AI for Banks

We're not a chatbot. We process the credit file.

AI for banks that does the work: Multimodal's AI agents read credit files, draft CRE and SBA memos, clear payment exceptions, and prepare anti-money-laundering cases, so your bankers can make faster credit decisions with every source in front of them.

Built for banking leaders at community and regional banks who want to leverage AI across the back office and middle office without adding headcount or replacing legacy systems.

Automate

Credit Files and Memos

Clear

Payment, Exception and AML Queues

Equip

Bankers With Answers and Sources

Book a Demo

See It on Your Files

One Agentic AI Platform for Your Whole Back Office

AgentFlow is the central platform for AI agents across lending, payments, compliance, and customer onboarding. Instead of a separate AI banking tool for each department, financial institutions run every workflow on their own data, within their own environment, with a single audit trail.

Learn More

What is AI for Banks?

AI for banks is the use of artificial intelligence, including machine learning models, generative AI, and AI agents, to perform banking work: reading loan files, flagging fraud, screening payments, and preparing compliance and internal reporting, with bankers retaining decision-making authority.

Across the banking sector, AI supports customer engagement, from handling customer interactions 24/7 to providing personalized financial advice in wealth management. The biggest gains sit in the back office, where document processing shapes cost structures.

What is an AI Agent for Banks?

An AI agent for banks is an AI system trained on your policies, credit guidelines, and internal knowledge bases that completes a workflow end-to-end. It reads both structured and unstructured data, cross-checks third-party data, drafts the credit memo, and flags exceptions. Every output cites its source, and your relationship managers and credit team make the final call.

What is the Best AI for Banks?

The best AI for banks works with your real files, spans multiple departments, cites a source for every field, and leaves decisions to your bankers. When banking leaders compare banking AI, the test is a messy real file. AgentFlow is built to pass it, with strong data governance and AI embedded in the core banking systems you already run.

The real-file test

What to check before you buy

Works with your real files

Spans multiple departments

Cites a source for every field

Leaves decisions to your bankers

How Multimodal AI Agents Work

Our AI Agents learn, think, and act with different built-in capabilities. We fine-tune these AI Agents on your company data and deploy them as APIs through our AgentFlow platform.

Unstructured AI

Processes unstructured data for RAG architectures and downstream GenAI applications.

Document AI

Trained on your schema to extract, label, and organize data from structured and unstructured documents.

Decision AI

Ingests your internal manuals and guidelines, providing accurate data-driven decision recommendations for complex workflows.

Database AI

Access company databases to answer queries, interpret datasets, and provide actionable insights.

Conversational AI

Uses your internal data to handle customer and staff questions 24/7, completing the request behind the question.

Report AI

Generates reports, policies, messages, and other documents in your company’s unique style while staying compliant with regulations.

How Banks Use Multimodal: Libra Internet Bank

Libra Internet Bank used AgentFlow to automate document processing for financial analysis. AI agents read trial balances and balance sheets, build the analyst's workbook and draft a 13-section credit report, pausing for human review before results flow into the bank's systems. Libra now runs two workflows in production and is building a third for individual lending.

Hours to minutes

to build a client's analytical workbook

93.6%

extraction accuracy on native-digital documents

workflows in production, with a third in development

Multimodal deployment data, 2026 | Last updated: September 2026

Libra Internet Bank Automates Financial Analysis With Agentic AI and Scales It Bank-Wide

See how Libra Internet Bank uses AgentFlow's agentic AI to turn raw accounting documents into analyst-ready financial workbooks in minutes, with 93.6% accuracy.

See Your Potential Savings

Use our free ROI calculator to estimate your payback period and cost savings with AgentFlow.

Try the ROI Calculator

The Board-Ready Business Case

A framework for evaluating AI in lending: the ROI model, risk management plan, and a 90-day adoption roadmap.

Read the Report

"Our work with Multimodal confirmed that Agentic AI can move beyond isolated use cases into real, production-grade impact across banking workflows."

Andreea Manuela Tirlea

Libra Internet Bank

AI Agents for Every Bank Workflow

Commercial and CRE Lending

87.1%

Accuracy across all documents

93.6%

Accuracy on digital documents

CRE loan analysis: Extract rent rolls, T12s and appraisals, calculate NOI and DSCR, and draft the credit memo for your commercial banking clients.

Financial spreading: Spread trial balances, balance sheets, and business tax returns into your workbook, with every figure traced to its page to cut human error.

Consumer and SBA Lending

20x

Faster application approval

99%

Document classification accuracy

Consumer loan origination: Extract application data, reconcile credit, and apply policy rules for personal, auto, and HELOC loans.

SBA loan evaluation: Check eligibility against SBA size standards and assemble submission-ready packages.

Payments and Deposit Operations

50%

Faster case processing

75%

Less processing time on daily payment orders

ACH and wire validation: Screen transfers against OFAC and internal watchlists and validate beneficiaries.

Exception queues: Route only the items that need a banker, with the evidence attached.

AML and Fraud Prevention

10 to 15%

Of bank FTEs on KYC and AML work

Same-day

SAR narratives ready for review

Transaction monitoring alerts: Compare spending patterns and customer behavior, trace unusual transactional networks, and attach the evidence to every alert.

SAR narratives: Draft narratives with the required FinCEN elements for your BSA officer to approve and file.

Customer Onboarding and Account Opening

20x

Faster KYB and KYC

15 minutes

From application to onboarded

Entity verification: Extract formation documents and verify beneficial ownership.

