additiv AI Studio enables financial institutions to operationalize AI across existing systems using intelligent agents, embedded financial logic, and trusted data. With a growing library of prebuilt AI agents for wealth, insurance, and credit, it accelerates automation and personalization across every workflow.
Automate at scale. Stay compliant. No core replacement required.
Intelligent orchestration is the coordination layer that brings together people, processes, data, and AI delivering automation that’s aligned with the specific requirements of financial services.
By combining domain-specific business logic with real-time data and agent-based execution, it transforms disconnected tasks into secure, compliant, and auditable workflows that scale across the enterprise.
This approach is realized through a five-layer architecture, the foundation of intelligent orchestration powered by AI, defining how additiv AI Studio orchestrates intelligence across systems, data, and people.
Each layer plays a distinct role in ensuring that automation, data, and compliance work together seamlessly.
At the edge of the platform are autonomous AI agents — digital specialists designed to perform specific tasks within broader workflows. These include interpreting unstructured inputs, extracting and classifying structured data, assessing suitability and risk, generating personalized recommendations, or coordinating multi-step processes. When orchestrated together, these agents operate as a virtual team, communicating and collaborating dynamically to execute end-to-end financial operations with precision, speed, and context.
At the core of additiv AI Studio sits the orchestration layer — the control center that determines how tasks are distributed, sequenced, and executed by AI agents. Using Module Context Protocols (MCP) and an event-driven architecture, this layer ensures that each agent acts at the right time, with the right data, under the right business conditions. It manages routing, exception handling, and coordination across services, embedding audit trails, explainability, and human-in-the-loop oversight to meet the governance standards expected in financial services.
What makes additiv AI Studio effective is not just orchestration but context. This layer embeds the financial logic that guides decision-making with rules, calculations, and workflows specific to wealth, insurance and credit. From MiFID II suitability and product eligibility to tax optimization and claims automation, this logic ensures every automated process operates with compliance and precision. Unlike horizontal orchestration platforms, which require custom configuration, additiv AI Studio delivers prebuilt domain intelligence, transforming orchestration from coordination into true financial execution.
The unified data layer provides the foundation for all orchestration activities. It harmonizes data from internal systems, external sources, and open banking APIs into a consistent, AI-ready structure. This layer manages entity resolution, consent control, enrichment, and normalization so that every decision and interaction is based on trusted, compliant, and explainable information. By standardizing access and ensuring lineage transparency, it provides the reliability required for AI at enterprise scale.
additiv AI Studio is designed to extend existing systems, not replace them. Through APIs and data streaming, the orchestration layer connects seamlessly with legacy cores and enterprise platforms, enabling modernization through composition rather than disruption. Institutions can deploy modules incrementally, build AI capabilities on top of any core, and scale innovation securely within existing infrastructure — achieving modernization without re-platforming.
The AI agents within additiv AI Studio form a modular, interoperable workforce, a growing library of task-specific agents that apply these capabilities in real-world use cases across wealth, insurance, and credit. Together, they execute complex workflows that are transparent, traceable, and fully aligned with financial regulations.
Composes personalized content, reports, and recommendations.
Extracts and interprets meaning from unstructured inputs (text, transcripts, forms).
Sequences and manages end-to-end workflows across systems.
Powers predictions, scoring, segmentation, and anomaly detection.
AI agents act as digital specialists supporting advisors, operations teams, and clients by taking on defined tasks within regulated workflows. The result: humans remain in control, focusing on decisions and relationships, while agents handle execution under full oversight.
Every workflow is governed by financial logic, auditable processes, and explainable outputs, with optional human oversight at critical steps.
For financial institutions, AI adoption is only credible if it is auditable, explainable, and secure. additiv AI Studio embeds governance and safeguards from the ground up, ensuring every workflow, data exchange, and automated decision can be traced, verified, and controlled
Implemented to meet GDPR and EU AI Act requirements.
Independently audited (ISO 27001, ISAE 3402 SOC 1 Type 2, OSPAR).
Isolated environments on Microsoft Azure AI Foundry, with end-to-end encryption.
Institutions retain full ownership; no prompts, completions, or training data are shared or reused.
Freedom from lock-in to any single AI model provider.
Oversight mechanisms ensure safe and responsible adoption.
Across financial services, the promise of AI and automation is clear: faster processes, leaner operations, and better customer outcomes — all achieved without the disruption of replacing core systems responsibly.
Legacy systems were built for stability, not for the pace of modern innovation. They often lock data in silos, limit agility, and require costly replacements. AI-powered intelligent orchestration offers another path: enhancing, rather than replacing, existing cores by layering intelligence on top.
By layering intelligence over existing infrastructure, additiv AI Studio turns common legacy constraints into opportunities for faster, safer modernization.
Siloed data
Inflexible, fragmented systems slow down innovation.
Manual, limited automation
Compliance gaps and workarounds everywhere.
Rigid processes
No orchestration across domains, costly to maintain.
Heavy investment required
Core replacements needed just to modernize.
Slow time to market
Projects drag on for years.
Unified data foundation
Cloud-based harmonization and normalization across domains.
Configurable business logic
Deterministic, finance-specific rules with compliance built in.
Multi-agent orchestration
Multiple AI agents collaborating in real time across an extensive API catalog enabling end-to-end workflows.
Flexible deployment
Modular, step-by-step rollout on any core with no replacements needed.
Faster time to value
Go live in weeks, while profiting from existing platform capabilities and omnichannel reach.
