Financial Services
Kinetic lets banks, credit unions and wealth firms build client onboarding and servicing portals on top of the CRM, core banking, know-your-customer (KYC) and document systems they already run. A new commercial account moves through one process across all of them, with AI checking the packet and your analysts approving every decision.
GreenState Credit Union Cut manual onboarding work by 85% across HR, IT and security systems, with access ready on day one. Read the GreenState case study
CRM, core banking, KYC screening, document management and usually e-signature. None of them owns the whole process, so the hand-offs between relationship managers, operations, compliance and the client run on email and spreadsheets, and packets arrive incomplete.
Teams fill the gaps with point tools. Each holds another copy of the client.
Flagship use case
The client applies once. Screening, compliance review and account setup happen in the systems you already use, and both sides watch the same status.
Example: commercial account opening
The owner enters the company once, uploads the articles of organization and EIN letter, and adds two beneficial owners. Each owner gets a link to submit their own ID.
AI reads the documents, matches the legal name and EIN to the application, and flags that one owner's driver's license has expired.
AI step
Kinetic sends the business and both owners to your KYC and sanctions screening provider and creates the relationship in CRM.
A possible name match goes to the analyst with the file summarized. The analyst clears it, asks the client for more, or declines.
Person approves
Approved accounts are created in core banking, and the packet is filed in document management under your retention schedule.
The client sees “Accounts open.” The relationship manager sees the same thing in their queue. The portal stays open for the next servicing request.
Each reuses the portal, the approval steps or the connections to CRM and the core.
Address, beneficiary and signer changes, wires and stop payments, each routed to the system that owns it.
Customer service experienceNew staff get their accounts, access and equipment on day one.
How GreenState did itLeast-privilege access to banking systems, recertified on a schedule.
Access request automationDue diligence, risk tiering and contract steps for new vendors.
Vendor onboardingEvidence requests, access reviews and policy attestations collected before the examiners arrive.
Compliance and audit workflowsYour policies, screening tools and systems of record stay in charge. Kinetic makes the process between them visible, and keeps the evidence an examiner will want to see in the same record as the decision it supports.
Kinetic's hosted cloud, or your own environment if your policies or regulators want client data there.
Each role sees only the clients and documents it should. Staff sign in through SAML or OIDC, including Entra ID and Okta.
Each packet and servicing request records who submitted, reviewed, approved and changed what. That is the file an examiner asks for.
Kinetic doesn't screen anyone. It runs the process around the screening tools you already use.
Proof
GreenState's result is from employee onboarding. No customer has published a client onboarding story yet, so we show that flow as a reference architecture.
Credit union
HR used to finish its part and email IT, which checked the HRIS by hand and started provisioning, while security ran a separate checklist in a separate system. Now one process covers all three. Managers see status without calling anyone.
Read the GreenState case studyReference architecture
Experience layer
Front doors
Workflow layer
The shared process
Integration layer
Systems of record
Kinetic connects to each system through prebuilt connectors or APIs, including cores that run on premises. Nothing is migrated. How the integration layer connects
In development Letting agents take packets from the analyst's queue natively is still in development. An agent can already open a packet or start its workflow through MCP or the API, within the permissions it has.
Account opening leaves you with a client portal, a compliance review step and live connections to CRM and the core. Each of these picks up from there.
Clients who opened accounts in the portal change signers and beneficiaries there too.
The document checks and compliance approvals carry straight over to vendor due diligence.
When the warehouse flags unusual activity on an account, open a routed review with the evidence attached.
Answered by Kinetic Data. Last updated .
No. The core and CRM stay the systems of record. Kinetic reads from and writes to them through connectors and APIs, and adds the client portal and the cross-team process neither was built to provide.
No. Kinetic runs the onboarding process around the screening provider you already use. It sends the client's details to that provider, routes hits to your BSA team and keeps the decision and evidence in one record.
AI reads documents, checks them against the application, flags what's missing and summarizes files for reviewers. Analysts and bankers make every decision. Kinetic doesn't include a model; institutions connect Claude, Amazon Bedrock, Azure OpenAI or a self-hosted model.
Often with an internal process like employee onboarding, as GreenState did, or with one product such as commercial account opening. Servicing and the next product line reuse the portal and connections.
Two hours, free. We trace one onboarding or servicing process across your CRM, core and document systems, and you leave with a written plan to build it.