Industries · Banking and finance
Who authorized that agent? A bank will have to prove it.
Banks will deploy AI agents in credit, collections, compliance and customer service before their supervisors know how to review them. Today, Unica records every act of an agent under the authorization of an identified person, in a signed record, in the bank’s own cloud account.
The problem
A bank already answers for every decision. Soon it will answer for its agents’ decisions too.
A bank already answers for every credit decision, every anti-money-laundering alert and every collection. When an agent approves a credit line, closes a complaint or negotiates a payment plan, the supervisor will ask the same question an executive is asked today: who authorized it, under which policy, and how it is proven.
Today that answer depends on the model provider’s logs. For internal audit, the external auditor or the supervisor, that is not enough. For a bank whose parent is in the European Union, from 2 December 2027 it is not enough for the AI Act either.
How it works
Four steps, all with a signed record.
Authorization
An identified manager authorizes the agent for one function. That authorization is revoked with immediate effect.
Today
Agent act
The agent approves, declines or escalates under that authorization, and each act stays tied to the person who gave it. Refusal of acts outside that authority comes in 2027.
Today2027
Signed record
Who acted, under whose authorization, and when. Every record is signed: a later alteration breaks the signature.
Today
Verification
Today, the signed record stays in the bank’s own cloud. Verification on one’s own machine, without access to Unica, comes with the verifiable evidence package: as a service in 2027 and as a product in 2028.
Today2027 service · 2028 product
Dates are projections of the current development plan, not commitments.
How it connects
The diagram, in text
- Systems: Core banking; Credit origination; Collections; Anti-money laundering; Customer service.
- In each system, an AI agent.
- Unica: Person who authorizes. Today: In the bank’s own cloud account. Today: Authorization per person, each act tied to who authorized it. Today: Immediate revocation. Today: Signed traceability, a signed record of each act. 2027: Refusal of acts outside authority.
- Evidence: 2027 service · 2028 product Verifiable evidence package.
- Who checks the record: Internal audit; External auditor; Supervisor.
Dates are projections of the current development plan, not commitments.
Where we are today
What is available today, and what comes next with its year.
Available today
- Authorization per person
- Signed traceability
- Immediate revocation
- Installation in the customer’s own cloud
2027
- Refusal of acts outside authority
- Proven erasure
- Model neutrality
- Installation by a local consultant
- First client with real data: 2027
2027 service · 2028 product
- Verifiable evidence package
- Contractual data residency
- Neutral witness of third-party agents
From 2028
- Reconstruction and explanations for affected people
- Partner operation in two jurisdictions
Dates are projections of the current development plan, not commitments.
Two limits today
Model residency
Strict model residency in Chile is not available today: the latest models are served from São Paulo. The data does stay in the customer’s cloud account.
Team size
Teipsum is a team of four people. Delivery is through local partners.
Use cases
The five advantages for a bank, each with its illustrative example.
Regulation
The dated rules that bear on banking, with a link to each rule’s page in the Regulation section.
Pilot
What a multilateral lender gains, the first step we propose to a bank, and what we ask in return.