Community and Regional Banks

Your Core System Wasn’t Built for AI. Your Data Layer Can Be.

Banks are using Fluree to unify siloed data across core, loan, and ancillary systems—creating an AI-ready foundation that makes bankers smarter without replacing the systems that work.

The Modernization Trap Holding Your Bank Back

Your Core Wasn’t Built for AI — Your core banking system was installed before the iPhone existed. Your board wants AI insights, but your data lives in silos that don’t talk to each other. The technology gap widens every quarter.

Scattered Data, Incomplete Picture — Customer data lives across 3-5 reporting systems that compete with each other for the same answer. Your loan officers toggle between 4 screens to get a complete customer view—and still miss the full relationship.

Fintechs Are Winning — 44% of new checking accounts now go to digital banks and fintechs. You’re losing the next generation of customers while waiting for a modernization project you can’t afford to start.

Two Bad Options — Replace your core (18-24 months, $2-5M+, massive risk) or do nothing and fall further behind. Neither works for a community bank with real constraints.

Can Your Systems Answer These Questions?

Real questions from community bank leaders that their current tools can’t answer:

“Show me every relationship this customer has with us—deposits, loans, treasury, family connections—in one view.”
“What’s our total CRE exposure over $500K in downtown markets with LTV above 75%?”
“Which business customers should we reach out to about a purchasing card based on their spending patterns?”
“When a regulator asks a question, can we defend the answer with full data lineage?”

A Data Layer That Works With Your Core, Not Against It

Fluree doesn’t replace your core banking system. It creates a semantic layer on top of it—unifying data from your core, your LOS, your document management, and your ancillary systems into a single, AI-ready knowledge graph.

Named a Gartner Cool Vendor for AI in Data Management, Fluree delivers what traditional systems can’t: a unified foundation for AI and analytics that implements in weeks, not years.

How it works

From Scattered Data to Strategic
Intelligence in Three Steps

Step 1: Connect to Existing Systems

Step 2: AI Auto-Classifies and Links Your Data

Step 3: Activate Your Data for AI and Analytics

Jack Henry, Fiserv, FIS, or legacy systems—Fluree integrates with what you have. Your data doesn’t move; Fluree connects to it.

Plug into your core, LOS, document management, and ancillary systems via standard APIs. No rip-and-replace. No complex custom integration required.

A futuristic digital visualization of interconnected data records floating within a white 3D ring. The records appear as digital cards with metadata such as creation dates, user updates, and labels like ‘360° Logistics Data,’ ‘Fleet Mileage,’ ‘Equipment Maintenance Log,’ and ‘Parts Inventory.’ In the background, icons representing security, verification, and data sharing are subtly visible. The design employs a clean, modern aesthetic with soft lighting and gradients to convey a sense of structured and secured data management.

Semantic intelligence understands relationships between customers, accounts, loans, and properties—creating a unified view across all systems instantly.

An infographic illustrating the capabilities of Fluree Data Agent in leveraging AI for data-driven insights. The image is divided into three sections, each with a descriptive text box. On the left, the section titled ‘Chat with Your Data’ highlights real-time decision-making using Retrieval Augmented Generation (RAG). An icon of a data reservoir with recognizable logos such as Oracle and SAP represents multiple data sources. In the center, ‘Automate Complex Tasks’ explains how Fluree’s Data Agent can build knowledge agents to automate API-driven processes, visually represented by a magnified view of various document types feeding into a vertical control panel with interconnected icons. On the right, ‘Uncover Hidden Insights’ suggests AI’s ability to reveal patterns in unified data, represented by a glowing diamond icon. The infographic uses a futuristic design with gradient colors, digital elements, and interconnected nodes to illustrate AI-powered data automation.

Build conversational analytics and AI-assisted intelligence immediately.

 Production-ready in 4-8 weeks. Start getting real answers to business-critical questions immediately—with full auditability for regulators.

 Add new data sources, expand use cases, and scale across your organization—without the typical AI project delays.

Key Features Community Banks Love

🔗 Connect Everything

One platform for all banking data: core, LOS, document management, treasury systems—unified instantly with semantic intelligence.

🎯 100% Accurate AI Responses

Zero hallucinations. Every insight fully grounded in your verified data with complete lineage and explainability.