KYC and AML screening: Automate KYC and AML checks within a single workflow.

AgentFlow business account opening: application form with beneficial ownership, ID verification and KYB, KYC and AML checks

Workflow	What AgentFlow does	What your banker decides
CRE credit memo	Extracts property financials, calculates NOI and DSCR, drafts the memo	Risk rating and approval
SBA loan packet	Checks eligibility, assembles the package	Program fit and credit decision
Tax-return spreading	Spreads returns and statements, traces every figure	Adjustments and global cash flow
ACH and wire exceptions	Screens watchlists, validates beneficiaries	Release, return or escalate
AML alerts and SARs	Builds the case file, drafts the narrative	Whether to file
Business account opening	Verifies ownership, runs KYB and KYC screening	Risk classification

See AgentFlow Work on Your Own Files

AI adoption starts with one workflow. Prove the value on your own files, then scale your AI initiatives.

Pick a workflow

CRE, SBA, consumer lending, ACH or AML.

We run it live

AgentFlow processes your actual files in a 30-minute proof-of-concept.

Review the output

See the finished package, the sources and the audit trail.

Book a Proof-of-Concept

How Does AgentFlow Compare to Other AI Tools for Banks?

Most AI tools handle one piece of the job in one department. AgentFlow handles the entire file across departments, from intake to decision.

Option	Works on the full file	Covers more than one department	Examiner-ready evidence	Fits a lean back office
Chatbots and virtual assistants	No	Customer service only	Conversation logs only	Front line only
OCR or RPA scripts	Partly; breaks on new formats	One rule set at a time	Limited	Needs ongoing upkeep
Lending-only AI tools	Loan files only	Lending only	Varies	One more vendor per department
Core or LOS add-ons	Inside one system	One system	Varies	Limited to that system
AgentFlow	Yes, end to end	Lending, payments, compliance and onboarding	Source, policy and reviewer on every output	One platform, no data science team

Why Banks Choose Multimodal

Examiner-Ready by Design

Source, policy and reviewer on every output, so model oversight is built in.

Works With Your Core

Integrates with Jack Henry, Fiserv, FIS and nCino. No rip-and-replace.

Built for Community and Regional Banks

No data science team needed. Agents learn your policies, enabling banks with lean teams to scale without new hires.

Your Bankers Decide

You set thresholds, review low-confidence work and log every override, keeping human oversight on decision-making.

Book a Demo

Responsible AI, Examiner-Ready on Every File

Across the banking industry, regulatory expectations for AI continue to rise, and every AI model must be transparent and explainable. AgentFlow gives risk teams the evidence to manage risk, strengthen risk management, and deploy AI responsibly:

How examiner-ready AI works

On every output

The source document behind every field

A confidence score for every output

The policy version applied

The reviewer, any override, and its reason code

Security & Data Privacy First

Flexible Deployment

Run AgentFlow in your virtual private cloud or on-premises.

Data Privacy

Single-tenant, zero data retention. AI systems that handle customer data must comply with strict data privacy regulations, and your data remains under your control.

SOC 2 Type II

Report available under NDA for your vendor due diligence.

Security & Trust

Keep Learning

What Community Banks Can Learn from Credit Union AI Adoption

How Community Banks Compete With Megabanks

Bank Lending Automation

Bank Operations Automation

Serving a credit union? See AI for credit unions, or explore AgentFlow for financial services.

FAQ

What is AI for banks?

AI for banks automates lending, operations, and compliance management. AgentFlow reads credit files, applies your policies, drafts memos, and routes decisions to your bankers, improving the customer experience without adding headcount.

What is the best AI tool for banks?

The best AI tool completes whole workflows on real documents, works across departments, cites its sources and leaves decisions with bankers. AgentFlow automates credit memos, SBA packets, payment exceptions and AML case files with a full audit trail.

How is AI used in banking?

Banks use AI for fraud detection, credit decisions, regulatory compliance, customer onboarding and document processing. For many institutions, the fastest return comes from repetitive tasks, freeing staff for strategic planning and revenue growth.

How is agentic AI different from a bank chatbot?

A chatbot answers questions. Agentic AI systems complete the work behind them: reading the loan file, checking policy, and building an audit-ready package for a banker to approve. It is a turning point for AI-driven services: intelligent systems that complete tasks.

How does AI improve fraud detection and anti-money laundering?

Machine learning tools analyze transaction patterns to spot anomalies and account takeovers, adapting as fraud tactics change. AgentFlow works the alerts: it gathers the evidence, drafts the SAR narrative, and hands the case to your BSA officer.

How can banks deploy AI responsibly?

Start with data governance, explainable models, testing for algorithmic bias, and human oversight on every credit decision. AgentFlow records the evidence behind each output, helping you address emerging risks.

Does AgentFlow integrate with core banking systems such as Jack Henry, Fiserv, or FIS?

Yes. AgentFlow integrates with Jack Henry, Fiserv, FIS, and nCino, so integrating AI never means rebuilding your operating model.

Is our customer data safe?

Yes. AgentFlow deploys in your private cloud or on-premises with a single-tenant architecture, encryption, role-based access, and zero data retention, supporting your data management and privacy requirements.

Will AI replace bank staff?

No. AgentFlow takes on data processing, spreading, and first drafts, so relationship managers and credit teams can spend more time on customer relationships and digital interactions that drive growth for the bank.

What does AgentFlow cost?

Pricing depends on your workflows and deployment. Try our ROI calculator to estimate how automating complex workflows lowers operational costs, then contact us for a quote.