years of AI & Fintech expertise
5+
We deliver end-to-end AI agent solutions, from strategic planning and development to secure integration, deployment and continuous improvement for clients across North America, Europe, and worldwide.
AI Agents Transforming Financial Services
Look at how financial institutions and fintechs strategically deploying Generative AI are seeing transformative results.
The AI Assistant Model
A leading fintech innovator transformed its operations by deploying an advanced conversational AI assistant. The AI now handles the workload of 200 full-time agents, resolving inquiries in under 3 minutes (down from 11), boosting customer satisfaction, and is projected to deliver a $10 million annual profit uplift. This demonstrates the power of AI agents to create immense operational leverage and financial value.
AI Co-Pilots at a Global Bank
A top-tier global bank deployed AI agents to analyze complex legal documents and monitor transactions in real-time. The initiative yielded transformative results, saving over 50,000 work hours annually on document review alone. In parallel, the AI-driven security system successfully reduced credit card fraud by 60%, safeguarding both the bank and its customers from significant financial loss.
AI for Anti-Money Laundering (AML)
A major international bank transformed its compliance operations by implementing an AI-powered system for AML monitoring. The AI solution detected 2-4 times more suspicious activity than legacy systems while simultaneously reducing false positives by over 60%. This allowed investigators to focus their expertise on the highest-risk cases, dramatically improving the effectiveness of the bank's global compliance framework.
AI-Powered Loan Origination
An innovative digital bank integrated AI agents to automate its loan origination workflow, handling data extraction and initial risk assessment. This automation resulted in a more than 3x decrease in loan processing time. By eliminating over 75% of manual credit-related tasks, the bank was able to deliver faster lending decisions and significantly improve its operational efficiency.
Featured Case Studies
Data Science Solution for the Fintech Sector
Merchant recognition solution based on ML.
Custom development
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Custom development
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Custom development
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Custom development
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AI-powered Document Search Service for B2B Customers
Emerline has developed an innovative AI-powered chatbot document search service tailored for B2B customers, designed to significantly enhance document management and retrieval processes in a business environment.
Data Science
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Data Science
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Data Science
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Emerline Helped an AI Company Optimize Store Layouts and Improve Sales Predictions for Large Retailers
Our AI and Data Science professionals developed tailored machine learning models contributing to the improvement of sales forecasting and store layout optimization for major retail leaders in the United States.
Data Science
+3 more
Data Science
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Data Science
+3 more
Why Choose Emerline
At Emerline, we merge advanced technology with financial industry expertise to deliver AI solutions tailored to the unique needs of banks and financial institutions.
Proven AI/ML expertise
With over a decade of AI experience and 40+ successful AI projects, our in-house experts leverage the latest AI technologies to build truly intelligent solutions.
Pragmatic AI ecosystem integration
We accelerate your time-to-value by integrating industry-leading solutions, such as Anthropic Claude for Financial Services.
Deep financial services expertise
We are not just AI engineers, we are specialists who understand the complex regulatory and operational realities of banking and fintech.
Governance & compliance by design
We embed a robust framework for security, transparency (XAI), and regulatory adherence into every solution.
Human-in-the-loop control
Our systems are designed to augment, not replace, human judgment. We ensure your experts retain control over critical decisions and accountability.
Certified quality & reliability
Our development processes are ISO 9001 (Quality) and ISO 27001 (Security) certified, guaranteeing a high standard of delivery and data protection.
End-to-end strategic partnership
From initial use case prioritization to continuous learning and maintenance, we provide a disciplined, full-lifecycle development process.
Focus on measurable ROI
Our entire process is geared toward delivering tangible, quantifiable business impact, from fraud reduction to operational cost savings.
Trusted partner for startups and Fortune 500 companies
With a strong team of full-stack software engineers and consultants, we help our clients to achieve unsurpassed quality at all stages of web, mobile, and desktop application development.