🔒 Enterprise -Grade Security

Embedded policies ensure data never leaks to unauthorized users or LLMs. Maintain compliance across banking operations

⚡ Rapid Time-to-Value

Deploy production AI in 4-8 weeks, not months. Most banks are running queries within the first month.

📊 Real-Time Intelligence

Get instant insights from live data across all systems.

🗣️ Natural Language Queries

Ask questions in plain English. No SQL required.

📋 Complete Audit Trails

Every data access and change is logged and queryable—exactly what examiners want to see. Built for regulated industries from the ground up.

🎨 Dashboards On-the-Fly

Use conversational analytics to build live, query-driven dashboards. No more waiting for answers.

From Customer Intelligence to Compliance





The Challenge:

Your customer data lives across 3-5 reporting systems that compete with each other for the same answer. When data conflicts, which system do you trust? Without clean data, you can’t understand who your customers really are.

With Fluree:

“Show me a complete, verified view of every customer relationship—deposits, loans, family connections, business affiliations—unified into one golden record.” Build accurate, trusted customer records that become the foundation for everything else.

The Impact:

A single source of truth across the enterprise. Clean data from first interaction. The foundation for proactive customer service.

“Fluree helps us with Master Data Management by getting quality into and out of our information. The more quality we have within our data, the more we can help anticipate the needs of our customers.”

— Brent Wilke, Chief Data Officer, First Bank (Nasdaq: FBNC)


Watch Fluree’s webinar: The Data Strategy Shift Redefining Financial Services →

Frequently Asked Questions

Do we need to replace our core banking system?
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No. Fluree creates a semantic layer over your existing systems—your core, LOS, and ancillary systems stay exactly where they are. Your data doesn’t move; Fluree connects to it and unifies it for AI and analytics.

How long does implementation take?
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Most community banks are running initial queries within 4-6 weeks. Full deployment typically takes 8-12 weeks depending on the number of source systems—significantly faster than traditional core replacement projects that take 18-24 months.

Do we need data scientists or AI specialists on staff?
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No. Fluree is designed for business users. Your credit analysts and loan officers can query data in natural language without writing code or waiting for technical teams.

How can community banks implement AI?
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Start with your data foundation, not the AI itself. Fluree unifies your existing data from core, LOS, and ancillary systems into an AI-ready knowledge graph—no core replacement required. From there, your team can query data in natural language and get trustworthy, auditable answers. Most community banks are live within 8-12 weeks without needing to hire data scientists or AI specialists.

How does Fluree AI avoid hallucinations?
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Fluree’s AI can only access actual data relationships that exist in your unified data layer—no hallucinations, no made-up information. Every answer is 100% grounded in your verified operational data with complete lineage, so you can defend answers to regulators.

What about regulatory compliance?
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Fluree’s immutable audit trail and semantic architecture are designed for regulated industries. Every data access and change is logged and queryable—exactly what examiners want to see for FDICIA, CRA, and BSA/AML compliance.

How is Fluree different from our core vendor’s analytics?
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Core vendor solutions like Jack Henry, Fiserv, or FIS are typically limited to data within their ecosystem. Fluree unifies data across your core, LOS, document management, and any other systems—giving you the complete picture across all 4-8 systems most banks operate.

Ready to Modernize Without the Risk?

30-minute demo tailored to your bank’s systems. Talk to a banking specialist, not a generic sales rep.

  • – No commitment required
  • – See real examples from banks like yours
  • – Get answers to your specific questions

Get Started

Guides and Resources

Report

Benchmark: Increasing GenAI Accuracy by 4x

Reducing hallucinations and increasing accuracy for enterprise production Generative AI through the use of Knowledge Graph RAG (Retrieval Augmented Generation).

Read Blog Post
Blog

Building Corporate Memory for Enterprise LLMs

Giving LLMs and GenAI Applications access to context and knowledge accumulated by your organization is the single most powerful way to accomplish accuracy and precision at scale.

Read Blog Post
Whitepaper

Everything You Need to Know About Semantic GraphRAG

Everything You Need to Know About Retrieval Augmented Generation, Knowledge Graphs and LLMS

Get Your Copy