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Ratexa.ai
Check-up your Bank
Whom we sell

Built for banks that actually want to transform

We don't work with everyone. Honest pre-qualification beats a wasted year — here's where Ratexa creates value, and where it doesn't.

Mid-size & regional banks

Top-15 banks in their region with a clear ambition to enter the top-3 in the next 24 months. Owner or CEO directly sponsors the programme — we work with the people who can decide.

  • Retail and SME books
  • Brownfield core migrations
  • AI maturity from 1/5 to 3/5

Greenfield digital banks

Founders and CTOs building a bank from scratch. Looking for AI-Native architecture, senior engineers from day one and a partner who will still be there at year three.

  • Licensing in progress / fresh charter
  • No legacy to drag
  • Speed-to-market is the moat

Enterprises in financial services

Insurers, brokers, embedded-finance platforms and fintech rollups. You need a banking-grade engineering contour outside the perimeter, not another integrator.

  • B2B2C partnerships at scale
  • Compliance-heavy product launches
  • AI agents in operations
A good fit

Ambitious owners aiming for top-3

  • ✓ Mid-size bank or top-15 in the region with a #1 ambition
  • ✓ Shareholder or CEO personally sponsors the transformation
  • ✓ Decision horizon — 18–36 months, not a single quarter
  • ✓ Readiness to spin off a tech entity outside the bank perimeter
  • ✓ Budget $3–10M for the transformation programme, not just software
Not a fit

When transformation is only "on paper"

  • ✗ Want to "try AI" without changing org structure
  • ✗ Want everything done inside the IT department
  • ✗ Need a slide deck for the board, not a result
  • ✗ Horizon — a quarter, KPI — "pilot shipped"
  • ✗ No one is empowered to make decisions
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