400
+
completed projects
25 reviews on Clutch
9
offices around the globe
700
+
full-time tech experts
Our offices
Florida, USA
Miami - Headquarters
Poland
Wrocław
Lithuania
Vilnius
Germany
Heidelberg
Here's What Can You Expect From AI Agent Solutions
~$10M
annually
profit uplift via automation
50,000+
work hours
saved annually on document review
60%
decrease
in credit card fraud
3x+
decrease
in processing time
Over 60%
reduction
in AML false positives
150%
boost
in CSAT scores from GenAI assistants
AI Agent Use Cases
From fraud prevention to wealth management, AI-powered agents automate critical workflows, cut cycle times, and elevate customer experiences—unlocking efficiency, compliance, and growth across the financial ecosystem.
Real-time fraud prevention
Deploy agents that analyze thousands of data points per transaction to identify and block sophisticated fraud schemes instantly, before losses occur.
Automated KYC/AML lifecycle
Streamline customer onboarding by automating document ingestion, data verification, and watchlist screening, drastically reducing manual effort and errors.
Intelligent customer concierge
Deploy conversational AI that resolves up to 90% of customer inquiries 24/7, slashing resolution times and freeing up human agents for complex issues.
Hyper-personalized wealth management
Equip advisors with AI assistants that automate research and administrative tasks, freeing up 50% of their time to focus on high-value client strategy.
Intelligent loan origination
Transform underwriting by automating data extraction and risk assessment, reducing loan cycle times by over 3x and eliminating 75% of manual credit tasks.
Autonomous finance functions
Deploy agents to automate end-to-end workflows like procure-to-pay and treasury management, slashing cycle times by up to 80% and boosting efficiency.
Who We Help
Traditional Banks
seeking to modernize legacy systems, cut costs, enhance experiences, and stay competitive in a digital financial landscape.
Digital Banks and Fintechs
needing to scale operations, ensure compliance, and deliver flawless user experiences.
Capital Markets Firms
aiming to automate trading, accelerate analytics, and strengthen risk management.
Insurtechs and Insurers
seeking to drive efficiency through automated underwriting, claims, and customer service.
Partnerships and Certifications
AI Agent Development Services
We develop custom AI agents tailored to solve the most pressing challenges in the financial services industry. Our solutions are designed to deliver measurable impact across three core service areas:
Risk management and RegTech automation
Transform compliance into a strategic advantage. Our AI agents provide a dynamic, predictive defense against financial crime, automating KYC/AML and fraud prevention to slash risk and manual effort.
Hyper-personalized customer engagement
Deliver the context-aware service customers demand. We deploy intelligent conversational AI and robo-advisors that build deeper relationships, resolve inquiries instantly, and drive top-line growth.
Back-office operational excellence
Automate the core processes that drive profitability. Our agents streamline everything from loan origination and credit scoring to treasury management, drastically cutting cycle times and operational costs.
Implementation Framework
Step 1: Strategic alignment & prioritization
We align AI potential with your core business goals to maximize ROI, focusing on high-impact use cases.
Step 2: Agile & modular development
We build in sprints, delivering functional components for your feedback.
Step 3: Secure integration & orchestration
We securely connect AI agents to your existing systems and orchestrate complex workflows.
Step 4: Validation & continuous improvement
We rigorously test and validate every agent to ensure superior performance and establish feedback loops for continuous improvement.
Our Technology Stack
Core AI Paradigms
Agentic AI
Generative AI
Prescriptive Analytics
AI Frameworks
LangChain & LangGraph
CrewAI
Microsoft AutoGen
Learning Frameworks
PyTorch
TensorFlow
Keras
Hugging Face Transformers
Foundation Models & Platforms
Large Language Models (LLMs)
Anthropic Claude for Financial Services
Azure OpenAI Service
Google Cloud Vertex AI
mazon SageMaker
Emerline is an important part of our strategic team!
Emerline has been our technology partner since late 2012. In the early years I thought that would be a short-term gap fill until I could afford to hire my own technical team in the US. But they have consistently met the demands of our growing company and helped us build what we believe is the industry's best solution option. Emerline provides high quality work, so much so that our platform's reliability and accuracy has been mentioned by our largest customer's internal vendor survey repeatedly. The individuals we work with aren't just contractors, they are an important part of our strategic Team and we enjoy working with them every day!
Emerline is an important part of our strategic team!
