KivvaTech
Banking & Finance

AI & Software for Banking and Finance

Faster decisions. Better compliance. Lower risk.

We build AI and software systems for banks, fintechs, insurers, and capital markets firms — fraud detection, credit decisioning, compliance automation, and customer-facing digital banking products that meet regulatory standards.

Industry challenges we solve

The real problems, not the ones that look good on slide decks.

Fraud detection at scale

Legacy rule-based fraud systems generate too many false positives, frustrating customers while missing sophisticated attacks.

Manual compliance workflows

KYC, AML, and regulatory reporting consume significant analyst time — slowing onboarding and increasing operational cost.

Slow credit decisioning

Manual underwriting creates days-long delays. Customers expect instant decisions; competitors are already delivering them.

Fragmented customer data

Customer data siloed across core banking, CRM, and third-party systems makes personalisation and risk scoring unreliable.

How we help

Proven solutions built on modern AI and software engineering, not off-the-shelf tools repackaged.

Real-Time Fraud Detection

ML models scoring every transaction in under 50ms — combining behavioural signals, device fingerprinting, and graph-based network analysis.

Automated KYC & AML

Document verification, sanctions screening, and AML workflow automation — reducing onboarding time from days to minutes.

AI Credit Decisioning

Alternative data models for instant credit scoring — expanding approval rates while maintaining or improving portfolio performance.

Risk Analytics Dashboards

Real-time portfolio risk monitoring, stress testing, and regulatory reporting dashboards for risk and compliance teams.

Conversational Banking

AI assistants for customer support, account management, and financial advice — deployed across app, web, and WhatsApp.

Data Platform Modernisation

Unified customer data platforms, real-time pipelines from core banking systems, and ML feature stores for model serving.

Results from the field

Concrete outcomes from real deployments, not illustrative scenarios.

60%

fraud reduction

Real-time transaction fraud scoring for a regional bank

Replaced rule-based system with ML scoring engine. False positive rate dropped 45%, fraud losses down 60%.

3 min

KYC completion

Automated KYC pipeline reduces onboarding from 3 days to 3 minutes

Document OCR, liveness check, and sanctions screening integrated into digital onboarding flow.

40%

more approvals

Alternative data credit model expands approval rates for fintech lender

ML model incorporating rental, utility, and payroll data improved approval rates without increasing default risk.

Technologies we deploy

AI / ML

XGBoostPyTorchscikit-learnGraph Neural Nets

Data

SnowflakeKafkaSparkdbt

Compliance

AlloyOnfidoComplyAdvantage

Cloud

AWSAzureKubernetesTerraform

Building AI for financial services?

We understand compliance requirements and regulatory constraints — not just the technology.

No commitment to start · NDA available on request · Senior engineers only