Launch propositions in weeks. Grow across every customer.
For banks and insurers running on fragmented stacks: FintechOS gives you one composable, agentic operational layer above your existing core. Pre-built as industry solutions, ready to configure to your business and live in a quarter, without ripping and replacing what you’ve already built.
The AI Platform for Financial Product Operations.
Built for regulated financial product operations. Governance in the runtime, audit-traceable agent actions, deterministic at the process level, agentic at the task level. The new operating model, without the operational risk.
Cycles compress. Stacks consolidate. AI delivers.
Multiple fragmented product stacks per institution. Consolidate above the core, line by line, into one operational layer with cross-product context (bundles, offers, lifecycle servicing) and AI embedded in the runtime.
Industry solutions. Accelerators. Agentic configuration.
Industry solutions purpose-built for banking and for insurance, each shipping as a complete foundation with the depth its industry demands. Solution accelerators that ship new product lines in weeks, configured to your geography, your appetite, your brand. And Dex, the AI Copilot that lets product teams describe products in natural language, against a governed schema, without engineering dependency. Three layers, one platform, one configuration model.
Solutions built for your need
Banking and insurance live in different worlds: different vernacular, different lifecycles, different regulatory expectations. Each toolkit is built for its industry; they share the same FintechOS platform underneath.
Solution accelerators that ship in weeks
Pre-built solution accelerators, ready to deploy. Configure to your products, brand, and rules, and go live without bespoke build. Each comes bundled with the industry solution it’s built for.
Property Insurance
A complete home and contents insurance product line. from product definition, wording, and rating through quote-to-bind, mid-term adjustments, renewals, and claims. Configurable to your perils, sub-limits, and underwriting appetite, with multi-channel distribution out of the box.
- Home
- Contents
- Embedded
- Renewals
- Claims
- Triage
Pet Insurance
End-to-end pet insurance, from product configuration and breed-condition rules through digital quote-to-bind, lifetime renewals, and claims with AI-assisted triage. Direct-to-consumer, broker, and embedded distribution on one engine.
- Pet
- Direct
- Embedded
- Renewals
- Claims
- AI Triage
Auto Insurance
A full motor insurance product line. Usage-based pricing-ready, full quote-to-bind, MTA self-service, mid-term changes, and digital FNOL with claims orchestration. Configurable to your vehicle and driver risk model, with aggregator, broker, and direct journeys.
- Mortgage
- Telematics
- Doc Upload
- MTA
- FNOL
- Aggregator
SME Insurance
A unified SME insurance accelerator covering business owner policies, commercial property, liability, and cyber with multi-product bundling, broker workbench, direct-to-customer journeys, mid-term endorsements, and renewals. Designed for carriers, MGAs, and binder schemes.
- Commercial
- Multi-product
- Bundling
- Broker
- MGA
- Renewals
Unit-Linked
A complete unit-linked life and investment product line. From fund and contribution configuration through digital quote-and-apply, ongoing premium handling, fund switching, partial surrenders, top-ups, and lifecycle servicing. IFRS 17 and Solvency II–aware, configurable to your fund range and charge structure.
- Unit-Linked
- Investment
- Servicing
- IFRS 17
- Fund Switching
- Solvency II
Term Life
End-to-end term life insurance, from product wording and underwriting rules through digital quote-and-apply, evidence collection, e-signed issuance, in-force servicing, and claims. MGA-ready, configurable to your underwriting appetite and reinsurance treaties.
- Term Life
- Underwriting
- e-Sign
- In-Force
- Reinsurance
- MGA
Retail Digital Account Opening
A complete digital account opening accelerator for retail customers (covering personal current accounts, savings, joint accounts, and youth banking), with channel-specific journeys for digital, branch, and indirect distribution. Configurable to your KYC depth, regulatory geography, and product shelf.
- Retail
- DAO
- Onboarding
- KYC
- Multi-Channel
- Personal
Retail Loans
End-to-end personal and consumer lending, from product configuration through digital quote-to-funding, including unsecured personal loans, point-of-sale finance, BNPL, and revolving credit. Pre-built integrations with bureaus, scorecards, and KYC providers across each geography. Proven at TBI Bank, ProCredit Group, Vibrant Credit Union.
- Retail
- Personal
- BNPL
- POS Finance
- Bureau
- KYC
Retail Loans
End-to-end personal and consumer lending, from product configuration through digital quote-to-funding, including unsecured personal loans, point-of-sale finance, BNPL, and revolving credit. Pre-built integrations with bureaus, scorecards, and KYC providers across each geography. Proven at TBI Bank, ProCredit Group, Vibrant Credit Union.
- Retail
- Personal
- BNPL
- POS Finance
- Bureau
- KYC
Retail Mortgages
A complete retail mortgage product line, from product wording and rating through eligibility intake, application, document capture, decisioning, binding offers, and disbursement. Direct-to-customer, broker, and indirect journeys on one engine. Proven at Avant Money, CEC Bank, Admiral Money.
- Retail
- Mortgage
- Broker
- Direct
- Decisioning
- Disbursement
Retail Cards
A complete cards origination accelerator covering credit cards, debit cards, and embedded cards, from application through decisioning, issuance, and activation, with cross-sell at point of need to other product lines. Pre-integrated with major card networks, BIN sponsors, and issuing platforms. Proven at TBI Bank, ProCredit Group, CEC Bank.
- Retail
- Cards
- Credit
- Debiut
- Embedded
- Cross-sell
Business Digital Account Opening
End-to-end business onboarding, from application through legal entity verification, UBO checks, KYC/KYB scaled to risk, and digital activation. Configurable to your business segments (sole traders to corporates) and to local registries, sanctions, and PEP databases. Proven at ProCredit Group, Société Générale, TBI Bank.
- DAO
- KYB
- UBO
- Multi-jurisdiction
- Multi-segment
Business Loans
complete business lending accelerator covering working capital lines, asset finance, term loans, revolving facilities, and SME-to-corporate-scale lending, with relationship-manager workbench, broker portal, and direct-to-customer journeys on the same engine. Pre-integrated with credit bureaus, business credit data providers, and accounting platforms across the US, UK, and Europe. Proven at ProCredit Group, Société Générale, Victoria Bank.
- Business
- Loans
- RM Workbench
- Broker
- Direct
- Multi-product
Success Stories
FintechOS is the financial product engine of choice for some of the most exciting, innovative companies in banking and insurance.
- InsurancePet Insurance
- BankingRetail banking
Build the Future of Finance
With FintechOS, financial institutions can continuously design, launch, and evolve products across banking and insurance.