NEW

Introducing RDC.AI Cowork: Where bankers and governed agents work together on complex, high value decisions.

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

 

Illustration of the RDC.AI platform dashboard showing business lending intelligence
Awards: The Digital Banker AI Innovation Award 2025; Banking Tech Award 2026 Winner, Editors Choice Award (M&T Bank and RDC.AI); Finnies 2026 Finalist, Most Innovative Application of AI

PROVEN IMPACT

The Intelligence Advantage

Know More, accurately

Early Warnings

6

Months Earlier

8×

More Accurate

Detected potential risk events up to 6 months earlier and with 8× greater accuracy.

Portfolio Insights

$50m

in Loss Provisions

Identified and supported release of over $50 million in loss provisions.

Do More, efficiently

Early Warnings

50%

False Positive Reduction

False positives reduced over 50%, significantly improving the efficiency.

Automating Reviews

50%

Less Manual Process

$7m p.a.

OPEX Benefits

Delivers 50% reduction in manual processes and identifies $7m p.a. OPEX benefits in potential cost savings.

Grow More, safely

Pre-assessed Leads

$1bn +

in New Lending Unlocked

Unlocked over $1bn in new lending via automated pre-assessment, at higher acceptance rates.

Portfolio Insights

Lending   ↑

Risk   ↓

Identified expanded segment lending opportunities with significantly lower risk profiles.

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.

RDC.AI Intelligence
RDC.AI Cowork

A Force Multiplier for Bankers.
Bankers and governed agents work together on complex, high-value decisions.

RDC.AI Solutions

Accelerate Time to Value.
Proven solutions for real banking problems.

RDC.AI Genesis

Operate with Confidence.
The design, run, and monitoring environment for explainable AI.

Learn More ›

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-defined implementation processes that de-risk outcomes.

Early Warnings

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

Illustration representing the Early Warnings dashboard showing customer credit risk indicators

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 cash flow stress
Learn More ›

Automated Reviews

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

Illustration representing the Automated Reviews interface showing customer risk and cash flow status

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 customer's risk and cash flow health.
Learn More ›

Leads & Limits

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

Illustration representing the Leads & Limits dashboard highlighting pre-assessed lending opportunities

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
Learn More ›

Portfolio Insights

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

Portfolio Alerts

Illustration of the Portfolio Alerts showing risk alerts for the manufacturing sector.

Portfolio Navigator

Illustration of the Portfolio Navigator tool for exploring lending portfolio data.

Portfolio Assistant

Illustration of the Portfolio Assistant AI interface for credit risk queries

Portfolio Insights

From
After the fact alerting of high risk behaviors
To
Proactive indication that business may be experiencing cash flow 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
Learn More ›

Renewals

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

Illustration representing the Renewals interface showing maturing facilities assessment workflow

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
Facilities with no material change are reviewed and rolled over automatically, so bankers can focus on the customers who genuinely need attention.
Learn More ›

Merchant Lending

Leveraging Merchant Transactions to support lending, includes pre-assessment, origination, and monitoring.

Illustration representing the Merchant Lending interface showing merchant transaction-based loan assessment

Merchant Lending

Leveraging Merchant Transactions to support lending

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

Risk Rating

Supporting the implementation and monitoring of Risk Rating models

Model Implementation Status dashboard showing four active RDC.AI models across environments: Dual Risk Rating Model v3.2 Deployed in Production; LGD C&I Secured Model v2.1 in Testing in Dev; Qual PD CRE Investor Model v1.1 In Dev; Quant PD CRE Investor Model v1.5 Deployed in Production

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.
Learn More ›

PROVEN DELIVERY

Trusted by Leading Banks

M&T Bank logo
Westpac bank logo
BNZ bank logo

UPDATES, CASE STUDIES & PAPERS

Latest from RDC.AI

Photo of two bankers reviewing a portfolio on a laptop in a bright office

Introducing RDC.AI Cowork

Today we’re launching RDC.AI Cowork, an AI workspace for commercial banking. You ask questions in plain English, and it does the analytical work on your customers, facilities and transactions, using your bank’s own knowledge and skills.

read more...
Photo of an incandescent light bulb

RDC.AI shortlisted at the 2026 Finnies for Most Innovative Application of AI in Finance

We are proud to share that RDC.AI has been named a finalist in the Most Innovative Application of AI in Finance category at the 2026 Fintech Australia Awards – The Finnies. For a team built on the belief that commercial and business lending needs modernising, this recognition is deeply meaningful. It validates the path we have chosen and the customers who have trusted us to walk it with them.

read more...
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Contribute to the discussion on the future of AI and lending