Densery
Banking
Where agents complete KYC, AML and loan files — examiner-ready.
An effectiveness standard is an evidence standard.
Examiners now ask whether your programme works, not whether it exists. That means producing, on demand, what was reviewed, on what basis, and what happened when it was wrong.
Agents complete the file; people take the exceptions
Reading, checking and writing-up done by the agent. People move to the exceptions.
Agents absorb work you already pay for
AML review is continuous, fully staffed and non-discretionary spend — none of it optional, none of it strategic.
Agents produce the proof as they work
Not whether your team reviews files correctly — how long it takes to prove that they did.
What agents complete here
First live process in under three weeks, written back into the core, the LOS or the case system.
KYC, KYB and onboarding
Agent checks identity, ownership and source of funds against policy — routed to a named analyst with the page attached when a gap remains.
AML and sanctions investigations
Agent assembles alert narratives and screening results with the lineage an examiner asks for — routed to a named investigator when the disposition is not clear-cut.
Commercial loan and credit files
Agent checks financials, collateral, guarantees and covenants and writes them into loan origination — routed to a named credit officer when a covenant does not reconcile.
Multilingual and mixed-script estates
Agent reads a Chinese registration, an English lease and a Korean guarantee as one file — EN/ZH, KO/EN, ES/EN — routed to a named reviewer when confidence on a translated field is low.
Why banks choose Densery
We don't drop a chatbot into your bank. We complete the file, write the entry and leave the evidence your examiner asks for.
Execution, not drafting
Hyperscaler agents draft for a human and stop. Densery writes the entry, and we sign up to accuracy and turnaround targets, and to what happens when the agent is wrong.
Residency, not a region setting
Air-gapped and on-premise are the ordinary case. The governance stack ships unchanged.
Multilingual by construction
Generic tooling reads a mixed-script file badly and reports no error. Densery scores every field and records the override.
Examiner-ready by design
Confidence scores, approval gates, immutable log, correction capture — evidence as a by-product of the work.
Bring your own AI
The AI your analysts already use can connect to Densery and inherit the ontology, the semantic layer and the approval gates — no new client to roll out.
Banking · Vietnam · on-premise
A top-tier Vietnamese bank, millions of customers — every document read inside its own walls.
What it proves
Loan applications and their supporting papers, appraisal files feeding credit decisions, and the back office's invoices and expense claims — read, checked against policy and routed by FlowAI workflows, on the bank's own hardware. The full governance stack runs unchanged inside.
Where else this applies
Any bank under a residency obligation — in Vietnam, Indonesia, Malaysia, Singapore, or a US or EU institution with the same constraint — has the same heavily scanned, mixed-format estate.
Auto & consumer finance
Funding packages, checked and written back.
Behind every car loan sits a vehicle registration, an insurance certificate, an identity card and a contract — photographed on a phone, in every format, checked by eye under a funding-time clock. And every month the State Bank and other authorities send compliance documents that have to be read and acted on, in dozens of layouts.
Densery reads each document, checks it against the contract and the policy, flags the mismatch with the page highlighted and writes the result into loan origination — at near-100% accuracy on files of 100 pages and more. Live today at the captive finance arm of a global automaker. The auto finance case →
Who this is for.
If your data can go anywhere and your documents are already clean and digital, you do not need us.
| Organisation | Size | Why |
|---|---|---|
| Commercial and retail banks | Millions of customers, or a document flow your team cannot staff further | Under a residency obligation from SBV, OJK, BNM, MAS — or a US or EU supervisor with the same expectation of evidence. |
| Auto, consumer and equipment finance | Continuous funding and compliance volume | Vehicle paperwork and regulator correspondence arrive every day, in every format. |
| Banks mid-merger or replacing a core system | Any scale, inside 12 months | A migration is a forced document-estate review with a budget attached. |
| Not a fit Digital-only banks with clean structured data | — | No document estate to solve; an in-house team will do. |
Bring twenty KYC or loan files. Leave with three numbers.
One process first, live in under three weeks, with the evidence from day one.