AI agents can act. But in banking, the harder problem is knowing what they should do. Today, we’re building Kemba; the Agentic AI Brain for financial institutions. Kemba gives financial AI the context, deterministic guardrails, and decision intelligence to determine the right action before it is executed. Banks won’t need fewer AI agents. They’ll need smarter decisions between agents and execution. We’re building that layer. #Kemba #AgenticAI #BankingAI #Fintech #AIInfrastructure @fdotinc

The banks winning with AI in 2027 aren’t the ones with the best models. They’re the ones with the best orchestration layer; one that gives AI agents memory, compliance guardrails, and the institutional context to act safely at scale. That layer is what we’re building at kemba.ai/ If you’re running AI in a bank, neobank and payment platform or investment firm let’s talk.

Santander developed “Model Arena” to evaluate open-weight models with NVIDIA for banking tasks. Using NVIDIA NeMo Customizer and NVIDIA Kumo to build specialised intelligence for core banking workloads. The collaboration also includes a new three-year framework covering foundation models, AI agents, fraud prevention, anti-money laundering, real-time decisioning, and banking digital twin development. linkedin.com/safety/go/?url=…

AI agents can act. But in banking, the harder problem is knowing what they should do. Today, we’re building Kemba; the Agentic AI Brain for financial institutions. Kemba gives financial AI the context, deterministic guardrails, and decision intelligence to determine the right action before it is executed. Banks won’t need fewer AI agents. They’ll need smarter decisions between agents and execution. We’re building that layer. #Kemba #AgenticAI #BankingAI #Fintech #AIInfrastructure

Flying banking intelligence Kemba.ai

Every bank CEO faces 3 choices: 1️⃣ Plug into OpenAI/Anthropic/Google/Meta; and risk disintermediation. 2️⃣ Build a castle, block APIs; and risk losing revenue & traffic. 3️⃣ Own the intelligence layer; model-neutral, governed, flexible. That’s where kemba.ai/ comes in: the Agentic AI Brain for banks, giving institutions control over the intelligence, governance, and orchestration of AI agents. The future shouldn't be choosing between AI adoption and control.

Banking’s next core system won’t be a core banking system. 🧠 APIs became the ground floor. Above them comes the intelligence layer where banks finally start to think. Banks don’t lack systems. Core banking, CRM, AML, risk, lending, treasury all hold pieces of the truth. -> The problem: fragmented intelligence. Data lakes and 360° customer views helped, but they still leave banks assembling context manually when decisions matter most. This is where MCP + an Enterprise Intelligence Layer changes the architecture: connecting systems, policies, workflows, risk signals and AI agents without replacing the underlying stack. That’s the layer kemba.ai/ is building for banks: reusable financial intelligence that helps AI agents reason, act and stay governed across banking operations. Models will commoditize. Trust, context, governance and decision intelligence won’t. The next decade of banking will be about optimizing decisions not replacing the core.

What should banks build themselves and where should they partner? Great discussion at Fintech Meetup Europe in Lisbon 🇵🇹, exploring how banks can innovate without losing sight of what matters most. Three key takeaways: 1️⃣ Play to your strengths. Banks have trust, data, scale, and customer relationships. The opportunity is to combine these assets with AI to deliver smarter, more personalized financial experiences. 2️⃣ Solve problems, don't chase hype. AI is a means, not an end. Banks need intelligence that turns AI models into reliable, governed agents capable of solving real banking problems. 3️⃣ Partner where it makes sense. Banks don't need to build everything from scratch. They can own their models and workflows while leveraging infrastructure that helps them deploy AI agents securely at scale. This is why we're building kemba.ai/; the Agentic AI Brain for banking, helping banks and neobanks orchestrate, govern, and coordinate AI agents across their operations. The future isn't about banks using more AI. It's about making AI work reliably for banking. #Banking #Fintech #AgenticAI #Kemba

