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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
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.
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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.
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
2
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.
The Board-Ready Business Case
A framework for evaluating AI in lending: the ROI model, risk management plan, and a 90-day adoption roadmap.
"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.
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.
01
Pick a workflow
CRE, SBA, consumer lending, ACH or AML.
02
We run it live
AgentFlow processes your actual files in a 30-minute proof-of-concept.
03
Review the output
See the finished package, the sources and the audit trail.
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.
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:
Security & Data Privacy First
Flexible Deployment
AgentFlow runs as a managed platform with customer data separated by account; private cloud options can be evaluated and scoped separately.
Data Privacy
AgentFlow keeps customer data separated by account, with no model training on customer documents unless agreed in writing. 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.
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 runs as a managed platform with customer data separated by account, encryption, role-based access, and no model training on customer documents unless agreed in writing, supporting your data management and privacy requirements. Private cloud options can be evaluated and scoped separately.
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.