INDUSTRIES
Banking

Enterprise AI for banks

Decision intelligence, Arabic knowledge automation and regulatory intelligence, deployed inside your bank.

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Enterprise AI platform for the work a bank cannot get wrong. Deployed inside your own environment, in Arabic & English, and already proven in the region’s leading banks. Start with a priority challenge, then expand across the bank on the same platform.
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Sector Landscape

The Banking Landscape

Retail & Consumer Banking
Corporate & Commercial Banking
Cards & Payments
Digital Banks & Islamic Banking

Decision Recommendations & Next Best Action

What you are dealing with
You have dashboards on the portfolio. You still decide account by account, by hand.
What MOZN does
Synthesizes customer context, signals and expected outcomes to recommend the next action, with the reasoning shown.

Enterprise Knowledge & Memory Assistant

What you are dealing with
Onboarding is slow because the documents are Arabic-heavy and the review is manual.
What MOZN does
One interface across identity, income and onboarding documents, Arabic-first, with entity resolution behind it.

Agentic Workflow Automation

What you are dealing with
Service requests, amendments and collections steps move manually between systems.
What MOZN does
Agents orchestrate and execute end-to-end workflows with appropriate human oversight.

Proactive Signal & Anomaly Intelligence

What you are dealing with
You learn about credit deterioration at the next review cycle, when the options are already narrower.
What MOZN does
Monitors internal and external information continuously to surface deterioration and emerging trends early.

Enterprise Knowledge & Memory Assistant

What you are dealing with
Credit files, covenants and trade documents are unstructured, multilingual, and read by hand every time.
What MOZN does
One interface across credit and trade documentation, Arabic and English, traceable to source.

Scenario & Impact Intelligence

What you are dealing with
Testing a sector or rate scenario across the book takes a quarter and two analysts.
What MOZN does
Models scenarios and assesses the potential impact of different decisions, assumptions and external changes.

Proactive Signal & Anomaly Intelligence

What you are dealing with
Volume, decline rates and merchant behavior move constantly, and you see it in the monthly pack.
What MOZN does
Monitors payment and merchant information continuously to surface material signals and anomalies early.

Agentic Workflow Automation

What you are dealing with
Disputes and chargebacks are high volume, knowledge-intensive, and move manually across systems.
What MOZN does
Agents orchestrate and execute end-to-end workflows with appropriate human oversight.

Hidden Relationship & Network Fraud Detection

What you are dealing with
Static rules cannot keep up with how fast the patterns change.
What MOZN does
Connects merchants, accounts, terminals and activity to uncover coordinated fraud, with detection that learns from investigation outcomes.

Enterprise Knowledge & Memory Assistant

What you are dealing with
Product and Shariah governance knowledge sits with a small number of scholars and a large number of documents.
What MOZN does
An Arabic-first interface across rulings, standards and product files, with citations behind every answer.

Agentic Workflow Automation

What you are dealing with
You run a bank with a fraction of the headcount, so every manual workflow is a ceiling on growth.
What MOZN does
Agents orchestrate and execute end-to-end workflows with appropriate human oversight.

Regulatory Change Monitoring

What you are dealing with
Your permissions and obligations change faster than a lean compliance team can read.
What MOZN does
Identifies relevant changes and their implications for your specific permissions and controls, tied back to source.

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SOLUTIONS FOR BANKING

AI for banking.

The platform powers a range of solutions explained below. Built once, applied everywhere. Select a solution to see what it does and where you can apply it.

