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Financial services and insurance

Your customer can now ask how the AI decided. Have the answer ready.

Agent pilots in UAE banks and insurers work in the demo and stall in risk review. We build the gateway, the audit trail and the review pack that answer the Central Bank, the DFSA or the FSRA, and get them into production.

Talk to an architect Take the readiness check
Illustrative exampleOne agent request, outside policy
  • Agent identity checkedPassed
  • Data requestedOutside approved scope. Stopped.
  • Owner notifiedClaims operations lead
  • Decision loggedRecorded with time and reason

A bank or an insurer does not need AI that moves faster than its examiner. It needs AI its examiner can read, and then it needs it quickly.

Where you are

Your agent pilot works. Your supervisors are watching how you use it.

Claims triage, onboarding, servicing, fraud review: somewhere in your organization an assistant already does a job that used to take a person. The platform underneath is settled.

Consumer outcomes

The Central Bank has set out what responsible AI looks like.

Its February 2026 guidance note on the responsible adoption and use of AI and machine learning asks licensed financial institutions for governance and accountability, fairness, transparency and explainability, human oversight and sound data management. Higher-impact decisions such as credit and claims need more oversight, and customers should know when AI is used and be able to ask for a person.

What waiting costs: an automated decision you cannot explain to the customer, or to the supervisor who reads the complaint.

Three rulebooks

Onshore and free zone supervisors ask in different words.

Onshore institutions answer to the Central Bank of the UAE. Firms in the DIFC answer to the DFSA and the DIFC's data protection law, which has its own regulation on autonomous and semi-autonomous systems. Firms in ADGM answer to the FSRA and ADGM's data protection regulations.

What waiting costs: the same agent documented three ways, with a gap in one of them.

Third parties

Responsibility cannot be outsourced.

The Central Bank's outsourcing requirements and its AI guidance expect due diligence, audit rights and the ability to suspend a vendor's system, including a model you did not build.

What waiting costs: a model provider you can neither audit nor switch off when it misbehaves.

Rulebook, the UAE

Regulator or lawWhat it asksWhat it means for an agent
Central Bank of the UAE: Guidance Note on Consumer Protection and Responsible Adoption and Use of Artificial Intelligence and Machine Learning by Licensed Financial Institutions (February 2026)Governance and accountability, fairness and non-discrimination, transparency and explainability, effective human oversight, data management and privacyEvery agent has an owner and an inventory entry, high-impact decisions keep a person in the loop, and the log can explain a decision to the customer.
Central Bank of the UAE: Consumer Protection Regulation and StandardsFair treatment, disclosure and complaint handlingWhat the agent said and did is recorded, so a complaint is answered from the record.
Central Bank of the UAE: Model Management Standards and GuidanceModel inventory, validation, monitoring and governanceModels behind an agent are validated and monitored like any other model the bank runs.
Central Bank of the UAE: outsourcing requirements for licensed institutionsThe institution stays responsible; due diligence, audit rights and exitA third-party model can be suspended at the gateway without stopping the service around it.
DFSA in the DIFC, with the DIFC Data Protection Law (2020) and its Regulation 10 on autonomous and semi-autonomous systemsNotice, transparency and safeguards when personal data is processed by AI systemsAgents that process personal data in the DIFC are disclosed, and their purpose and controls are documented.
FSRA in ADGM, with the ADGM Data Protection Regulations 2021Personal data protection for firms in ADGMThe same control set, evidenced to the FSRA and the ADGM data protection regime.
Federal Decree-Law No. 45 of 2021 on the Protection of Personal DataPersonal data protection onshore, with some sectors, such as banking and credit data, partly governed by their own rulesThe agent reads only the personal data its purpose allows, and the record shows which.

What is in the way

It is rarely the model that holds things up. It is the review.

The distance between a pilot and a system your risk, audit and operations teams will accept is made of gateways, audit trails, data access and ownership. The review asks questions a pilot was never built to answer.

If your examiner asked for one decision, its log and its owner by Friday, what would you hand them?

The examiner asks for one decision

Without

Email archiveChat exportTicket historyModel provider logSpreadsheetSomeone's memory

Six places to search. No single answer.

With

AgentClaims assistant
ActionApproved a payment above the limit
DecisionHeld, then approved
ApproverNamed reviewer
TimeRecorded to the second
ReasonRecorded with the decision

One record. Every field present.

The record either exists already, or it does not exist at all.

How we clear it

Controls first, agent second. The governed route is the one that reaches production.

The institutions that get one governed agent into live use learn from real work while others rewrite a pilot for review.

  1. 01

    APIs your risk team signs off

    We put Apigee in front of your estate and design the policies, quotas and logging first.

    You hold: a governed API layer with an inventory, an owner for every endpoint and policy your examiner can read.

    Apigee and APIs
  2. 02

    Agents that go live

    We build agents on Gemini Enterprise and the Agent Development Kit that work inside the controls your risk team has already set.

    You hold: one agent in production, in claims, onboarding or servicing, with review gates built in and a decision log that rebuilds any action.

    Gemini Enterprise and agents
  3. 03

    Evidence your second line can use

    We write the pack model risk and internal audit will ask for: control descriptions, test results, ownership and a sample decision log.

    You hold: a review pack you can hand over without a rewrite.

    Security and responsible AI

Easy to start

Start with one workflow, not a program.

You

Choose one workflow, name one owner, and give us time with the people who sign it off.

Us

We bring engineers and the gateway design, we work inside your environment under your security rules, and we write the review pack alongside the build.

A good first workflow for a bank is onboarding checks or a servicing assistant. For an insurer it is first notice of loss or claims triage. See the fixed-price ways to start.

What the work feels like

What the first month looks like from your side.

  1. The first week

    One workflow is chosen and one person owns it. The questions your reviewers will ask are written down before any build starts. Your second line sees the controls in the first week, not at the end.

  2. The first sprint

    Governance goes in before the first agent does: the gateway, the audit trail and the access rules. Your risk team sees them working.

  3. Every week

    A working demo you can show your own review board, not a status slide.

  4. The sign-off

    A decision log that can rebuild any action, and a go-live date that was agreed at the start.

Production readiness check

Test one workflow against the five questions.

A short readiness check on a live or planned agent workflow. You get a score and the principles worth another look.

Take the readiness check

Questions banks and insurers ask us

Do we have to use Apigee?

Our delivery is built on Google Cloud, so the design assumes Apigee, Gemini Enterprise, Vertex AI and BigQuery. If your estate runs another gateway today, we begin with an assessment of what to keep and what to move.

Where does our data live while an agent works?

In your environment, under your keys and perimeter. Agents read governed data in place instead of copies of it.

Can you work with our model risk team from the start?

Yes. We ask for them in the first week and write the review pack with them.

Which regulators do you work to?

The ones in your market. The table above lists the main ones, and we confirm the local rulebook at the start.

What does a first engagement look like?

One workflow, one owner, a short assessment, then a build with a working demo every week.

What does the Central Bank of the UAE expect from AI?

Its guidance note of February 2026 asks licensed financial institutions for governance and accountability, fairness, transparency and explainability, human oversight and sound data management. Higher-impact decisions such as credit or claims need more oversight, and customers should be able to ask for human review. We build those controls into the first workflow, so the evidence exists before the supervisor asks.

We are licensed in the DIFC or ADGM. Do the same controls work?

Yes. The controls are the same and the evidence is filed differently: to the DFSA and the DIFC data protection regime, or to the FSRA and ADGM's. We map the agent's records to your regulator in the first week.

Bring us the AI decision your customer is most likely to question.

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