# RDC.AI – Know more. Do more. Grow more. – Agentic & Predictive Intelligence for Commercial Banking

> RDC.AI is an agentic and predictive intelligence platform for commercial and business banking, helping banks grow profitably with governed AI across the lending lifecycle.

> Generated by All in One SEO Pro v5.0.4, this is an llms.txt file, used by LLMs to index the site.

## Sitemaps

- [XML Sitemap](https://rdc.ai/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [From the CEO: What Will Data Do Next?](https://rdc.ai/resources/what-will-data-do-next/): RDC CEO Ada Guan predicts industry trends in an article for Retail Asia Magazine April 2018
- [The Future of Responsible Lending - Utopia or Dystopia?](https://rdc.ai/resources/the-future-of-responsible-lending/): How the governments proposed changes will affect the banks approach to responsible lending.
- [Delivering the future of credit, today.](https://rdc.ai/resources/future-of-credit/): A global change in consumer and SME credit demand is occurring, and AI is tackling this demand.
- [Can behaviour determine creditworthiness?](https://rdc.ai/resources/behaviour-could-determine-creditworthiness/): RDC research collaboration with University of Sydney | Media release published August 2018
- [Transfer Learning in Credit Risk](https://rdc.ai/resources/transfer-learning-in-credit-risk/): Document for download
- [Knowledge Graphs in Support of Credit Risk Assessment](https://rdc.ai/resources/knowledge-graphs-in-support-of-credit-risk-assessment/): Document for download
- [Building a Credit Risk Model using Transfer Learning and Domain Adaptation](https://rdc.ai/resources/building-a-credit-risk-model-using-transfer-learning-and-domain-adaptation/): Document for download
- [Mental Accounting and Loan Choice: Evidence from a Social Media Survey](https://rdc.ai/resources/mental-accounting-and-loan-choice-evidence-from-a-social-media-survey/): Document for download
- [Discovering Periodicity in Locally Repeating Patterns](https://rdc.ai/resources/discovering-periodicity-in-locally-repeating-patterns/): Document for download
- [Rich Data Corporation secures $15 million to accelerate growth](https://rdc.ai/resources/rich-data-corporation-secures-15-million-to-accelerate-growth/): Rich Data Corporation CEO Ada Guan has raised $15 million in a round led by BMY Group
- [Providing insight on AU Fintech opportunities for expansion to Asia](https://rdc.ai/resources/insight-on-au-fintech-opportunities-for-expanasion-to-asia/): RDC's Ada Guan speaks at Australia's 2021 Intersekt Fintech Conference about her experiences in the China market.
- [NAB picks RDC AI decisioning capability software](https://rdc.ai/resources/nab-picks-rdc-ai-decisioning-capability-software/): Rich Data Corporation has signed an agreement with the National Australia Bank (NAB) to use Rich Data Corp’s AI prediction and decisioning capability software.
- [RDC Welcomes New Strategic Advisory Board Member](https://rdc.ai/resources/advisory-board-paul-compton/): Paul Compton, Emeritus Professor at UNSW joins RDC strategic advisory board.
- [Research Paper Accepted Into ACIS 2020](https://rdc.ai/resources/research-paper-acis-2020/): Collaborative paper on knowledge graphs to further enable transfer learning accepted into ACIS 2020.
- [Rich Data Corp Sponsors ARCA Credit Summit 2020](https://rdc.ai/resources/rdc-arca-credit-summit-2020/): Rich Data Corp is proud to sponsor to the 8th annual ARCA Credit Summit, being held virtually from 11-13 November 2020.
- [Australian AI Startup Cracks China Partnership Opportunity](https://rdc.ai/resources/australian-ai-startup-cracks-china-partnership-opportunity/): Document for download
- [RDC Announces Formation of Strategic Advisory Board](https://rdc.ai/resources/formation-rdc-advisory-board/): RDC has appointed Bernie Brookes AM, Susan Kay & Andrew Carriline to its Advisory Board.
- [Joint RDC & UTS Research Paper Accepted into European Machine Learning Conference](https://rdc.ai/resources/rdc-uts-research-european-conference/): Findings on transfer learning to be presented to global audience
- [RDC Earns ISO 27001 Certification](https://rdc.ai/resources/iso27001-certification-press-release/): Lending SaaS provider strengthens data protection for its clients with global certification.
