10 Best AI Tools for Enhancing Digital Banking in 2025

With customers demanding faster, smarter, and more personalised experiences, AI has become the driving force behind innovation in the banking sector.

However, despite AI revolutionising how banks operate and engage with customers, many banks seem resistant to change or unsure where to start.

To help you get started, we’ve listed the 10 AI tools for enhancing digital banking to improve how you operate while boosting customer engagement.

Let’s dive in!

10 Best AI tools for enhancing digital banking you should know about

Here’s a breakdown of our top picks.

AI tools	Best for/stellar feature
Meniga	Personalised digital banking and Data Consolidation and Enrichment solution
Velmie	Provides modular AI-driven digital banking platforms
Sopra Banking Software (SBS)	Provides API-first, cloud-agnostic modules
nCino	A loan origination, risk management, mortgage processing, and treasury services.
CR2	AI-powered identity verification tools.
Kasisto KAI	Conversational AI solutions that deliver personalised human-like interactions
Infosys Finacle	No-code AI model development, synthetic data generation, and bias detection
Temenos AI	AI capabilities across a range of features and services on the banking platform
Moneythor	Referral management
Personetics	Hyper-personalized, actionable insights and advice

1. Meniga — Personalised digital banking and Data Enrichment solution

Meniga is an all-encompassing digital banking solution that transforms raw transaction data into meaningful, personalised insights.

Thus, it enables banks to offer more engaging and customer-centric services.

Our solution consists of 3 core products:

Data Consolidation and Enrichment
Hyper-Personalised Insights, and
Financial Management.

Together, they help you elevate and modernise your bank’s digital environment.

Key features:

1. Enrichment

Data consolidation and enrichment enables you to consolidate transaction data from any internal or external source and enrich it with properties such as:

Categorisation — Meniga uses AI models, which continuously learn and adapt to customer behaviour, to enhance categorisation and improve the reliability of financial overviews.
Merchant details — Standardise merchant information by providing accurate names, logos, locations, and website URLs to reduce customer support costs.
Subscription identification — You can identify, track, and analyse subscriptions to help customers understand and optimise their recurrent spending.

This way, you get a 360-degree view of your customers’ spending habits and finances, making it easier to understand the full value of your transaction data.

2. Hyper-personalised Insights

Our product helps you handle the everyday struggles of financial institutions:

Underutilised data,
Lack of personalisation, and
Internal data silos.

Thus, you can go beyond surface-level data and deliver hyper-personalised insights with contextual communication tailored to each individual.

This micro-segmentation allows you to analyse customer behaviour granularly, while real-time processing ensures you can instantly identify and capitalise on the opportunities.

Our platform's intuitive design puts the power of data directly into your hands, empowering you to make informed decisions without relying on IT support.

In addition, our Insights product is backed up by our financial management module.

It empowers customers to take charge of their finances with a highly visual activity feed with:

Categorised transactions and user events,
Personalised insights
Spending reports,
Budgeting and planning capabilities, and more.

3. Cash flow forecasting

Our ML-driven Cashflow Forecasting helps your customers understand their balance history and projects future cash flow, improving financial literacy and management.

In addition to building awareness on recurring income and expenses, it can help customers avoid unnecessary fees associated with overdrafts and unpaid expenses with helpful and timely warnings.

Thus, it provides proactive warnings when the finances run low and clear recommendations on whether customers can safely save or spend based on their liquidity and upcoming transactions.

4. Open banking

Our solution provides seamless connectivity to leading open banking aggregators, giving banks a single, consistent API across multiple markets and eliminating the complexities of implementation.

By simplifying Open Banking, Meniga empowers you to:

Increase the ROI of your existing modules,
Improve customer acquisition and retention, and
Deliver a superior digital banking experience.

5. Smart Savings

Meniga offers intelligent savings solutions to help banking customers seamlessly grow their savings and increase deposits for banks.

This module consists of:

Gamified Savings Goals, where users can create pots of savings towards a specific target, such as a car, a vacation, or even an apartment.
Automated Savings Rules, where users can create rules that automatically move funds to savings when certain criteria are met. For example, they can tax certain spending categories or set aside a certain percentage of their salary.

2. Velmie — A modular AI-driven digital banking solution

Velmie is a FinTech provider that delivers customisable platforms combining back-end services, mobile apps, and web portals.

