Success cases

Banks already on the AI-Native path

We don't publish hypothetical case studies. Below — programmes in flight, with KPIs validated on the P&L. More references available under NDA on request.

In progress · 2025–2026 Reference case

Evocabank — Armenia · from classic to AI-Native

A top-5 Armenian bank in active AI transformation. Ratexa.ai runs the external engineering contour outside the bank perimeter, while the bank retains full IP and decision rights. Phase 1–2 complete, Phase 3 in flight.

Programme phases

Phase 1 — Audit + AI maturity matrix (Q4 2025)
Phase 2 — Fraud detection + document AI (Q1 2026)
Phase 3 — Credit scoring + back-office RPA (Q2–Q3 2026)
Phase 4 — Embedded finance + dynamic pricing (Q4 2026)

−38%

cost optimisation in year one

35%

payroll + IT resources reallocated to growth

−54%

legacy development budget

×5–7

feature delivery velocity with AI-driven refactoring

Under NDA

CIS regional bank · core modernisation

A 2.5-year programme: legacy core decomposition, new digital banking, AI-driven risk scoring. References available after NDA.

Under NDA

Insurance partner platform · B2B2C

White-label banking-insurance contour: unified product registry, automated settlements, partner onboarding in days, not quarters.

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.

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