{"schemaVersion":"2.0","industry":{"slug":"financial-services","name":"Financial services","headline":"Accelerate the business of banking","summary":"Connect customer, lending and payment data with AI agents that help banks serve relationships, advance credit and complete transactions.","image":"/images/industry-financial-services-v1.webp","imageAlt":"Illustrative grand banking hall with teller counters and consultation rooms","workflows":[{"title":"Advance lending decisions","pain":"Borrower information and credit evidence arrive separately, delaying viable lending opportunities.","detail":"AI agents interpret borrower documents, summarize credit evidence and route exceptions, preparing complete lending files for authorized review.","output":"Decision-ready lending files and documented next steps.","authority":"Credit officers approve terms and lending decisions.","businessValue":"Advance viable lending opportunities with shorter review cycles.","sourceIds":["fs-origination"],"aiCapability":"Document interpretation and case summarization grounded in lending policy.","capabilityLimits":"Access, data quality, output testing and human authority are qualified during implementation."},{"title":"Open and deepen relationships","pain":"Fragmented customer histories slow account opening and obscure relevant relationship opportunities.","detail":"AI agents synthesize customer history, personalize banker-reviewed opportunities and coordinate approved onboarding and relationship follow-up.","output":"Banker-approved opportunities and completed onboarding handoffs.","authority":"Bankers approve recommendations, eligibility and activation.","businessValue":"Convert customer demand into lasting deposit relationships.","sourceIds":["fs-relationships"],"aiCapability":"Synthesize customer context and personalize banker-reviewed relationship actions.","capabilityLimits":"Access, data quality, output testing and human authority are qualified during implementation."},{"title":"Keep payments moving","pain":"Payment failures create manual investigations, delayed transactions and avoidable customer service friction.","detail":"AI agents interpret payment exceptions, propose repairs and coordinate approved actions through confirmed processing status.","output":"Resolved exceptions with confirmed processing status.","authority":"Payment owners authorize corrections and fund movements.","businessValue":"Protect payment service revenue and strengthen customer trust.","sourceIds":["fs-payments"],"aiCapability":"Diagnose payment exceptions and propose repairs within bank operating rules.","capabilityLimits":"Access, data quality, output testing and human authority are qualified during implementation."}],"story":{"framing":"Disconnected customer information slows account opening, credit reviews and payments. Elygent turns that context into agent workflows that advance lending, customer relationships and reliable service.","painPoints":[{"title":"Advance lending decisions","detail":"Borrower information and credit evidence arrive separately, delaying viable lending opportunities."},{"title":"Open and deepen relationships","detail":"Fragmented customer histories slow account opening and obscure relevant relationship opportunities."},{"title":"Keep payments moving","detail":"Payment failures create manual investigations, delayed transactions and avoidable customer service friction."}],"dataSources":[{"name":"Customer and account histories","detail":"Qualify ownership, permitted access, quality and business context before connecting."},{"name":"Income, credit and collateral records","detail":"Qualify ownership, permitted access, quality and business context before connecting."},{"name":"Payment messages and balances","detail":"Qualify ownership, permitted access, quality and business context before connecting."},{"name":"Product terms and risk policies","detail":"Qualify ownership, permitted access, quality and business context before connecting."}],"metrics":[{"name":"Application-to-decision time","definition":"Elapsed time between the agreed start and accepted completion of the workflow.","unit":"Time","why":"Compare with the baseline while preserving quality and required review."},{"name":"Account-opening completion rate","definition":"Completed account openings divided by eligible in-scope applications, multiplied by 100.","unit":"%","why":"Compare with the baseline while preserving quality and required review."},{"name":"Payment-exception resolution time","definition":"Elapsed time between the agreed start and accepted completion of the workflow.","unit":"Time","why":"Compare with the baseline while preserving quality and required review."