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Thank You: Leading AI adoption in Banking

Thank You
Webinar on demand: Leading AI adoption in Banking: Integrating AI that you can defend, explain and trust

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Leading AI adoption in Banking

On-Demand Webinar

Leading AI adoption in Banking: Integrating AI that you can defend, explain and trust

Artificial Intelligence is rapidly becoming a strategic imperative for banks, but successful adoption requires more than implementing new technology. It demands robust strategy, clear governance, and a focus on delivering measurable business value.

Provenir’s Senior Data Scientist, Jiale Cheng, discusses how financial institutions can accelerate AI adoption in a way that is explainable, defensible, and aligned with evolving regulatory expectations.

Key Takeaways
  • Why AI adoption is fundamentally a leadership decision, not just a technology project
  • Where AI is delivering measurable business outcomes across banking functions
  • The governance questions every senior executive must be prepared to answer Managing machine learning risks, GenAI failure modes, and assurance requirements
  • Building AI literacy across the organisation and preparing for EU AI Act obligations, including Article 4
Whether your institution is scaling AI initiatives or building the foundations for broader adoption, this session will provide practical guidance for integrating AI that customers, regulators, boards, and business leaders can trust.
Please Fill Out the Form to View the Video

Speakers

Jiale Cheng

Jiale Cheng

Provenir

Senior Data Scientist

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EVENT Bucharest

Transforming customer lifecycle with Al

Transforming customer lifecycle with Al

Practical insight into how Al innovations can transform credit management and customer lifetime value
  • 3rd November
  • Marmorosch Hotel, Bucharest
  • 9:00–12:00

Join us for transforming customer lifecycle with AI, a morning session on how AI, data and real-time decisioning can help banks increase customer value, reduce dormancy and improve lifecycle engagement.

Experts from Provenir, Biroul de Credit and TBI Bank will do a deep dive into the challenges facing banks today, including customer management, changing regulation, and reduced customer loyalty.

AGENDA

  • 09.00:

    Welcome, coffee & networking
  • 09.30:

    Opening & Introduction
  • 09.45:

    Transforming the Credit Management Experience with AI | Richard Cowley, Director of PreSales at Provenir
  • 10.25:

    CCD II: Using Data for Affordability, Explainability and Compliant Decisioning. Cristian Racu, CEO at Biroul de Credit SA
  • 10.45:

    Coffee Break
  • 11.00:

    Risk at the Speed of Retail- The TBI – Provenir Story. Costin Mincovici, CRO at TBI bank.
  • 11.20:

    Customer Lifetime Value Transformation | Matt Hubbard, Principal Consultant at Provenir
  • 11.50:

    Closing reflections and key takeaways
Meet with us onsite!

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IDC Report 2026

Report

Provenir has been positioned in the Major Players Category in the IDC MarketScape

Worldwide Decision Intelligence Platforms 2026 Vendor Assessment (Doc #US54118426, September 2026). This is the second assessment in which IDC MarketScape has named Provenir a Major Player in this market, following the 2024 edition.

IDC MarketScape evaluated vendors supporting decision design, decision engineering, and decision orchestration across industries including financial services, insurance, government, manufacturing, and retail. We believe the 2026 assessment also reflects the growing role of generative and agentic AI in how decision logic is authored, tested and explained, alongside continued human oversight.

For financial services providers, that raises the standard for decisioning infrastructure. Strategy needs to change quickly, and teams need confidence in how a change will perform before it reaches customers. Decision logic scattered across legacy engines, AI models risk teams cannot fully see into, and governance handled after the fact all slow that work down.

The excerpt shows why Provenir was named a Major Player. The IDC MarketScape identified the following strengths:

  • Unified low-code platform: Provenir brings together decisioning, data orchestration, model orchestration, simulation, and case management in a single cloud-native environment, reducing reliance on separate point solutions for related decisioning functions.
  • Breadth of the data marketplace: The vendor’s marketplace includes more than 150 prebuilt integrations with third-party data and analytics providers, and new integrations are typically turned around in about two weeks, shortening timelines that can otherwise stretch to several months.
  • Platformwide AI assistant: A generative AI assistant operates across dashboards, model building, and documentation functions platformwide, providing conversational access to insights, recommendations, and translated documentation regardless of which page a user is working from.

We believe the IDC MarketScape recognition reflects what Provenir’s platform is built to do: give teams one environment to design, test, deploy and improve decision strategies, with data, AI, simulation and governance working together.

Provenir maintains a deliberate focus on financial services and adjacent sectors, including banking, fintech, embedded finance, automotive finance, telecommunications, retail and ecommerce, and insurance. See how the platform supports each of these industries.

Download the excerpt below for the IDC MarketScape evaluation of Provenir, including its guidance for technology buyers evaluating decision intelligence platforms.

IDC-Report

Please Fill Out the Form to Download the Report

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BLOG Bharati Fernando

How to Change a Decisioning Model Without Raising a Ticket

How to Change a Decisioning Model Without Raising a Ticket

Reframing the Question

“Change a decisioning model without raising a ticket” reads at first as a request to bypass governance. A more productive reading treats it as a question of design: why does the ticket exist, and must the controls it represents continue to be administered through a change-management process that sits outside the decisioning environment?

