Deep data analysis
Financial statements, transaction patterns, registry data and case history — analysed automatically, in minutes, with the working shown. Spreads built, ratios derived, anomalies flagged before a human opens the file.
First layer in production · Full engine Q4 2026
Years of relationships. Millions of dots.
Connected.
Vincu AI is the intelligence layer on top of everything your bank already does in Vincu. Every request, document, decision and conversation — read, understood, and turned into analysis, foresight and the next right action.
Flag
Case #4128 likely to stall — reassign to Operations
Signal
Working-capital need expected in ~6 weeks
Draft
Reply prepared from the case record — review & send
Illustrative view — planned capabilities, releasing Q4 2026
The data was never the problem. The dots were never connected.
A bank already knows its customers — the knowledge is just scattered across files, systems and people's memories. Vincu holds all of it on one record. Vincu AI is what happens when that record can finally be read as a whole.
In production today
The first layer is already at work.
This isn't a roadmap promise. AI-assisted credit analysis runs in production at ProCredit Bank today, inside Vincu Decision — analysing real applications, end to end, with every run logged.
- A written recommendation, with the reasoning attached
- Eliminatory factors caught before committee
- Ratios, trends and risk grades derived automatically
- Registries and the open web cross-checked
- Every run logged, explainable and re-runnable
New application
Working-capital loan
financial-statements.pdf✓
registry extract✓
credit history✓
File complete — analysis starting
Analysing the whole file
DSCR
▼
DEBT / EBITDA
▼
CURRENT RATIO
■
REVENUE TREND
▼
Ratios derived · trends read · registries cross-checked
Recommendation
Decline
7 eliminatory factors · full reasoning and conditions attached
logged · explainable · human decidesre-runnable
Q4 2026 — the full engine
An analyst, a strategist and a concierge — built into the record.
Predictive, actionable items
Not dashboards — actions. A case about to stall. A document expiring next month. A repayment pattern drifting. Vincu AI surfaces what to do next, assigned to the right person, before it becomes a problem.
Customer relationship analysis
The whole thread of a relationship — years of requests, decisions and conversations — summarised into one living picture: health, history, exposure, momentum, and what changed since you last looked.
Next-product signals
When a customer's pattern says they'll need working capital before high season, the banker hears it first. Grounded in the real record, suggested to a human — never an algorithm spamming customers.
Chat in the customer portal
Customers ask in plain language — “Where is my application? What do you still need from me?” — and the answer comes from their own case record, instantly, in their language. Anything sensitive escalates to a person.
Ask the record
Staff query the portfolio the same way — “show me cases waiting on compliance longer than five days” — and get answers with sources, not exports. The record becomes something you talk to.
On-prem AI for large banks
For institutions where nothing leaves the building: the full model deployed inside your perimeter, on your hardware, under your keys. Maximum data security without giving up the intelligence.
Governed like everything else in Vincu
Every AI output is explainable, logged on the case record, and subject to human sign-off where it matters. Built for the same auditors and regulators as the rest of the platform.
One engine, every module
Intelligence that runs through the whole platform.
Decision
Deeper analysis, pre-built financial spreads, anomaly flags — recommendations that arrive with their reasoning attached.
Connect
The chat interface lives here. Customers ask; their own record answers. Fewer calls, faster answers, everything logged.
Vault
Documents read themselves: data extracted on upload, expiry dates tracked, missing papers requested automatically.
Flow
Cases route by content, not just category. Stalls are predicted before they happen, and workloads balance across teams.
Bond
Relationship signals feed loyalty: the moments worth recognising, surfaced from the record itself.
Deployment
Cloud for speed. On-prem for sovereignty.
Most banks will run Vincu AI as part of the managed platform. Large institutions with strict data-residency or sovereignty requirements can run the entire model on-premise — inside the bank's own perimeter, with no customer data ever leaving it. Same intelligence, your infrastructure, your keys.
- Full model deployed on your hardware
- No customer data leaves your perimeter
- Same explainability and audit trail as the managed platform
- [[CONFIRM: hardware requirements and sizing — engineering to specify]]
Q4 2026
The design-partner seats are limited.
We're building Vincu AI with a small group of banks that want to shape it. Early access, direct line to the engineering team, and your workflows on the roadmap.