- [Machine Learning: How to Deliver Dollars from Data](https://rdc.ai/resources/machine-learning-how-to-deliver-dollars-from-data/): Based on the presentation by Dr Hendra Suryanto at Future Data 2017
- [Cloud SaaS fintechs Mambu and Rich Data Co partner to support AI innovation for Lenders](https://rdc.ai/resources/cloud-saas-fintechs-mambu-and-rich-data-co-partner-to-support-ai-innovation-for-lenders/): SYDNEY | SINGAPORE, 12 October 2021: Mambu, the market leading cloud-native SaaS banking platform, combined with Rich Data Corporation’s (RDC) cutting edge AI-powered decisioning SaaS platform, is set to enable innovative credit solutions in the local financial services sector.
- [RDC and UNSW awarded Innovation Connections Grant](https://rdc.ai/resources/rdc-and-unsw-awarded-innovation-connections-grant/): Rich Data Co (RDC) and one of Australia’s leading research institutions, the University of New South Wales (UNSW), have been awarded an Innovation Connections grant.
- [Rich Data Co establishes North America Strategic Advisory Board to accelerate market entry](https://rdc.ai/resources/rich-data-co-establishes-north-america-strategic-advisory-board-to-accelerate-market-entry/): Rich Data Co (RDC), leading AI decisioning company, today announced the establishment of a North America Strategic Advisory Board to help guide the company as it accelerates its entry into the North American market.
- [nCino Expands nCino IQ Offerings Through Partnership with Rich Data Co](https://rdc.ai/resources/ncino-expands-ncino-iq-offerings-through-partnership-with-rich-data-co/): nCino, a pioneer in cloud banking and digital transformation solutions for the global financial services industry, today announced a value added reseller agreement with Rich Data Co.
- [RDC’s innovative research on Transfer Learning published in Frontiers in Artificial Intelligence](https://rdc.ai/resources/rdc-research-published-in-frontiers-in-artificial-intelligence/): Rich Data Co (RDC), an Australian company leading the market in Artificial Intelligence (AI) for credit risk, is pleased to announce the publication of its article “Credit Risk Modelling using Transfer Learning and Domain Adaptation” in international, peer-reviewed academic journal, Frontiers in Artificial Intelligence.
- [Westpac looks to give business customers an AI edge](https://rdc.ai/resources/westpac-looks-to-give-business-customers-an-ai-edge/): Westpac is partnering with a Sydney-based tech company Rich Data Co to deploy artificial intelligence that will simplify and accelerate its business lending services.
- [Rich Data Co Announced Appointment of Mike Pratt AM to its Board of Directors](https://rdc.ai/resources/rdc-mike-pratt-board-appointment/): With an exemplary corporate career and depth of banking experience, Mike joins the RDC Board of Directors to strengthen the company’s corporate governance and support RDC’s leadership team to execute on its purpose to accelerate the impact of AI in the banking sector and enhance financial inclusion.
- [Australian AI fintech makes it in New York](https://rdc.ai/resources/australian-ai-fintech-makes-it-in-new-york/): RDC is a fast-paced Australian fintech that is making tracks in the US market. In 2022, the Sydney-based artificial intelligence (AI) startup attended Austrade’s New York Fintech Landing Pad, supported by FinTech Australia. The 2-week program delivered invaluable contacts and market insights.
- [Responsible AI in Financial Services – Better Results Sooner](https://rdc.ai/resources/responsible-ai-in-financial-services-better-results-sooner/): While there is so much promise for the future of generative AI, there are tools available today to drive tangible benefits for bankers and the businesses they serve. The RDC platform brings together regulatory best practice and modern data science techniques to drive these benefits.
- [New Release Announcement: RDC AI Decisioning Platform v3.1 GA](https://rdc.ai/resources/new-release-announcement-rdc-ai-decisioning-platform-v3-1-ga/): Rich Data Co is announcing our AI Decisioning platform version 3.1 is now Generally Available (GA) and ready for customer adoption now. We are proud to introduce Genesis Studio, which delivers an industry first integration of a complete data science environment inside a powerful decisioning engine.
- [Leading AI decisioning platform Rich Data Co successfully raises $28 million in Series B round to accelerate North America expansion](https://rdc.ai/resources/leading-ai-decisioning-platform-rich-data-co-successfully-raises-28-million-in-series-b-round/): Rich Data Co (RDC) – a leading AI decisioning platform that helps banks make high-quality lending decisions efficiently and safely – has successfully raised $28 million (US$17.5m) in its Series B round.
- [The AI Decisioning Revolution in Business and Commercial Lending](https://rdc.ai/resources/the-ai-decisioning-revolution-in-business-and-commercial-lending/): The fusion of artificial intelligence with established industries such as business and commercial lending represents a fundamental shift from traditional banking methods. Our RDC AI Decisioning Platform exemplifies this evolution, delivering not only efficiency but also increased accuracy in decision making.