Predictive & Decision Intelligence
Enterprise Knowledge & Automation
Regulatory & Governance Intelligence
Fraud & Investigation Intelligence
Finance & Budget Intelligence

Predictive & Decision Intelligence

You do not have a dashboard shortage. You have a shortage of actionable intelligence.
Detect. Anticipate. Decide.
  • Dashboards tell you what happened. Someone still has to notice what matters, work out why, and decide what to do about it.
  • MOZN surfaces what deserves attention without you needing to know the question first, then models what happens next and recommends the action with its reasoning shown.
  • Credit deterioration, portfolio concentration and customer behavior get watched continuously rather than at the next review cycle.
  • At a 106 percent loan-to-deposit ratio, the next decade of growth has to come from decision quality rather than balance sheet expansion. This is the solution that addresses that directly.
  • Signal, scenario and recommendation in one loop, rather than three tools and two teams.
[ Use cases ]
Proactive Signal & Anomaly Intelligence
Decision Recommendations & Next Best Action
Scenario & Impact Intelligence

Enterprise Knowledge & Automation

Your bank already knows the answer. It just cannot find it.
Connect. Understand. Execute.
  • Credit files, trade documents, onboarding packs, product rules, Shariah rulings and policy manuals sit across systems and people. Most of it is Arabic.
  • MOZN’s platform maps your own concepts, relationships and history, so the AI understands how your bank actually works rather than just retrieving documents.
  • Native Arabic, with no translation layer, and a citation behind every answer so a recommendation can be checked in seconds.
  • Then agents run the knowledge-intensive workflows end to end, with your people at the decision points. That is what turns a faster search box into fewer handoffs.
[ Use cases ]
Enterprise Knowledge & Memory Assistant
Agentic Workflow Automation

Regulatory & Governance Intelligence

From a regulatory change to a control map in days, not a quarter.
Monitor. Assess. Remediate.
  • You monitor several regulators and several sources. Deciding which changes are relevant, and to whom, is the slow part.
  • MOZN identifies the relevant changes, obligations, dependencies and intersections, then works out the implications against your own policies and controls, with everything traceable to source.
  • It then generates, assigns and tracks the remediation through to closure, so gaps get closed rather than logged.
  • The same mapping proves model governance to the regulator without a document-assembly exercise every time.
[ Use cases ]
Regulatory Change Monitoring
Compliance Gap & Remediation Automation

Fraud & Investigation Intelligence

Your customer authorized the payment. The controls saw a legitimate transaction.
Detect. Uncover. Investigate.
  • Scams, mule networks and merchant rings hide in relationships, not in single transactions, and static rules cannot keep up with how fast the patterns change.
  • MOZN resolves entities across your systems, maps the network behind them, and feeds investigation outcomes back into detection so the model improves without waiting for a rule change.
[ Use cases ]
Hidden Relationship & Network Fraud Detection
Agentic Investigation Workbench
Fraud Threat Analysis

Finance & Budget Intelligence

Payment schedules, budgets, and the full population.
Plan. Monitor. Anticipate.
  • Vendor and supplier payments run in installments across years. Your budget cycle does not. When the two fall out of sync, the liquidity problem arrives before the accounting one does.
  • MOZN plans the budget and tests contracts against the cash flow they actually commit you to, then monitors that alignment through the year and flags divergence early enough to fix it, instead of at the close.
  • Internal audit is a sampling exercise on a periodic cycle, and forecasts get rebuilt by hand whenever an assumption moves.
  • MOZN monitors financial activity continuously across the full population to identify irregularities earlier, and re-forecasts on demand from current signals.
[ Use cases ]
Cash Flow & Commitment Synchronization
Continuous Financial Anomaly Detection & Audit Automation
Budget & Revenue Forecasting
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TRACK RECORD

Proven inside the region’s leading banks.

National credit decisioning

One of the region’s largest development lenders scored a $31 billion portfolio to standardize credit decisioning at national scale.

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Al Rajhi Bank

Partnered with MOZN to harness AI in the fight against fraud, using the FOCAL platform.

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stc Bank

Partnered with MOZN to strengthen financial crime prevention and AML compliance on the FOCAL platform.

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D360 Bank

Partnered with MOZN on AI-powered AML compliance and onboarding, as the first Saudi digital bank serving well over 700,000 customers.

