Supercharge your Commercial and Business Banking with RDC.AI Intelligence

RDC.AI's agentic and predictive intelligence platform enables banks to grow profitably and outpace their competitors

 

See our Use Cases
Illustration of the RDC.AI platform dashboard showing business lending intelligence
The Digital Banker AI Innovation Award 2025 Banking Tech Award — 2026 Finalist: Best Bank and Fintech Partnership

PROVEN IMPACT

The Intelligence Advantage

Know More, accurately: Early Warnings detected 6 months earlier and 8 times more accurate; Portfolio Insights identified over $50 million in loss provisions
Do More, efficiently: Early Warnings reduced false positives by over 50%; Portfolio Insights delivers 50% reduction in manual processes and $7m p.a. in OPEX savings

M&T BANK + RDC.AI

M&T Bank leverages RDC.AI to anticipate risks, and strengthen the foundation for growth in commercial banking

Peter D'Arcy, M&T's Head of Commercial Banking outlines the benefits of partnering with RDC.AI to transform how the bank operates. The bank has automated risk detection leveraging richer, real-time data, so that bankers gain deeper insights and can have meaningful conversations with clients.

WESTPAC + RDC.AI

How Westpac is reshaping business lending with RDC.AI

Tamara Bryden from Westpac shares how partnering with RDC.AI is accelerating loan decisions, surfacing risk earlier, and giving bankers clearer insights for better customer conversations — powered by real-time data and explainable AI.

PROVEN PLATFORM

One Platform. Infinite Potential

Built for business and commercial lending. Trusted by banks that move faster, act with insight, and grow with confidence.

A Force Multiplier for Bankers.
Combining Predictive and Agentic AI

Accelerate Time to Value.
Solution Blueprints with built-in Commercial
and Business Banking Experience

Operate with Confidence.
Explainable AI for Monitoring, Confidence and Insights

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Proven Solutions

One Platform. Many Solutions

RDC.AI Solutions demonstrate a proven track record of seeing initiatives go live faster, for a fraction of the cost.
They provide our clients with templates and blueprints as well as pre-definedimplementation processes that de-risk outcomes.

Early Warnings

Proactively identifies customers showing early signs of credit risk deterioration using continuous surveillance.

Early Warnings

Early Warnings

Proactively identifies customers showing early signs of credit risk deterioration using continuous surveillance.

From
After the fact alerting of high risk behaviors
To
Proactive indication that business may be experiencing cashflow stress
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Automated Reviews

Streamlines the review process for lending portfolios by automating manual assessments and surfacing the insights that matter.

Automated Reviews

Automated Reviews

Streamlines the review process for lending portfolios by automating manual assessments and surfacing the insights that matter.

From
One size fits all reviews that are schedule driven.
To
More efficient reviews that consider the customers risk and cashflow health.
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Leads & Limits

Uses AI to analyze cash flow, seasonality, and repayment data to surface new lending opportunities within an existing portfolio.

Pre-Assessed Leads

Leads & Limits

Uses AI to analyze cash flow, seasonality, and repayment data to surface new lending opportunities within an existing portfolio.

From
Rushed, elongated and often chaotic process to extend credit
To
A pre-approved limit providing faster time to funding with greater confidence and less manual intervention
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Cashflow Lending

Leveraging Merchant Transactions to Support Lending, includes pre-assessment, origination, and monitoring.

Cashflow Lending

Cashflow Lending

Leveraging Merchant Transactions to Support Lending

From
Fixed terms or expensive overdrafts that do not take into account a business cashflow
To
Flexible lending based on daily takings. We use a cashflow-driven model to accurately predict when a customer will pay out the loan
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Portfolio Insights

Portfolio level aggregations accompanied by a powerful AI Assistant designed to support portfolio governance as well as ad-hoc investigation.

Portfolio Alerts

Portfolio Alerts screenshot

Portfolio Navigator

Portfolio Navigator screenshot

Portfolio Assistant

Portfolio Assistant screenshot

Portfolio Insights

From
After the fact alerting of high risk behaviours
To
Proactive indication that business may be experiencing cashflow stress
From
Manual monitoring with delayed risk identification and after-the-fact reviews
To
Automated early warning signals with 6-month forward visibility into credit risk
From
Manual review process requiring significant banker time and effort
To
Fully automated credit reviews with AI-driven recommendations at scale
Portfolio Alerts
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Renewals

Accelerate the assessment of facilities to simplify / automate their review and rollover.

Renewals

Renewals

Accelerate the assessment of facilities to simplify / automate their review and rollover.

From
Bankers and customers trudging through renewals despite no material changes.
To
Flexible lending based on daily takings. We use a cashflow-driven model to accurately predict when a customer will pay out the loan.

Risk Rating

Supporting the implementation and monitoring of Risk Rating models

Risk Rating

Risk Rating

Supporting the implementation and monitoring of Risk Rating models

From
Fragmented model lifecycles leading to increased risk, cost, and solution complexity.
To
Unified RDC.AI platform for compliant model monitoring and stateful, distributed results.
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Custom Solution

Leveraging the platform we use for our solutions, you can accelerate the delivery of your own

Custom Solution

Custom Solution

Leveraging the same platform we use for our solutions, you can now accelerate the delivery of your own

From
Designing and assembling multiple technologies to operationalise analytics and AI initiates.
To
A single compliant platform for model and data driven credit innovation.

PROVEN DELIVERY

Trusted by Leading Banks

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Westpac logo
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