SunTec unveils AI-powered account analysis to aid US banks

SunTec Business Solutions has launched an AI-augmented account analysis solution aimed at assisting banks in the United States with pricing and deal decisions.

The newly announced solution is intended to support banks as they contend with heightened competition and pressure on margins. SunTec's enhanced account analysis product, part of its Xelerate suite, is designed to transform traditional account analysis into a more intelligent, decision-support tool for treasury and relationship management teams.

Banks using the AI-enhanced platform can ingest account analysis statements in various formats, extracting and mapping essential data efficiently for comprehensive analysis. This capability is expected to enable faster identification of rate differences, volume tiers, and opportunities for product bundling-key factors in more competitive deal structuring.

According to SunTec, a notable feature of the solution is its ability to conduct AI-driven deal simulations. The technology allows bank teams to assess the impact of changes to rates, fees, and transaction volumes directly within the platform, providing clarity on the implications of different pricing strategies before they are presented to clients.

The company states that the solution also supports the building of transparent, audit-ready deal proposals. These proposals are intended both to accelerate negotiations and to improve client trust by providing a clear record of how pricing decisions are made and justified.

The AI-augmented tool brings together account-level data from across the bank and injects predictive intelligence to assist managers in making pricing and structuring decisions more rapidly, while maintaining accuracy and addressing compliance requirements.

Perspectives from leadership

Banks today need more than reports; they need intelligence. Our enhanced Account Analysis Solution transforms static statements into actionable insights, helping banks understand their clients better and craft pricing strategies that are fair, transparent, and profitable.

This statement was made by Nanda Kumar, Chief Executive Officer and Founder of SunTec Business Solutions. Kumar's comments highlight the shift from static data analysis towards deeper, actionable insights driven by advanced technologies such as artificial intelligence.

Amit Dua, President of SunTec Business Solutions, expanded on this view, saying:

U.S. banks are under pressure to innovate while maintaining trust and transparency with corporate clients. By integrating AI into Account Analysis, we're giving banks the power to benchmark, simulate, and structure smarter deals faster and with greater confidence.

Both executives highlighted transparency, compliance, and the goal of fair pricing as central aims for the new product offering.

Intended benefits

SunTec sets out several key benefits of the AI-augmented account analysis solution. The automation capabilities are designed to reduce manual input, thereby boosting operational efficiency for institutions handling high volumes of statements and transactions. Automated workflows in the solution reportedly help staff focus on higher-value analysis and client engagement, as opposed to routine data processing tasks.

For treasury teams and corporate treasurers, the product offers enhanced cash management tools, including earnings credit and advanced interest offerings. This is aimed at supporting strategic decision-making for large corporate banking customers who rely on accurate, timely insights regarding their cash positions and earnings offsets.

The solution provides compliance features that allow banks to deliver audit-ready reporting, adhering to industry requirements for codes and statements. SunTec points out that these features are intended not only to ensure regulatory alignment but also to strengthen long-term client relationships through greater transparency into account and cash flow activities.

Another stated benefit is optimisation of offsets and credits across large, complex portfolios, with the potential to support banks in driving profitability by maximising the return on assets and cash balances held on behalf of clients.

Technology integration and usage

SunTec underscores that its Xelerate Account Analysis Solution is designed to integrate with banks' existing systems. The platform supports multiple deployment options, including on-premise, cloud, and Software as a Service (SaaS) models. According to the company, this flexibility allows banks to implement AI-powered capabilities in account analysis without major disruption to their current technology infrastructure.

The release of the AI-augmented account analysis solution is part of SunTec's broader focus on revenue management, pricing, and compliance tools for financial institutions operating in increasingly digital and competitive markets.