ArcOne BankOS™
First Vertical AI Orchestration System built for banking revenue management.
Banking AI Needs More Than Models. It Needs Vertical Orchestration.
ArcOne BankOS™ solves the structural problem blocking AI adoption at financial institutions: data fragmented across dozens of cores, siloed by line of business, and ungoverned at the field level. ArcOne BankOS™ makes every banking core AI-ready without re-platforming.
Despite $35B invested globally, most banks are still stuck at the pilot stage.
The reason is structural. AI agents require clean, governed, semantically consistent data to function reliably across complex banking environments. Large banks routinely operate five to fifteen core banking systems simultaneously, each with its own data model, field naming conventions, and integration requirements. Normalizing this environment manually requires teams of data engineers and months of work. ArcOne BankOS™ eliminates that bottleneck.
One Platform. Connected Intelligence Across Three Layers.
A vertically integrated data and AI platform.
The Ocular AI platform delivers three integrated fabrics addressing distinct layers of the banking intelligence stack. They are not modular options but an integrated stack, which makes the governance work, the intelligence reliable, and the deployment timeline realistic.
Data Fabric
Unified. Governed. Domain-specific.
The Banking Domain Cartridge has 60+ connectors to standard enterprise systems and auto-maps 80%+ of fields across all major banking cores. It pre-populates Commercial, Retail, and Global Transaction Banking terminology so institutions aren’t starting from scratch. What used to take months now takes days. That compression is what makes everything else possible.
Intelligence Fabric
Identifies. Trains. Deploys. Governs and Monitors.
The agent factory identifies, trains, deploys, governs, and monitors both ML and Language models, configuring them to develop and orchestrate AI Agents. Powered by TERRA™: Trigger, Evaluate, Research, Recommend, Act. Provides an orchestration engine coordinating 100+ AI agents across Retail, Commercial, Global Transaction Banking, Wealth Management, and Retirement.
Agent Fabric
A growing AI Agent marketplace where intelligence becomes revenue.
Enrich360™ handles pricing, product, and profit intelligence. Experience360™ covers customer experience and engagement. Exceptions360™ manages process and exception intelligence. LYZA™, our multi-modal interface, connects banking professionals to the agent ecosystem through voice, text, video, and document inputs. Production applications on your existing infrastructure, with no core replacement required.
ArcOne IntelliArc™
Multi-Agentic Systems for Revenue Intelligence
Enrich360™
Pricing, Product & Profit Intelligence
Provides a robust foundation for data integration, validation, transformation, and governance to assimilate data from across multiple sources that include banking cores, billing systems, and data warehouses. Has intelligence fabric that maps directly into the workflow of key roles, providing unique insights, dynamic dashboards, interactive prompts, and analytics.
Experience360™
Customer Experience & Engagement Intelligence
Provides a modern customer service portal for both self-service and agent-assisted service. It leverages AI-powered personalization and generative AI to anticipate the needs of the customer and resolve issues proactively and expediently. Key benefits of this solution are to reduce average handle time, improve first call resolution, while improving customer satisfaction.
Exceptions360™
Process & Exception Intelligence
Looks across the revenue management lifecycle to proactively identify exceptions that impact revenue collections. By analyzing data from banking cores, billing and financial systems, it helps coordinate different silos and roles to identify collections exceptions and automate their resolution. This improves revenue while reducing operational costs.
One integrated stack. No bolted-on governance.
When the three fabrics share a common foundation, every workflow inherits the same governed data layer, the same audit trail, the same lineage tracking. Governance is a property of the platform, not an add-on.
Enterprise deployment without enterprise-scale complexity.
Certified channel partners compress initial deployment to four to six months using a three-step activation model. The platform is modular and cloud-agnostic, requiring no large data engineering team and no disruption to existing operations. Once the foundation is live, new revenue streams launch in weeks rather than another multi-year transformation cycle.
Connect
Banking Domain Cartridge maps to your existing cores and 60+ enterprise systems. 80%+ of fields resolved automatically. No data engineering team required.
Map
Semantic governance applied across your data environment. Banking terminology standardized. Lineage established. AI Agents configured for your domain.
Activate
Application suites go live on your existing infrastructure. New revenue streams launch in weeks. First measurable results, not another multi-year cycle.
Built for the Regulatory Reality of Banking
ArcOne BankOS™ provides the governed data layer required to support Dodd-Frank, Basel III, SOX, OCC, CFPB, and the latest SR 26-2 model risk management requirements. The Ocular AI Catalog includes built-in Bias & Fairness, Toxicity, Hallucination, and Lineage monitoring, ensuring every AI decision is traceable and defensible from data to models to agents to business processes with complete auditability and traceability.
Already in production. Across the full spectrum of banking complexity.
A regional bank running end-to-end Account Analysis and Deal Management with full audit and compliance capabilities for two years.
A multinational financial services company operating in 196 countries where ArcOne powers real-time transaction intelligence across all lines of business simultaneously.
A global bank using Exceptions360™ to automate the quote-to-cash process, reconciling fees with billing.
ArcOne BankOS™ is available now.
ArcOne AI has active Fortune 500 client engagements and strategic partnerships with leading Fintechs, banking core providers, and systems integrators.
Ready to move from contract to measurable results?
Schedule a custom demonstration to see how ArcOne BankOS™ deploys across your environment.
ArcOne BankOS™, Ocular AI™, LYZA™, TERRA™, IntelliArc™, Enrich360™, Experience360™, and Exceptions360™ are trademarks of ArcOne AI. Headquartered in Austin, Texas.
