--- title: "Financial Services · Appnovation" url: "https://www.appnovation.com/industries/financial-services" description: "Open, auditable AI for banks, insurers and wealth managers. Appnovation builds governed AI and digital experiences trusted by Amex, MetLife and Prudential." --- Financial Services & Insurance # Open, Auditable AI for *Regulated Finance* Banks, insurers and wealth managers can't build on AI they can't inspect. We build AI products on governed open source, with models you can audit and host in your own environment. Amex, Prudential, MetLife, Daiwa Capital Markets ![Financial Services](https://cdn.sanity.io/images/ey850001/production/aa19d9704b5daaaf742436c387ad781f3231d1f0-1536x1024.png?w=1440&auto=format) Trusted by industry leaders worldwide * [![CapitalOne](https://cdn.sanity.io/images/ey850001/production/ce0a33d5246b86ae47d3dff2becc5c1a190d56d0-418x150.svg)](/work/capital-one-enabling-corporate-agility-to-drive-better-digital-banking.md) * [![AIG](https://cdn.sanity.io/images/ey850001/production/d031be16817bdf3cde27d5357016be4f6e73d80d-330x167.svg)](/work/seamless-agile-service-jira-service-management.md) * [![AIA](https://cdn.sanity.io/images/ey850001/production/e3ea0911d3201dcdb69a7e115b67db7211c0c9c9-51x51.svg)](/work/aia-global-atlassian-platform.md) * [![HSBC](https://cdn.sanity.io/images/ey850001/production/853f8c66642dc97af36934f80fbda4749da84de5-1973x536.png?w=320&auto=format)](/work/hsbc-enabling-shift-e-commerce.md) * [![Prudential](https://cdn.sanity.io/images/ey850001/production/f14985f76e73c2566178af331699cc083ce05f34-2500x1060.svg)](/work/prudential-optimizing-mobile-app-user-experience.md) ## Built for the Pace and Scrutiny of *Financial Services* Evolving with the market and our customers’ needs, we’ve built capabilities that go beyond engineering, development and managed services to include digital strategy, corporate readiness, user experience and design, and data and analytics. True to our customer-first approach, we help financial services organizations put their own customers first. ## Industry *Solutions* ### Regulatory-Ready Delivery Markets, rates and regulations move fast. We build agile delivery frameworks with compliance, security and audit checkpoints built in, so banks and insurers can launch products and changes quickly without reopening risk reviews every release. ### Customer Journey Design for Acquisition and Retention From account opening to claims, we redesign the journeys that decide whether customers stay. Using data, analytics and design thinking, we remove friction from high-stakes moments like onboarding, loan applications and first notice of loss. ### Operations and Back-Office Automation Reconciliation, KYC reviews, claims triage and servicing requests still run on manual handoffs. We pair process redesign with AI-driven automation so operations teams move faster, with every decision logged and explainable. ### Governed AI and Model Operations We help institutions put machine learning and AI into production for underwriting, fraud detection and risk scoring, then keep those models monitored, validated and audit-ready around the clock through Managed Services for AI. ### Digital Banking and Self-Service Customers expect to manage accounts, policies and investments from their phone. We build secure mobile experiences that combine real-time data, personalized insights and custom AI assistants built through AI Product Development. ### Real-Time Data and Research Platforms In capital markets and research, data loses value by the minute. We build collaborative platforms that bring time-sensitive data and analysis to market faster, connecting cleanly to the legacy systems institutions still rely on. ### Core and Legacy Modernization We modernize core banking and policy administration systems step by step, using AI to map legacy business logic and open source, cloud-native architecture to replace it, reducing cost and risk without a big-bang cutover. ### Advisor and Agent Copilots We build AI assistants for relationship managers, financial advisors and insurance agents that surface next-best actions, summarize client history and prepare compliant recommendations, like the enterprise AI Sales Assistant we engineered for AXA. ### Intelligent Onboarding and Lending We streamline onboarding, KYC and credit decisioning with AI that reads documents, flags risk and speeds approvals, while keeping a clear audit trail for compliance teams and regulators. Client Stories ## Built on technology, shaped by human insight, validated by our clients. [View all work](/work.md) [![Octopus](https://cdn.sanity.io/images/ey850001/production/a90e5ad9ee3d9127e68d16458016bd6d15d52723-800x600.png?w=800&auto=format) Case study February 12 ### Octopus - Enhancing App Experience Through UX Insights Appnovation](/work/octopus-enhancing-app-experience-through-ux-insights.md) [![Prudental](https://cdn.sanity.io/images/ey850001/production/ead9935d05466e71507ab9d4f0379dc44f60a10c-800x600.png?w=800&auto=format) Case study March 4 ### Prudential - Optimizing Mobile App User Experience Appnovation](/work/prudential-optimizing-mobile-app-user-experience.md) [![Traveler with luggage watching a plane take off from an airport lounge](https://cdn.sanity.io/images/ey850001/production/fa9191e8a76a85c72b649475096e258d91f55a1c-1440x600.jpg?w=800&auto=format) Case study February 25 ### Integrating a scaled agile framework to transform digital banking development. Appnovation](/work/capital-one-enabling-corporate-agility-to-drive-better-digital-banking.md) [![Three colleagues reviewing something together on a laptop](https://cdn.sanity.io/images/ey850001/production/5b7ee0abd7e75b26ea54f4436f91520446fe3ff4-1441x591.png?w=800&auto=format) Case study October 7 ### Our Work: A Global Insurance Leader Appnovation](/work/global-insurance-leader.md) [![HSBC](https://cdn.sanity.io/images/ey850001/production/2d7666670d82d6a8ae7355d63a759a9e26282472-800x600.png?w=800&auto=format) Case study February 21 ### HSBC - Enabling Shift to E-commerce Appnovation](/work/hsbc-enabling-shift-e-commerce.md) [![AIA](https://cdn.sanity.io/images/ey850001/production/9eecb4ae555f666ffb8fc2da621d8fb097790b6f-1600x1200.png?w=800&auto=format) Case study July 28 ### AIA - Global Atlassian Platform Appnovation](/work/aia-global-atlassian-platform.md) What clients say > Appnovation's approach to communication is very much that of a bespoke concierge service; concerned as much with the old school care that facilitates relationships as it is with the paperwork that enables it. A perfect marriage of flexibility and comprehensive documentation creates a very rarely enjoyed truly consultative and accommodating approach to what is a truly mutually transparent relationship. Chris Poel IT Director · BMI Research BMI Research ## Related insights [View all insights](/insights.md) [![Appno in Action](https://cdn.sanity.io/images/ey850001/production/33b5499f28302f9b4e32d7022c065a226c5496fe-2880x1200.jpg?w=800&auto=format) Article October 1 ### Appno in Action: Transforming Data into a Revenue-Generating Platform for Financial Services Appnovation](/insights/appno-action-transforming-data-revenue-generating-platform-financial-services.md) [![Managed Services, AI, Gaurdrails, CIO](https://cdn.sanity.io/images/ey850001/production/078400d1a6b29283d4020e922308ff64f19ca85d-1296x510.jpg?w=800&auto=format) Article April 7 ### How to Govern AI Without Killing the Speed That Makes It Valuable Paul Crookshanks](/insights/how-govern-ai-without-killing-speed-makes-it-valuable.md) ## Get in touch with our Financial Services sector experts today.