Arconte for Financial ServicesArconte for Financial Services:KYC and onboarding with IDP in seconds
Your KYC team spends the day typing up national ID cards and transactions still get rejected over data entry errors. Arconte reads IDs, pay stubs, financial statements and insurance claims without templates, cross-validates every data point against AFIP/ARCA, RENAPER and the BCRA debtor registry, and records every extraction in an immutable audit log for the next inspection.
How do you automate KYC at a bank or a fintech with AI?
You automate KYC by connecting an intelligent document processing (IDP) agent to the institution's core system and CRM: the agent reads the national ID (DNI), the pay stub, the bank statement or the financial statement in any format (PDF, photo, scan), extracts the critical fields with a confidence score for each field, cross-validates them (the CUIT tax ID on the pay stub against AFIP/ARCA, Argentina's tax agency; identity against RENAPER, the national registry of persons; debts against the Central de Deudores, the debtor registry of the BCRA, Argentina's central bank; and PEP screening against World-Check and OFAC) and loads the customer file into the system with an immutable audit log. Doubtful cases go to an exceptions queue for human review; the rest go straight through.
In Financial Services this hits the business directly: a typical credit application carries around 15 documents, and while an analyst processes one every 5 minutes, the digital competition approves in hours. The cost of that delay has been measured: Signicat (2020) puts abandonment of digital financial onboarding at around 63%, and Fenergo (2025) reports that 70% of institutions lose customers because of delays. Arconte, the IDP agent of the Vantegrate Suite, attacks exactly that bottleneck: the same team of analysts processes many more applications and time-to-yes goes from days to hours.
The full picture of the sector (the five agents applied to banks, fintechs, insurers, wealth management and payment providers) is on the Financial Services page.
The pain points of the financial back office
We mapped them in dozens of conversations with banks, fintechs, insurers, wealth managers and payment providers across the five sub-verticals of the sector.
KYC typed by hand, with rejections from errors
The KYC team spends the day transcribing IDs, pay stubs and financial statements into the core system, and transactions still come back rejected over data entry errors. Thousands of team hours a month on a task that doesn't scale.
Time-to-yes in days against rivals that approve in hours
With 15 documents per application and an analyst processing one every 5 minutes, no institution can compete with a digital fintech. The customer who waits more than 24 hours goes elsewhere.
Document fraud that slips through undetected
Altered pay stubs, financial statements that don't match the tax return, inflated loss assessments on insurance claims. To the human eye and at the speed of manual data entry, the fraud gets through.
Audits that take weeks to put together
When an inspection from the UIF (Argentina's financial intelligence unit) or the BCRA arrives, several people spend weeks finding and digitizing customer files scattered across folders, emails and physical archives.
How Arconte solves it in the sector
The agent's capabilities, mapped to the pain points of the vertical: every extraction runs on your systems and your compliance rules, not on rigid templates.
No typing
Reads IDs, pay stubs and financial statements without templates
Processes identity documents from any Latin American country (DNI, INE, cédula, RUT, CPF), pay stubs, bank statements and financial statements in under 90 seconds per document, with a confidence score for each field and continuous learning.
Fewer rejections
Cross-validates against AFIP/ARCA, RENAPER and BCRA
Matches the CUIT on the pay stub against the employer declared to AFIP/ARCA, identity against RENAPER, debts against the BCRA debtor registry (Central de Deudores) and the financial statement against the tax return. The error is caught before loading, not after the rejection.
B2B onboarding
Business KYB with PEP screening
Reads articles of incorporation, board appointment minutes, financial statements and tax returns, validates beneficial owners and detects PEPs by matching against World-Check, OFAC and ComplyAdvantage, feeding the corporate scoring engine.
Insurers
Claims and policies with fraud detection
Extracts data from policies, claim reports, loss assessments and repair estimates, validates them against the policy in force and detects fraud patterns (same provider, same adjuster, recurring claims) before payment.
Regulatory
FATCA, CRS and multi-country reporting
Processes W-8/W-9 and CRS forms, extracting the TIN and tax residency, validates consistency and loads the reporting system with traceability for the UIF, BCRA, IRS and OECD, ready for a regulatory audit.
Document fraud
Forensic analysis and an immutable audit log
Detects tampering through forensic analysis of the file (splicing, metadata editing, JPEG inconsistencies) and records every extraction with its score, its validations and its decision in an immutable audit log.
A loan application on a Friday night
The full flow with the most awkward customer file in the sector: the one that comes in after the back office has gone home.