Emerline has been our technology partner since late 2012. In the early years I thought that would be a short-term gap fill until I could afford to hire my own technical team in the US. But they have consistently met the demands of our growing company and helped us build what we believe is the industry's best solution option. Emerline provides high quality work, so much so that our platform's reliability and accuracy has been mentioned by our largest customer's internal vendor survey repeatedly. The individuals we work with aren't just contractors, they are an important part of our strategic Team and we enjoy working with them every day!
President/CEO, CPG Data
USA
President/CEO, CPG Data
USA
Emerline has been the best development partner we’ve ever worked with!
Emerline has been the best development partner we’ve ever worked with. The team is very responsive and the quality is very high. They are always willing to do whatever is necessary to support development and customer support efforts. I would recommend them to anyone.
Emerline has been the best development partner we’ve ever worked with!
Emerline has been the best development partner we’ve ever worked with. The team is very responsive and the quality is very high. They are always willing to do whatever is necessary to support development and customer support efforts. I would recommend them to anyone.
CEO, Praxie
USA
CEO, Praxie
USA
We recommend Emerline as a trusted technology partner
We can confidently say that Emerline fully met our expectations, starting with providing high-quality advice on technologies that would improve our solution and continuing with their fast, high-quality implementation. Emerline has strong communication processes in place that kept us apprised of the project's stage and allowed us to discuss any issues on the go. The team was professional and promptly made adjustments when asked. We recommend Emerline as a trusted technology partner for developing telemedicine solutions and would choose to work with Emerline again regarding new projects.
We recommend Emerline as a trusted technology partner
We can confidently say that Emerline fully met our expectations, starting with providing high-quality advice on technologies that would improve our solution and continuing with their fast, high-quality implementation. Emerline has strong communication processes in place that kept us apprised of the project's stage and allowed us to discuss any issues on the go. The team was professional and promptly made adjustments when asked. We recommend Emerline as a trusted technology partner for developing telemedicine solutions and would choose to work with Emerline again regarding new projects.
Founder, Hello Ralphie
USA
Founder, Hello Ralphie
USA
We are very pleased and content with our relationship with Emerline
We are very pleased and content with our relationship with Emerline. We rely on their team for full-stack development of our platform. We respect the high technical caliber and dedication of the team assigned to our project. Emerline provided us with the scaling we needed to grow development capabilities from early-stage POC to now a globally deployed platform in the HR Teach space.
We are very pleased and content with our relationship with Emerline
We are very pleased and content with our relationship with Emerline. We rely on their team for full-stack development of our platform. We respect the high technical caliber and dedication of the team assigned to our project. Emerline provided us with the scaling we needed to grow development capabilities from early-stage POC to now a globally deployed platform in the HR Teach space.
CEO, Espresa
USA
CEO, Espresa
USA
We highly recommend Emerline as a technology partner
The Emerline team involved in the completion of our projects demonstrated a high level of responsiveness and support by solving issues and answering questions ASAP. They were diligent and proactively addressed the challenges that arose during the development process. Our cooperation ran smoothly and professionally, and Emerline quickly provided direct and correct advice when necessary. We highly recommend Emerline as a technology partner for large and complicated development projects that also delivers continuous cooperation with the provider on new projects.
We highly recommend Emerline as a technology partner
The Emerline team involved in the completion of our projects demonstrated a high level of responsiveness and support by solving issues and answering questions ASAP. They were diligent and proactively addressed the challenges that arose during the development process. Our cooperation ran smoothly and professionally, and Emerline quickly provided direct and correct advice when necessary. We highly recommend Emerline as a technology partner for large and complicated development projects that also delivers continuous cooperation with the provider on new projects.
VP Global IT, FUCHS Group
Germany
VP Global IT, FUCHS Group
Germany
Emerline helped us build an MVP into a full-fledged production platform — in 14 months
Emerline worked closely with us to take the best ideas from our MVP and integrate them with transactional capabilities for digital payments, workflow for job management, and funds transfers for cash advances. Our platform was built to service the roofing industry getting contractors paid faster so they can focus on growing their businesses and servicing their customers.
