The complete client view your bank has been missing
You only see the data that moves through your bank. Client ERP data shows the rest: balances growing at other banks, supplier terms squeezing cash flow, and CapEx spend that signals expansion. Codat connects that data to the AI tools your bankers already use, like Copilot, and turns it into recommendations they can act on.
Your AI is only as good as what it knows about the client
Ask your AI about a client and it’ll answer using whatever the bank already has on file. What it can’t see is the client’s financial picture beyond your walls: their cash flow, their suppliers, their top concerns this quarter. So instead of a recommendation your banker can act on, you get an answer built on half the story.
Partial visibility
A client can shift meaningful balances to a competitor’s bank and your own systems will never register that it happened.
Missing context
Your data shows a payment landed, but it can’t tell you what bill it was covering, or whether that bill was already weeks overdue.
Shaky judgement
Your bank can flag an account as a risk. You still can’t tell if it’s just a cash blip or a business in real trouble.
Every answer is grounded in your client's real finances
With your client’s full consent, Codat connects to the systems they run their finances on. That data combines with everything your bank already knows: call notes, CRM data, your own rules. Your AI uses all of it in every answer.
See beyond your own walls
See beyond your own walls
Your AI now sees the client’s balances at other institutions and their activity with other providers. That’s what lets your banker spot the opening to win more of that business, before another bank does.
Understand every payment
Understand every payment
Every payment now comes with the full context behind it: the bill it’s attached to, the supplier, the payment method, and the terms. That’s what lets your banker catch a problem before it grows, or spot an opportunity to optimize how the client handles its payments.
Know exactly what to do next
Know exactly what to do next
Most tools just flag that something’s changed. Now your AI goes further. It turns everything it knows into a specific recommendation. You get the exact product to offer and the numbers to open with, ready to take straight to the client.
Built for how your teams actually sell
Spend
Convert more spend to card, faster
Show prospects their precise cardable spend opportunity, with supplier-specific acceptance scoring that reveals which suppliers will take card and how much volume you can capture. See exactly where the card program can grow, so you prove ROI and close faster.
Convert more spend to card, faster
Show prospects their precise cardable spend opportunity, with supplier-specific acceptance scoring that reveals which suppliers will take card and how much volume you can capture. See exactly where the card program can grow, so you prove ROI and close faster.
FX
Turn hidden currency exposure into won volume
Surface a prospect’s full cross-border exposure, with transaction-level detail on currencies, volumes, and corridors that shows exactly where you can capture more of their flow. Open timely hedging conversations, win new volume, and become the partner the client turns to first.
Turn hidden currency exposure into won volume
Surface a prospect’s full cross-border exposure, with transaction-level detail on currencies, volumes, and corridors that shows exactly where you can capture more of their flow. Open timely hedging conversations, win new volume, and become the partner the client turns to first.
Treasury
Grow share of wallet with proposals that actually fit
Bring the idle cash and cash-cycle gaps sitting in a prospect’s operating data into view, with timing detail that points to a liquidity, sweep, or deposit opportunity. See which clients have funds to put to work, so you can have the right conversation at the right time.
Grow share of wallet with proposals that actually fit
Bring the idle cash and cash-cycle gaps sitting in a prospect’s operating data into view, with timing detail that points to a liquidity, sweep, or deposit opportunity. See which clients have funds to put to work, so you can have the right conversation at the right time.
Your new competitive advantage
No more document chasing
Cash flow, receivables, and payables data arrive automatically when clients connect their accounting system, so nobody on your team is emailing for statements.
One view, not five
The client’s financial data and your bank’s own data resolve into a single model, so your AI reasons over all the information at once, catching patterns that only show up when both sides are in view.
No new tool for bankers to adopt
Insights are delivered inside the AI tools your bankers already use, so there’s no new tool to roll out and no fight to get teams to adopt it.
Nothing outside your parameters
Every recommendation is filtered through the pricing and priorities your team sets, so what reaches a banker is always something your bank would actually offer.
Hours back on every proposal
Full proposals and analyses your bankers can take straight to the client, customized to your brand and produced in minutes instead of days.
You're not rolling this out alone
A team of banking experts works alongside yours to deploy and tune the platform, so this never becomes another system your team has to figure out solo.
Where the value shows up
Grow revenue from your existing book
You’re not short on clients. What’s missing is the intelligence that tells a banker which product to raise and when. Give your bankers the full financial picture and every routine check-in becomes a revenue opportunity.
Serve more clients without growing headcount
Good advice takes hours of research, so it only ever reached the biggest clients. Codat does that work automatically, so the same advisory service that only made sence for top accounts now makes sense for all of them.
