AI · AI for financial services
Turn every transaction into insight, for your customers and your teams.
Cowally's AI cleans and categorizes every transaction, shows each customer their financial health, spots the moments that matter and the right next product, and gives each back-office team the insights it needs to act. It explains itself, and people decide what matters.
Why it matters
Raw data tells customers nothing.
"POS 4432" on a statement doesn't help anyone manage their money.
Customers stay where their money makes sense.
They open the app that helps them understand and plan, and leave the one that only shows a balance.
Teams find out too late.
The signals are in the data long before they show up in a monthly report.
What it does
Transaction intelligence
Every transaction is cleaned, categorized and enriched with the merchant and the category, building a complete picture of each customer's financial health.
Transactions · Ana GómezEnriched by AI
Spending by categoryJune
Budget · Groceries
$412,000of $600,000 this monthSavings goal · Trip
$2,560,000of $4,000,000Upcoming payments
Cash flow · North BakeryForecast by AI
Expected expenses are higher than expected income that week. Move a payment, or open a credit line in time.
Moments spotted this weekAI
Payroll deposits went up 18% for two months in a row.
Monthly transfers into a "Car" savings goal, now at 70%.
First sales coming in through QR payments.
Insights by teamAI
Suggested: accept bank statements as proof of income.
ReviewDismissBased on transactions and payment history.
See themTransfers that break the customer's usual pattern.
OpenNeeds approval from Risk.
ReviewDismissHow it works
AI that behaves like a careful colleague
It shows why.
Every suggestion says what it found, why it matters and which data it used.
People decide what matters.
AI recommends; sensitive decisions are approved by your team.
It sees the whole picture.
It works with the data of every part of the platform, not one team's silo.
It leaves a trace.
Suggestions, and the decisions taken on them, are recorded.
It's on only where you want it.
Each AI service is switched on per client and billed by use.
Every suggestion shows its work
What it found
Raising the score cutoff to 640 would reduce loans 60+ days late by 0.8 points.
What it's based on
Customer behaviour and loan book data.
What it would change
The consumer-loan rule, and the workflows that use it.
What you decide
Review or dismiss. If you go ahead, the change still needs approval from Risk.
What's recorded
The suggestion, the decision and who approved it, logged for audit.
- 1
What it found
Raising the score cutoff to 640 would reduce loans 60+ days late by 0.8 points.
- 2
What it's based on
Customer behaviour and loan book data.
- 3
What it would change
The consumer-loan rule, and the workflows that use it.
- 4
What you decide
Review or dismiss. If you go ahead, the change still needs approval from Risk.
- 5
What's recorded
The suggestion, the decision and who approved it, logged for audit.
Use it with Cowally, or on its own.
Use it from the back office, connected to every other part.
Your developers plug it into your own product.
See API By MCPYour people and AI agents reach it, with roles and rules.
See MCPQuestions about AI for financial services
Yes, inside your app and website, with your brand.
Yes. Your systems send transactions through the API.
No. It recommends and explains; your team decides what matters.
No. Each one is switched on per client and billed by use.
See your customers' data turned into insight
In one session we'll show your transactions categorized, a customer's financial health and the insights your teams would get.