Case Study
Case Study
Case Study
Caiz | Digital Solutions for AI-Driven Finance
The Platform for Digital Banking, Compliance, and AI-Driven Finance
Year:
2025
Year:
2025
Year:
2025
Industry:
FinTech
Industry:
FinTech
Industry:
FinTech
Team:
14 people
Team:
14 people
Team:
14 people
Approach
Approach
Approach
The engagement began with a greenfield architecture and journey definition phase, mapping customer and operational workflows into agent-driven responsibilities and contracts. In parallel, we analyzed banking capabilities, data flows, and integration boundaries to define orchestration zones with clear reliability targets and scalability metrics. Through targeted user research, we refined personas (first-time users, salaried professionals, SMEs, and compliance officers) and surfaced friction points across onboarding, daily spending, transfers, and savings/investment journeys. Customer Journey Maps (CJMs) informed the design of guided onboarding, transparent fee structures, contextual support, and unified money movement (P2P, bill pay, salary deposit, merchant payments). This phase established the foundation for AI-enabled orchestration focused on compliance, trust, and seamless financial experience.
The engagement began with a greenfield architecture and journey definition phase, mapping customer and operational workflows into agent-driven responsibilities and contracts. In parallel, we analyzed banking capabilities, data flows, and integration boundaries to define orchestration zones with clear reliability targets and scalability metrics. Through targeted user research, we refined personas (first-time users, salaried professionals, SMEs, and compliance officers) and surfaced friction points across onboarding, daily spending, transfers, and savings/investment journeys. Customer Journey Maps (CJMs) informed the design of guided onboarding, transparent fee structures, contextual support, and unified money movement (P2P, bill pay, salary deposit, merchant payments). This phase established the foundation for AI-enabled orchestration focused on compliance, trust, and seamless financial experience.
The engagement began with a greenfield architecture and journey definition phase, mapping customer and operational workflows into agent-driven responsibilities and contracts. In parallel, we analyzed banking capabilities, data flows, and integration boundaries to define orchestration zones with clear reliability targets and scalability metrics. Through targeted user research, we refined personas (first-time users, salaried professionals, SMEs, and compliance officers) and surfaced friction points across onboarding, daily spending, transfers, and savings/investment journeys. Customer Journey Maps (CJMs) informed the design of guided onboarding, transparent fee structures, contextual support, and unified money movement (P2P, bill pay, salary deposit, merchant payments). This phase established the foundation for AI-enabled orchestration focused on compliance, trust, and seamless financial experience.
Architecture
Architecture
Architecture
We introduced a multi-layer Agentic Experience Architecture managing intent routing, session continuity, and policy enforcement across mobile, web, and admin environments. Specialized AI Agents were defined to collaborate across key financial functions: Onboarding & Identity Orchestration — managing KYC and customer setup under compliance constraints. Payment & Policy Agents — ensuring adherence to transaction limits and AML rules. Conversational Support & Case Triage — automating intent understanding and escalation routing. Spend Intelligence Agents — enabling personalized financial insights and continuous compliance monitoring. The orchestrator unified these agents under zero-trust policy control and reasoning continuity, ensuring transparent governance and dynamic adaptation to user behavior and regulatory updates.
We introduced a multi-layer Agentic Experience Architecture managing intent routing, session continuity, and policy enforcement across mobile, web, and admin environments. Specialized AI Agents were defined to collaborate across key financial functions: Onboarding & Identity Orchestration — managing KYC and customer setup under compliance constraints. Payment & Policy Agents — ensuring adherence to transaction limits and AML rules. Conversational Support & Case Triage — automating intent understanding and escalation routing. Spend Intelligence Agents — enabling personalized financial insights and continuous compliance monitoring. The orchestrator unified these agents under zero-trust policy control and reasoning continuity, ensuring transparent governance and dynamic adaptation to user behavior and regulatory updates.
We introduced a multi-layer Agentic Experience Architecture managing intent routing, session continuity, and policy enforcement across mobile, web, and admin environments. Specialized AI Agents were defined to collaborate across key financial functions: Onboarding & Identity Orchestration — managing KYC and customer setup under compliance constraints. Payment & Policy Agents — ensuring adherence to transaction limits and AML rules. Conversational Support & Case Triage — automating intent understanding and escalation routing. Spend Intelligence Agents — enabling personalized financial insights and continuous compliance monitoring. The orchestrator unified these agents under zero-trust policy control and reasoning continuity, ensuring transparent governance and dynamic adaptation to user behavior and regulatory updates.
Outcome
Outcome
Outcome
The project established a composable, compliant foundation for AI-driven financial operations within the CAIZ platform. By combining agentic orchestration with rigorous engineering (idempotent ledgers, policy enforcement, and full audit tracing), CAIZ gained a scalable infrastructure ready to support new financial modules—including cards, salary deposits, SME tools, and investment systems—without re-architecture. The resulting system maintains trust, transparency, and operational efficiency as it grows, positioning CAIZ as a pioneer in AI-enabled, compliance-first digital banking.
The project established a composable, compliant foundation for AI-driven financial operations within the CAIZ platform. By combining agentic orchestration with rigorous engineering (idempotent ledgers, policy enforcement, and full audit tracing), CAIZ gained a scalable infrastructure ready to support new financial modules—including cards, salary deposits, SME tools, and investment systems—without re-architecture. The resulting system maintains trust, transparency, and operational efficiency as it grows, positioning CAIZ as a pioneer in AI-enabled, compliance-first digital banking.
The project established a composable, compliant foundation for AI-driven financial operations within the CAIZ platform. By combining agentic orchestration with rigorous engineering (idempotent ledgers, policy enforcement, and full audit tracing), CAIZ gained a scalable infrastructure ready to support new financial modules—including cards, salary deposits, SME tools, and investment systems—without re-architecture. The resulting system maintains trust, transparency, and operational efficiency as it grows, positioning CAIZ as a pioneer in AI-enabled, compliance-first digital banking.
False-positive rate
7%
False-positive rate
7%
False-positive rate
7%
Cross-Stage Explainability Alignment
75%
Cross-Stage Explainability Alignment
75%
Cross-Stage Explainability Alignment
75%
End-to-End Success Rate (Journeys)
99.5%
End-to-End Success Rate (Journeys)
99.5%
End-to-End Success Rate (Journeys)
99.5%
Agent Containment
72%
Agent Containment
72%
Agent Containment
72%
Multi-Agent Orchestration Yield
92%
Multi-Agent Orchestration Yield
92%
Multi-Agent Orchestration Yield
92%
Fraud loss rate
15 bp
Fraud loss rate
15 bp
Fraud loss rate
15 bp
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Whether you have questions or just want to explore options, I'm here.