It integrates with various financial ecosystems, such as Synctera, Marqueta, Thunes, and many others.

Key features:

Business banking platform — Has a modular architecture which allows customisation services like payments, lending, FX, crypto transactions, and invoice factoring.
Mobile banking app — Combines AI, blockchain, and analytics to deliver intelligent budgeting tools, peer-to-peer payments, and real-time spending insights.
White-label capacity — Enables you to issue branded cards, offer savings and loans, facilitate domestic and cross-border transfers, and onboard users digitally. It includes role-based access control (RBAC), audit trails, strong customer authentication (SCA), AML/KYC compliance, and reporting tools.

Customer insights — AI analyses transaction data to provide real-time spending breakdowns and personalised financial recommendations.

Sopra Banking Software (SBS) provides cloud-native, modular banking platforms to help financial institutions:

Digitise operations,
Enhance customer experiences, and
Adopt open finance.

Thus, it offers services ranging from banking, lending, compliance, payments to consumer and asset finance.

Key features:

Banking platform — Provides API-first, cloud-agnostic modules for accounts, payments, lending, and compliance.
Client rating tools — leverage AI and ML to help you assess creditworthiness using alternative data and predictive analytics.
Customer engagement tools — Use AI-driven insights and real-time data to personalizóse experiences, optimise interactions and boost acquisition. You can consolidate accounts, customise categories, and access smart financial insights to enable data-driven decisions.
Open banking — Get access to pre-built APIs adhering to open banking standards to facilitate secure data sharing and personalised customer journeys.
Fraud prevention — Monitor suspicious transactions, identify unusual account activity and fraudulent documentation, and prevent money laundering in real time.

4. nCino — A loan origination and risk management solution

nCino specialises in cloud-based banking solutions to streamline operations, enhance customer experiences, and improve transparency for financial institutions globally.

It’s built on Salesforce's platform, thus providing integration with legacy systems.

Key features:

nCino IQ — An AI-powered platform that automates creditworthiness evaluations for faster approvals, uses predictive analytics for portfolio risk assessments, and provides personalised financial recommendations based on data analysis.
Bank operating system — An end-to-end solution integrating loan origination, enterprise content management, CRM, data analytics, and treasury management.
Generative AI banking advisor — Provides personalised financial advice and automates customer inquiries across channels.
Continuous credit monitoring — Provides real-time, data-driven insights for proactive risk monitoring across the credit lifecycle while leveraging automation and augmentation to streamline risk management.

5. CR2 — A financial inclusion solution for underserved regions

CR2 provides digital banking and payment solutions across multiple regions, including Dubai, Jordan, Egypt, India, and Australia.

It specialises in providing banks and financial institutions with innovative tools to enhance customer experiences, streamline operations, and drive financial inclusion.

Key features:

BankWorld platform — A modular platform that integrates digital banking, digital wallets, and a payments hub and supports omnichannel engagement across mobile apps, internet banking, ATMs, POS systems, and chatbots.
Omnichannel engagement — Allows customers to start a transaction on one channel and complete it on another.
Customer onboarding automation — Leverages AI-driven identity verification tools, such as Document type identification, OCR, face matching, etc.
Personalised customer engagement — AI analyses customer behaviour to deliver tailored financial recommendations, while predictive analytics optimises user journeys and product offerings.

6. Kasisto — A conversational AI provider for the financial industry

Kasisto is a provider of conversational AI solutions for the financial services industry.

It specialises in creating intelligent, human-like digital assistants for banks and financial institutions.

Its flagship product, KAI (Kasisto AI), is a conversational AI platform that enhances customer engagement and streamlines operations.

Key features:

Conversational AI — Powers virtual assistants and chatbots that deliver personalised, human-like interactions across multiple channels, including mobile apps, web platforms, messaging platforms, and IoT devices.
Banking-specific expertise — KAI is pre-trained on financial terminology and workflows, enabling it to provide accurate and context-aware responses. It supports retail banking, corporate banking, investment management, and wealth management use cases.
Omnichannel integration — Allows users to start a conversation on one channel and continue it on another without losing context.
Customisation capabilities — Offer self-service tools for institutions to customise workflows, responses, and integrations.
KAI Answers — A tool that helps bankers locate and interpret complex financial documents such as policies, regulatory filings, and procedures.

