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    Financial services · Core banking

    Your core wasn’t built for AI. Your data layer can be.

    Community and regional banks are using Fluree to unify siloed data across core, loan, treasury, and ancillary systems — creating an AI-ready foundation that makes bankers smarter without replacing the systems that work. Jack Henry. Fiserv. FIS. Legacy. Whatever your core is, Fluree connects to it. Your data doesn’t move; intelligence does.

    Definition

    What is core banking AI?

    Your core banking system was installed before the iPhone existed. The board wants AI insights; your data still lives in silos that don’t talk to each other. Your lenders toggle across four screens and still miss the full customer relationship.

    Meanwhile, 44% of new checking accounts go to digital banks and fintechs. You can’t afford a $2–5M, 18-month core replacement. You also can’t afford to wait.

    Fluree creates a semantic layer over your existing core, LOS, and ancillary systems — one AI-ready graph in 4–8 weeks, not a rip-and-replace.

    How it works

    Three steps.
    Live in 4–8 weeks.

    From scattered core / LOS / ancillary systems to cited, defensible answers — without replacing the core.

    Step 1Connect core + ancillary systems.

    Jack Henry, Fiserv, FIS, or legacy — Fluree reads through standard APIs. Core stays put, no migration.

    Search sources…AVAILABLE SOURCESJack Henry coreCore · APInCino LOSLoan originationTreasury (TMS)Ancillary · replicaDoc managementCIP files, notes4 systems · 330K customers stagedconnected · ready to query
    Step 2Resolve across every system.

    Customers, accounts, loans, households, and properties resolve to golden records — with lineage on every field.

    CustomerAccountLoanHouseholdProperty
    Step 3Ask, answer, defend.

    Plain-English queries return cited answers. Every insight is examiner-ready — full lineage back to source.

    NLMCPRESTSPARQLCRE exposure > $500K in downtown markets with LTV > 75%?SPARQL · GENERATEDSELECT ?loan ?ltv ?amt WHERE { ?loan a fibo:CRELoan ; fibo:principal ?amt ; fibo:ltv ?ltv ; fibo:market "downtown" . FILTER (?amt > 500000 && ?ltv > 0.75)} ORDER BY DESC(?amt)ANSWER61 loans · 14 on watchlistLN-7204LN-9311LN-8412CRE EXPOSURE$184.2Mtraced · 4 systems
    Why Banks Choose Fluree

    Six capabilities no core vendor or warehouse gives you on its own.

    Jack Henry, Fiserv, FIS, or legacy — Fluree connects, doesn’t replace

    Your core banking system stays exactly where it is. Fluree connects through standard APIs and creates a semantic layer across the 4–8 systems most community banks already operate — no rip-and-replace, no 18-month core migration.

    • Jack Henry, Fiserv, FIS, and legacy systems supported
    • Core, LOS, treasury, docs, and ancillary systems unified
    • No data movement — intelligence moves, data stays
    Side by Side

    Core vendor analytics or warehouse builds vs.
    Fluree.

    See how a semantic data layer compares across the dimensions that matter most to community and regional banks.

    Capability

    Traditional

    Core vendor or warehouse

    Fluree

    Semantic layer

    Data scope

    Core only, or siloed warehouse
    All banking systems unified via semantic layer

    Cross-system queries

    Not possible, or months of ETL
    Native — day one

    AI accuracy

    N/A, or 80% at best on table-based RAG
    95%+ via GraphRAG, every answer cited

    Natural language

    SQL or analyst queue required
    Plain English for bankers and compliance

    Entity resolution

    Manual or not supported
    Automatic — customers, households, properties

    Audit trail

    Core-only or partial lineage
    Immutable, source-to-answer

    Time to value

    12–18+ months
    4–8 weeks

    Scope of change

    Rip-and-replace or warehouse rebuild
    Connects to the systems you already have

    Security model

    Application-layer only
    Embedded in the data graph
    In Production

    Live at a community bank — 330,000+ customers unified.

    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)
    FAQ

    No. Fluree creates a semantic layer over your existing core, LOS, and ancillary systems. They stay in place while Fluree connects to them and unifies data for AI and analytics.

    Most community banks are running initial queries within 4–6 weeks. Full deployment is typically 8–12 weeks depending on source systems — a fraction of a core replacement or warehouse build.

    No. Business users can query the data in natural language, so your credit analysts, lenders, and operations leaders don’t need to write code or wait on a specialist team.

    Fluree only answers from actual data relationships inside the unified knowledge graph. Each response is grounded in verified operational data with lineage back to the source records.

    Fluree is built for regulated industries with immutable audit trails, policy-aware data access, and full traceability for FDICIA, CRA, and BSA/AML workflows.

    Core-vendor analytics only sees the data inside that vendor’s environment. Fluree unifies the core with LOS, document management, treasury, and other systems so your teams work from the full picture.

    Yes. Fluree creates a unified data layer across both institutions immediately, giving leadership day-one insight while both cores keep running through a deliberate integration plan.

    Pricing is based on deployment model and data volume. For most community banks, the cost is a fraction of a core replacement or a ground-up data warehouse program.

    Recognized by Gartner

    Gartner Cool Vendor, Cool Vendors in Data Management: GenAI Disrupts Traditional Technologies, 30 May 2024Featured in a 2024 Gartner Hype Cycle

    Gartner, “Cool Vendors in Data Management: GenAI Disrupts Traditional Technologies,” 30 May 2024. GARTNER and COOL VENDORS are registered trademarks of Gartner, Inc. and/or its affiliates and are used herein with permission. Gartner does not endorse any vendor, product or service depicted in its research publications.

    Modernize without the risk

    The answer isn’t replacing the core. It’s unifying the data above it.

    30-minute demo tailored to your bank’s systems. Talk to a banking specialist, not a generic sales rep — see real examples from banks like yours and get direct answers to the questions your team is already asking.

    Updated