Emerline helped us build an MVP into a full-fledged production platform — in 14 months
Emerline worked closely with us to take the best ideas from our MVP and integrate them with transactional capabilities for digital payments, workflow for job management, and funds transfers for cash advances. Our platform was built to service the roofing industry getting contractors paid faster so they can focus on growing their businesses and servicing their customers.
Founder and CEO, SquareDash
USA
Founder and CEO, SquareDash
USA
They proved themselves reliable technology partners
Throughout our cooperation with Emerline, they proved themselves reliable technology partners. That’s why we trusted them with our new project — website migration to AEM and revamping our brand’s product catalog that we use across multiple websites — without any hesitation. The team always stayed in touch, providing regular feedback and progress updates. The cooperation was smooth, and the work on the project was completed in due time. They provided an efficient solution that allowed us to reduce infrastructure costs; with it, we didn’t have to depend on third-party vendors. Thanks, Emerline! We will definitely continue working with you.
They proved themselves reliable technology partners
Throughout our cooperation with Emerline, they proved themselves reliable technology partners. That’s why we trusted them with our new project — website migration to AEM and revamping our brand’s product catalog that we use across multiple websites — without any hesitation. The team always stayed in touch, providing regular feedback and progress updates. The cooperation was smooth, and the work on the project was completed in due time. They provided an efficient solution that allowed us to reduce infrastructure costs; with it, we didn’t have to depend on third-party vendors. Thanks, Emerline! We will definitely continue working with you.
IT Director
USA
IT Director
USA
Emerline exceeded expectations!
Redesigning our website wasn’t just about updating our look — it was about building a stronger front door for the world to experience Miami’s economic story. As the official EDO for Miami-Dade, we knew the stakes were high.
Emerline exceeded expectations. They were consistently organized, forward-thinking, and committed. In less than six months, we had a completely new platform — faster, smarter, and built to grow with us. We’re proud of what we built together!
Emerline exceeded expectations!
Redesigning our website wasn’t just about updating our look — it was about building a stronger front door for the world to experience Miami’s economic story. As the official EDO for Miami-Dade, we knew the stakes were high.
Emerline exceeded expectations. They were consistently organized, forward-thinking, and committed. In less than six months, we had a completely new platform — faster, smarter, and built to grow with us. We’re proud of what we built together!
President & CEO, Miami-Dade Beacon Council
USA
President & CEO, Miami-Dade Beacon Council
USA
The team gladly brought their expertise and delivered us a perfect solution to meet our customers’ business needs.
The Emerline team wasn’t scared of any challenges and managed to design a solution to cater to any analytical or supply chain tasks. Their enthusiasm and process transparency ensured seamless communication and prompt reaction to any adjustment or focus shift from our side. Their experience and dedication allowed them to provide the solution really fast. We highly recommend choosing Emerline as a development partner if you need a high-end solution for your business.
The team gladly brought their expertise and delivered us a perfect solution to meet our customers’ business needs.
The Emerline team wasn’t scared of any challenges and managed to design a solution to cater to any analytical or supply chain tasks. Their enthusiasm and process transparency ensured seamless communication and prompt reaction to any adjustment or focus shift from our side. Their experience and dedication allowed them to provide the solution really fast. We highly recommend choosing Emerline as a development partner if you need a high-end solution for your business.
Founder & CEO, Kontango
USA
Founder & CEO, Kontango
USA
Emerline demonstrated a deep understanding of the client's vision
Emerline demonstrated a deep understanding of the client's vision, delivering a functional MVP on time and within budget. The team was highly responsive to the client's needs and maintained clear communication throughout. Above all, their exceptional project management skills stood out.
Emerline demonstrated a deep understanding of the client's vision
Emerline demonstrated a deep understanding of the client's vision, delivering a functional MVP on time and within budget. The team was highly responsive to the client's needs and maintained clear communication throughout. Above all, their exceptional project management skills stood out.
CEO, Founder of Tribela GmbH
Germany
CEO, Founder of Tribela GmbH
Germany
The level of skill and quality of the developers is outstanding!
Emerline has been helping the client significantly improve their apps for 1.5 years. Their efforts have resulted in positive feedback from users and stakeholders. Moreover, the vendor impresses the client with their skills, flexibility, excellent project management, and effective communication.