In enterprise decisioning, governance serves a defined set of objectives. Changes must be attributable to an identifiable author, reviewable before they take effect, and testable against expected outcomes. Organisations must control who may make them, understand their downstream impact, and preserve a path to intervene when behaviour diverges from intent. These requirements are most acute where decisioning determines credit eligibility, pricing, fraud intervention and customer treatment, and where a poorly governed change can affect large populations before it is noticed. Traditionally, those objectives have been pursued through volume: sequential sign-offs and a uniform review applied to every change regardless of its risk. Yet rigour derives from what is actually examined, not from how many people approve it. An optimised model keeps the same requirements, namely documentation, testing, traceability and accountability, but applies them in risk-based tiers, so that the safeguards remain while the friction falls and speed ceases to be traded against safety. The ticket, on this view, is only an administrative instrument, separate from the control objectives it was introduced to satisfy.

Why This Matters More as Decision Intelligence Matures

That distinction grows more consequential as decision intelligence matures. The 2024 Gartner CDAO Agenda Survey found that a third of organisations have implemented decision intelligence, the practice of combining data, analytics and AI into decision flows that support or automate complex judgements. Gartner has since predicted that by 2027, half of business decisions will be augmented or automated by AI agents for decision intelligence. As greater intelligence enters the decision itself, the mechanisms governing changes to decisioning logic deserve comparable scrutiny.

Moving Control Inside the Platform

Provenir illustrates how much of that control can reside inside the decisioning environment rather than around it. Business teams configure, test and deploy decision logic directly, while the workflow remains auditable and version-controlled. Champion/challenger capabilities allow competing strategies to be evaluated, including against live data, before broader release. Configurable rules determine when a change must halt for manual review. Each capability reconstitutes something the ticket was there to guarantee: a record of what changed, a means of comparing outcomes, and a defined point at which human judgement is required.

From Operational Fix to Strategic Advantage

Framed strategically, removing the ticket is less an operational tidy-up than a shift in business model and in where competitive advantage sits. A decisioning model is rarely a durable advantage in itself, since techniques are published and comparable capabilities can be bought; what resists imitation is the organisational capacity to change decisioning logic rapidly and safely at scale, a dynamic capability through which a firm continually reconfigures its decision rules as conditions shift. Because that capacity emerges from many interacting elements, among them platform configuration, version-control discipline, champion/challenger routines and calibrated permissions, rivals cannot easily identify what produces the superior rate of safe change. That causal ambiguity is itself a barrier to imitation, and it turns a faster, safer change process from a passing operational gain into a defensible position: the decisioning function moves from issuing individual decisions to compounding many governed, evidence-tested changes into a lead that later entrants struggle to catch.

Oversight Is Shifting Too

This reframes oversight itself. Interpretability and explainability have increasingly shifted governance from after-the-fact audit toward continuous, built-in accountability. Where oversight once rested on testing outcomes and trusting that a model worked, it now tends to require evidence of why it works: documented feature importance, decision logic and traceable reasoning behind each score or flag. Governance frameworks increasingly expect explainability artefacts alongside performance metrics, among them model cards, decision logs and plain-language justifications that legal, compliance and audit functions can read, not only statisticians. That widens the table, drawing risk, compliance and legal teams into model changes earlier because they can understand what is being altered, and it makes each update something the organisation can defend rather than merely deploy. The economics point the same way: McKinsey’s March 2025 State of AI survey found CEO oversight of AI governance among the factors most correlated with higher self-reported bottom-line impact from generative AI, positioning governance less as a constraint on value than as a condition of it.

Where Governance Belongs

For decisioning, the implication is that governance belongs in the design and operation of the platform itself, with auditability, version control, testing, permissions, monitoring and defined points of human intervention embedded within the decisioning lifecycle rather than administered beside it. Removing a ticket is legitimate only once the control it represented has demonstrably been accounted for elsewhere. Where that condition is met, the firm has not simply deleted a step; it has relocated a source of advantage into a capability that rivals find difficult to observe, and harder still to replicate.

The maturity of a decisioning capability should therefore be assessed on more than the speed and accuracy of individual decisions. An equally telling measure is whether decisioning logic can be modified efficiently while the standards that govern those modifications hold, and whether that combination is distinctive enough to constitute strategic advantage rather than mere operational convenience.

Bharati Mohan

Bharati Mohan

Written By

Vice President, Global Applied Intelligence, Provenir

Fernando

Fernando Moreno Fernandez

Written By

Vice President, Global Applied Intelligence, Provenir

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PR Chartis

Provenir Named a Category Leader by Chartis Research in Fraud and Credit Portfolio Management

Provenir Named a Category Leader by Chartis Research in Fraud and Credit Portfolio Management

Independent recognition across both credit and fraud underscores the breadth of Provenir’s Decision Intelligence Platform, from origination through the full customer lifecycle.

