Banking · Financial services · Insurance
AI for banks and insurers that stands up to an audit.
Wayra AI Agency Limited builds and licenses AI products for Bangladesh's banking, financial services and insurance sector. Decisions are made by deterministic logic that a supervisor can read and re-run. AI does the work it is actually good at — reading documents and drafting language.
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In production at Dutch-Bangla Bank PLC
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Live since July 2026 at Pragati Life Insurance PLC
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On-premises or sovereign cloud — your data does not leave your control
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Dhaka, Bangladesh — a team of 12
The problem we build around
Most AI systems sold into financial services cannot answer the only question that matters when something goes wrong: why did the system decide that, on that day, under that rule?
A model that scores a credit application well on average is not the same as a system whose decisions can be reconstructed, explained and defended in front of an internal auditor, a Bangladesh Bank inspection or a BFIU query.
We build for the second case.
How we build
Deterministic logic for decisions. AI for extraction and narrative.
This is an architectural constraint, not a preference.
Rules make the decisions
Scoring, thresholds, eligibility and compliance outcomes are computed by explicit, versioned rules. A supervisor can read them and run them again.
AI handles the unstructured work
Language models read documents, restructure extracted text and draft narratives. Their output goes to a human for review. It is never treated as a decision on its own.
Everything is written down
Every material step writes to an immutable audit trail, so a decision made months ago can be reconstructed exactly as it was made.
Exceptions go to people
Low-confidence extractions and edge cases are routed to a human reviewer by design, rather than being silently accepted.
The shape of a Wayra system
Where it runs
Your data does not leave your control.
Wayra systems run on-premises inside your institution, or on in-country sovereign cloud infrastructure. Customer data does not leave your control, and no client data is sent to third-party model providers. Language models run locally on infrastructure you own.
This is built for Bangladesh Bank and BFIU data-residency requirements, not retrofitted to them.
- 1 On-premises or in-country sovereign cloud
- 2 No client data sent to third-party model providers
- 3 Language models run locally, on infrastructure you own
What we have delivered
Two institutions are running Wayra systems today.
Dutch-Bangla Bank PLC
AI-Based Bank Statement Analyzer
Statement analysis for SME lending that previously took a team of 23 and over a month now runs with 2 staff and same-day decisions, across more than 10,000 statement pages a month. The bank's letter of appreciation records 98% processing accuracy.
- staff on the same volume
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23 → 2
- from over a month
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Same-day
- statement pages a month
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10,000+
- processing accuracy
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98%
Pragati Life Insurance PLC
Underwriting 360° Knowledge Base
A retrieval-augmented knowledge base covering the full underwriting domain, live since July 2026, answering underwriter queries from the insurer's own governed source material with references attached.
- live in production
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July 2026
- underwriting domain coverage
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360°
- references with every answer
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Sourced
Our products
Five products, one architectural principle.
Status is stated honestly. Products marked under development are not yet deployed at a client site.
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Bank Statement Analyzer
In productionOCR and AI extraction of bank statements into structured, core-system-ready output for SME credit assessment.
Learn more -
Underwriting Knowledge Assistant
In productionRetrieval-augmented knowledge base for the underwriting domain, answering practitioner queries from governed source documents.
Learn more -
Datario — Enterprise Intelligence OS
Validated on live dataHybrid text-to-SQL and retrieval architecture for BFSI analytics: structured reporting, operational insight and API-based data access.
Learn more -
VERIS
Under developmentAML and financial-crime intelligence. A five-layer scoring engine, with AI used only to draft STR narratives.
Learn more -
CrediSightAI
Under developmentSME credit decisioning and financial spreading. Deterministic scoring, with AI used for document extraction and appraisal-memo narration.
Learn more
How we license
A perpetual enterprise licence. Not a subscription that can be withdrawn.
You receive a perpetual enterprise licence. We retain the intellectual property and keep developing the product. There is no annual subscription that can be withdrawn, and no dependency on a foreign vendor's roadmap for a system your regulator holds you accountable for.
Built in Bangladesh, for institutions Bangladesh regulates.
Talk to us about a pilot, a demonstration, or a technical walkthrough of how a Wayra system would be audited.