysis. For credit risk teams, this means fewer manual steps, faster decisions, and greater consistency.
Discover in this Business Insight how Agentic AI transforms credit risk workflows and what prerequisites are key for its use in regulated environments.
Automated Financial Spreading FAQ –
Frequently Asked Questions
Is it possible to automate the financial spreading process?
Yes, it is possible to automate the financial spreading process, allowing credit teams to analyze more loans in a shorter time.
What technologies are used by the Spreading Agent?
The Spreading Agent uses a combination of intelligent document processing (IDP), natural language processing (NLP), and large-language models (LLM) to auto-spread financials.
What are the benefits compared to manual financial assessment?
An automated spreading process eliminates the time-consuming process of manual input and mapping of financial statement data. It allows the credit analyst team to process more loans in less time.
Is the Automated Spreading Agent capable of handling the heterogenous formats, languages, and layouts of financial statements?
Yes, equipped with the latest generation Generative Artificial Intelligence models, spreading agents can understand and cope with the complexity and heterogeneity related to formats, language and layouts of financial statements.
Our spreading template(s) are unique to our banking organization. How is the agent capable to map against my proprietary template?
The spreading agent’s knowledge is augmented with bank-specific spreading templates and guidelines. Similar to a human analyst, it is able to use and apply these bank-specific instructions and guidelines during the data mapping and spreading process.
Can the Spreading Agent handle scanned documents and various layouts?
Yes. Using OCR and semantic AI, the system can process both digital and scanned PDFs with heterogeneous structures.
Can we use our internal templates?
The results are auditable and continuously improved through feedback. Validation points can be configured.
How accurate is the output?
The results are auditable and continuously improved through feedback. Validation points can be configured.
Does the system support various accounting standards and languages?
Yes. Multiple languages and formats are supported.
Recognised throughout the industry.
For many years, ACTICO has been recognised by customers and analysts as a leading provider of Advanced Decision Automation Technology and solutions for Compliance and Credit Risk Management.
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