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Use Cases · Finance & Insurance

AI Agents for
Finance & Insurance

Reduce fraud, automate KYC and comply with GDPR, NIS2 and DORA using AI agents built with ISO 27001 from the ground up. Responses in hours, not days.

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Compliance: ISO 27001 GDPR NIS2 DORA
0% Reduction in undetected fraud in the first 6 months
0% KYC time: from 3–5 business days to hours
24/7 Continuous regulatory compliance monitoring

The financial sector lives a contradiction

Financial institutions process thousands of transactions per second, yet still rely on slow manual processes to detect fraud, verify customers and manage claims.

AI agents are not science fiction: they are the answer to that contradiction. But only when designed with security and compliance built into the architecture from day one, not bolted on later.

Without AI
  • KYC manual: 3–5 business days
  • Fraud: reactive detection
  • Claims: weeks of processing
  • Compliance: periodic audits
With Delbion AI
  • KYC: hours with full traceability
  • Fraud: blocked in milliseconds
  • Claims: automatic resolution for simple cases
  • Compliance: 24/7 monitoring

6 Production Use Cases

Each case includes the real problem, the agent architecture and measurable results

Banking / Fintech

Real-Time Fraud Detection

An agent that analyses transactional patterns in milliseconds, cross-references geolocation and historical behaviour, and blocks suspicious operations before damage occurs.

AI fraud detection visualisation: neural network analysing transactional patterns in real time

The challenge

Traditional fraud detection systems generate too many false positives (blocking legitimate customers) or too many false negatives (letting fraud through). Manual reviews do not scale and real-time fraud requires a response in milliseconds, not hours.

How the agent works

Real-time multimodal analysisGeolocation, device, historical behaviour and network patterns
Contextual risk scoringEach transaction receives a score based on hundreds of combined variables
Automated decision or escalationImmediate block, step-up authentication or human review based on threshold
Complete audit trailEvery decision documented for regulatory compliance and forensic review

Measurable results

-35%Undetected fraud in 6 months
<50msDecision time per transaction
-60%False positives vs previous system
PSD2 GDPR ISO 27001 DORA
Banking / Fintech

Automated KYC and Onboarding

An agent that reads and validates identity documentation, cross-references international sanctions lists and generates a customer risk report. The process goes from days to hours.

Automated KYC AI visualisation: identity verification and real-time risk analysis

The challenge

The manual KYC process involves reviewing identity documents, checking against OFAC/EU Sanctions lists, analysing sources of wealth and completing regulatory forms. With a human team, this takes 3–5 business days per customer. In a digital environment where customers expect a response in minutes, that is simply unacceptable.

How the agent works

Document extraction and validationID, passport, bank statements: OCR + authenticity validation
Sanctions list cross-checkOFAC, EU Sanctions, Interpol, PEP lists in real time
Automatic risk reportAML risk classification + approval or manual review recommendation
Continuous post-onboarding monitoringAutomatic alerts if the customer profile changes after approval

Measurable results

-90%KYC time (days to hours)
100%Sanctions list coverage
0Customers approved without audit trail
Human-in-the-loop: High-risk cases always go through human review. The agent automates the routine, not the complex.
AML/6AMLD GDPR ISO 27001 DORA

We went from reviewing KYCs in 4 days to having them approved before lunch. The compliance team stopped being a bottleneck and started being a business accelerator.

Chief Compliance Officer Mid-market financial institution, Spain
Insurance

Insurance Claims Management

An agent that performs automatic claims triage, collects policyholder documentation, resolves simple cases without human intervention and frees the team for complex cases.

AI insurance claims management visualisation: automatic claim classification with document analysis

The challenge

Insurers receive thousands of claims per month. 60–70% are simple cases that follow the same repetitive process: collect documentation, verify coverage, calculate compensation, approve payment. Yet each one goes through the same manual workflow as complex cases, generating weeks of waiting and unnecessary operational costs.

How the agent works

Automatic claims triageClassification by type, complexity and coverage in seconds
Intelligent documentation collectionThe agent requests exactly what is missing, without unnecessary bureaucracy
Automatic resolution of simple casesCoverage verification + compensation calculation + payment issuance without human intervention

Measurable results

60%Claims resolved without human intervention
-70%Resolution time for simple cases
+40%Team capacity for complex cases
Solvency II GDPR ISO 27001 IDD
Banking / Wealth

Personalised Financial Advisory at Scale

An agent that maintains full customer context, detects changes in their risk profile and adjusts recommendations in real time. Premium-quality service for the entire customer base, not just high-net-worth individuals.