[PARSIPPANY, NJ – September 21, 2026] – Provenir, the Decision Intelligence Platform for financial services providers, today announced it has been named a Category Leader in two 2026 Chartis RiskTech Quadrant® reports: Enterprise Fraud Solutions and Credit Portfolio Management Solutions – independent confirmation that a single decisioning platform can lead across two traditionally separate risk domains. Chartis further recognized Provenir, including with Best-of-Breed placements, in four additional quadrants spanning the rest of the credit and fraud landscape, from retail and alternative lending through wholesale credit and payment fraud.

Chartis Research is the specialist analyst firm for risk technology in financial services, and its RiskTech Quadrant® reports are widely regarded as a benchmark for the industry.

“Provenir’s primary differentiator is its flexibility,”

said Philip Mackenzie, Research Principal at Chartis.

“Configurability was emphasized across data, orchestration and analytics, resulting in a highly adaptable solution. This combined with its broad fraud coverage led to its positioning as a Category Leader in the Chartis Enterprise Fraud RiskTech Quadrant and Enterprise Solution in the Chartis Fraud Platforms Quadrant.”

David Mirfield, Chief Product Officer at Provenir, said:

“This recognition reflects how our customers actually use the platform, extending decisioning well beyond new-loan approvals into revenue expansion, ongoing risk monitoring, and collections for the customers they already have. As economic conditions push more institutions to focus on the health of existing portfolios, that full-lifecycle capability is where we see the most demand.”

Provenir’s placement as a Category Leader in credit portfolio management validates the company’s expansion beyond new-account originations to support financial services providers across the full customer lifecycle. That momentum extends across industries and risk domains as well, with growing adoption in telco, auto finance, and AML/CFT use cases.

Provenir will also be featured in the Chartis RiskTech100®️ 2027, the analyst firm’s annual ranking of risk technology providers, when it publishes on September 24, 2026.

About Chartis Research:

Chartis Research is an independent research and advisory firm that provides market intelligence, analysis and benchmarking on risk, compliance, governance and financial technology. Its reports and vendor assessments deliver actionable insight to help institutions evaluate solutions, manage risk, and make strategic technology and vendor selections.

About Provenir:

Provenir is the unified Decision Intelligence Platform for enterprises and institutions. One decisioning environment consolidating data, AI models, intelligence, agents and governance. Business-configured. Enterprise-grade reliability. Trusted by 120+ institutions processing 4+ billion decisions annually across 60+ countries.


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Chartis Credit Risk Management Solutions 2026 – Quadrant Update

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Chartis Enterprise and Payment Fraud Solutions 2026 – Quadrant Update

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Telco EBook

How to Grow a Thriving Telecom Business in the Global Market Amid a Shifting Macroeconomic Climate

Ebook

How to Grow a Thriving Telecom Business in the Global Market Amid a Shifting Macroeconomic Climate

Telecommunications providers worldwide are navigating one of the most complex operating environments in decades. Economic growth remains uneven across regions, geopolitical tensions continue to disrupt supply chains & investment plans, consumer affordability pressures persist and competition is intensifying from both traditional and non-traditional players.

At the same time, demand for connectivity has never been higher. Mobile technologies generated approximately $6.5 trillion in economic value globally in 2024, and the industry is expected to play an even larger role in powering AI, cloud computing, enterprise digitization and next-generation digital services over the coming decade.

For telecom operators, the answer is not to wait for conditions to improve. The companies that emerge strongest will be those that can identify profitable customers more accurately, reduce fraud, optimize risk strategies, accelerate decision-making and adapt to market changes faster than competitors.

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WEBINAR on-demand Fraud

The New Face of First-Party Fraud

On-Demand Webinar

The New Face of First-Party Fraud: Three Personas Every Lender Needs to Know

First-party fraud is becoming one of the toughest challenges facing banks and lenders today. Traditional fraud controls are struggling to keep pace as fraudsters leverage technology, social media, and increasingly sophisticated tactics to exploit gaps across the customer lifecycle.

The challenge is that first-party fraud is no longer a single problem. It has evolved into three distinct behavioral types: Criminal Operators, Opportunists, and Intentional Misrepresentation. Each have their own unique motivations, risk signals, and detection challenges. Treating them the same can leave institutions exposed to unnecessary losses while creating friction for legitimate customers.

In this Provenir-hosted webinar, Jason Abbott and Jason Gunther will break down these three first-party fraud personas, exploring how they operate, the warning signs they leave behind, and how organizations can use AI-driven approaches to identify and address risk earlier and more effectively.

Key Takeaways:
  • The three distinct first-party fraud personas and the behaviors that differentiate them
  • Early warning indicators that can help identify first-party fraud before losses occur
  • How AI-powered profiling, data enrichment, and graph analytics uncover hidden risk patterns
  • Strategies for applying the right level of friction at the right time to protect both revenue and customer experience
You’ll learn practical insights and actionable strategies to strengthen your fraud program, improve detection outcomes, and create a more balanced approach to fraud prevention that protects both your business and your customers.
Please fill out the form to watch the replay:

Speakers
  • jason abbott headshot

    Jason Abbott

    Provenir

    Product Director, Fraud
  • Jason Gunther

    Jason Gunther

    Provenir

    Lead Data Scientist

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