Creatio Launches Six Pre-Built AI Agents for the Banking Industry

At a Glance

• Software vendor Creatio announced on Thursday the launch of six prebuilt AI agents for the banking industry, focused on revenue growth and operational excellence, deployable either on the Creatio platform or standalone.
• The referral agent, renewal agent, and retention agent focus on generating additional revenue, while the customer onboarding agent, loan preparation agent, and loan servicing agent aim to improve banking workflows, Creatio Chief Growth Officer Andie Dovgan told CIO Dive.
• “We’ve seen a lot of success with standalone agents that can act like digital employees to help solve problems and can sit on top of existing tech stacks,” Dovgan said.

Deep Dive

Banks are experimenting with AI agents as digital employees to automate routine tasks, improve operational processes, and generate return on investment.

Morgan Stanley Wealth Management is developing multiple AI agents, orchestrated by a “super agent,” Morgan Stanley Wealth Management Head Jed Finn said Tuesday at the UBS Financial Services Conference 2026. The first super agent in development focuses on branch operations, Finn said.

Finn said during the conference that the super agent will work alongside customer service associates and can retrieve information and execute actions, including beneficiary changes, account openings, and money transfers.

“The goal is to automate a lot of the routine tasks so our client service associates can spend more time on higher-value tasks, such as engaging with clients,” Finn said.

BNY has hired dozens of AI-powered digital employees, its Chief Information Officer Leigh-Ann Russell said at the Gartner IT Symposium/Xpo in October. These “digital engineers” can independently fix low-complexity code issues and submit completion reports to human managers, Russell said.

As large banks develop digital employees internally, vendors are also rolling out their own offerings, including platforms for building agents. Salesforce’s Agentforce for Financial Services includes AI agents designed for banking, insurance, and wealth management companies.

Although Creatio offers an AI agent platform, its recently launched agent suite can be deployed independently of the platform.

Dovgan said that without changing their tech stack, banks can deploy these agents to achieve “very quick wins in referrals, renewals, or retention” and improve customer experience. Banks deploying the agents can track performance through dashboards, such as how many referrals the referral agent generates and how many of those referrals convert into sales.

According to Creatio, the agents are designed to “independently execute and orchestrate end-to-end banking workflows” and can run across productivity tools, including Microsoft Teams, Outlook, and Zoom.

Dovgan said financial services accounts for about 35% of Creatio’s revenue, which helped the company build agents tailored to banking. He added that deploying an agent takes about 10 weeks.

“We distilled standalone agents that specifically address the problems banks are facing,” Dovgan said.

Although the agents are designed to independently coordinate decisions, actions, and handoffs across systems, human-in-the-loop controls remain in place, according to Creatio.

The agents are designed to deliver tangible business outcomes, Creatio Senior Vice President of Industry Units Burley Kawasaki told CIO Dive.

“Banks are moving beyond pilots into actual implementation,” Kawasaki said. “What we’re seeing them really focus on is, ‘How do I actually achieve ROI.’”

Correction: This story has been updated to reflect that Leigh-Ann Russell is the chief information officer at BNY.