While banks successfully capture customer attention through mobile apps, many struggle to convert this traffic into meaningful value. Digital experiences often remain static and disconnected from a customer’s real-time financial needs, while internal pressures demand faster innovation with tighter resources. Addressing this gap, global digital banking solutions provider Finshape has detailed a comprehensive AI strategy designed to move artificial intelligence from experimental pilots to governed, production-level operations that deliver measurable outcomes.
The core challenge, as Finshape identifies, is that AI programs frequently stall because leadership requires safe, provable results, not just technological hype. Finshape’s blueprint is built to tackle this by focusing on three key areas: turning app traffic into revenue, accelerating digital delivery, and ensuring AI adoption reaches production with robust governance.
From Insights To Action With Financial Intelligence
Most financial institutions possess the ability to generate customer insights and analytics, but the bottleneck lies in operationalizing this data at scale. Turning a single insight into a personalized customer interaction can take weeks, leading to a few large campaigns rather than continuous, individualized support.
Finshape’s solution is its Financial Intelligence platform, a Personalised Moments Engine that automates the cycle from insight to conversation and outcome. Instead of providing more dashboards, the system focuses on creating “so what, now what” experiences. For example, the engine can detect a low projected balance against an upcoming payment and proactively generate an in-app alert, guiding the customer to a conversation with an AI Financial Assistant to resolve the issue by moving funds or extending credit. This not only helps the customer but provides measurable value to the bank through reduced service costs and new, contextually relevant cross-sell opportunities.
Accelerating Delivery With Agentic DBOS
The second major hurdle for banks is the speed and complexity of digital delivery itself. With rising budgets and legacy system constraints, IT teams often struggle to keep pace with the demand for change, with a significant portion of new features failing post-deployment.
To combat this, Finshape introduced Agentic DBOS, an “implementation AI” designed for technology teams. This system combines its core platform capabilities with an AI Expert Network—specialized agents for specification, architecture, low-code UI, testing, and more. The workflow is designed for augmentation, not full autonomy. AI generates specifications, code, and test cases based on inputs like requirements and designs, but every output requires human review and approval. This model is built for bank-grade oversight, featuring audit trails, role-based access controls, and data sovereignty, ultimately making delivery faster and more predictable.
The MENA Perspective
For the rapidly evolving banking sector across the MENA region, Finshape’s strategy is particularly relevant. Financial institutions in hubs like the UAE and Saudi Arabia are investing heavily in digital transformation to serve a young, tech-savvy population. However, they face the same global challenges of integrating AI safely, proving its ROI, and overcoming the limitations of legacy infrastructure.
Finshape’s focus on governed, production-ready AI that delivers measurable business outcomes—rather than speculative experiments—directly addresses the priorities of regional banking leaders. The ability to deliver personalized, proactive customer moments can be a key differentiator in a competitive market, while the Agentic DBOS offers a tangible path to accelerate innovation without compromising on compliance and security, a critical consideration for the region’s regulators.
A Hands-On Approach With The AI Delivery Studio
Finshape argues that AI adoption fails when treated purely as a technology experiment. To ensure success, the company offers its AI Delivery Studio, an embedded, cross-functional team of product owners, engineers, and AI specialists who work alongside the bank’s team as a single unit.
This studio supports the entire lifecycle, from defining a use-case portfolio to production rollout and scaling. The focus extends beyond technical feasibility to address critical questions: Who does the solution serve? How will it drive user adoption within the bank’s existing channels? And how will its value be proven and scaled? By co-building and shipping the solution, the studio ensures that AI initiatives are grounded in a solid product and delivery discipline from day one.
About Finshape
Finshape is a leading provider of digital banking solutions with over 30 years of experience. The company serves more than 100 financial institutions in 44 countries across four continents, supported by a team of over 600 experts.
Source: Fintech News Middle East
