Creatio plans to invest $300 million in its Bank.AI platform between 2026 and 2028, directing the spending toward product development, AI agents, customer training and implementation partners. The commitment is a company investment program, not an external funding round for Creatio or a $300 million allocation to one bank.
The company said its financial-services business grew 48% from the previous year. It did not disclose the revenue base behind that percentage, the annual split of the planned investment or how much will be recorded as research and development, staffing, acquisitions or partner support.
Three Groups of Banking Agents
Bank.AI combines Creatio’s customer-relationship and workflow software with pre-built agents for growth, service and operations. Growth agents are intended to support acquisition, onboarding and expansion of customer relationships. Service agents cover customer requests and case resolution, while operations agents are aimed at compliance, regulatory reporting and middle- and back-office processes.
The investment will also fund Creatio’s AI Studio, including no-code design tools, governance controls, integrations, model management, security and monitoring. The company’s proposition is that a bank can configure human and automated work on one platform rather than build separate systems for each use case.
Katherine Kostereva, CEO of Creatio, said: “The next generation of banking will be built around people and AI agents working together across customer and operational workflows.”
Creatio lists Nasdaq, First National Bank of Pennsylvania, Metro Bank, MetLife, CEC Bank, OTP Bank, the National Bank of Panama and ESL Credit Union among its financial-services relationships. The announcement does not say that every named organization uses Bank.AI or all of the agents covered by the new investment.
Deployment and Governance Are the Harder Part
Creatio will expand training, AI accelerator workshops and sector-specific guidance for customers and partners. It also plans to increase the capacity of implementation firms that configure and deploy the platform for financial institutions.
That emphasis addresses a recurring obstacle in bank automation. A model can generate an answer quickly, but production deployment requires permissions, data lineage, audit records, human escalation and controls over which actions an agent may execute. FinanceFeeds has covered how Duco is applying agents to post-trade operations and how Sumsub lets agents configure compliance workflows.
Other providers are targeting narrower banking functions. ebankIT built an assistant for transactional banking, while Nasdaq Verafin introduced agents for anti-money laundering work. Creatio is taking a broader platform approach spanning customer management and operations.
A Three-Year Commitment Without a Spending Breakdown
The $300 million headline signals the intended scale of the project, but the release does not provide milestones against which customers can measure delivery. Relevant measures would include the number of agents available in production, implementation time, error and escalation rates, customer adoption and the proportion of automated work reviewed by employees.
The company has also launched the Bank.AI information hub and scheduled banking events for September and October. Those activities support sales and education, but they are separate from evidence that agents have improved outcomes inside a regulated institution.
The broader market is moving beyond chat interfaces toward systems that can initiate work. FinanceFeeds has examined why memory and changing financial context remain difficult for agents. Creatio’s spending plan will therefore be judged on governance and observable performance as much as on the number of automated workflows it releases.
