Aplicativos de IA para bancos e finanças pessoais

Aplicativos desta área de atuação

• Transaction Category Sorter

  Returns every pasted statement line tagged with a spending category and a confidence level.

• Merchant Descriptor Decoder

  Turns cryptic card descriptors into a readable merchant name, location and likely purchase.

• Statement Spend Breakdown

  Gives an adviser a short read on where a customer's money went and what to ask about.

• Financial Wellness Score

  Scores a customer's cash flow, savings buffer, debt load and resilience out of 100.

• Affordability Verdict Assistant

  Returns a Pass, Refer or Decline verdict on a loan request with every calculation shown.

• Adverse Action Notice

  Drafts a compliant loan decline letter built only from the reasons you supply.

• Credit Memo Drafter

  Turns raw borrower facts into a structured credit memo for the loan committee.

• Mortgage Offer Recap

  Explains a mortgage offer to the borrower in plain language with the dates they must not miss.

• Suspicious Activity Narrative

  Drafts the narrative section of a suspicious activity report from the alert facts you enter.

• Complaint Triage Router

  Classifies an incoming banking complaint by type, severity, vulnerability signals and owning team.

• Dispute Case Summary

  Condenses a card dispute into a five-line factual case file with the missing evidence flagged.

• Fee Jargon Explainer

  Rewrites cryptic bank charges and fee codes into plain sentences a customer understands.

• Account Notice Translator

  Translates a customer account notice into another language with every figure and deadline intact.

• Debt Payoff Sequencer

  Orders a customer's debts into a payoff sequence and shows the monthly outlay it implies.

• Savings Goal Planner

  Works out the monthly contribution needed to reach a savings goal and any shortfall.

• Onboarding Document Checklist

  Lists the identity, address, tax and source-of-funds documents this account opening needs.

• Arrears Call Script

  Produces a compliant collections call script tailored to one customer's arrears situation.

• Teller Question Desk

  Gives counter staff a short spoken answer to a customer question, based only on your policy notes.

• Card Product Matcher

  Ranks your own card range against a customer profile and names the best fit with its break-even spend.

• Open Banking Field Mapper

  Maps an open banking payment payload onto your internal schema and returns the mapping code.

• Sanctions Hit Adjudicator

  Returns a true match, discounted or refer verdict on one sanctions screening alert with the deciding field named.

• Customer Risk Rating

  Rates a customer's money laundering risk low, medium or high with the driving factors set out.

• Scam Intervention Script

  Gives a bank agent a live script to pause and question a payment that looks like a scam.

• Phishing Message Inspector

  Classifies a forwarded message as likely genuine, suspicious or phishing and lists the signals behind it.

• Recurring Charge Auditor

  Pulls every repeating payment out of a statement and flags price rises, duplicates and forgotten trials.

• Loan Covenant Extractor

  Extracts every covenant, test date and reporting duty from a pasted facility agreement extract.

• Credit Score Action Plan

  Turns a credit report summary into ranked actions with the effort and timescale each one takes.

• Remortgage Switch Comparison

  Compares the customer's current mortgage deal with an offered one and says whether switching pays.

• Business Cash Flow Read

  Reads an SME's monthly inflows and outflows and names the working capital risks to raise with the owner.

• Income And Expenditure Review

  Totals a customer's declared income and outgoings into a surplus or deficit and flags the figures that look wrong.

• Bereavement Response Letter

  Drafts a warm, accurate letter telling a bereaved family what happens next with the accounts held.

• Final Complaint Response

  Drafts a final response letter answering every complaint point and stating the redress offered.

• Monthly Budget Builder

  Turns income and fixed costs into a monthly budget with an amount set aside for each category.

• Household Bill Split

  Splits shared household bills between people and gives the settling-up transfer each one owes.

• Fund Factsheet Summary

  Condenses a pasted fund factsheet into what it holds, what it costs and what could go wrong.

• Investor Risk Profiler

  Scores questionnaire answers into a risk profile band and highlights answers that contradict each other.

• Regulatory Change Impact Note

  Turns a pasted regulatory extract into who inside the bank is affected and what has to change.

• Financial Promotion Review

  Reviews marketing copy for a financial product and returns a pass, amend or block verdict with fixes.

• Chargeback Reason Code Selector

  Picks the chargeback reason code that fits a dispute and lists the evidence the scheme will expect.

• Customer Call Note Builder

  Turns messy agent call notes into a clean case record with follow-up actions and risk flags separated.

• Fraud Recovery Action Plan

  Gives a scam victim an ordered plan of what to do first, who to notify and what evidence to keep.

• Pension Statement Explainer

  Explains an annual pension statement in plain words, including charges and what the projection assumes.

• Transfer Instruction Checker

  Extracts a payment instruction from a customer message and lists every detail still missing.

• Payslip Income Reader

  Pulls the verified income figures out of uploaded payslips and separates the pay a lender can count from the pay it cannot.

• Statement Red Flag Scan

  Reads a bank statement export and lists the patterns an underwriter or financial crime analyst will have to ask the customer about.

• Credit Agreement Key Facts

  Turns a consumer credit agreement into the handful of numbers and clauses the borrower actually needs to see.

• Portfolio Statement Digest

  Summarises an investment valuation statement into holdings, movement over the period and the charges quietly coming out.

• Self Assessment Walkthrough

  Walks a taxpayer through their own tax calculation line by line and shows exactly where the bill came from.

• Bank Detail Change Check

  Judges whether a request to change payment bank details carries the markers of an invoice redirection scam.

• Early Settlement Check

  Explains a loan or mortgage redemption statement and makes clear what paying it off now really costs.

• Valuation Report Conditions

  Extracts the conditions, retentions and re-inspection requirements buried in a property valuation report.

• Remittance Advice Decoder

  Works out why an incoming payment landed short by reading the remittance advice or payment confirmation.

• Receipt Expense Capture

  Reads a photographed receipt, assigns it an expense category and says whether it passes the spending policy.

• Cheque Detail Reader

  Reads a photographed cheque and flags the mismatches that would send it back unpaid.

• Screenshot Error Triage

  Turns a customer's screenshot of a banking app error into a plain cause and the next step for the agent.

• Asset Condition Photo Note

  Describes the visible condition of an asset offered as security and drafts the note for the credit file.

Perguntas sobre esses aplicativos

Um aplicativo pode seguir o nosso jeito de trabalhar?

Sim. Cada plano inclui uma quantidade de aplicativos que você pode personalizar, para que os campos e as instruções sigam a sua própria prática.

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Apenas o conteúdo que os campos pedem, como anotações, uma mensagem ou um trecho de documento. Não compartilhe mais dados pessoais do que a tarefa exige.

Podemos executar esses aplicativos a partir do nosso próprio software?

Sim. A API do Ultineo AI inicia qualquer aplicativo que o seu projeto pode usar e retorna a resposta quando a execução termina.