The next generation AI‑first banking platform — cloud‑native technology delivered as a fully managed service. In partnership between IBM and KPMG.
The combination of rising customer expectations and advancements in AI will continue to transform the ways customers interact with — and what they demand from — their banking service provider.
Banks that act now, with the right platform and the right partners, will define the next decade of financial services.
Banking experiences tailored to every customer's individual needs, delivered across channels they already live in.
Natural, intelligent interfaces that allow customers to interact with their bank through conversation — not menus.
Intelligent tools that help colleagues serve clients faster and with greater insight, transforming service delivery.
New business models that deliver banking services at the precise point of need — embedded, invisible, indispensable.
vAIrto brings together the complete banking stack within one managed platform — built with AI, operated with AI, and infused into every experience for clients and colleagues alike.
Mobile and digital banking, AI-powered client support, and intelligent colleague tools — serving clients faster with greater insight across every touchpoint.
The full lifecycle of account servicing and product administration — supporting efficient and resilient day-to-day banking operations.
A leading cloud-native core providing real-time ledger capabilities and programmable, flexible product design — engineered for modern banking.
Connectivity across major UK and international payment schemes — Faster Payments, Bacs, CHAPS, SEPA, and SWIFT.
Built with AI, operated with AI — explainability, auditability, and human oversight designed in from the ground up.
What makes vAIrto a fundamentally different proposition for banking transformation.
Modernisation without a high‑stakes, multi‑year core replacement programme — and without the hidden cost of a fragmented point‑solution landscape. Shared platform economics reduce total cost of ownership by 40% or more.
Standardised capabilities and APIs allow new products to be configured and launched in weeks, not years.
Continuously absorbs new technology and intelligent capability as it emerges.
3LoD risk model, dedicated security ops, aligned to UK regulated bank expectations from day one.
Real‑time, AI‑powered, human‑centred banking that preserves trust while operating with digital agility.
One engagement model, one commercial relationship, one team responsible for the full platform.
vAIrto is the result of a strategic ecosystem partnership between market leaders, each contributing proven, best‑in‑class capability. For banks, this means market‑leading technology through one managed platform — with a single point of accountability.
Leading systems integration, engineering delivery, AI infusion, and managed services — the backbone of platform delivery and ongoing operations.
Regulatory expertise, risk management, and transformation consulting — ensuring the platform meets the demands of a UK regulated bank.
A leading cloud-native core banking engine — providing real-time ledger capabilities and programmable, flexible product design at the heart of the platform.
Scalable, resilient, secure cloud infrastructure engineered for regulated banking — the foundation on which the entire platform runs.
An incremental, phased approach based on your organisational readiness, pace, and complexity.
Immersion, scoping, and collaborative solution blueprint. Defining MVP scope, business requirements, and success criteria with IBM and KPMG.
Pre-Project ApprovalMVP configuration and implementation, build and test complete, readiness assessment, and Pilot Steer Co Go / No Go. A rapid, low-risk route from blueprint to live.
Zero to Pilot: 6–9 MonthsIncremental drops of value aligned to your pace and complexity. Progressive expansion across products, channels, and capabilities.
Continuous InnovationTalk to the IBM and KPMG vAIrto team. We will work with you to understand your context, explore what vAIrto could mean for your institution, and design a path that is right for you.