Banking AI Engineering

AI Engineering for Banks & Credit Unions

XPndAI delivers AI agents, conversational banking bots, document intelligence, and workflow automation purpose-built for retail and corporate banking operations.

What We Build
For Your Business

End-to-end AI and software engineering with measurable enterprise outcomes.

How Leading Teams
Deploy This Technology

1

Omnichannel Banking Bot — Retail Bank

A mid-size retail bank deployed our AI chatbot across WhatsApp, website, and mobile app. The bot handles 80% of tier-1 customer queries autonomously, integrates live with core banking, and escalates to human agents only for complex cases.

2

KYC Document Intelligence — Cooperative Bank

A cooperative bank automated its KYC renewal process using our Document AI pipeline. Customer-uploaded documents are extracted, verified against UIDAI APIs, and the account is auto-renewed if clean — reducing branch visit requirements entirely.

Built With Modern Tools

GPT-4oClaudeLangChainVapiFastAPIPostgreSQLRedisTwilioAWSRBI-Compliant Infra

Common Questions Answered

Everything you need to know before starting an AI project with XPndAI.

What AI solutions does XPndAI build for banks?

XPndAI builds AI customer service agents, loan processing automation, document AI for KYC and account opening, fraud detection ML models, AI-powered credit decisioning, voice banking assistants, regulatory reporting AI, and RAG-powered internal knowledge bases for branch staff and compliance teams.

How much does banking AI development cost in India?

Banking AI at XPndAI ranges from ₹12–25L for a focused AI chatbot or KYC automation pipeline, ₹40–1Cr for a credit scoring engine or fraud detection system, and ₹1–5Cr for a full AI banking transformation programme. All engagements are fixed-price with clear deliverables.

Is XPndAI compliant with RBI Digital Banking regulations?

Yes. XPndAI builds banking AI aligned with RBI's IT Framework for Banks, RBI Digital Lending Guidelines, and NPCI compliance requirements. All AI decisions include audit trails, explainability scores, and human override mechanisms. We support CERT-In security norms and host on RBI-approved cloud infrastructure.

Can AI integrate with CBS (Core Banking Systems) like Finacle?

Yes. XPndAI integrates AI pipelines with Finacle, Temenos, FinnOne, and custom CBS via SOAP/REST APIs and message queues. AI agents read account data, trigger transactions within defined limits, and post audit entries back to CBS with full reconciliation support.

How long does banking AI implementation take?

A customer service AI chatbot for a bank takes 6–8 weeks including security review. A KYC automation pipeline takes 8–12 weeks. An end-to-end AI lending or fraud detection system takes 4–8 months. XPndAI follows RBI-compliant UAT and deployment procedures.

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Deep Dive. Free.

Talk directly to our lead engineers. We audit your requirements, propose the exact architecture, and give you a transparent roadmap — all in one call.

  • Technical Architecture Blueprint — custom for your use case.
  • Scalable Infrastructure — built for enterprise growth.
  • Production-Ready Code — rigorous QA and deployment.
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