Catch attrition signals early
Codat reveals the early signals a banker would otherwise miss: a competitor appearing in the client’s ledger, payment volumes quietly migrating, a business growing faster than its balances with you. Your bankers see them while there’s still time to act.
Driving results for the world’s top banks
Security that stands up to a bank’s toughest review
No new AI model to clear
Codat runs on the LLM your bank has already approved, so you’re reviewing a vendor rather than validating a new model.
Access is on your terms
Access is provisioned by your own team, through the system they already control. They decide who can reach what, apply the rules your bank already enforces, and grant or revoke access whenever they need to.
Transparent by default
Our Trust Center is continuously maintained to give your security team visibility into Codat’s products and security posture at any time.
Built on enterprise-grade foundations
Codat is built on the Azure Well-Architected Framework, with SAML SSO, always-on encryption, and triple hot-site availability across Azure availability zones, so your data stays secure and available.
Read-only access, always
Codat reads only the data it’s permissioned to access, and nothing more. It cannot write to, update, or trigger anything in client or bank systems.
Independently audited every year
Codat maintains annual SOC 2 Type II and ISO 27001 audits, with the transparent data governance and audit trails commercial banks expect.
Learn more about the future of commercial banking
Frequently asked questions
What data does Codat bring in from the client?
The client’s own financial records sourced from the accounting and enterprise resource planning (ERP) systems they use to run their business. This includes things like the bills the business owes suppliers, the invoices it has issued to customers, its general ledger, its cash position, and often its balances at other banks.
How does Codat access a client's financial data?
The client grants access. They connect their ERP or accounting system through a secure, one-time OAuth authorization or uploads files through Codat’s intelligent upload service, which handles virtually any format. The connection takes minutes, the data comes back standardized and ready to use. The client controls what is shared and can revoke access at any time.
How does Codat's data reach the bank's AI tools?
Codat connects to a bank’s approved AI tool through an open standard called an MCP. You can think of it like a universal socket that plugs straight into the bank’s LLM, so there’s no new model for your risk team to assess and nothing added to the footprint they govern. The connection runs one way: Codat delivers the client’s financial data into the AI environment, and never accesses the bank’s LLM or the bank’s data in return. Access is provisioned by the bank, and Codat’s data is read-only, so it can’t write to, change, or trigger anything in the bank’s systems.
Does Codat see the bank’s own data?
No. The bank’s data remains within the bank. Codat supplies the client’s financial data into the bank’s environment, where it is combined with the bank’s own data on the bank’s side.
What use cases does the platform cover?
The platform supports a wide range of commercial banking use cases, including spend, payables, FX, treasury, credit opportunity identification, and monitoring. For each, it draws on the client’s financial data to identify relevant opportunities. In payables, for example, it can identify how much of a client’s supplier spend still runs on cheque, ACH, or wire, and which of those payments are suited to a shift to virtual card, information a banker can use to open a conversation about a payables program.
How is the platform deployed?
It is custom-engineered to each bank. Codat’s specialists configure the platform around the bank’s own products, rules, and workflows: connecting to the bank’s approved AI environment, mapping recommendations to the products and programs the bank offers, and setting the thresholds that determine when an opportunity reaches a banker. Deployment can start with a single function or business line and expand to multiple use cases and applications.
How customizable are the outputs?
The platform produces client-ready outputs, such as a client spend analysis, a supplier breakdown, or a proposal, in the bank’s own branding and formatting, so a banker can take them to a client without reworking them. What the outputs recommend is also shaped by the bank: recommendations are limited to the products and programs the bank offers, and follow the bank’s own sales approach and best practices.
What outcomes can a bank expect from the platform?
The platform is designed to help a bank act on client opportunities it would otherwise miss, and to do so across more of its book than manual analysis would allow. Because bankers prepare from a client’s actual financial data rather than segment averages, recommendations can be more specific and better timed, whether that’s a lending need, a payments or FX opportunity, or a treasury conversation. The intended result is a bank that can offer advisory-level service beyond its largest accounts. Other outcomes depend on how a bank deploys the platform and which use cases it adopts.
How current is the data the platform uses?
Once a client connects their accounting system, the data refreshes every time their books do, so a recommendation reflects the client’s financial position as it stands, not a dated snapshot.
What ongoing support does Codat provide after launch?
Codat stays involved after the initial deployment. As a bank expands the platform to new functions or business lines, Codat’s specialists help configure and adapt it, and remain available to refine how the platform is set up as the bank’s products, rules, and workflows change over time.
What is an Advisory Intelligence Platform?
It’s a platform that combines a commercial bank’s own data, its transaction history, CRM, relationship records, and product expertise, with financial data from the client’s ERP and accounting systems. It turns that combined data into product and relationship recommendations for bankers, delivered inside the AI tools the bank already uses.