}],"spotlight":{"title":"From bottleneck to working agents","summary":"Custom AI agents, team enablement and accelerated delivery turn a redesigned workflow into a working service. The implementation is tested against your systems, controls and acceptance standard.","inputLabel":"Your core data, existing systems and a valuable operating bottleneck.","outputLabel":"An implemented agent workflow, enabled people and measured operating outcomes.","steps":[{"id":"discover-redesign","label":"Simplify the workflow","detail":"Find the bottleneck. Remove waste and agree the baseline.","records":"Current work, policies and baseline.","owner":"Process owner and Elygent team.","output":"A simpler workflow with agreed success measures."},{"id":"connect-foundation","label":"Connect the foundation","detail":"Make your data, knowledge and systems usable by agents.","records":"Approved data, knowledge and system access.","owner":"Data owners and implementation engineers.","output":"Trusted context and qualified system connections."},{"id":"deploy-enable","label":"Deploy and enable","detail":"Build agents, test exceptions and train the people using them.","records":"Test cases, review paths and working methods.","owner":"Elygent engineers and your team.","output":"A validated agent workflow and an enabled team."},{"id":"operate-improve","label":"Operate and improve","detail":"Measure completed work, improve throughput and expand what works.","records":"Accepted outputs, turnaround and exceptions.","owner":"Service owner and Elygent team.","output":"A measured operating service with approved improvements."}]},"faq":[{"question":"Do we need to replace our systems?","answer":"Start with your existing workflow and qualify the connections. Data and context are prepared around it; system access and supported actions are agreed before deployment."},{"question":"How do we know the work improved?","answer":"Baseline turnaround, completed work and review effort. Test the new workflow, measure accepted output in operation and expand only after the result is validated."}],"sources":[{"id":"fs-origination","title":"Salesforce — Why Does Originating a Loan or Opening an Account in 2026 Still Feel Like 2006?","url":"https://www.salesforce.com/blog/digital-loan-origination-software/","publishedAt":"2026-06-09","accessedAt":"2026-10-05","evidenceType":"Current vendor description of loan and deposit origination workflows","note":"Describes connecting customer relationships, lending and deposit applications, document preparation and approval workflows. The narrative example and claimed speed figures are vendor marketing, not verified customer results or Elygent promises; product availability requires qualification."},{"id":"fs-payments","title":"Oracle — Banking Payments","url":"https://www.oracle.com/financial-services/banking/banking-payments/","publishedAt":null,"accessedAt":"2026-10-05","evidenceType":"Current documented banking product capabilities","note":"Describes payment data, exception queues and embedded AI support for issue identification, repair and corrective actions. This supports the proposed payment-operations pattern, not universal compatibility, autonomous Elygent money movement or a measured deployment result."},{"id":"fs-relationships","title":"Salesforce — AI-powered retail banking workflows","url":"https://www.salesforce.com/financial-services/banking-software/","publishedAt":null,"accessedAt":"2026-10-05","evidenceType":"Documented vendor AI capabilities","note":"Documents AI account summaries, product personalization and relationship follow-up using unified customer data. These are vendor capabilities, not Elygent results or guaranteed integrations."}]},"businessStory":{"context":"Disconnected customer information slows account opening, credit reviews and payments. Elygent turns that context into agent workflows that advance lending, customer relationships and reliable service.","outcomes":["Application-to-decision time","Account-opening completion rate","Payment-exception resolution time"],"coreData":["Customer and account histories","Income, credit and collateral records","Payment messages and balances","Product terms and risk policies"],"coreValue":"Help banks lend, grow deposit relationships and move customers’ money reliably.","implementationBridge":"Elygent redesigns the workflow, connects the bank’s systems, builds the agents and stays accountable for agreed operating outcomes."},"heroKind":"photo","imagePosition":"center center","path":"/industries/financial-services","url":"https://elygent.ai/industries/financial-services","notice":"Illustrative AI implementation opportunities. Scope, access, controls and acceptance are agreed per engagement; these are not verified Elygent customer results.","formats":{"json":"https://elygent.ai/api/industries/financial-services","markdown":"https://elygent.ai/api/industries/financial-services/markdown"}}}