FintechOS

FintechOS is an enterprise platform for banks and insurers to configure, price, launch and service financial products using governed AI, with a financial services copilot called Dex, agentic workflow orchestration and prebuilt product, pricing and servicing engines that sit over existing core systems.

FintechOS is an enterprise platform for financial product operations, aimed at banks and insurers that need to design, price, launch and evolve products without rebuilding their core systems. The pitch is a single backbone that spans configuration, pricing, origination, servicing and monitoring, exposed through 100 percent API coverage. The intended users are product managers, configuration consultants, pricing analysts and operations teams inside regulated institutions, plus the IT groups that support them. The centrepiece is FintechOS Dex, a copilot built specifically for financial services. Teams describe a product in plain language and Dex scaffolds the structure, including eligibility rules, pricing tiers and term logic. The same approach applies to multi-step workflows with branching logic and human-in-the-loop checkpoints, and to business logic such as scoring rules and decisioning trees. Agentic orchestration sits on top: specialised agents handle bounded tasks like document extraction, data validation and eligibility checks, while deterministic workflows carry the parts that must not vary. Guardrails, traceability and audit logs are part of the design rather than add-ons. Surrounding the AI layer are prebuilt engines for product and pricing, composable servicing (policy administration, loan administration, claims, compliance and audit operations) and a data core that decouples how data is accessed from the transactional systems beneath it. Product testing and validation run scenario simulations across segments, tiers and effective dates before release. Institutions can run these capabilities over an existing core or progressively replace pieces of it, which is the main argument against a full core replacement programme. FintechOS competes with core modernization suites and low-code banking platforms rather than with general-purpose AI tools. The site names customers including Howden, Admiral, Nationale-Nederlanden, ProCredit Bank Romania, Benenden Health, CEC Bank, Groupama and Societe Generale, which signals an enterprise sales model. Pricing is not published, and evaluation runs through a demo request rather than self-serve signup.