FintechOS launches AI platform for banks & insurers
FintechOS has launched a customer technology preview of FintechOS 8, a new version of its platform for banks and insurers.
The platform brings together product operations, data and governed AI execution across the lifecycle of financial products. It is now available for implementation in customer environments, with broader general availability planned later this quarter.
The release targets a problem many financial institutions face as they try to move AI projects beyond small-scale trials. While AI adoption in financial services is increasing, many projects still stall because firms struggle to demonstrate business value, prepare their technology estates and put governance controls in place.
At the centre of the release is an effort to connect AI more closely to product data, operational workflows and policy controls. The platform includes a financial services copilot and specialist agents designed to operate within defined guardrails and with traceability.
"A common misconception is that financial institutions have an AI problem; in reality, their challenge is largely an operationalization one," said Teo Blidarus, Chief Executive Officer, FintechOS. "We built FintechOS 8 around a simple premise: AI in financial services only works when it is grounded in real product data, real workflows and real governance. This release makes data and AI operational for financial institutions, not experimental."
Banking focus
One of the new industry offerings in FintechOS 8 is aimed at banks, credit unions and building societies. Called Unified Product Pricing & Origination, it is intended to provide a reusable origination layer across products, channels and core systems.
Many lenders still run separate origination stacks for different products and distribution routes, a setup that can lengthen change cycles and increase operating costs. The new banking offering connects product definition, eligibility, pricing, workflow and decisioning in a single process.
According to FintechOS, this should support faster product launches and updates, more consistent decisioning across channels, and the use of AI in data ingestion, personalisation and underwriting, with human oversight and traceability.
Insurance push
The second new offering is for insurers and managing general agents. Called Intelligent Policy Administration System, it is designed to move product logic, workflows, decisioning and servicing functions out of legacy systems and into a separate policy operations layer.
The approach is intended to help insurers change policies and products more quickly without altering core systems. It should also reduce reliance on legacy system modifications and apply governed AI to ingestion, servicing decisions and workflow orchestration.
Both products are delivered through what FintechOS calls solution accelerators. These include pre-configured product models and workflows, integrations with ecosystem data providers, and built-in AI functions aligned with regulatory and operational controls.
The aim is to reduce implementation timelines from months to weeks. More broadly, FintechOS is positioning the new release as an alternative to large-scale core replacement projects, arguing that financial institutions can update product operations while continuing to run on existing core systems.
Market position
The launch also forms part of FintechOS's broader effort to strengthen its position in financial services software. Microsoft recently gave the company the status of a Solutions Partner with a certified software designation for Financial Services AI.
FintechOS said the designation covers FintechOS 8 on Microsoft Cloud and reflects standards for interoperability, security architecture, governance and responsible AI controls. The company did not disclose any commercial terms linked to the recognition.
Founded in 2017, FintechOS sells software to banks, insurers, credit unions and building societies. It says it serves more than 60 customers across North America, Europe and Asia-Pacific, supporting more than 25 million end customers and more than $100 billion in assets under management and gross written premium.
FintechOS is headquartered in London and has offices in New York, Bucharest and Amsterdam.