Data, Cloud and AI delivery

We build with banks - and leave them faster than we found them.

Aicura's top data scientists and engineers work with banks to modernise legacy banking technology — rethinking delivery with modular solutions and in-house agents to improve customer experience and automate operations.

At Aicura we believe rapid execution is the main determinant of success. We have applied our approach for more than 15 years to deliver digital solutions that have transformed our clients' customer journeys and internal operations. We are now doing this even faster with modern tooling, AI agents and revolutionary thinking — increasing our clients' pace of execution and resilience permanently.

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Trusted by

Coutts

Lombard

Allica Bank

Arie Finance

65,000

SME accounts opened

£250m

Commercial lending enabled

$1bn

Payments supported

15+ yrs

In UK regulated delivery

100%

Senior delivery team

Why we exist

Your competitors ship ten times a day. You ship every two weeks.

The gap between banks and digitally native competitors is not a technology gap. It is an execution gap — legacy infrastructure and ways of working that reinforce each other until every release takes a fortnight and a third of your engineering effort goes to keeping the lights on. Aicura Solutions closes both sides of that gap: the platform underneath, and the operating model on top of it.

AI in production, under control.

We implement the platforms that let you support, operate and maintain generative AI and machine learning across your organisation — integrating models, components and algorithms directly into your digital products rather than bolting them on the side. Responsible governance, user-centred design and security are built in from the start, so you innovate faster while keeping AI systems controlled, explainable and aligned to what the business actually needs.

AI platform engineering
Model integration
Responsible AI governance
Security and control
MLOps
Adoption and enablement

Customer experience

Test it with real users before you fund it.

We bring ideas to life quickly through low- and high-fidelity prototypes, so teams can explore concepts, gather feedback and refine early. Testing with real users surfaces usability problems and validates design decisions before you commit to full development. We also bring a growing set of ready-built retail products for the moments customers are most exposed and most expensive to serve — scam and fraud checking, unusual spending alerts, plain-English explanations of bank letters. Tested and ready to white-label into your app rather than added to a two-year roadmap.

Rapid prototyping
User testing
Journey design
Scam and fraud checking
Spending alerts
White-label ready

Operational efficiency

Agents that reach production and stay there.

We rethink end-to-end journeys and roles in light of what agentic AI can now do, applying deep banking knowledge and weighing both the customer experience and the operational consequences. Then we build the agents for the journeys that consume your operations — onboarding, KYC and refresh, financial crime, lending decisions, complaints — and we host and run them. Every decision is explainable and auditable, designed for FCA scrutiny from the first line of code. Agents that die in proof of concept are a governance problem, not a modelling one.

Onboarding
KYC and KYB refresh
AML and fraud
Lending decisions
Complaints
Hosted and monitored

Software delivery

Speed is a structure, not an attitude.

We use a structured, outcome-led approach that moves teams from early experimentation to scaled adoption without an endless queue of proofs of concept. Technology alone will not make a bank fast, so we redesign the operating model around it: durable cross-functional teams with single-threaded ownership, persistent funding instead of business cases, governance rebuilt as published guardrails rather than approval gates, and automated testing and progressive deployment so that shipping weekly is safe. We have written the board papers, not just the code.

Team topologies
Single-threaded ownership
Guardrail governance
Automated testing
CI/CD and progressive delivery
DORA metrics

Modernisation and platforms

Replace the core without stopping the bank.

We modernise legacy systems incrementally — improving, replacing, replatforming or re-architecting components without disrupting business continuity. Monoliths become modular, decoupled architectures, with event-driven design, microservices and domain-aligned services that improve scalability, resilience and agility. For core replacement we use a cloud pathfinder: a real product launched on a cloud landing zone with a modern customer data model, integrated back to your existing ledger and rails. It proves the architecture in production with real customers, then expands outward — retiring legacy product by product, before your on-premises estate forces a renewal decision on its own timetable. Security is embedded throughout, including identity, access control and network design, rather than retrofitted.

Cloud landing zone
Customer data model
Event-driven architecture
Microservices
Paved roads
Staged decommissioning

Our platform

How we do it.

Our agents don't run on a stack we assemble per client. They run on one platform, built for regulated environments.

One runtime for agents in production

A single runtime. Orchestration, models, retrieval, integrations and governance in one place, rather than a stack stitched together from six vendors.
Agents that work as one system. Knowledge agents, process agents, assistants and business logic coordinated toward a shared goal, not a scatter of disconnected pilots.
A cloud-native enterprise AI stack. NLU, generative AI, knowledge retrieval, agentic workflows, analytics and observability, pre-integrated.
Integration without core replacement. Prebuilt connectors, open APIs and event-driven triggers connect your systems and data securely, live in days rather than quarters.

Enterprise-grade from the ground up

Governance and explainability by design. Role-based permissions, audit trails, data minimisation and explainable decisions built into the architecture, not added after deployment.
Monitoring in production. See how agents are performing, how they reached a decision, and where they need improvement.
Deploy on your terms. Cloud, hybrid or fully on-premises — same codebase and same security controls in every topology. Your data stays where your policy requires.
Scale without losing control. High-volume, sensitive workflows at enterprise scale with compliance posture, context integrity and escalation paths intact.

How we work

Four moves, one clock.

01
Diagnose in weeks, not quarters
02
Prove it with a live pathfinder
03
Expand outward from what works
04
Hand you a team that can keep the pace

We work alongside your people, not around them. Knowledge transfer is contractual, not aspirational.

Work

Shipped, in regulated production.

End to end

Full banking platform, built and integrated

Complete platform delivered end to end for an international financial services client.

65,000

SME onboarding at scale

Accounts opened through journeys we designed and built.

£250m

Commercial lending unlocked

Lending revenue enabled through rebuilt decisioning.

Board

Execution strategy for a UK challenger bank

Cloud pathfinder, target operating model and governance redesign, taken to board.

Who we are

Aicura Solutions is led by founders who have spent their careers inside UK regulated banking. We don't staff with juniors, we don't subcontract, and we don't sell you a discovery phase. You get the people who've done it before, on the tools, from week one.

Core banking replacement for regulated institutions
Payments, ledger and product engine delivery
AI agents hosted and run in production
Fraud, KYC, AML and lending decisioning
FCA-facing controls, audit and evidencing
NatWest · TSB · RBS · Coutts · Lombard · Allica Bank · Deutsche Bank
Hellios FSQS registered supplier

Contact

Tell us what's stuck.

Straight to the founders. No qualification call, no discovery deck.

website@aicurasolutions.com

Tell us what's stuck. We'll tell you how fast it can move.

Book a call