AI financial advisory visualisation: portfolio analysis with personalised recommendations in real time

The challenge

Quality personalised financial advice has only ever been accessible to high-net-worth customers. Everyone else receives generic recommendations or limited robo-advisor services. Human advisors cannot proactively follow up thousands of clients simultaneously.

How the agent works

Dynamic customer profileGoals, risk tolerance, time horizon and life situation updated in real time
Profile change detectionThe agent automatically detects when the customer needs to revisit their strategy
Recommendations with auditable reasoningMiFID II compliance: every recommendation documented and justified for supervision

Measurable results

x10More clients per advisor actively managed
+28%NPS among clients interacting with the agent
100%MiFID II traceability per recommendation
Principle of least privilege: The agent only accesses the customer's financial data strictly necessary for each recommendation, with granular permission controls.
MiFID II GDPR ISO 27001 DORA

What convinced me was not the speed. It was that every agent decision was audited and explainable. That is exactly what the regulator demands under DORA and the EU AI Act, and we had it solved from day one.

CISO European insurer, 250+ employees
Compliance

Continuous Compliance Monitoring

An agent that reviews contracts, policies and procedures against GDPR, NIS2, EU AI Act and DORA requirements, detecting potential breaches before the audit.

AI compliance monitoring visualisation: continuous analysis of financial regulation and breach alerts

The challenge

Financial institutions operate under one of the densest regulatory burdens in the world: GDPR, NIS2, DORA (full application January 2025), MiFID II, PSD2, AML, AI Act. Compliance teams conduct periodic reviews but cannot monitor compliance in real time. Gaps are discovered during audits, not before.

How the agent works

Automatic regulatory mappingEvery internal policy and procedure mapped against each regulation's requirements
Real-time gap alertsWhen regulation changes or an internal process changes, the agent detects the gap immediately
Audit readiness reportOrganised evidence and prioritised gaps ready for the regulator

Measurable results

24/7Continuous regulatory monitoring
-65%Audit preparation time
0Gaps discovered for the first time in audit
DORA NIS2 GDPR ISO 27001
Insurance

Automated Insurance Underwriting

An agent that evaluates applicant risk, calculates the adjusted premium and issues quotes in minutes. The human underwriter focuses only on non-standard cases that deliver real margin.

AI automated underwriting visualisation: risk analysis and real-time premium calculation

The challenge

Traditional underwriting can take between 3 and 15 days per policy. The underwriter manually analyses medical history, financial records, geolocation data, background checks and applies actuarial rules. 70% of applications are standard cases that follow the same logic, yet they consume the same expert time as complex ones. The modern customer expects an immediate response.

How the agent works

Data ingestion and normalisationForms, medical history, public data, IoT (auto/home telemetry)
Actuarial model applied by the agentInsurer rules applied with explainable reasoning, not a black box
Automatic decision for standard casesQuote issued in minutes with Solvency II and IDD compliance
Intelligent escalation of complex casesThe human underwriter receives only non-standard cases, with all context pre-analysed

Measurable results

MinutesQuote time (before: 3–15 days)
70%Standard policies issued without human intervention
+22%Conversion from reduced waiting time
Regulatory explainability: Every decision includes the complete actuarial reasoning, required under the EU AI Act for high-risk systems in insurance.
Solvency II IDD EU AI Act ISO 27001

Why Delbion for finance

Not just AI. AI designed for environments where errors carry real regulatory and financial consequences.

Human-in-the-loop for critical decisions

Agents do not make autonomous credit, investment or claims decisions in complex cases. They assist and recommend. The professional retains full control.

End-to-end encryption of financial data

All customer data is encrypted in transit and at rest. We support 100% on-premise deployments where data never leaves the institution's perimeter.

Complete and immutable audit trail

Every agent action is logged: what data it accessed, what it reasoned, what it recommended. Evidence available for the regulator at any time, without manual reconstruction.

Specialist regulatory expertise

We know GDPR, DORA, NIS2, MiFID II, PSD2, AML, Solvency II. We do not need to learn your sector's regulatory framework: we already master it.

Integration with core banking and legacy systems

We connect with Temenos, Finastra, SAP Banking, Guidewire and legacy systems. The architecture adapts to your tech environment, not the other way round.