→ The leaders build once and scale everywhere. @JPMChase, @CapitalOne, and @RBC remain the top three. Their edge? The data, infrastructure, and guardrails built around their AI models. → Guardrails are a competitive advantage. 80% of leading banks have sophisticated controls, compared with 40% of the rest. That advantage is helping them move AI agents into production faster. → This is exactly where kemba.ai/ is building: the Agentic AI Brain for banking, helping financial institutions orchestrate, govern, and coordinate AI agents securely across banking operations. Because the winners won't just deploy better models. They'll build the intelligence and guardrails that make those models reliable enough to act. → The AI layoff narrative also misses the bigger picture. Leading banks are reinvesting capacity into growth and hiring the talent needed to scale AI responsibly. Banking is becoming the blueprint for how large enterprises scale AI effectively. Congratulations to this year's top 10, and a special shout-out to @Citi and @TD_Canada on their return. The next competitive advantage in banking won't just be AI. It'll be the intelligence layer that makes AI work safely at scale. That's what we're building at kemba.ai/.

57% of financial answers from major AI models are wrong. For complex financial questions involving multiple calculations, that rises to 88%, according to research reported by the Financial Times. That’s the problem. Financial institutions don’t just need AI that can answer financial questions. They need AI that can reason through financial context, constraints, risk and outcomes before acting. kemba.ai/ is building that intelligence layer for banking AI. AI can generate an answer. Kemba helps financial institutions make a decision they can trust. ft.com/content/c0cd359d-df84…

Banks are investing heavily in AI. They are buying frontier LLMs like from @AnthropicAI . They are building proprietary finance-first models like @Revolut . They are deploying AI agents across the enterprise like @zafin . But a powerful model does "not" automatically solve the hardest problems in financial AI. It can still struggle with: → What the institution has already learned from millions of past decisions. → How different systems and data sources should be interpreted together. → Which internal policy should prevail when multiple rules conflict. → How a decision changes the bank's risk, liquidity, exposure or financial objectives. → What to do when multiple AI agents reach contradictory conclusions. → Whether a recommendation is actually optimal under the bank's constraints. → How to move from a plausible recommendation to a safe, accountable financial action. → How to continuously learn from the outcome of previous decisions. So the problem isn't simply: “Can our AI understand finance?” The bigger question is: “Can our AI consistently make the right financial decision in our institution and act on it safely?” That's the gap @Kemba20250127 is building to solve. - We don't replace your LLMs. - We don't replace your proprietary models. - We don't replace your deployed AI agents. →We make the AI you already built far more useful for financial decision-making. Because the future of banking won't be defined by who has the most AI agents. →It will be defined by who can make those agents work together, reason correctly, and produce better financial outcomes.

Carnegie Mellon University is the #1 AI and Computer Science program in the world. There’s a reason for that. It’s not a culture of chasing tech hype or building pretty wrappers. It’s a culture of hard engineering, rigorous mathematics, and building bulletproof, foundational infrastructure. When we set out to build Kemba, we knew we couldn't just build a basic AI chatbot. Financial institutions don't need another generic tool that hallucinatingly guesses answers. They need mission-critical operating systems. That’s why I am incredibly proud of what my co-founder and CTO; an elite Carnegie Mellon CS/AI Master’s graduate and former security developer has built. He didn't just build a tool. He built a monster product. Meet Kemba; the Agentic AI Brain for Banks, Neobanks, and Payment Platforms kemba.ai/. By orchestrating frontier models natively with a proprietary, deterministic Core, he has engineered a platform that solves for example one of the two biggest bottlenecks in enterprise banking like: * Zero Probabilistic Hallucinations: High-stakes corporate compliance, back-office reporting, and KYB are executed with absolute mathematical precision. * Context Memory: An ultra-optimized, secure pipeline that compresses manual, 2-week onboarding workflows down to under 4 minutes. When you pair elite CMU computer science with deep security development experience, you get an AI infrastructure layer that doesn't just do the work it governs it safely. The era of experimental AI wrappers is over. The era of deterministic enterprise infrastructure is here. @fdotinc