7. Infosys Finacle — Data foundation and no-code AI platform

Infosys Finacle is a digital banking software suite that provides global core banking, payments, wealth management, treasury, analytics, AI, and blockchain solutions to financial institutions.

Finacle introduced its Data and AI Suite, a comprehensive platform that helps banks integrate AI across their operations and accelerate their enterprise AI journeys.

Key features:

Finacle AI platform — Empowers banks to build, train, deploy, monitor, and optimise financial solutions from a unified interface. It includes a library of pre-built use cases tailored for banking processes.
Finacle Knowledge AI assistant — Extracts information from document repositories using natural language processing (NLP).
Finacle Support AI assistant — Automates ticket resolution for support teams.
Finacle app center — Gives access to tools and apps to help you engage customers with natural language interfaces.

8. Temenos AI — Responsible AI practices and banking-specific customisation

Temenos AI is part of the Temenos Banking Platform, and it provides AI practices that combine transparency, security, scalability, and bank-specific expertise.

It is available with all Temenos software via interface or APIs delivered on-premise, in the cloud or as a SaaS offering.

Key features:

Generative AI for data queries — Temenos enables you to interact with data using natural language queries, generating instant insights and reports..
Explainable AI (XAI) —Tailors financial products based on real-time customer behaviour.
Generative AI for personalisation — Offers relevant products and services by analysing customer preferences and transaction histories.
Financial crime mitigation — GenAI identifies patterns in financial crime alerts, catalogs intelligence quickly, and pinpoints root causes of suspicious activities.
Corporate lending optimisation — AI-powered tools streamline credit decision-making for corporate loans by analysing global credit trends.

9. Moneythor — Personal financial management (PFM) solution

Moneythor is a Singapore-based software company that specialises in data-driven, personalised, digital banking solutions.

It primarily focuses on aquisition, referral management and gamification tools.

Key features:

Referral dashboard — Enables you to track the progress of referrals, noting any successful conversions, and staying updated on the latest developments or changes in the referral program.
Progressive incentives — Allows you to implement behaviour-driven incentives, including bonuses, discounts, or other perks.
Real-time nudges — Keep both the referrer and referee engaged throughout their journey with nudges such as personalised messages, progress updates, etc.
Gamified loyalty campaigns — Allow you to incorporate gamification elements such as interactive games, captivating quests, and stimulating challenges.
Customer activation management — Increase product adoption and usage with personalised and contextual experiences throughout the user journey.
Spend tracking & notifications — Enable you to create visuals of the customer’s spending patterns, offering them an overview of their financial habits.

10. Personetics — AI-Powered customer experience solution

Personetics is an AI-driven solution for financial institutions, helping banks and fintechs deliver personalised, actionable insights to their customers.

It specialises in transforming digital banking experiences through Self-Driving Finance capabilities and customisable engagement tools.

Key features:

Automated money management — Provides real-time visibility into finances, automates savings, debt payoff, and investment recommendations.
Proactive insights — Delivers predictive alerts about upcoming bills, overdraft risks, or spending trends to help customers make smarter financial decisions.
Financial recap — Provides an Instagram-like summary of weekly spending trends, forecasted balances, and personalised CTAs.
Custom user journeys — Enables banks to create dynamic flows that adapt in real-time to customer preferences, delivering tailored financial guidance and product recommendations.
Customer engagement — Offers interactive tools like gamified challenges and custom rewards programs.

Why opt for Meniga?

All the AI tools for enhancing digital banking we’ve listed earned their place on our top list: SBS’s API capabilities, Temenos’s customisation capabilities, Kasisto’s conversational AI, and so on, can all be great assets to your financial organisation, depending on your budget and needs.

However, Meniga stands out with its exciting customer-centric features for a more personalised digital experience.

With Meniga, you can:

Ensure peak performance by optimising infrastructure and proactively identifying issues through effective system monitoring.
Develop and deploy new features faster by adopting a modular architecture.
Consolidate and analyse customer data from any bank or financial institution and combine it with your own to provide a hyper-personalised experience.
Create and maintain sustainable revenue growth through targeted digital sales, deposit growth, and by slashing costs,
Minimise customer support burden by giving customers more transparency on their transactions.

Ready to engage with customers in a proactive and timely manner?

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