saasinator.ai
INDUSTRY · FINANCIAL SERVICES

Explain the alert.
The model that fired it is a vendor artefact.

Core banking, fraud scoring, KYC, lending — every regulated workflow on a licence whose rules you cannot inspect. Do not start there. Build the thing your investigators have been asking for, and work back toward the contract.

  • You own the code from commit one
  • No per-account or per-transaction fee
  • Every model call auditable
Start an ignite buildSee the methodology
The estatereplaceable
  • Core banking platformProduct and account services
  • Fraud and AML scoringOwned scoring models
  • KYC and sanctionsOne customer lifecycle
  • Lending originatorDecisioning pipeline
  • Treasury systemCash and position view
  • Regulatory reportingContinuous reporting ledger
Core · fraud · AML · KYC · lending · treasury · reportingyours on commit one
Why this domain exists

You are accountable to the regulator.
Your vendor is accountable to its roadmap.

The examination lands on your desk, not the vendor's. Yet the scoring model, the schema and the release cycle all sit behind a contract. Three forces, none accidental.

Financial services run on regulation and software — both expensive, both compounding. Core banking from Temenos, Finastra or FIS; fraud and AML from NICE Actimize, SAS or Oracle; KYC platforms, lending originators, treasury systems. Every renewal is a negotiation you cannot win, because exit costs more than staying — until the alternative exists.

The model is not inspectable

Fraud and AML scoring arrives as a vendor artefact. You cannot read why an alert fired, cannot retrain on your own book, and cannot change the false-positive rate that absorbs your investigations team.

Priced per account, per transaction

The invoice tracks the two things a bank exists to grow. Account growth and volume raise the vendor line faster than they raise net interest margin, and every new channel adds another.

Your customer, their schema

Products, balances, rules and the KYC lifecycle live in the core vendor's data model — often across three onboarding workflows for one customer, because three vendors share the lifecycle.

Rented today

  • The model is not inspectable
  • Priced per account, per transaction
  • Your customer, their schema

Owned after

  • Your systems
  • Claude-first engine
  • Your data
What this desk rents today collapses into one stack it owns outright.
STAGE 01Ignite

Start with something risk could never justify before.

New agents beside the platforms you already run. Nothing retired, nothing migrated — every vendor system keeps doing what it does today. Confidence starts here, in weeks.

Credit underwriting agent

Reads the bureau file, the bank statement and the cash-flow trace against your own credit policy, then drafts the decision your risk officer signs off. Retail and SME, on your criteria rather than a vendor's scorecard.

Runs on your own credit policy and bureau feeds

Alert-triage agent

Works the fraud and AML alert queue your vendor platform generates, assembles the case file, and puts a drafted disposition in front of the investigator. The vendor keeps scoring; your team stops assembling evidence by hand.

Runs beside your existing fraud and AML platform

Dispute and complaint agent

Card disputes and regulated complaints triaged, drafted and routed against the SLA the regulation sets, with every step timestamped for the file.

Reads your case, card and correspondence systems

Start an ignite build
STAGE 02Reforge

The estate you already own, rebuilt AI-native.

The reporting layer, the customer lifecycle and the audit trail: designed, run and paid for outright by your team. Same logic, modern substrate, every decision traceable — every line yours.

IN — what you run today
  • Core banking platform
  • Fraud and AML scoring
  • KYC and sanctions
  • Lending originator
  • Treasury system
  • Regulatory reporting
SAIF

the saasinator AI Factory — glass-walled delivery

  • Brief
  • Build
  • Evals
  • Deploy
  • Transfer
OUT — what you own afterwards
  • Product and account services
  • Owned scoring models
  • One customer lifecycle
  • Decisioning pipeline
  • Cash and position view
  • Continuous reporting ledger

Product categories are the ones you already run. What comes out the other side is yours — source, models, data and pipeline, transferred on commit one.

KYC and sanctions rebuild

Onboarding, periodic refresh, sanctions screening and enhanced due diligence encoded as data your compliance team edits. One lifecycle across products and channels instead of three workflows for one customer.

Consolidates the onboarding workflows spread across your vendors

Regulatory reporting ledger

Every transaction, policy change and model decision logged with provenance, so a submission is a view your team opens rather than a quarter of archaeology.

Rebuilt across your own systems of record

Service workflow rebuild

The regulated service processes your operations team designed, rebuilt as workflows they edit directly instead of tickets they raise against a vendor module priced per case.