The level of skill and quality of the developers is outstanding!
Emerline has been helping the client significantly improve their apps for 1.5 years. Their efforts have resulted in positive feedback from users and stakeholders. Moreover, the vendor impresses the client with their skills, flexibility, excellent project management, and effective communication.
Director, RedWrasse Ltd.
UK
Director, RedWrasse Ltd.
UK
Impressed with transparency, proactiveness, and customer-oriented processes
Emerline helped the client deploy the mobile app on the app store. Their team impressed the client with their transparency, proactiveness, and customer-oriented processes. They informed the client about any issues and addressed them swiftly, positively affecting the product quality and work speed.
Impressed with transparency, proactiveness, and customer-oriented processes
Emerline helped the client deploy the mobile app on the app store. Their team impressed the client with their transparency, proactiveness, and customer-oriented processes. They informed the client about any issues and addressed them swiftly, positively affecting the product quality and work speed.
CEO & Founder, Visible
Switzerland
CEO & Founder, Visible
Switzerland
My experience with Emerline has been great
The team was hired to design and develop the Echospectra mobile and web applications, as well as to integrate them with a variety of cloud services. A critical requirement was to rapidly develop the apps in an agile manner, quickly implementing important stakeholder and user feedback as it came along, and fixing any outstanding bugs. The team managed to accommodate this kind of agile, change-driven process successfully. Thanks to their rapid development approach, we've been able to build the initial app versions and then continuously iterate on them to refine our product offering and make sure it meets and exceeds customer expectations. I highly recommend them to anyone looking for a reliable partner who delivers on time and on budget.
My experience with Emerline has been great
The team was hired to design and develop the Echospectra mobile and web applications, as well as to integrate them with a variety of cloud services. A critical requirement was to rapidly develop the apps in an agile manner, quickly implementing important stakeholder and user feedback as it came along, and fixing any outstanding bugs. The team managed to accommodate this kind of agile, change-driven process successfully. Thanks to their rapid development approach, we've been able to build the initial app versions and then continuously iterate on them to refine our product offering and make sure it meets and exceeds customer expectations. I highly recommend them to anyone looking for a reliable partner who delivers on time and on budget.
CEO, Echospectra
USA
CEO, Echospectra
USA
We recommend Emerline as a reliable and skilled tech partner
Collaboration with Emerline was one of our best decisions! Their team quickly understood both the technical requirements and the industry-specific challenges we were trying to solve. We needed a secure, flexible platform that could support data-driven formulation across different industries, and Emerline delivered exactly that. Their team approached the task with professionalism, understood our goals, and built a solution that met both technical and user-facing needs.The result is a working platform that reduces manual work, speeds up R&D, and supports faster, smarter formulation processes across various industries. From day one, communication was smooth, timelines were clear, and we felt fully supported throughout the project. We highly recommend Emerline as a tech partner for your future initiatives.
We recommend Emerline as a reliable and skilled tech partner
Collaboration with Emerline was one of our best decisions! Their team quickly understood both the technical requirements and the industry-specific challenges we were trying to solve. We needed a secure, flexible platform that could support data-driven formulation across different industries, and Emerline delivered exactly that. Their team approached the task with professionalism, understood our goals, and built a solution that met both technical and user-facing needs.The result is a working platform that reduces manual work, speeds up R&D, and supports faster, smarter formulation processes across various industries. From day one, communication was smooth, timelines were clear, and we felt fully supported throughout the project. We highly recommend Emerline as a tech partner for your future initiatives.
FastFormulator Key Partner and Project Leader
USA
FastFormulator Key Partner and Project Leader
USA
They were very successful in listening to what we needed
They were very successful in listening to what we needed, making the appropriate suggestions, and pointing us in the right direction. They helped move our software from an awkward and crashy program to one that we depend on everyday. We couldn't do what we do without it.
They were very successful in listening to what we needed
They were very successful in listening to what we needed, making the appropriate suggestions, and pointing us in the right direction. They helped move our software from an awkward and crashy program to one that we depend on everyday. We couldn't do what we do without it.
Business Director, 3QC, Inc.
USA
Business Director, 3QC, Inc.
USA