Friday 9:47 PM
The application comes in with its 15 documents
A customer applies for a personal loan through the fintech's digital channel and uploads a photo of their ID, their pay stub and their proof of address. Nobody on the KYC team is online; Arconte starts on its own.
9:48 PM
Extraction with a confidence score for each field
The agent reads each document without templates: identity against RENAPER; employer, CUIT, net salary and length of employment from the pay stub; transactions from the bank statement. Under 90 seconds per document, each field with its score.
9:49 PM
Cross-validation and screening
Matches the CUIT on the pay stub against AFIP/ARCA and debts against the BCRA debtor registry, and runs PEP screening against World-Check and OFAC. The consistency of the whole file is checked at once, not field by field by eye.
9:50 PM
The exception is resolved on the spot
The proof of address came in blurry: Arconte flags it with a low score and the channel asks the customer for a new capture right then, instead of rejecting the entire file on Monday.
9:54 PM
Customer file loaded into the core with its audit log
The file lands in the core system with every extraction recorded (score, validations, decision) and triggers pre-scoring. On Monday, the analyst types nothing: they review exceptions and decide.
A customer file that used to take days to put together was complete and validated in minutes, on a Friday night, without adding headcount. And when the UIF asks for that file, it's indexed with its audit log: inspection prep goes from weeks to hours.
The cost of manual onboarding, by the numbers
What a financial institution loses every day its KYC depends on typing, according to public benchmarks from the sector.
~63%
Abandonment of digital financial onboarding, with studies putting it as high as 70%
Source: Signicat (2020)
70%
Financial institutions that lose customers because of delays in their onboarding processes
Source: Fenergo (2025)
Up to 80%
Lower cost per processed document versus the manual process
Source: Ardent Partners (2024)
Public benchmarks from the sector, not our own results: every Arconte implementation is measured against a baseline agreed with the customer (time-to-yes, document rejection rate, cost per customer file, fraud detected).
Secure AI agents that work with your data
Arconte processes national IDs, pay stubs, financial statements and scoring data: the regulated heart of the institution. That's why it runs 100% on Salesforce and Oracle Cloud Infrastructure, with those platforms' SOC 2 Type II and ISO 27001 certifications, encryption in transit and at rest and the permissions you define. We don't claim anyone else's certifications: Vantegrate enables, the customer operates and certifies.
Frequently asked questions about Arconte for Financial Services
What financial documents does Arconte process?
What financial documents does Arconte process?
The full document universe of the sector: identity documents from any Latin American country (Argentina's DNI against RENAPER, Mexico's INE, Colombia's cédula, Chile's RUT, Brazil's CPF), pay stubs, bank statements, proof of address, financial statements and bylaws for KYB, tax returns, policies, claim reports and loss assessments, FATCA W-8/W-9 and CRS forms, merchant onboarding forms, acquiring settlements and chargebacks. No templates: when a format changes, the agent adapts on its own.
What is the difference between OCR and IDP for KYC?
What is the difference between OCR and IDP for KYC?
Traditional OCR transcribes characters with a template for each format: when the document changes its layout, the template breaks and you're back to manual data entry. IDP (intelligent document processing) combines modern OCR with language models that understand the semantic structure of the document: it reads any format without templates, returns a confidence score for each field, cross-validates against your systems and learns with every correction. For KYC, that difference is what separates days from hours.
How does Arconte detect document fraud?
How does Arconte detect document fraud?
In three layers: forensic analysis of the file (splicing, metadata editing, JPEG compression inconsistencies), cross-validation against official sources (the CUIT on the pay stub against AFIP/ARCA, identity against RENAPER, the financial statement against the tax return) and pattern detection in claims and verifications (same provider, same adjuster, chains of claims). Every finding is recorded and can be consolidated into a risk insight for the CRO.
Is Arconte's audit log good enough for a UIF or BCRA inspection?
Is Arconte's audit log good enough for a UIF or BCRA inspection?
Yes: every extraction is recorded with its confidence score for each field, the cross-validations that ran and the resulting decision, in an immutable, exportable audit log. Documents are indexed by customer, type and date, so preparing the documentation for an inspection goes from weeks to hours. The permissions and security model is on our security page.
Your next inspection can find your customer files already indexed
Tell us how your team puts together the KYC file and we'll show you, with your real document types, how Arconte would read them. A 30-minute conversation, no commitment.
Francisco Morales, co-founder, takes your call. We reply on WhatsApp within 4 business hours, no strings attached.
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