›Why 2026 marks a turning point for banking automation
After years of isolated RPA pilots, banks in 2026 are consolidating automation into end-to-end workflows. Agentic AI now chains KYC, AML screening, credit scoring and document generation in a single orchestrated flow, where each step is traced and auditable.
Utilyx materializes this shift: a no-code BPM designer where a business analyst models the whole journey, the AI copilot proposes the schema, and every node is executable and testable.
›Three trends to operationalize on Utilyx
- Agentic KYC/AML: the workflow ingests the onboarding request, runs PEP/sanctions screening, scores risk and routes to compliance — with the AI copilot pre-mapping the regulatory steps.
- Hyperautomation of credit decisioning: intake, scoring, multi-level validation, conditional routing based on amount and risk, automatic PDF of the credit offer and legal archiving (usePDF + useArchive).
- Real-time compliance reporting: every decision is journaled and exportable as FATCA/CRS or audit packs on demand, with tamper-evident traceability.
›Concrete benefits for banking teams
Banks that industrialize these flows report onboarding time dropping from several days to a few hours, a sharp reduction in false positives on AML alerts, and zero missing documents — the workflow blocks submission until required pieces are present.
Because the business vocabulary (KYC, AML, FATCA/CRS, LBA, credit, collateral) is built into the platform, the AI copilot proposes the right schema directly, without the user re-explaining their regulatory context.
›The workflow in real time
Every node is executable, every branch is testable. Visualize the actual flow of your data while you design.
›Measured gains after automation
Temps de traitement
Before
5 jours
After
2 heures
Taux d'erreur documentaire
Before
12%
After
0,5%
Coût par transaction
Before
45 €
After
3 €
Conformité audit
Before
78%
After
100%
›How to automate this process — step by step
Modéliser le workflow
Décrivez le processus (KYC, crédit, compte) au copilote IA ou dessinez-le dans le concepteur visuel — routage conditionnel, validations multi-niveaux.
Configurer les formulaires
Créez les formulaires de saisie avec champs obligatoires, pièces requises et validation automatique des données réglementaires.
Automatiser la génération PDF
Connectez un template Word au module usePDF — chaque décision génère automatiquement un document conforme.
Activer l'archivage légal
Le module useArchive classe chaque document dans une archive infalsifiable avec index plein-texte et traçabilité complète.
Déployer et mesurer
Publiez en un clic, simulez d'abord si besoin. Suivez les KPI (temps de cycle, taux d'erreur, conformité) en temps réel.
›Return on investment
Frequently asked questions
Does Utilyx support agentic KYC/AML workflows out of the box?
Yes. The banking template ships with KYC/AML, credit decisioning, FATCA/CRS reporting and account opening as pre-mapped workflows the AI copilot can extend.
Is the audit trail compliant with banking regulators?
Every step is journaled and the generated PDF is archived in a tamper-evident archive (useArchive), satisfying internal audit and regulator requirements.
Ready to automate your processes?
Utilyx lets you design, automate and orchestrate your workflows visually — with an AI copilot, OCR, PDF generation and legal archiving. Start in minutes, not weeks.