Collect and integrate
We bring your siloed data together from the systems you already run and normalize it into one common language.
Platform
Practical AI solutions for community banks
Purpose-built applications designed for the realities of community institutions.
Where every engagement starts
Know your bank before you add AI§
Most banks run a core plus a dozen vendor systems and have no single picture of what lives where. Data Mapping & Discovery is a small containerized tool that documents your core, your data and how your systems connect, then turns that record into a plan. It is the first step in building out your institution’s data ontology, and the foundation every SmarterFI application is deployed on.
What a bank gets
- Your siloed data brought together
- Normalized into one common language
- The organizational inefficiencies that surface along the way
- A map of every system and how it connects
- A readiness score across seven areas
- A plan showing what stands between you and each application
We prefer to host Data Mapper in the Azure tenant dedicated to your bank; it can run inside your own environment if you need it to. No data-science team required on your side. It is the first application in the catalog below, and the one every other application reads from.
The Engagement
How an engagement runs§
Uncover the processes and the pain
We work alongside your teams, with the technology, to see how work actually moves through the bank and where it breaks.
Deploy against the top problems
Agents and products go live against the highest-priority issues first. One problem, one surface, measured.
Monitor and optimize
We watch what it does, tune it against what you see, and extend it to the next problem on the list.
Not a core replacement. Not a migration. Not a year of discovery before anything works.
Applications
Ten applications, one foundation§
Each solution operates independently. Deploy what your institution needs, when it needs it — and with two or more, the AI Consortium for Community Banks is included.
Every SmarterFI application starts here. Data Mapper maps your institution's data sources and names the source of truth for each kind of data, so every application reads from the right place. It brings the data spread across your core and vendor systems into one common language, shows how every field lines up, and flags what needs a person's judgment.
- A map of every data source and how it connects
- One named source of truth for each kind of data
- Siloed data normalized into one common language
- A person signs off every mapping decision
- A documented, exam-ready record of what lives where
Your executive intelligence layer. The CEO Co-Pilot delivers AI-powered strategic briefs, synthesizes complex data into actionable recommendations, and provides real-time insights tailored to your institution's priorities.
- Daily executive intelligence briefs
- Strategic scenario modeling
- Competitive and market analysis
- Board-ready reporting assistance
- Regulatory change impact assessment
Customer-facing financial guidance delivered under your bank's brand. Help your customers make better financial decisions while deepening their relationship with your institution.
- Personalized financial guidance
- Branded customer experience
- Spending insights and recommendations
- Goal-based savings assistance
- Proactive financial health alerts
Structured, AI-assisted workflows that transform month-end close from a stressful scramble into a controlled, efficient process with full auditability at every step.
- Automated reconciliation workflows
- Exception identification and routing
- Progress tracking and status reporting
- Audit trail documentation
- Deadline management and alerts
Protects community banks by detecting and controlling sensitive data shared with public AI tools, ensuring compliance and enabling safe AI use.
- Sensitive data detection and classification
- Real-time monitoring of AI tool usage
- Policy-based access controls
- Compliance reporting and audit trails
- Safe AI enablement for employees
Fraud and AML decisioning from the first application to the SAR. Every application, transaction, login and check is scored against your bank's own rules and explainable models. When the model is unsure, or the customer is too new to judge, the case goes to an analyst. A person makes the call; the co-pilot shows the evidence.
- Application fraud and synthetic identity checks at onboarding
- Transaction, login and check-fraud monitoring
- Uncertain cases referred to an analyst, not auto-decided
- Case management through to SAR and BSA e-filing
- Reads from the core you already run, read-only
Reads your vendor contracts and turns the commercial and risk terms into structured data, then checks every invoice line against those terms. Surfaces overbilling, renewal and notice deadlines, and the clause behind every flag.
- Contract terms extracted into structured data
- Every invoice line checked against its contract
- Overbilling surfaced
- Renewal and notice deadlines tracked
- The clause behind every flag
Sits on top of the loan origination system you already run. Document collection and completeness checks, tax-return spreading with K-1 tracing, a source-cited credit memo, compliance screening, and covenants watched after booking.
- Document collection and completeness checks
- Tax-return spreading with K-1 tracing
- Source-cited credit memo
- Compliance screening
- Covenants watched after booking
AI-assisted CIP/KYC account opening for consumer, sole proprietor and LLC accounts, on the web, on a phone or in the branch. The AI does the clerical work; a person, not the AI, approves or declines.
- Identity, document and selfie checks, with OFAC and fraud screening
- Your BSA policy as versioned rules: auto-approve low risk, route exceptions
- AI-drafted review notes with citations; the reviewer decides
- Books straight to the core, with an exam-ready CIP record
- Hash-chained audit trail of every step, AI call and decision
Your bank's policies and procedures, answered in plain language. Staff ask a question and get an answer drawn only from your own policy library, with the passage it came from and a citation they can open. Look up a customer or account in the core, and the answer applies the policy to that record. A person makes the call; the assistant shows the rule.
- Answers drawn only from your bank's own policies
- The cited passage behind every answer
- Policy applied to the live account from your core
- Works with Jack Henry SilverLake and Fiserv Premier
- An audit log of every question and answer
CEO Co-PilotDemonstration data, fictional institution
Underlying Technology
How the AI Operating System works§
Every application above runs on the SmarterFI AIOS — a governed, multi-agent platform with complete data isolation and institutional oversight. For teams that want the architectural detail, the full technical picture is one level deeper.
See how these solutions work for your institution
Schedule a personalized briefing to explore how SmarterFI's solutions address your specific challenges.