Industry overview
From legacy systems to learning platforms. Why cloud-agnostic SaaS became the architecture of choice, and what AI changes about it.
Redefining financial services
How AI-driven SaaS is powering the next generation of banking.
Redefining
financial
services
financial
services
How AI-driven SaaS is powering
the next generation of banking
the next generation of banking
Whitepaper · Edition v2
Free download
$97BProjected financial services AI investment by 2027, up from $35B in 2023.World Economic Forum
68%Of global financial institutions rank AI a top investment priority in their SaaS strategy.IDC
+21ptJump in AI-led automation adoption across finance departments in a single year.Gartner, 2024 survey
1 in 10Large financial institutions have actually deployed AI agents at scale. The rest are still piloting.CapGemini
What's inside
Ten chapters, from market reality
to agentic banking
Drawing on research from IDC, Gartner, McKinsey, BCG, Accenture, EY, the World Economic Forum and the Bank for International Settlements, plus live deployments across banks, fintechs and insurers.
Key market trends
AI-led automation, agentic AI, composable SaaS, and the uncomfortable gap between AI's promise and proven ROI in finance.
Concrete use cases
Onboarding, credit scoring, fraud detection, engagement, regulatory reporting and treasury, with the numbers institutions actually reported.
Technology shifts
LLMs tailored to financial applications, retrieval-augmented generation for grounded outputs, and embedded AI in core banking and CRM.
Regulatory context
Principles-based frameworks, the explainability clarity gap, SupTech supervision, and the governance structures banks are standing up.
Stakeholder challenges
Legacy complexity, unproven profitability at scale, and consumer demand for transparency in automated decisions.
Reality check
Where AI is genuinely live today, and why 80% of institutions are still stuck in the idea or pilot phase.
Akkuro's perspective & agentic banking
Agentic SaaS built on three principles: autonomous capabilities, composable intelligence, and explainability-first design. Applied across lending, core banking and FX, investments and CRM.
Future outlook
The $200B to $340B annual value at stake in banking, and what separates reinvention-ready institutions from the rest.
Key takeaways
What you'll walk away with
Not a technology explainer. A decision input for roadmap, investment and governance conversations.
From deterministic rules to opportunity discovery
Agentic banking shifts the industry away from static segmentation toward proactive, graph-based discovery, unlocking customer segments and distribution models that rules-based systems never reach.
Composable beats monolithic
Modular, API-first architecture lets institutions plug in best-in-class models and evolve as fast as the technology does. Gartner expects over 70% of banks on some form of composable platform by 2027.
Compliance-first is a design constraint, not a phase
Every decision, action and recommendation logged, auditable and compliant by design, with granular RBAC, audit trails and integration into external regulatory systems.
The measurable outcomes, sourced
Onboarding from days to under two minutes, 20 to 30% lower default rates, up to 60% better fraud detection, 50% faster regulatory reporting. Every figure carries the institution and study behind it.
Partnership
×Composable banking, delivered in Thailand
Sirisoft partners with Akkuro to bring composable, AI-native banking infrastructure to financial institutions in Thailand. Akkuro builds the platform; Sirisoft brings the local delivery, integration and managed-service capability that turns it into production systems inside your existing estate, so you adopt agentic banking without re-platforming everything you already run.
Composable by default
Modular, API-first services that slot into your core, CRM and channels. It is the same composable philosophy Sirisoft applies across its technology practice.
Built for regulated environments
Explainability, audit trails and RBAC by design, delivered by an ISO/IEC 27001 and ISO 9001 certified partner familiar with Thai regulatory expectations.
Local team, global platform
European-built infrastructure proven with leading institutions, supported on the ground by a Thai engineering team you can reach in your timezone.
Get the full whitepaper
15 pages of market data, live use cases, regulatory context and the agentic banking roadmap. Free to download.
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