- [Transforming SME Lending in Australia: The Role of Artificial Intelligence](https://rdc.ai/resources/transforming-sme-lending-in-australia-the-role-of-artificial-intelligence/): Unlocking the potential of Australia’s SME sector: Despite economic challenges, SME lending remains crucial. Discover how Artificial Intelligence is reshaping credit assessments for greater efficiency and accuracy in financial decisions.
- [Teachable Intelligence: The art and science of AI Decisioning for business and commercial lending](https://rdc.ai/resources/teachable-intelligence-the-art-and-science-of-ai-decisioning-for-business-and-commercial-lending/): In the age of data and AI, how could AI support bankers, credit analysts and portfolio managers to make high quality decisions safely and more efficiently through deeper insight into their customer financial behaviour? This is the key problem Rich Data Co (RDC) set out to solve.
- [Revolutionising Financial Inclusion with AI and Machine Learning](https://rdc.ai/resources/revolutionising-financial-inclusion-with-ai-and-machine-learning/): Discover how AI, machine learning, and open banking are transforming financial inclusion, providing fair access to those without traditional credit histories.
- [Rich Data Co signs first US customer as part of global expansion and transformation of business lending leveraging AI](https://rdc.ai/resources/new-release-announcement-rdc-signs-first-us-customer/): Rich Data Co (RDC), an industry leader in AI decisioning for business lenders, has signed its first major US deal with M&T Bank, the sixth largest commercial bank in North America. This partnership marks RDC’s entry into the US market, leveraging its AI platform to enhance M&T’s risk management and lending strategies. Facilitated through collaboration with nCino, RDC’s AI solution provides comprehensive insights into cash flow health, credit risk, and lending opportunities, driving improved decision-making and customer experiences. This expansion underscores the global trend of AI shaping the financial services sector.
- [Announcing the General Availability of RDC AI Decisioning Platform v4.0](https://rdc.ai/resources/announcing-the-general-availability-of-rdc-ai-decisioning-platform-v4-0/): RDC launches platform v4.0 with AI-powered dashboards, advanced model lifecycle management, and deeper nCino integration for continuous, smarter credit decisioning.
- [Leading AI decisioning platform provider, Rich Data Co, secures further $9 million in funding from Acorn Capital – rounding out a $37 million Series B raise](https://rdc.ai/resources/leading-ai-decisioning-platform-provider-rich-data-co-secures-further-9-million-in-funding-from-acorn-capital-rounding-out-a-37-million-series-b-raise/): Rich Data Co secures $9 million from Acorn Capital, completing a $37 million Series B raise to expand its AI decisioning platform into North America.
- [Beyond Credit Scores: The Power of Early Warning Indicators in Risk Mitigation](https://rdc.ai/resources/beyond-credit-scores-the-power-of-early-warning-indicators-in-risk-mitigation/): Discover how early warning indicators and RDC’s advanced AI solutions transform credit risk management in commercial lending, enabling proactive risk mitigation and growth opportunities.
- [RDC AI Decisioning Platform V4.1 Now Generally Available](https://rdc.ai/resources/rdc-ai-decisioning-platform-v4-1-now-generally-available/): Platform v4.1 delivers confident model retirement, integrated Feature Foundation, Genesis Studio upgrades, and enhanced data validation for greater lender control.
- [RDC Announces General Availability of AI Decisioning Platform V5.0](https://rdc.ai/resources/rdc-ai-decisioning-platform-v5-0/): Platform v5.0 unleashes two GenAI assistants, putting the power of AI-driven data science and natural language portfolio intelligence directly into bankers’ hands.
- [RDC Announces General Availability of AI Decisioning Platform V6.0](https://rdc.ai/resources/rdc-announces-general-availability-of-ai-decisioning-platform-v6-0/): Platform v6.0 unleashes Decision Simulation, letting lenders test and compare lending scenarios against historical data before a single dollar is lent.
- [RDC.AI drives AI adoption and new cash flow-based business lending solution through BNZ partnership, with funds approved in as little as 3 minutes](https://rdc.ai/resources/rdc-ai-drives-ai-adoption-and-new-cashflow-based-business-lending-solution-through-bnz-partnership-with-funds-approved-in-as-little-as-3-minutes/): RDC.AI and BNZ launch the Merchant Flexi Loan for New Zealand small businesses, with approval in as little as three minutes and funds within two business days.
