Kyndryl has completed a cloud-enabled agentic AI proof of concept with Incore Bank, a Swiss private bank, using Google Cloud’s Gemini models to help automate customer onboarding and risk assessment for banks.
The proof of concept was designed to show how agentic AI could support a more efficient, explainable and fully auditable Know Your Customer (KYC) process, while keeping human oversight embedded throughout.
Kyndryl worked alongside Incore Bank and Google Cloud to test whether automation could ease the burden of gathering, verifying and reconciling evidence across multiple documents, systems and data sources, a task that traditionally slows onboarding and ties up compliance teams in repetitive manual work.
The solution combines Kyndryl’s Agentic AI Framework with Google’s Gemini models, adding a semantic layer built on Kyndryl’s policy as code capability and guardrail agents. Together, these elements allow the system to run end-to-end risk assessments, both at onboarding and through ongoing reviews, while continuously tracking changes in a customer’s circumstances.
Multiple AI agents operate across structured and unstructured data, internal systems and trusted external sources, handling tasks such as extracting and validating customer information, gathering evidence, identifying risk factors, producing explainable risk scores and generating auditable decision records for compliance staff.
During testing, the solution reached up to 99% accuracy when automatically extracting data from onboarding documentation, and showed potential to shrink onboarding timelines from months to days. It also freed compliance professionals to focus on more judgement-intensive cases, without sacrificing transparency or control.
Kyndryl describes itself as a leading provider of mission-critical enterprise technology services, serving many of the world’s largest organisations. Incore Bank is a Swiss bank focused on regulated, trust-driven financial services.
Incore Bank CEO Mark Dambacher said, “At Incore Bank, we believe innovation must go hand in hand with trust, transparency and strong regulatory governance. The proof of concept we completed with Kyndryl and Google Cloud shows how cloud-enabled agentic AI can help banks assess both prospective and existing customers more efficiently while maintaining the rigorous oversight and controls required in a regulated environment.
By reducing manual effort and supporting consistent, transparent decision-making, the solution has the potential to strengthen customer risk management across the entire customer lifecycle.”
Kyndryl Alps managing director and vice president Jacqueline Wild said, “Agentic AI is the next stage in the evolution of enterprise AI, orchestrating complex business workflows. In highly regulated industries such as banking, success depends on strong governance, explainability, auditability, secure data access and human oversight.
By leveraging Kyndryl’s Agentic AI Framework and policy as code capability, our work with Incore Bank and Google Cloud shows how organizations can modernize critical processes while maintaining the trust, control and regulatory rigor that banking demands.”
Copyright © 2026 FinTech Global
