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Ratexa.ai
Check-up your Bank
Approach

How we move banks from classic to AI-Native

We make your bank AI-Native — and stay until it ships.

A repeatable playbook. Same framework, same milestone gates, same measurable P&L outcomes — adapted to your jurisdiction, regulator and starting point.

Why Ratexa

Three roles your transformation needs. Most banks get only one.

Consultants don't build. Vendors don't strategise. Integrators don't own the outcome. Ratexa.ai combines all three under one accountable team — that's why banks working with us move 18 months ahead of peers.

Vendor

Production-ready platform

9 products live: HRM, CRM, Jumse, DTMS, MyCouncil, QBIS core banking and more. Software you turn on, not a roadmap in PDF.

Consultant

Strategy from operators

Ex-CTOs and digital directors from Citibank, Barclays, Accenture, Deloitte and other tier-1 banks. We diagnose, plan and defend the business case.

Implementer

We ship — not just advise

Separate tech entity outside the bank perimeter. Senior-only engineering. Legacy refactored 5–7× faster with AI in the loop.

Framework

Deploy → Reshape → Invent

Each phase has its own KPIs and team composition. You can't skip ahead: no Deploy means no foundation for Reshape; no Reshape means no platform for Invent.

Step 1

Deploy

Automation of specific processes

Fraud detection, chatbots, document processing. Low-hanging fruit — quick savings, team experience and political momentum.

KPI: 10–20% savings in pilot
Step 2

Reshape

End-to-end process redesign

Credit, operations and servicing rebuilt around AI. Half the team retrained, 5–10 new AI roles introduced into the org chart.

KPI: 15–20% in operations
Step 3

Invent

New business models

Dynamic pricing, embedded finance, partner ecosystems. AI-first culture and new product lines on the existing client base.

KPI: 30–40% + new revenue streams
Roadmap

18 months — measurable each phase

No "pilots for the sake of pilots". Each phase ends with a number on the P&L — savings, new revenue, or capacity unlocked.

Phase 1 · Baseline
Month 1

Audit & AI maturity

  • AI maturity matrix across 12 dimensions
  • Blind-spot mapping
  • Growth-area prioritization
  • 18-month business case
→ Diagnosis in 30 days
Phase 2 · Quick wins
Months 2–4

Scale & quick wins

  • 2–3 low-hanging fruits
  • Fraud detection / chatbots
  • Document processing
  • First proof of concept
→ 10–20% savings
Phase 3 · Reshape
Months 5–12

Reshape the core

  • Credit & loans: automated risk scoring
  • Operations: RPA in back-office
  • 50% of team retrained
  • 5–10 new AI roles
→ 15–20% in operations
Phase 4 · Invent
Months 10–18

Invent & culture

  • Real-time dynamic pricing
  • Embedded finance with partners
  • 50%+ upskilled in AI
  • Prompt engineers, AI trainers
→ 30–40% + new revenue
The mechanism

All 5 signs in one contour — the AI-Hub

Not an "AI department". Not a pile of pilots. A single intelligent layer between data and channels — sense → decide → act. One client context, one audit trail.

Sign 03 · Channels
Embedded touchpoints
Mobile, WhatsApp, partners, marketplaces
Sign 01 · Decisions
Real-time pricing
Personal rate and offer in milliseconds
Sign 05 · Data
Core / DWH / events
Stream from every system in the bank
Ratexa / AI-Hub
AI·Hub
Client context · decisions · audit trail in one point
Sign 02 · Decisions
Risk · Fraud · AML
Scoring and screening in milliseconds
Sign 04 · Agents
AI back-office agents
Docs, reporting, RPA with human-in-the-loop
Governance
Audit trail · regulator
Full trace of AI decisions for the regulator
1. Sense — signal perception
2. Decide — model orchestration
3. Act — action in channel
Step zero

Spin off the tech company from the bank perimeter

The main reason 95% of banks stall — transformation runs "inside the IT department". Our remedy: a separate tech entity with a Dream Team, set up before any line of code is written.

Step zero

We place the technology executor outside the bank

  • ✓ Separate legal entity, own perimeter, own hiring processes
  • ✓ Agile without banking-compliance gridlock
  • ✓ Ability to hire top engineers from the market
  • ✓ Legacy refactoring 5–7× faster with AI in the loop
  • ✓ Internal development velocity changes fundamentally

Done in 60 days: incorporation, team, first sprints.

Dream team

Banking insiders with international experience

All with C-level experience in banking transformations. Citibank · Barclays · Accenture · Deloitte and other tier-1 banks and consultancies.

  • Aleksandr Seldemirov
    CEO Ratexa.ai · visionary, digital product lead
  • Sergey Leonidov
    Ex Digital Director at a top global digital bank · founder of a leading regional financial marketplace
  • Roman Taranov
    PhD · Ex Digital Director Accenture Europe · Ex Partner Deloitte Europe
  • Dmitry Shishkin
    Ex CTO Citibank, Barclays · global banking technology leader
Self-assessment

Check-up your Bank or Company for AI-Readiness

Structured diagnostic across 12 dimensions. 20–35 minutes. Auto-saves locally. We use it as the input for every 60-minute strategy session.

Start the diagnostic