Services · Mobile app development · Banking AI agents
Codeeo offers banking AI agent development UK banks, building societies and specialist lenders can defend to the FCA, the PRA and their own boards. We design agents that prepare cases, monitor outcomes, maintain registers and assist colleagues across the four nations, each with documented permissions, human approval where it matters, and the evidence your accountable senior managers need. The aim is simple: less manual handling, better customer outcomes, and no gap in accountability.
UK banking has no single AI rulebook. Instead, Consumer Duty, operational resilience, SM&CR, model risk, outsourcing, data protection and equality law all apply to an agent at once. We design with all of them in view, so a pilot does not stall at governance when you try to scale it nationally.
200+ companies servedFrom a first store to an ADX listed developer
National capabilities
A bank operating nationally faces a different problem from a single office. Processes vary between sites, customers in Scotland and Northern Ireland are covered by different legal rules in areas such as debt and property, Welsh speaking customers may expect service in Welsh, and every team reads the same regulatory output slightly differently. An agent rolled out nationally has to cope with all of that while staying consistent.
The capabilities below are the ones that matter most at national scale. Several are about governance itself, because a firm running many agents needs agents that help keep track of agents. Others serve customers and colleagues directly. In every case, the decision on a customer's money, credit or complaint stays with a person or a tested rule, and the agent's work is recorded so it can be explained later.
The agent links FCA Handbook rules, PRA rulebook provisions and supervisory statements to your internal policies, controls and owners. When a rule changes, it shows every control affected and drafts the update for the policy owner, giving compliance a live map instead of a spreadsheet that ages the day it is finished.
A current, traceable link between each rule and the control that meets it.
The agent reads complaints, call notes, product data and customer feedback and looks for signs of poor outcomes, broken down by product and customer group, including customers with characteristics of vulnerability. It drafts findings for product governance forums and gathers evidence for the annual board report.
Earlier sight of outcomes that differ between customer groups.
Debt solutions differ between England and Wales, Scotland and Northern Ireland. When preparing a financial difficulty case, the agent identifies where the customer lives, applies the correct rules for that jurisdiction, and points colleagues to the right free debt advice routes, so no customer is given options that do not apply to them.
Correct, jurisdiction specific guidance for every customer in arrears.
Model providers, cloud platforms and data vendors are third parties. The agent keeps your register current, reads contracts for exit, audit and data clauses, and flags arrangements that may be material outsourcing under PRA SS2/21 so the right notifications and assessments happen on time.
Your AI supply chain recorded as carefully as any other outsourcing.
Under the FCA and PRA operational resilience rules, firms must map important business services and test that they can stay within impact tolerances in severe but plausible scenarios. The agent drafts scenarios from incident history and supplier data, traces dependencies, and records results for the self assessment, including scenarios where an AI provider itself fails.
Resilience testing that includes the agents you now depend on.
Every agent and model in use is logged with its purpose, owner, data, limitations, test results and approval status. The agent drafts and updates documentation as changes are made, aligned with the principles in PRA SS1/23 on model risk management where your firm applies them.
One inventory that model risk and audit can trust.
A customer facing agent built to WCAG 2.2 works with screen readers, keyboard navigation and text resizing, offers plain language answers, and records requests for reasonable adjustments under the Equality Act 2010 so they follow the customer across channels and sites.
Disabled customers served as well online as in any branch.
Where you offer service in Welsh, the agent answers in Welsh using approved wording, keeps an English record for audit, and hands over to Welsh speaking colleagues where you have them. Content is reviewed by fluent speakers before release.
Welsh speaking customers served in their own language.
Faster Payments, Bacs and CHAPS each have their own exceptions, cut offs and recall routes. The agent identifies the scheme involved, gathers the status, drafts the correct request and tracks it, so operations teams in different sites handle exceptions the same way. It also explains Confirmation of Payee results to colleagues handling queries.
Consistent exception handling, wherever the case lands.
For remote account opening, the agent works with your identity verification providers, including certified digital verification services where you use them, collects missing evidence, explains rejections plainly and routes unusual cases to analysts under your Money Laundering Regulations procedures.
Fewer abandoned applications and cleaner onboarding files.
Who this is for
Our AI agent development for banks across the UK tends to start in one of four places. What they share is scale: many sites, many teams and a governance process that will look hard at anything new. A good first agent proves value in one area while setting up the controls, inventories and monitoring the next ten agents will reuse.
When the same process runs in Glasgow, Leeds, Cardiff and Belfast, differences creep in. A colleague facing agent that applies one documented procedure, adapted for local law where needed, raises consistency while reducing handling time. We plan rollout site by site, with a comparison group at each stage so you can see whether results hold as volumes and teams change. Each site also gets a named local champion who collects colleague feedback during the pilot, so problems specific to one location surface quickly.
Roll out by site, measuring at each step.
App-first banks have customers in every postcode and no branches to fall back on. Customer facing agents must handle accessibility, vulnerability and jurisdiction from day one. We build in your stack with your engineers and make sure every customer can reach a person, which matters for Consumer Duty and for trust. Because you may also offer payment initiation and account aggregation through Open Banking, the agent can explain those connections clearly and send customers to the right consent screens.
Every channel keeps a route to a person.
Societies balance local branches with national lending. Internal agents for mortgage processing, policy lookup and complaint preparation help staff in every branch give the same accurate answer, without changing the personal service members value. The build is sized for a mutual's technology team and documented so it can be supported without us. Where the society has a regional identity, approved wording can reflect it, while the underlying rules, logs and controls stay identical across every branch.
Lenders in buy to let, bridging, asset finance or commercial mortgages deal with brokers across the country and heavy document flows. Agents that read submissions, identify gaps and keep brokers informed shorten the path to underwriting, while every credit decision stays with underwriters and credit committees. Brokers receive accurate, consistent status updates through the channel they already use, which reduces chasing calls into your underwriting teams.
Underwriters keep the decision; the agent keeps the file moving.
Engagement
Codeeo has no UK office. Our team works remotely with UK clients, running discovery, design reviews and pilot check-ins by video call, with every decision recorded in your own systems. Codeeo has 80+ people based in Dubai, Riyadh and Karachi, 200+ projects delivered across the UAE and the US, and a 4.7 rating from 23 Google reviews.
National programmes usually begin with a fixed scope pilot, move to a retainer for further agents and model updates, and sometimes add a dedicated team that works within your portfolio governance and release calendar.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
We use commercial models through UK or EU cloud regions, or open weight models inside your tenancy, according to your data and outsourcing policies. Agents connect to core banking, payments, case management, identity and data platforms through their interfaces, with tracing, evaluation and monitoring built in from the start. For national rollouts we keep one shared platform for retrieval, logging and evaluation, so each new agent reuses approved components and only its task specific logic needs fresh review by your risk teams.
01Mobile
02Data and cloud
03Marketing and tracking
It depends mostly on governance and integration, not on the model.
The build itself is rarely the slow part. Time goes into data access, security testing, data protection impact assessments, model risk validation and outsourcing assessments. We agree a plan after discovery that sets out each stage and who approves it, and we prepare the evidence those approvers will need in parallel with the build, so governance does not become a queue at the end.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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