@Human forFinancial services and insurance
Faster claims and fairer outcomes, with every decision explained.
Build claims desks, complaints tools and customer apps where AI explains itself, people approve outcomes and your Consumer Duty and EU AI Act evidence builds as you go.
- EU AI Act Annex III
- Consumer Duty evidence
- Full audit trail
What's slowing AI down in financial services
The pressure is real, and so are the rules. Here's what teams like yours are up against.
Pricing and credit AI is high-risk
The EU AI Act lists creditworthiness assessment and life and health insurance risk pricing as high-risk uses, with duties for oversight, logging and data governance.
Outcomes must be fair and evidenced
UK firms must show good customer outcomes, including for vulnerable customers. Black-box automation makes that hard to prove.
Operations can't depend on one AI vendor
Operational resilience rules such as DORA expect you to manage third-party ICT risk. Lock-in to a single AI provider is a risk in itself.
Applications you could build with @Human
Beautiful, everyday tools for your teams and the people you serve, each one a governed project from the first line.
Claims Desk
Photos, assessments and settlement in one view, with explainable fraud signals and vulnerability flags for the handler.
Complaints & Consumer Duty
Complaints, root causes, time to resolve and fair-value outcomes, ready for the board pack.
My Claim
Customers follow their claim step by step and meet their named handler, without chasing by phone.
Example apps with illustrative data, showing what can be built on @Human.
Governance built for financial services
Every @Human app moves through six stages, from setup to compliance evidence. These are the parts that matter most to you.
Explainable by design
Risk scenarios and policies require every AI signal to show its reasons before it reaches a handler.
Approval gates on outcomes
Payments, refusals and pricing changes need a named person's sign-off.
Vulnerability-aware
Record vulnerable groups in risk scenarios and route those customers to the right people automatically.
Change control
Any change to a model, rule or field triggers an impact review before release.
Third-party risk
Swap AI providers without rebuilding, and keep core operations running without AI.
Evidence for regulators
EU AI Act, ISO/IEC 42001 and GDPR mappings, plus your own conduct and resilience frameworks.
AI can propose. People decide. In @Human, AI can prepare work but can never approve or publish a release.
Cheaper to run. Impossible to lock in.
@Human favours tested, programmatic automation wherever the choice exists, so your apps cost less, behave the same every time, and keep working without AI.
Lower token costs
Claim routing, chasing and reporting run as automation. AI is used for summaries and signals.
Operational resilience
Claims and complaints keep moving if an AI provider fails or changes terms.
Pre-tested changes
Rules are tried in a draft version and approved before customers are affected.
Reusable controls
Policies and risk frameworks carry across products and business lines.
Can @Human support Consumer Duty evidence?
Yes. Versioned policies, outcome reporting, vulnerability flags and approval trails help you evidence fair outcomes. Compliance remains your firm's responsibility.
How does @Human reduce AI vendor risk?
You choose any AI provider, can switch without rebuilding, and core processes run without AI, which reduces dependency on any single vendor.
Is every AI suggestion logged?
Yes. Suggestions, decisions, changes and releases are recorded in the event log.
Can we run it in our own cloud?
Yes. @Human is software you run in the cloud you choose or on your own servers.