- [RDC.AI Announces General Availability of AI Decisioning Platform V7.0](https://rdc.ai/resources/rdc-announces-general-availability-of-ai-decisioning-platform-v7-0/): Platform v7.0 delivers smarter onboarding, an upgraded collaborative GenAI assistant, and redesigned simulation and strategy tools for faster, safer credit decisioning.
- [RDC.AI Launches V7.1.0 with Autonomous AI Agents and New Developer API Capabilities](https://rdc.ai/resources/rdc-ai-launches-v7-1-0-with-autonomous-ai-agents-and-new-developer-api-capabilities/): Platform v7.1 launches Genesis Genie, turning plain-English prompts into production code, plus a Model Context Protocol server enabling autonomous AI agents at scale.
- [Beyond Reactive Risk Management: How Early Warnings Transform Commercial Lending](https://rdc.ai/resources/beyond-reactive-risk-management-how-early-warnings-transform-commercial-lending/): M&T Bank achieved 70%+ improvement in early warning detection using RDC.AI’s transaction-level AI, turning struggling customers into success stories.
- [RDC.AI Launches V8.0: Faster Decisions, Smoother Model Ops, Stronger Integrity and Reporting](https://rdc.ai/resources/rdc-ai-launches-v8-0-faster-decisions-smoother-model-ops-stronger-integrity-and-reporting/): Platform v8.0 delivers side-by-side strategy comparison, one-click model packaging, risk rating templates, and SHA3-256 checksums for faster, more secure decisioning.
- [5 Signs It’s Time For AI-Powered Risk Detection](https://rdc.ai/resources/5-signs-its-time-for-ai-powered-risk-detection/): Five red flags your early warning system is failing: late alerts, false positive overload, and “set and forget” syndrome demand AI-powered detection now.
- [RDC.AI wins inaugural Global AI Innovation Award 2025 for Best AI-Powered Platform](https://rdc.ai/resources/rdc-ai-wins-inaugural-global-ai-innovation-award-2025-for-best-ai-powered-platform/): RDC.AI wins Best AI-Powered Platform at The Digital Banker's inaugural 2025 Global AI Innovation Awards, recognizing a decade of work in business lending.
- [5 Signs Your Early Warnings Are Failing You](https://rdc.ai/resources/5-signs-your-early-warnings-are-failing-you/): Discover the 5 critical signs your early warning systems aren't working and learn how AI-powered risk management can provide up to 6 months advance warning of portfolio problems.
- [RDC.AI Launches v9.0: Advanced Decision Intelligence, Agentic Workflows, and Global Accessibility](https://rdc.ai/resources/rdc-ai-launches-v9-0/): Platform v9.0 launches a visual Decision Strategy Builder replacing code with interactive workflows, plus an Agentic Workbench bringing full AI agent transparency.
- [Introducing RDC.AI Cowork](https://rdc.ai/resources/introducing-rdc-ai-cowork/): We're launching RDC.AI Cowork, an AI workspace for commercial banking. Ask in plain English and it analyzes your customers, facilities and transactions.
- [RDC.AI launches v10.0: Build faster, govern smarter, keep work moving](https://rdc.ai/resources/rdc-ai-launches-v10-0-build-faster-govern-smarter-keep-work-moving/): Version 10.0 is here, and it’s all about speed, scale, and trust. Analysts get to move faster thanks to background execution and clearer dashboards in Genesis Studio. Decisioning teams get sharper tools in Decision Workbench. Risk leaders get stronger, portfolio-level governance with attribute-based access control. And Genesis Genie, our privacy-first AI assistant, keeps getting smarter without ever sending your customer data to foundation models.
- [RDC.AI shortlisted at the 2026 Finnies for Most Innovative Application of AI in Finance](https://rdc.ai/resources/rdc-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.
- [M&T Bank and RDC.AI shortlisted for Best Bank & FinTech Partnership at Banking Tech Awards USA 2026](https://rdc.ai/resources/mt-bank-and-rdc-ai-shortlisted-for-best-bank-fintech-partnership-at-banking-tech-awards-usa-2026/): M&T Bank and RDC.AI have been named finalists for Best Bank & FinTech Partnership at the Banking Tech Awards USA 2026, one of the most respected industry awards in US banking and financial technology, run by FinTech Futures. The awards recognize outstanding achievement across the US banking and financial technology landscape.
