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FOR FINANCIAL INSTITUTIONS

IntelligentFinancial Platforms

Decision and operations platforms for banking, leasing and insurance.

From a single process to a scalable platform. Orchestrates digital channels, advisor-assisted operations and the partner ecosystem — audit-ready from day one.

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TRUSTED BY FINANCIAL INSTITUTIONS
  • PKO Bank Polski
  • mBank
  • Santander
  • Crédit Agricole
  • Raiffeisen
  • Bank Pocztowy
  • UNIQA
  • Vienna Life
  • AXA
  • PFR TFI
  • mLeasing
  • Pocztylion
  • 25+
    years in financial services
  • 85+
    financial institutions
  • 300+
    production deployments
  • 100%
    financial-services focus
PICK YOUR SECTOR

Solutions matched to the regulator and processes of your industry.

Banking, leasing and insurance run different distribution channels, decision flows and audit obligations. Entering through your sector is the shortest path to fit.

THE CHALLENGE

Decision velocity is falling behind customer and regulator expectations.

  1. 01

    Fragmented systems

    Decision data lives in silos and integrations are brittle and hard to audit.

  2. 02

    Manual operations

    Documents are still handled outside the system — with limited control and high unit cost.

  3. 03

    Long time-to-decision

    Customers wait hours, while the regulator expects every decision to be explainable and documented.

IFP PLATFORM

One platform. A complete decisioning system.

Channels, assisted operations, contact center, partners and API on a single orchestration layer. A composable architecture that shortens time-to-decision and lets further processes ship without rebuilding the foundation.

Explore the platform
AI WORKFORCE

AI agents that support your team.

Agents take on the repetitive parts of the operator's work. The human decides where risk, ethics or the regulator require it.

Each agent operates within permissions set by the institution. Answers cite the source (RAG over the institution's knowledge base), every action leaves an immutable audit trail, and escalation thresholds are explicit.

  • AI Loan Officer

    Runs a loan application from form to engine decision — scoring, documents, customer history.

    The advisor approves the decision and owns any policy exception.

  • AI Underwriter

    Reads the insurance application, classifies documents, checks policy and proposes terms.

    The underwriter confirms pricing and approves non-standard profiles.

  • AI AML / KYC Specialist

    Verifies identity, screens PEP and sanctions, flags transaction anomalies, drafts the compliance note.

    The AML officer reviews high-risk alerts and files regulatory reports.

  • AI Knowledge Assistant

    Answers questions about products, policies and processes — with a citation to the source (RAG).

    The employee sees the source of every answer and can challenge or correct it.

Agent deployment principles
  • Explicit scope of rights per agent.
  • Mandatory human escalation on high-risk decisions.
  • Immutable audit trail on every action.
  • Answers cite the source instead of inventing.
Let's discuss agents for your processes
SELECTED IMPLEMENTATIONS

Real implementations. Measurable outcomes.

Selected work from financial services — shorter time-to-decision, lower operating cost, higher conversion.

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TRUST & COMPLIANCE

AI in finance only matters if it survives the audit.

Every platform component is designed for procurement, security review and supervisory scrutiny. Decision explainability, audit trail, access control and operational resilience are part of the architecture, not a layer on top.

  • Explainability and a complete decision audit trail
  • Support for DORA, AI Act and GDPR obligations
  • Security, BCP/DR and access control
Open Trust & Compliance
FROM STRATEGY TO PRODUCTION

From strategy to production

  1. 01

    Discovery

    We map processes, regulatory risk and integration points.

  2. 02

    Pilot

    First decisioning process live in production in 8–12 weeks.

  3. 03

    Scale

    Additional processes ship on the same platform — without rebuilding the foundation.

FAQ

Frequently asked questions

Answers calibrated for architecture, risk and compliance teams. Short, no marketing.

What are Intelligent Financial Platforms?
IFPs are composable decisioning and operations platforms for financial institutions. They combine channels (Digital, Assisted, Contact Center, Partner, API), an experience layer, process orchestration (Camunda / BPM), a decision engine (AI models + rules) and integration with core systems. We deliver them in stages — the first production process typically goes live in 8-12 weeks.
Which financial institutions does QRQS work with?
Retail and corporate banking, leasing companies, insurers and selected asset managers / pension funds. References include PKO BP, mBank, Santander, Crédit Agricole, Bank Pocztowy, Raiffeisen, UNIQA, AXA, Vienna Life, PFR TFI, Pocztylion and mLeasing.
How does QRQS support AI deployments in regulated environments?
We treat decision models as a regulated component — with model cards, validation, drift monitoring, explainability and mandatory human oversight where risk requires it. AI agents operate within a strictly defined scope of rights, with an immutable audit trail. Responses cite the source (RAG over the institution's knowledge base) instead of hallucinating.
How does the QRQS platform support DORA, AI Act and GDPR compliance?
The architecture is designed for DORA obligations (ICT operational resilience, third-party risk, incident reporting), AI Act (model classification, documentation, human oversight, appeal path) and GDPR (minimisation, retention, data-subject rights). Final accountability for compliance — certifications, reporting to KNF / EBA / EIOPA — remains with the institution; we deliver the components, documentation and processes on which that compliance can be based.