Industry · Licensed Banks

Real-time supervision and inclusive growth for licensed banks.

Meet real-time regulatory reporting SLAs, modernize KYC/AML, and onboard the next generation of banked customers with alternative data.

What we see

Where licensed banks hurt most.

01

Regulator demands real-time reporting.

Central banks require daily lending, deposit, and consumer-protection reporting. Legacy batch systems and overnight ETL cannot meet the SLA.

02

KYC/AML burden and sanctions exposure.

Manual onboarding checks inflate cost and friction; AML alerts pile up faster than compliance teams can clear them.

03

Underbanked customers turned away.

Bureau-based scoring rejects thin-file applicants; banks miss the next wave of digital-first customers in emerging markets.

What we deploy

Three modules, one risk engine.

Each module ships standalone and integrates end-to-end with the AF Infinity alternative-data engine.

01

Digital supervision & compliance

Automated regulatory reporting with full audit trails, connecting bank ledgers to central bank supervisory systems in real time.

  • Daily lending and deposit reporting
  • Consumer protection disclosure tracking
  • Audit-ready trail for supervisors

02

Real-time anti-fraud & AML

Device intelligence, behavioral biometrics, and sanctions/graph screening fused with KYC/AML workflows at onboarding and every transaction.

  • Synthetic identity and account-takeover detection
  • Sanctions and PEP screening with graph signals
  • AML alert triage with explainable scoring

03

Alternative-data credit scoring

Telco, e-wallet, and device-fingerprint signals scored with explainable models calibrated for thin-file bank applicants.

  • Coverage on applicants bureau scoring rejects
  • Explainable score reasons for credit committees
  • Sub-second scoring at decision time

Illustrative outcomes

What licensed bank teams measure.

100% Reporting SLA
-70% Compliance Cost
3x Audit Speed
+28% Approval Rate

Figures are illustrative and reflect typical outcomes reported by licensed bank clients. Actual results depend on portfolio and market.

Client outcome

An African licensed bank that turned compliance from cost center to advantage.

Licensed Bank · Africa

African Licensed Bank

Challenge

Regulator required real-time compliance reporting; legacy systems could not meet SLA.

Solution

Digital supervision platform with automated compliance tracking, audit trails, and real-time lending reporting to the central bank.

100% Reporting SLA
-70% Compliance Cost
3x Audit Speed

Case study is illustrative and based on anonymized engagement patterns.

Modernize your bank's supervisory and risk stack.

Book a working session with our compliance and risk team to map your reporting SLA to a digital supervision pipeline.

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