How Banks Can Use AI in 2025: The Top Tools That Actually Drive Impact

Artificial intelligence is no longer a future promise for the banking industry — it’s a present-day priority. Banks of all sizes are exploring ways to use AI to modernize legacy systems, enhance risk management, streamline operations, and deliver smarter, faster customer experiences.

But with thousands of AI tools flooding the market, how do financial institutions separate the signal from the noise? The answer lies in choosing tools that are trusted by real operators, vetted by industry experts, and proven in real-world use cases.

Here are some of the top AI tools banks are leveraging in 2025 — based on the TrustedBy collection — and how they’re actually driving business impact:

1. FlowX.AI – Modernize Digital Banking Experiences

FlowX.AI enables banks to build modern applications on top of legacy systems. Instead of ripping out core infrastructure, banks can rapidly launch new digital experiences in weeks. From omnichannel apps to internal portals, FlowX.AI dramatically reduces time-to-market and cost for digital transformation initiatives.

2. Clarity AI – AI Co-Pilot for Financial Crime Investigations

Clarity AI (getclarity.ai) helps banks automate AML investigations and compliance reporting. It summarizes case data, extracts key insights, and drafts SAR narratives in seconds. This enables financial crime teams to investigate faster, handle more cases, and improve report quality.

3. Lama AI – Streamline Commercial Lending

Lama AI helps banks automate commercial loan origination and underwriting. With integrations into financial data sources, Lama AI enables banks to digitize the end-to-end business lending process — from pre-qualification to decisioning — reducing manual work and improving borrower experience.

4. Moderne – Modernize Codebases with AI

Moderne automates large-scale code transformations, helping banks modernize legacy software systems. It reduces tech debt and accelerates migrations to more secure, scalable code — critical for regulated industries that rely on outdated but essential infrastructure.

5. Reality Defender – Defend Against Deepfakes and Synthetic Fraud

Reality Defender detects AI-generated media, including deepfake audio, video, and images. Banks can use it to combat synthetic identity fraud, ensure authenticity in communications, and protect customer onboarding from manipulated documents or impersonation.

6. Arteria AI – AI for Contract Lifecycle Management

Arteria AI transforms how banks manage contracts. It uses structured data and machine learning to streamline contract creation, negotiation, and tracking — enabling faster deal execution, regulatory alignment, and greater visibility across counterparties.

7. FairPlay – Ensure Fair and Bias-Free Lending Decisions

FairPlay brings “Fairness-as-a-Service” to lending. It audits lending models for bias, ensuring that decisions are equitable and compliant with fair lending laws. Banks use it to meet regulatory expectations while expanding access to underserved borrowers.

8. Pindrop – Voice-Based Fraud Detection and Authentication

Pindrop secures voice interactions in call centers and phone banking by analyzing voiceprints and detecting anomalies. It identifies fraudulent callers in real time and verifies legitimate customers, reducing fraud and improving customer experience.

9. ModelOp – AI Model Governance for the Enterprise

ModelOp enables banks to manage the lifecycle of AI models — from inventory and monitoring to governance and compliance. It ensures models in production remain auditable, explainable, and aligned with internal policies and external regulations.

10. Mechanical Orchard – Modernize Legacy Systems Safely

Mechanical Orchard helps banks update legacy systems through AI-assisted modernization. Using reverse engineering and iterative development, it minimizes risk while transforming core infrastructure to support future innovation.

How Banks Are Using AI to Compete in 2025

The most successful banks in 2025 aren’t deploying AI just because it’s trendy — they’re using it to solve high-impact problems:

• Automating compliance and reducing financial crime investigation time
• Launching new digital products without re-platforming
• Accelerating lending decisions and improving access to capital
• Detecting fraud across voice, text, and synthetic media
• Ensuring fair, ethical, and explainable AI model use

With AI tools like these, banks can not only keep up with fintech competitors — they can leap ahead.

Want to explore more tools like these? Check out the full collection: Best AI for Banks in 2025.