DORA operational resilience by design

Our agents are designed with DORA resilience requirements built in: business continuity plans, recovery testing and documented ICT risk management.

EU AI Act: mandatory training for your team

Article 4 of the EU AI Act requires all employees using AI systems to have adequate training. In force since February 2025, with full enforcement in August 2026.

Active legal obligation

Art. 4 EU AI Act requires AI training for ALL employees who use it. Non-compliance fines can reach 3% of global turnover.

FUNDAE covers 100% of the cost

Spanish companies can finance training with FUNDAE credit. Delbion courses are completely free for your company if you have employees in Spain.

Deadline: August 2026

Full enforcement of the EU AI Act arrives in August 2026. Financial institutions, using AI in high-risk processes, face the tightest compliance deadlines in the market.

View AI training courses

Certificaciones y marcos de cumplimiento

ISO 27001 Certified ENS Alto Compliant NIS2 Compliance GDPR Ready

Built by experts.
Validated by compliance.
Protected by law.

The people behind every technical, regulatory and business decision.

Carlos Salgado, CEO Delbion
Involved
Carlos Salgado
CEO · Founder, Delbion

"We have spent years protecting critical infrastructure. We now apply that same security rigour to Artificial Intelligence in the financial sector."

ISO 27001 · Critical infrastructure
Jacobo, AI Agentic Expert
Technical
Jacobo
AI Agentic Expert

"In finance, every millisecond and every trace of traceability matters. We design agents that act with precision and leave a complete record of every decision."

Autonomous agents · Multi-agent architecture
Bryn Bennett, Strategic Advisor GTM
Strategy
Bryn Bennett
Strategic Advisor · GTM

"The financial sector demands providers who speak its language: DORA, MiFID, Solvency II. We carry that language built into every proposal."

Go-to-market · Commercial strategy · Fintech
Aine Vidal, Data Protection Officer
Legal
Aine Vidal
Data Protection Officer · Compliance Lead

"The financial sector has the densest regulation in Europe. We design the architecture assuming the most demanding compliance level from the very first line of code."

GDPR · DORA · NIS2 · ISO 27001
Paul Godzinski, Chief Technology Officer
Technical
Paul Godzinski
Chief Technology Officer · Head of AI

"Our RAG models are deterministic. If the AI cannot ground its answer in verified data, it says so explicitly. In finance, there is no room for hallucinations."

RAG with source-anchored answers and full traceability · Minimal hallucinations

Frequently asked questions: AI in Finance & Insurance

Not in high-risk cases. Our agents are designed with the human-in-the-loop principle: they assist, analyse and recommend, but the final decision on complex operations always rests with the professional. For routine operations with clear criteria (basic KYC, simple claims), full automation is both possible and legal under current regulatory frameworks.

DORA (Digital Operational Resilience Act) requires financial institutions to manage ICT risks from third-party providers. Delbion provides: complete architecture and dependency documentation, service continuity plans, periodic resilience testing, classification of the service as a critical or non-critical ICT provider, and contracts with the specific clauses DORA requires.

Completely flexible: private cloud in the EU (GDPR and DORA compliant), hybrid infrastructure, or 100% on-premise within the institution's perimeter. For sensitive financial data, we recommend on-premise or sovereign cloud. Data never leaves the jurisdiction defined in the contract.

AI systems used in credit decisions, solvency scoring or insurance are classified as high-risk under the AI Act (Annex III). We design our agents to meet all requirements: documented risk management, verifiable robustness, integrated human oversight, transparency about capabilities and limitations, and registration in the EU database where applicable.

We have an incident response plan aligned with DORA and NIS2 timeframes. In the event of an incident: automatic containment within minutes, internal notification within 2 hours, and support for regulator communication within legal deadlines. DORA requires classifying and notifying significant ICT incidents within strict timelines. All forensic evidence is preserved in the immutable audit trail.

Yes. Article 4 of the EU AI Act requires all employees who use AI systems to have adequate training. This obligation has been in force since February 2025, with full enforcement in August 2026. Delbion offers specialised courses in AI applied to the financial sector, fully covered by FUNDAE credit for Spanish companies.

Free assessment

Ready to automate securely in finance?

1 hour of specialist consulting for the financial sector. Analysis of your use case, ROI estimation and compliance gap map (GDPR, DORA, NIS2). No commitment.

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