Agentic Banking: The secure layer for AI Agents to operate Finance

Agentic Banking is the technological layer that enables intelligent agents (AI) to go beyond mere "recommendations" to actually validate, decide, and execute real financial actions in a controlled environment. In practice, it functions as an Agentic Banking Infrastructure API that connects your AI with banking systems and financial data through permissions, traceability, and high-level security.

Artificial Intelligence (AI) has shifted from a futuristic promise to the operational engine of multiple industries. Its impact is felt from manufacturing to e-commerce; however, it is in the financial sector where its disruptive potential reaches a new dimension.

Finance is an environment intensive in data, risk, and regulation. Therefore, AI doesn’t just automate tasks: it transforms decisions and accelerates operations. In day-to-day operations, AI is used to:

• Optimize Risk: Machine learning models detect fraud with higher precision than traditional methods and predict credit defaults earlier.
• Personalize Experience: Conversational agents and recommendation engines offer hyper-personalized financial products in real-time.

Increase Operational Efficiency: Intelligent automation of back-office tasks such as account reconciliation and KYC (Know Your Customer) verification.

• Fraud Detection and Prevention: Models that analyze transactional behavior and alert anomalous events in real-time.
• Credit Scoring and Risk Assessment: Utilizing boosting models (such as XGBoost) to integrate non-traditional data points (online behavior, geographic data) for a more comprehensive risk profile.
• Automated Financial Advice (Robo-Advisors): Algorithms that manage investment portfolios based on the client's risk profile, optimizing asset allocation.
• Regulatory Compliance (RegTech): AI systems that automatically monitor transactions to ensure compliance with regulations such as AML (Anti-Money Laundering) and GDPR.

If you are moving from "analytics" to "execution," these three layers are key:

1. Explainability (XAI): The agent must be able to justify its decisions (rules, signals, limits).
2. Bias and Fairness: It is imperative to audit datasets and models to ensure decisions are fair and do not perpetuate historical socioeconomic or demographic biases.
3. Data Security and Privacy: Protecting sensitive data requires robust architectures that comply with the highest standards of encryption and anonymization.

A successful transition to an AI-powered infrastructure requires a gradual and methodical approach:

• Define Use Cases with Clear Returns: Choose 1–2 cases with obvious ROI (e.g., validation + payments / reconciliation).
• Create a Clean, Accessible Database: AI is only as good as the data feeding it. A solid data architecture is required.
• Adopt End-to-End Platforms: Use frameworks that allow building, deploying, monitoring, and governing AI models efficiently (MLOps).
• Develop Hybrid Talent: Combine data science expertise with deep financial business knowledge.

The future of AI in finance transcends simple predictive models. The next frontier is Autonomous Agents (or Intelligent Agents). An Autonomous Agent is an AI system capable of:

1. Perceiving its environment.
2. Making complex decisions without direct human intervention.
3. Acting to achieve a specific goal.

These agents promise the total automation of complex processes, from interbank liquidity management to the execution of advanced algorithmic trading strategies.

At Prometeo, we understand that the future of banking and FinTech is not just API-driven, but Agentic-driven. Agentic Banking is a technological layer that allows financial institutions to build and integrate intelligent agents securely, scalably, and in full regulatory compliance.

Our banking connection infrastructure provides the secure environment and necessary connections for these agents to interact with multiple data sources and banking systems efficiently, moving money and automating operations.

Our agent-based banking infrastructure connects artificial intelligence directly with financial systems in Latin America and the United States, so your company can have agents that:

• Access real bank accounts.
• Instantly validate bank account holder data.
• Perform local and international money transfers.
• Manage treasury control quickly and securely.

Whether through a personal assistant via WhatsApp or by connecting your agents via MCP (Model Context Protocol), your company will manage its finances through a seamless chat interface.

AI in finance is driving an operational revolution, moving the industry toward an efficient, ultra-fast model and creating immense opportunities for growth and disruption.

Institutions that invest today in the right infrastructure will lead the next decade of financial innovation.

If you want to take your company's financial operations to a level where practicality, speed, and security are the foundation for AI agents, contact us—we make it possible.