Banking and Finance

Beyond the Hype for Banking and Finance:
Why a Hybrid Approach Outperforms General Models

Artificial intelligence is modernizing financial services, but not all AI is created equal.

While Generative AI and Large Language Models (LLMs) like Microsoft Copilot are captivating, they have limitations in environments where accuracy, explainability, and regulatory alignment are non-negotiable. Their statistical nature can lead to inaccuracies, making them ill-suited for the complex, language-rich reality of banking and finance.

That’s why many financial institutions are adopting a Hybrid AI approach, which combines the strengths of different AI technologies to achieve trusted, transparent, and domain-aware results.

Complex Language
Demands a Smarter Solution

The financial sector is built on language—from contracts and risk assessments to regulatory disclosures. General AI models struggle here because they lack the necessary precision to interpret finance-specific terminology, nuance, and edge cases. Their “black-box” nature makes it difficult to explain decisions, posing a significant risk for internal controls and regulatory compliance.

Financial leaders need purpose-built AI they can trust, which is why Hybrid AI is the smarter choice.

Four Proven Hybrid AI Solutions
for Banking and Finance

Hybrid AI blends symbolic AI (which leverages rules, taxonomies, and knowledge graphs) with machine learning, delivering safe and transparent decision-making results. expert.ai Hybrid AI for Instance delivers the best of different types of Artificial Intelligence without sacrificing rigour and adaptability. Importantly, it’s designed to handle the complexity and compliance needs of underwriting, claims and customer service.

Here are just a few examples of how expert.ai has delivered value using hybrid AI to insurers and carriers:

Enhanced AML & Fraud Detection

Financial institutions face strict regulations and evolving fraud. Expert.ai’s Hybrid AI analyses vast amounts of structured and unstructured data, including news and social media, to pinpoint “adverse news” that traditional systems miss.

Intelligent Automation of Lending

Manual, document-heavy processes like loan applications are prone to delays and errors. Expert.ai automates the extraction of key information from these documents, ensuring higher accuracy for risk assessment and a streamlined customer experience.

Personalized Customer Service

Customers expect intelligent, human-like interactions. Expert.ai’s Hybrid AI powers sophisticated virtual assistants that understand the true intent and sentiment behind customer inquiries, improving satisfaction and creating cross-selling opportunities.

Deeper Insights for Investment & Risk Management

Valuable information is often buried in unstructured data like analyst reports and news articles. Expert.ai identifies trends and sentiment from these sources, empowering financial institutions to make more informed decisions and achieve better returns.

Why Hybrid AI
is the Smarter Choice

Expert.ai’s Hybrid AI combines Symbolic AI (rules, taxonomies, knowledge graphs) with Machine Learning (pattern recognition, statistical modelling). This powerful combination handles financial language contextually, without bias or fabrication. The results are explainable and repeatable, making them ideal for audit, compliance monitoring, and high-precision tasks like clause extraction and sentiment analysis.

This approach empowers financial institutions to automate complex language tasks with high accuracy and sound governance, aligning with a strong risk posture.

Why Choose expert.ai
Out-of-the-Box Solutions?

Accelerated Time-to-Value

Launch your AI initiatives in weeks, not months. Proven pre-built solutions significantly reduce the time and resources needed to get up and running.

Unmatched Accuracy

Hybrid AI technology, combining symbolic and machine learning approaches, ensures a deeper, more accurate understanding of your data from the start.

Ready for Customisation

While our solutions are ready to go, they are not black boxes. They provide a solid foundation that can be easily customised to fit your unique business processes and data, giving you the best of both worlds.