Rebuilt against your existing service processes

Coverage

Six segments. The same pattern in each.

Wherever the regulated process is most yours is where the licence bites hardest. These are the segments we work in, and what the pattern looks like inside each.

Retail & corporate banking
  • Universal banks running retail products beside corporate banking
  • Treasury and trade finance workflows as owned services
  • Product, account and transaction logic on your own schema
Asset & wealth management
  • Investment managers, family offices and private banks
  • Custodian and exchange feeds reconciled as an owned pipeline
  • Client reporting generated from your own book of record
Insurance & takaful
  • General, life and health insurers and takaful operators
  • Underwriting decisioning on your own policy
  • Claims triage and adjudication as workflows your team edits
Cards & payments
  • Issuers, acquirers and processors on scheme rails
  • Dispute and chargeback handling against the regulated SLA
  • Authorisation and settlement monitoring as an owned view
Islamic finance
  • Sharia-compliant retail and corporate product structures
  • Sharia governance carried in the audit trail, not bolted on
  • Profit-sharing calculations as your own owned logic
Fintech & embedded finance
  • Digital-first lenders, neobanks and payment fintechs
  • Cloud-native infrastructure you already control
  • Partner and channel onboarding as an owned workflow
Functional areas this domain touches
Finance & AccountingCustomer ManagementData & AnalyticsTechnology
Plan a rebuild
STAGE 03Liberate

The black box comes out. The bank keeps trading.

Liberation is earned, not sold. By the time we replace a core system, you have watched us build. Then the per-account licence stops pricing a bed.

The licence ledger

Illustrative

The commercial shape of a banking stack, as a buyer reads it

Basis of charge
Per account, per transaction, per module. The three things the bank exists to grow are the three things the invoice follows.
Growth condition
Volume and channel expansion are additive to the bill. Contraction rarely removes a line before the term ends.
Model opacity
The scoring artefact is licensed, not transferred. Retraining and threshold changes sit on the vendor's cycle, not on your examination timetable.
On exit
Products, rules and the KYC lifecycle sit inside the vendor's schema — not in an asset you hold.
Cost of staying————

Shape only — the direction of travel, not a quantity. Your own curve comes from your own renewal schedule.

Illustrative. This is our reading of a commercial pattern common to financial services software, not a quotation from any vendor agreement — no contract text, no clause references, no figures.

Owned fraud and AML models

Scoring, alert generation and case management rebuilt on your own book and your own eval suite, tuneable by your investigators and auditable per call. The false-positive rate becomes a number you set.

Replaces the vendor fraud and AML scoring platform

Core layer on your stack

Product, account and transaction logic rebuilt as services on your data, until the core-banking platform is a system of reference rather than the system of record.

Replaces the core-banking platform your products run on

Owned decisioning platform

Origination and decisioning for retail and SME lending as your own pipeline, with the policy in your hands rather than in a licensed rules engine.

Replaces the vendor lending origination and decisioning modules

Plan a liberation
How it is built

Glass-walled from brief to transfer. Nothing behind a black box.

SAIF is our delivery method and it runs in the open. You watch the build as it happens, read the evals that gate every release, and keep every artefact — including the ones that record what did not work.

  1. 01

    Brief

    One workflow, scoped against your own data and your own renewal position.

  2. 02

    Build

    Agentic delivery against your systems, visible while it runs.

  3. 03

    Evals

    Every release gated on tests you can read and re-run yourself.

  4. 04

    Deploy

    Into infrastructure you control, alongside the system it stands beside.

  5. 05

    Transfer

    Your team runs it. We do not leave until they can.

You own it from commit one

Source, models, prompts, evals and pipeline. Not a licence to use what we built — the asset itself.

Two weeks to a working build

A working build against your own systems in two weeks. Fixed scope, fixed bill.

Every decision is examinable

Model calls, policy versions and approvals are logged with provenance from the first build, so what you show a regulator is a view rather than a reconstruction.

See the methodology
Proof

Not a claim. Terms we sign up to.

100%
IP transferred on commit one
0
per-account or per-transaction fees
2 weeks
to a working build · fixed scope, fixed bill
Our commitment

Every engagement starts with a scoped working build against your own systems. If it doesn't convince you, you pay nothing — and you keep the code either way.

The ask

Bring the black box your auditors like least.

Ten working days. Which capability to build first, what the next renewal actually costs, and what owning the replacement takes. You keep the analysis.

Start an ignite buildSee how we build
Fixed feeTen working daysNo commitment beyond the diagnostic