Home / Innovations / weavefactor.core

weavefactor.core

Agentic AI Digital Banking Platform

Work in Progress

weavefactor.core represents our vision for the future of banking technology. This platform is currently in active development as part of our strategic partnership with ActivEdge Technologies. The features and capabilities described below outline our roadmap and planned innovations.

Vision: The Future Bank

Banks will evolve from IT-heavy institutions into AI-powered, software-driven engineering organizations, enabling:

01

Autonomous Operations

Run autonomous operations through AI agents across fraud, risk, compliance, and back-office workflows

02

Lower Cost-to-Serve

Reduce operational costs with automation and lean, cloud-native infrastructure

03

New Revenue Streams

Unlock new revenue via BaaS, API ecosystems, and embedded finance

04

Real-Time Experiences

Deliver consistent, real-time customer experiences across all channels

05

Digital Finance Integration

Integrate natively with digital identity systems, CBDCs, and distributed finance networks

Three-Layer AI-Native Banking Platform

Designed for agility, automation, and regulatory-grade transparency

Layer 1

Engagement Layer

Customer-facing innovation layer

  • Omni-channel interfaces and API gateways
  • AI copilots powering front-office automation
  • Seamless onboarding and servicing flows
Layer 2

Smart Services Layer

AI intelligence & decisioning layer

  • AI-driven risk, fraud, and anomaly detection
  • Autonomous process orchestration
  • Pricing, lending, and product recommendation engines
  • Policy-based and AI-based decisioning frameworks
Layer 3

Core Technology and Data Layer

Modern, real-time financial infrastructure

  • Distributed, cloud-ready APIs and Microservices
  • Real-time transaction processing
  • Digital asset & CBDC compatibility
  • Regulatory reporting, auditability & observability

Platform Characteristics

01

Microservices Architecture

  • Highly cohesive yet decoupled services
  • Rich set of APIs for multiple digital channels
  • Support for mobile, web, branch, ATM, and partner ecosystems
  • Independent deployable services with MCP Servers supporting Agentic AI
02

Natural Language Interaction

  • Portfolio of AI Agents and MCP servers
  • Conversational banking interfaces
  • Voice-enabled banking operations
  • Intelligent query processing
03

Authentication & Security

  • Pluggable authentication policies
  • OIDC 1.0, OAuth 2.0, FIDO 2.0 support
  • Adapters for emerging IAM standards
  • Zero security vulnerabilities approach
04

Workflow Engine

  • Configurable business process definitions
  • Support for long-running banking processes
  • Built-in operational monitoring and auditing
  • Business events tracking
05

Risk & Fraud Management

  • Deep integration with fraud providers
  • Pluggable risk engines
  • Real-time anomaly detection
  • Automated compliance monitoring
06

Data & Analytics

  • Data Lake with defined Data Dictionary
  • Advanced Analytics capabilities
  • Machine Learning Models integration
  • Predictive insights and forecasting
07

Cloud-Native Infrastructure

  • Kubernetes-based containerized deployment
  • Public/Private Cloud infrastructure support
  • Elastic architecture based on load
  • Cloud and infrastructure agnostic
08

API-First Design

  • Well-defined, secure, versioned APIs
  • Seamless third-party integration
  • Pluggable adapter support
  • No-code accelerators for integration

Platform Capabilities Roadmap

Core Banking Functions

  • Colleague Portals for operations management
  • Reference Data management
  • General Ledger
  • Customer Management
  • Credit Administration
  • Workflow Management
  • Account Management
  • Product Management
  • Transaction Posting Engine
  • Identity & Access Management (IAM)

Automated Operations

  • Virtual end-of-day processing
  • Interest Accruals
  • Account Statistics
  • Interest Posting
  • Transaction Journals & History
  • Bank Statements
  • Regulatory Reporting
  • Audit Trails

Advanced Services

  • Treasury (FX, Money Market, Securities, Derivatives)
  • Trade Finance (LCs, Collections, Guarantees)
  • Documentary Management & Exports
  • Wealth Management
  • Risk Management and Compliance

Innovation Accelerators

  • Payment Accelerators (NPA compliant)
  • Open Banking Accelerators
  • Event Processing Framework
  • Data Analytics & ML Models
  • Consumer Behavior Forecasting
  • Anomaly Detection
  • Targeted Offerings Engine

Integration Capabilities

  • SWIFT Integration
  • Regulatory Reporting Systems
  • Credit Bureau Adapters
  • Risk Engine Integration
  • Authentication Providers
  • Enhanced security model for regulatory compliance

Key Benefits & Value

Operational Efficiency & Cost Reduction

  • Automation of routine back-office tasks (document processing, data entry, compliance checks)
  • Minimized human errors and accelerated processing times
  • Reduced IT costs through modular, cloud-native architecture
  • Incremental updates vs. costly full-system replacements
  • Open architecture for seamless integration
  • Shortened time-to-market for new products

Enhanced Customer Experience & Revenue Growth

  • Hyper-personalized products, services, and financial advice through AI/ML
  • Increased customer satisfaction, loyalty, and retention
  • New revenue through cross-selling and upselling opportunities
  • 24/7 AI-powered chatbots and virtual assistants
  • Seamless, multi-channel experiences across all touchpoints
  • Open banking capabilities for ecosystem partnerships
  • Access to new customer segments and value-added services

Improved Risk Management & Compliance

  • AI fraud models with continuous learning from transaction data
  • Real-time anomaly detection with greater accuracy
  • Reduced fraud losses and improved security
  • Automated compliance checks and monitoring
  • Automated regulatory reporting generation
  • Explainable AI (XAI) framework for transparency
  • Fair, auditable automated decisions building trust

Operational & Deployment Models

Designed to support multiple operational models, offering flexibility and scalability to various stakeholders

Model 1

Banking-as-a-Service (BaaS)

Large, well-established banks (Tier-1) use the platform to provide BaaS to:

  • Partner banks
  • Regional banking subsidiaries
  • Fintech partners
Model 2

Self-Deployment

Banks deploy the platform in private or public cloud for their own use:

  • Greater control over operations
  • Full customization to meet specific needs
  • Complete data sovereignty
Model 3

Consortium Banking

Multiple banks form a consortium to collectively provide BaaS:

  • Shared resources and expertise
  • Increased efficiency and reduced costs
  • Improved competitiveness in the market

Interested in weavefactor.core?

Join us in shaping the future of banking technology

Partner With Us Back to Home