Meniga, the hyper-personalised banking platform serving over 100 million banking customers worldwide, has unveiled Fini, a financial intelligence layer designed to underpin any bank’s AI assistant.
Fini is a standards-compliant MCP server that lets financial institutions embed agentic AI into their digital channels by drawing on Meniga’s financial intelligence.
The product was built in close collaboration with five major banks, a process intended to shape it around how large institutions actually want to approach the agentic era. Through Fini, any AI assistant can tap into Meniga’s personal finance, enrichment and insights capabilities, meaning conversations are rooted in a customer’s genuine, real-time financial circumstances.
The company said the launch moves banking away from a collection of disparate features towards a single conversational financial agent. Users can pose everyday queries in plain language, for instance, about their subscription costs or whether they can budget for a holiday, and receive immediate responses drawn from their own data, with the option to take action within the same conversation.
For banks, the benefits include stronger engagement, reduced support costs as routine queries are handled end-to-end, and richer signals about customer needs.
According to Meniga, the surge in GenAI adoption is pushing customer expectations away from static features and towards conversational experiences, with people seeking instant, personalised answers without trawling through dashboards.
While many banks have rolled out AI agents in response, the company noted that most have underwhelmed because of generic answers and limited awareness of individual circumstances.
Fini allows banks to build on their existing Meniga platform without rebuilding underlying systems. Customer data remains within the bank, with the assistant governed by the institution’s own guardrails, identity and access controls. The server is also model-agnostic, working with Claude, GPT, Gemini or a bank’s proprietary model, helping institutions avoid vendor lock-in.
Meniga operates as the intelligence and personalisation layer for large financial institutions across 30 countries, converting financial data into user insights and customer-centric digital experiences.
Meniga CEO Raj Soni said, “The banks that win agentic banking will be the ones that ground their conversational layer in real financial context. Not a generic chatbot, but an assistant that actually knows a customer’s spending patterns, their goals, and their upcoming bills, and is able to act on them. With Fini, banks can enter the AI-agent era on the platform they already trust, without rebuilding what’s underneath, and without their data ever leaving the bank.”
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