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Tier-1 bank, fraud typologies

An AI-native platform covering 16 fraud typologies across the full customer journey, with more than $5.3 million in fraud prevented and rising.

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Money mule detection

One of the largest financial institutions in the region achieved a 38 percent reduction in fraud losses on money mule detection, delivered with an embedded MOZN team.

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What the analysts say
Category Leader, 2026 RiskTech Quadrant for Enterprise Fraud Solutions. The only Middle Eastern company named a leader. Ranked 16 worldwide in the FCC50 2026, the largest jump in the ranking.
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Notable Vendor, Financial Crime Management Solutions Landscape Q1 2026.
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IDC Innovator, Middle East Regulatory Technology Providers 2026.
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Certified and audited

PDPL accreditation from SDAIA
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NCA ECC-2:2024, audited by EY
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NCA CCC-2:2024, audited by EY
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GDPR
4
ISO/IEC 27001
5

All certificates, audit reports, the ISMS scope, network diagram, penetration test report and vulnerability assessment reports are available from MOZN Trust Center ››

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HOW WE ENSURE ROI

Forward Deployed Engineering

We deploy AI experts inside your team to ensure AI delivers sustainable positive ROI for your organization.

MOZN

MOZN AI Platform

An enterprise intelligence platform that connects data and knowledge, understands organizational context, reasons across it, and enables AI to act.

MOZN FDE pod

120+ FDE experts:
AI engineers, data scientists, strategists and change managers, embedded with your fraud operations, MLRO office and model risk function
YOUR ORGANISATION

Your domain experts

Deep internal know-how of the typologies, controls, regulatory posture and workflows that no vendor can guess from the outside.

Successful AI Transformation

Governed, sovereign, owned by you, and giving positive ROI.
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FAQ’s

Questions you are probably about to ask

We have run AI pilots that went nowhere. Why would this be different?

  • Because the constraint is almost never the model. It is that the AI does not understand your bank.
  • The platform grounds itself in your own concepts, relationships and history first, so the reasoning reflects how your bank actually works. Then our engineers stay in your teams until it is in production and being used.
  • The skepticism is well earned. Only 4 of 50 banks reported realized ROI from AI use cases in one recent review, despite 80 percent increasing AI spend over two years. (Deloitte, 2026 Banking and Capital Markets Outlook, citing Evident)

Are you a consultancy or a product company?

  • A product company. MOZN builds and licenses an AI platform.
  • Forward deployed engineers get it into production inside your teams. That is a delivery model, not a billable practice.
  • What you end up owning is running software.

Can it handle our Arabic documents?

  • The platform is Arabic-first. No translation layer.
  • Benchmarking has demonstrated how our platform beats others when it comes to efficacy in handling Arabic data.
  • Credit files, onboarding packs, trade documentation and Shariah rulings are read as Arabic rather than converted first.
  • It is also genuinely hard. Despite 500 million Arabic speakers, only seven benchmarks address Arabic dialects at all. (Technology Innovation Institute, 2025)

Will our teams actually trust what it tells them?

  • Every answer traces back to its source. The record, the document, the rule it came from.
  • That is the difference between a score your team has to trust and a recommendation they can check in ten seconds.
  • Over half of financial institutions in this region name transparency and explainability as their main obstacle to using AI at all. (Deloitte Middle East, 2026)

How is this different from the fraud platform we already have?

  • Most platforms score transactions. MOZN resolves entities and maps the relationships between people, companies, accounts and activity.
  • Investigation outcomes feed back into detection, so new patterns get caught without waiting for a new rule.
  • Chartis named MOZN a Category Leader in the 2026 RiskTech Quadrant for Enterprise Fraud Solutions, the only Middle Eastern company named a leader.
GET STARTED

Start with your hardest problem. Then expand everywhere.

Our engineers will sit with your team, work on your data, and show you what the platform does inside your own environment.

Get in Touch