Fintech & Financial Services
AI That Understands Regulation
Your competitors are automating fraud detection and credit decisions. The question isn't whether to adopt AI — it's how to deploy it without triggering regulators.
40%
Reduction in fraud losses with AI monitoring
100%
Audit trail for every AI decision
Minutes
Credit decisions that took days
The Fintech AI Challenge
Why financial AI projects stall at compliance review
Regulatory Complexity
GDPR, AI Act, DORA, PCI-DSS, national banking laws. Each jurisdiction adds requirements. Most AI vendors don't understand the intersections.
Data Sensitivity
Transaction data, KYC records, credit histories. One breach means millions in fines and potential license revocation. Data never leaves your infrastructure.
Explainability Requirements
Credit scoring requires explanation of decisions. 'The AI said no' doesn't satisfy regulators. Every rejection needs documented reasoning.
Third-Party Risk
DORA mandates oversight of AI providers. You can't just plug in ChatGPT and hope for the best. Critical providers face EU-wide supervision.
European Financial Compliance
Four frameworks, one integrated approach
US fintech solutions built for SOX don't automatically work in Europe. Different legal basis, different technical requirements, different liability structure.
GDPR
- Lawful basis for processing financial data
- Right to explanation for automated decisions
- Data minimization in AI training
- Cross-border transfer restrictions
DORA
- ICT risk management frameworks
- Digital operational resilience testing
- Third-party provider oversight
- Incident reporting requirements
PCI-DSS 4.0
- AI systems handling payment data
- Continuous security monitoring
- Vendor AI assessment requirements
- Cardholder data protection in ML
Regulatory Timeline
Now
GDPR, PCI-DSS 4.0, DORA enforced
Aug 2025
AI Act: Prohibited practices
2026
MiFID III reforms
Aug 2026
AI Act: High-risk requirements
Fintech AI Use Cases
Where AI delivers measurable value
Fraud Detection
Real-time transaction monitoring and anomaly detection. AI identifies patterns humans miss, flags suspicious activity before funds leave.
40% reduction in fraud losses
Credit Decisioning
AI-assisted underwriting with mandatory human oversight for high-risk decisions. Faster approvals, consistent criteria, documented reasoning.
60% faster credit decisions
AML/KYC Automation
Customer due diligence, sanctions screening, ongoing monitoring. AI handles volume, humans handle judgment calls.
80% reduction in false positives
Regulatory Reporting
Automated generation of compliance reports. Cross-reference requirements, ensure consistency, reduce manual errors.
90% faster report generation
Customer Service
AI-powered support with clear escalation paths. Handle routine queries, identify urgent issues, maintain service quality at scale.
70% of queries resolved automatically
Document Processing
Contracts, loan applications, compliance documents. Extract data, verify consistency, flag anomalies for human review.
85% reduction in processing time
The Explainability Question
Every AI decision must be explainable.
It's the law.
GDPR Article 22 gives customers the right to explanation for automated decisions. Credit denials, fraud flags, risk assessments — all need documented reasoning. We build systems where AI provides recommendations with clear logic chains, and humans make final calls on consequential decisions.
How It Works
Three-layer architecture for compliant fintech AI
Fintech AI Agents
Connect to Your Data
MCP Connectors
Teach How to Operate
Agent Skills
Foundation Layer
Claude Models
Haiku / Sonnet / Opus
Human Oversight
HITL Integration
Compliance Engine
GDPR / DORA / PCI-DSS
Audit Trail
Full Traceability
Kenaz builds all three layers — from MCP connectors that integrate with your core banking systems, through custom Agent Skills for your compliance workflows, to deployment with proper regulatory controls.
How We Help
Fintech AI infrastructure for European institutions
Financial Data Preparation
Clean your transaction data for AI. Anonymize customer records, maintain analytical utility, full audit trail. Your data never leaves your infrastructure.
Learn more →GDPR/DORA Compliance
Not just checkboxes — actual compliance that survives audits. Documentation, risk assessment, technical controls designed for financial services.
Learn more →MCP Integration
Connect AI models to your banking systems using Model Context Protocol. Core banking, payment gateways, KYC providers — secure, auditable connections.
Learn more →RAG & Knowledge Systems
Build financial knowledge bases that work. Regulations, policies, procedures — indexed and retrievable for compliance teams.
Learn more →Latest: AI Compliance for Financial Services
DORA is now in force. What it means for your AI implementation and how to prepare for AI Act high-risk requirements.
Read the analysis →FAQ
How does DORA affect our AI implementation?
DORA requires ICT risk management frameworks that cover AI systems. You need documented controls, incident reporting procedures, and oversight of third-party AI providers. If your AI vendor is deemed 'critical', they face EU-wide supervision.
Can we use AI for credit decisions under GDPR?
Yes, with safeguards. Article 22 requires human involvement in significant automated decisions. AI can recommend, but humans must review edge cases. You also need to provide explanations when customers request them.
What's the AI Act impact on financial services?
Credit scoring and fraud detection are classified as high-risk AI. Mandatory conformity assessments, human oversight requirements, detailed technical documentation. Full requirements apply from August 2026.
How do we handle PCI-DSS with AI systems?
AI systems processing payment data must meet PCI-DSS 4.0 requirements. That includes data protection, access controls, and vendor assessments. You can't send cardholder data to external AI APIs without proper controls.
What about third-party AI providers?
DORA requires formal oversight of ICT providers including AI vendors. Due diligence, contractual requirements, exit strategies. We help you build compliant AI on your infrastructure, reducing third-party risk.
Ready to Deploy Compliant Fintech AI?
The regulatory clock is ticking. Financial institutions building compliant AI infrastructure now will have competitive advantage when AI Act enforcement begins. Start with an assessment.
Request Fintech AI Assessment