PLATMA connects your systems and the public and closed registries you can't reach today, then puts agents on top that enrich, advise and show their work — all on your own infrastructure.
PLATMA's core is not a black box. It is a human-in-the-loop compliance assistant that sits alongside your core banking system — every AI recommendation is logged, and a person makes the final call. That maps directly onto the two requirements regulators care about most.
Each recommendation the AI makes — its inputs, confidence, rationale and the model version behind it — is written to an immutable decision log. When a regulator or auditor asks "why did the system flag this?", the answer is one query away.
The AI never acts on its own. An officer accepts, modifies or rejects every recommendation, and the reason for any override is captured. Meaningful human control is built into the workflow, not bolted on afterwards.
The EU AI Act becomes fully applicable, including the high-risk requirements for record-keeping (Art. 12) and human oversight (Art. 14). Some obligations for stand-alone high-risk systems are being phased under the 2026 simplification package — but logging and oversight are foundational either way.
The EU AI Act has become the de-facto global reference for trustworthy AI governance. Building to its logging and human-oversight standard is a signal your supervisors, correspondent banks and partners recognise — well beyond the EU's borders.
Each module solves a concrete entrepreneur task and triggers the right bank product at the right moment.
AI looks at 90 days of transactions and tells the owner about runway, gaps, and concentration risk. With recommendations.
Simplified vs general regime — concrete figures of savings. Built-in payment calendar.
Pre-flight compliance check before sending money: sanctions, AML, beneficiary verification.
Morning brief: today's priority, risk focus, deal opportunities. By email at 09:00 and in the cabinet.
AML / KYC / SWIFT / Sanctions / Smart Onboarding — one engine, shared audit trail.
Composite score 0–100 per banker. Transparent ROI of every RM. Leaderboard with medals.
What happens when an owner asks the AI for a cashflow brief. Eleven orchestration nodes pulling data from internal systems, the tax authority and the AI engine — composed into one response.
Without separate systems for compliance, sales and self-service. Everything integrated with real-time cross-cabinet data.
Personal cabinet where the owner sees the whole business: sales, finance, taxes, competitors — in one window.
Open Owner PortalPortal that automatically highlights hot clients ready to buy. Manager works only with prepared offers.
Open Banker PortalCompliance Center for AML/KYC/Sanctions, audit dashboard, banker effectiveness leaderboard, support inbox.
Open Ops PortalContainerised stack. On-premise. Three security zones — DMZ, application, data — with one controlled outbound channel for the AI engine. No bank data leaves the perimeter.
PLATMA does not replace your ABS. It sits alongside it as the AI + human-in-the-loop compliance layer. The exchange is the same regardless of which core system you run.
Connecting a specific core system is a configuration step — the connector adapts to its API, the logic above stays the same. No rip-and-replace of your existing banking platform.
PLATMA is part of the Asseco group — a banking-technology leader with €4B annual revenue and presence in dozens of countries.
One of the most prestigious financial innovation competitions in the world.
Government-backed tech ecosystem resident with full state-supported infrastructure.
€4B annual revenue, dozens of countries, deep banking-tech expertise.
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