- [RDC Platform v12.0.0 puts AI agents to work across the platform](https://rdc.ai/resources/rdc-platform-v12-0-0-puts-ai-agents-to-work-across-the-platform/): RDC Platform v12.0.0 is here. RDC.AI Cowork opens in early access for select customers, and Genesis Genie moves to a new engine.
- [Introducing RDC.AI — A New Chapter, Nine Years in the Making](https://rdc.ai/resources/introducing-rdc-ai-a-new-chapter-nine-years-in-the-making/): Rich Data Co becomes RDC.AI, a bold new identity reflecting its AI-first future while honouring the customer focus and partnerships driving its success.

## Pages

- [Home](https://rdc.ai/): RDC.AI is an agentic and predictive intelligence platform for business and commercial banking. Built on Glass Box AI for explainability in regulated industry.
- [RDC.AI Cowork overview](https://rdc.ai/videos/cowork-overview/): Video RDC.AI Cowork overview Your bankers and your AI, working the portfolio together. 2 min 29 sec · Product overview
- [Resources](https://rdc.ai/resources/): Explore RDC.AI's latest thinking on AI, commercial lending, risk, and the future of banking. Insights built for bankers who want to know more.
- [RDC.AI Cowork](https://rdc.ai/cowork/): Where bankers and AI work the portfolio together. RDC.AI Cowork brings agentic assistants, explainable decisions and your portfolio into one workspace.
- [Portfolio Insights](https://rdc.ai/solutions/portfolio-insights/): Get portfolio-wide visibility with AI-driven alerts, a smart navigator, and an AI assistant built for governance, monitoring, and ad-hoc investigation.
- [Platform](https://rdc.ai/platform/): One platform for commercial banking. Explainable AI, prebuilt solutions, and agentic assistants that accelerate time to value and reduce deployment risk.
- [RDC.AI - Editor's Choice Winner - Best Bank & Fintech Partnership](https://rdc.ai/banking-tech-editors-choice-winner/): RDC.AI wins the Banking Tech Awards USA 2026 Editor's Choice for Best Bank & Fintech Partnership with M&T Bank, transforming commercial lending with AI.
- [AI Capabilities](https://rdc.ai/ai-capabilities/): Commercial banking AI for complex entities, fragmented data, and regulatory scrutiny. RDC.AI's Teachable Intelligence puts banker expertise to work at scale.
- [Company](https://rdc.ai/company/): RDC.AI is on a mission to expand access to credit through explainable AI, helping banks make smarter, faster and more inclusive lending decisions.
- [Risk Rating](https://rdc.ai/solutions/risk-rating/): Automate and standardize risk ratings across your commercial portfolio. RDC.AI delivers consistent, explainable credit assessments at scale.
- [Merchant Lending](https://rdc.ai/solutions/merchant-lending/): Lend smarter with merchant transaction intelligence. RDC.AI assesses risk, matches repayments to sales, and delivers lending decisions in minutes, not weeks.
- [Leads & Limits](https://rdc.ai/solutions/lead-limits/): Uncover lending opportunities hidden in your portfolio. RDC.AI analyzes cash flow and repayment data to surface pre-assessed leads and limit increases.
- [Automated Reviews](https://rdc.ai/solutions/automated-reviews/): Replace schedule-driven reviews with AI-powered assessments. RDC.AI automates lending portfolio reviews, surfacing the insights that matter most.
- [Contact](https://rdc.ai/contact/): Ready to transform your lending intelligence? Start a conversation with the RDC.AI team and discover what smarter decisions look like for your bank.
- [Early Warnings](https://rdc.ai/solutions/early-warnings/): Proactively detect credit risk before it escalates. RDC.AI's Early Warnings uses continuous surveillance to surface cash flow stress signals in real time.
- [Renewals](https://rdc.ai/solutions/renewals/): Speed up commercial facility renewals. RDC.AI checks what changed since approval, automates rollover where policy allows and escalates the rest.
- [Partners](https://rdc.ai/partners/): RDC.AI partners with leading technology and research organizations to drive breakthrough outcomes in commercial and business banking intelligence.
- [Privacy Policy](https://rdc.ai/privacy-policy/): Read how RDC.AI collects, uses and protects personal information when you use our website and services, and learn about your privacy rights.

## Categories

- [Opinion](https://rdc.ai/resources/category/opinion/)
- [Press Release](https://rdc.ai/resources/category/press/)
- [Case Study](https://rdc.ai/resources/category/case-study/)
- [White Paper](https://rdc.ai/resources/category/white-paper/)
- [Article](https://rdc.ai/resources/category/article/)
- [Research Paper](https://rdc.ai/resources/category/research-paper/)