Introducing BankBuddy 7.0
When AI Meets Fragmentation, Scale Breaks
Most banking architectures were never designed for AI-led execution. They were built for linear workflows, channel-specific logic, human-led handoffs, and static rules engines.
AI breaks these assumptions. Once intelligence becomes real-time, probabilistic, and adaptive, point solutions collapse under their own boundaries. Models cannot see full context. Insights cannot trigger action safely. Decisions cannot propagate across channels. Risk and compliance cannot keep pace.
This is why adding more AI to fragmented systems slowed banks down in 2025 — instead of speeding them up.
Why All-in-One Banking Platforms Are the Future
AI does not scale in silos. AI scales only when the platform itself becomes the decision fabric.
The next generation of banking platforms must carry customer, risk, and operational context end-to-end. They must allow AI to decide and execute within policy boundaries. They must coordinate humans, automation, and channels as one system. And they must remain auditable, explainable, and regulator-safe.
This is not a tooling problem. It is a platform operating model shift.
What 2025 Made Unavoidable
Across banks globally, the same patterns repeated: AI generated insights—but execution stalled. Channels appeared intelligent—but behaved independently. Automation increased—but accountability weakened.
The challenge was not AI maturity. It was platform maturity.
What Makes BankBuddy 7.0 Different
A new operating model for AI-native banking.
Agentic AI as an Operating Model
AI agents operate across onboarding, lending, payments, servicing, and collections as coordinated flows — governed by policy, fully auditable, and always under human control.
One Orchestration Layer Across All Channels
Branch, kiosk, wallet, contact center, telephony, and assisted journeys share the same decision and execution fabric. Customers experience continuity. Banks experience control.
Infrastructure-Grade AI Journeys
Over 300 production-ready journeys embed regulatory logic, risk controls, and operational safeguards — allowing AI to act without introducing compliance risk.
Digital and Physical Convergence
AI does not stop at digital channels. Smart branches, assisted service, kiosks, and queue systems operate on the same intelligence layer — enabling true end-to-end execution.
Looking Ahead to 2026
As banks move deeper into AI-led operations, one reality is clear: AI without orchestration introduces risk. Orchestration without AI limits competitiveness.
The future belongs to platforms that unify intelligence and execution, automation and human judgment, digital and physical banking, speed and regulatory control.
BankBuddy 7.0 and the Next Phase of Banking
BankBuddy 7.0 is our contribution to this future:
- Built from real, large-scale deployments
- Designed for AI, open banking, security, and regulation
- Focused on outcomes — not experiments
The conversation for 2026 has already begun. Thank you to our customers, partners, and teams for the trust that shaped this journey. We look forward to continuing it together.
From Insight to Outcomes
BankBuddy 7.0 is proven in live enterprise environments—not pilots, not experiments. Across regions, banks and financial institutions are translating AI insights into measurable outcomes, faster execution, and better customer experiences.
Kina Bank
PeiBeta Digital Wallet
Launched a high-scale digital wallet using BankBuddy Digital Core, merchant, and agency banking—enabling rapid adoption, reliable remittances, and scalable merchant acceptance.
First Capital Bank
Smart Branch
Live across four countries, transforming branches into high-velocity digital service hubs. Unified kiosks, queue management, and assisted services integrate seamlessly with Finacle core banking.
Dubai Islamic Bank
Composable AI & Hyper-Personalization
Upgraded to composable AI to automate service requests and transactions, significantly reducing operational effort. Enabled zero-touch new customer acquisition for Islamic finance products.
NMB Bank
GenAI
Moved from basic automation to an enterprise-grade GenAI framework capable of handling complex, unstructured customer inquiries and transactions at scale.
DSB Bank
Agentic AI CX
Deployed multilingual conversational bots that manage end-to-end customer lifecycles, improving accessibility and service continuity.
HFC Bank
Agency Banking & Smart Onboarding
Enabled agency banking with automated customer onboarding and KYC for retail and corporate customers. Integrated across multiple touchpoints—powered by AI-driven journey orchestration.
Banco Keve
WhatsApp Banking (Portuguese)
GenAI-powered WhatsApp banking for queries, payments, transfers, and service requests—driving engagement through a familiar channel.
Family Bank
Omnichannel Agentic CX
Omnichannel, agentic AI experience that supports customer transactions and service journeys with consistency across channels.
Bank Simpanan Nasional
Agentic CRM & Customer 360
Implemented agentic AI for CRM, lead management, and Customer 360—enabling smarter engagement and conversion.
Philippine National Bank
Multi-Country CX Orchestration
Rolled out agentic AI-powered CX journeys across corporate and retail banking, spanning multiple countries.
Leading Insurtech Saudi Arabia
Omnichannel Insurance CX
Built an omnichannel insurance CX platform with real-time sentiment detection and human-in-the-loop (HITL) controls for better service quality and compliance.
Ready to Transform Your Banking Operations?
Discover how BankBuddy 7.0 can help your institution achieve AI-native orchestration at scale.