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Sovereign AI for
Financial Services
Score and stop fraud in milliseconds, cut customer churn before it costs you, and keep it all inside your own walls, governed and explainable. Predictive, generative, and agentic AI in one platform, in production at the world's largest financial institutions.
- H2O AI is the trusted Sovereign AI Platform for banking, capital markets, and insurance: you own your models, data, and results, and run them anywhere from the cloud to fully air-gapped.
- Commonwealth Bank of Australia cut customer scam losses 76% from their 2022 peak and reduced fraud losses 30% with H2O AI.
- A governed, explainable predictive core scores every transaction in real time and layers onto an existing fraud engine without a rip-and-replace.
- The H2O AI Super Agent automates KYC, disputes, and reconciliation end to end, with an audit trail built to clear model-risk review.
H2O AI delivers business value fast
- 01Reduce fraud and financial-crime lossesScore every transaction and channel in real time, stopping fraud, scams, and money laundering before the loss lands.
- 02Increase customer retentionSee churn coming and act on it in the moment, with real-time personalization that keeps your best customers.
- 03Accelerate lending and credit decisionsAutomate underwriting and credit-risk decisioning, moving from application to approval in hours, not days.
- 04Streamline compliance and regulatory reportingAutomate KYC, credit risk, and regulatory reporting with explainable AI that stays audit-ready by design.
“Every decision we make for our customers, and we make millions every day, we’re making those decisions 100% better using H2O.ai.”Andrew McMullanformer Chief Data & Analytics Officer, Commonwealth Bank of Australia
Key problems we solve for finance
Fraud prevention
Fraud, scams, and money laundering move at the speed of the payment, and anything caught after settlement is a loss you have already written off. Score every transaction, login, and transfer in milliseconds, and work each alert the moment it trips, before the money is gone.
Use the H2O AI platform to put a governed, explainable predictive core under your existing fraud engine, with a generative agent on top. The model scores risk in real time; the agent investigates and drafts the case, with a reason code your regulators will accept. Sovereign by design, layered on without a rip-and-replace.
Customer engagement
By the time a client asks to close the account, the decision is made. The signals came weeks earlier: quieter logins, a partial outflow, a cooler call, a life event that moved money. A save or the next offer, you win it only while it is live.
Use the H2O AI platform to score propensity and churn risk with predictive AI, then let a generative agent turn each score into a channel-appropriate message with a reason code you can stand behind. It scores the same customer the same way everywhere, and plugs into the CRM you already own.
Agentic automation
A dispute, a KYC file, a reconciliation break: today each one bounces between systems and people for days, the same data re-keyed at every stop. Set an agent on the whole path. It reads the intake, works the file end to end, and never drops it in a queue.
Use the H2O AI Super Agent to read the unstructured intake, assemble the file across your systems of record, and score it deterministically, every step on an audit trail a regulator will accept. Governed and explainable, built to clear model-risk review and run in production.
Use cases by department
Each part of the business has its own problems, data, and rules. Start with your department.
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Frequently asked questions
H2O AI scores every transaction, login, and transfer in milliseconds with a governed, explainable predictive core, then a generative agent investigates each alert and drafts the case with a reason code. It layers onto your existing fraud engine without a rip-and-replace. Commonwealth Bank of Australia cut customer scam losses 76% and fraud losses 30% with H2O AI.