The renewal of this agreement marks a strategic shift from early experimentation toward large-scale deployment. By utilizing a hybrid AI approach—which blends natural language processing, knowledge graphs, and machine learning—the bank aims to maintain full transparency and explainability in its automated decision-making. These features are essential for navigating the complex regulatory landscape that governs European financial institutions today.

Expert.ai, which has operated in the sector for over three decades, provides tools designed for sensitive environments where data governance is paramount. Andrea Ricotti, SVP of Sales for North Europe at Expert.ai, noted that the bank’s decision highlights the necessity for responsible AI in banking. The technology will assist the institution in automating customer screening and competitive intelligence while ensuring that personal data remains protected through advanced anonymization techniques.