Pre-built, end-to-end UiPath flows for banks, lenders and insurers.
Already in use by clients. Ready to deploy now. Onboarding, lending, servicing, collections, claims and super, with agents doing the work, your people making the decisions and every step on the record.
What's already built.
You don't start from a blank canvas. You start from flows that already work, and we fit them to your systems, your policy and your people.
UiPath modules, wired in
Customer Verification & Onboarding accelerator, Bank Statement Analyzer for BFS, Customer Service Request Classification for Banks, the Invoice Validation agent, Document Understanding, Communications Mining and Action Center, each placed where it does real work in the flow.
Agents that do the work
Agents read documents, analyse statements, classify requests, prepare recommendations and explain their reasoning. When an agent is switched off, the flow falls back to a person and keeps going.
Proven BPMN models, portable to UiPath
Innovo's own lending and claims process models, built in UiPath Maestro on BPMN 2.0 and DMN. Your process, not a demo, from day one.
Governance built in
Human approvals in Action Center for every reserved decision, compliance checkpoints such as APRA, ASIC RG 209, AUSTRAC and AFCA marked on the steps, and an audit trail of who acted, what they did and when.
What changes for your business.
Live sooner
Pre-built flows and modules mean you configure and test rather than design from scratch.
Smaller teams, bigger queues
Agents take the reading, checking and preparing. Your people take the decisions.
Ready for the regulator
Every step, approval and reason on the record, ready for APRA, ASIC, AUSTRAC and AFCA.
Run for you, 24x7
Innovo builds it and runs it, from Sydney, Manila and Pune, with onshore pods in Australia.
Already running at clients like these.
Innovo's UiPath work includes:
- Challenger Financial Services
- Zurich
- Sixt
- NRMA
- I-MED
- 21 customer-owned banks, on CDR conformance built in UiPath
Supporting proof: the CDR story.
Consumer Data Right conformance for 21 customer-owned banks
One shared conformance solution, built in UiPath, with separate evidence for each bank. It is the same idea as the services below: build once, run it for every bank.
Read the story →CDR Phase 1 across the Big 4 banks
Innovo delivered and coordinated CDR Phase 1 across the Big 4 banks and wrote the industry test strategy, with 17 people running it for the ACCC in partnership with EY.
Our proven BPMN models, built in UiPath
Innovo's IP and the proven BPMN models behind Angle Finance are portable and now built in UiPath Maestro. Angle Finance itself runs fully agentic on Camunda on AWS.
Angle Finance →Why now.
Four pressures are landing on financial services at once. Regulators now expect enforceable controls and evidence, not policies alone.
Small teams, big alert queues
Screening tools flag many possible matches. Most are false alarms, yet each must be reviewed and recorded.
APRA has raised the bar on AI
APRA's letter of 30 April 2026: AI must be governed under CPS 230 and CPS 234, with enforceable technical controls.
Source: APRA, 30 April 2026AML obligations keep tightening
AUSTRAC's reforms expect consistent, documented screening and investigation, with records kept.
Source: AUSTRAC AML/CTF reformsA hard scams deadline
Scams Prevention Framework rules from 1 September 2026, in full effect from 31 March 2027, with penalties up to $50 million.
Source: Scams Prevention FrameworkHow the pieces fit.
UiPath is a Microsoft managed partner and runs on Azure. Microsoft holds the data and the places people work; UiPath runs the work across every system and proves it; the bank's systems stay where they are.
Data, models and people
- Fabric: member, policy and payment data, and the long-term audit archive
- Fabric Activator: spots a risky pattern and opens a case
- Azure OpenAI: governed models behind the agents
- Teams: tasks and approvals where staff already work
- Entra ID: named identities for people, robots and agents
Runs and governs the work
- Maestro: every process and case, end to end
- Agents: review-heavy steps, summaries and drafts
- Robots and APIs: act in older and newer systems
- Apps and Action Center: where people decide
- AI Trust Layer: masking, guardrails and the AI log
- Test Cloud: re-tests every change
Stay where they are
- Core banking and lending platforms
- Screening, card and payments providers
- Policy administration and claims systems
- Fund administration
- Records and complaints
Innovo builds it and runs it: design, delivery and 24x7 operations from Sydney, Manila and Pune, with onshore pods in Australia.
Solutions by buyer.
Banks, lenders, insurers and super funds: the pain, what you see in the simulation, the outcome and the proof. Each has end-to-end simulations on synthetic data.
Customer-owned banks and mutuals
The pain. Members wait while staff move between core banking, cards, payments and spreadsheets. Scams, financial-crime alerts and CDR releases all need evidence, and small teams carry the load.
Proof. Consumer Data Right conformance for 21 customer-owned banks, built in UiPath.
Asset finance: watch it run →
All five demos →
Banks, non-bank lenders and asset finance
The pain. Brokers and customers want same-day answers, but documents, bank statements and policy checks sit in different hands, and credit decisions must stay with people.
Proof. Innovo's portable lending models, built in UiPath for lenders on Microsoft. Innovo's UiPath work includes Challenger Financial Services.
Asset finance: watch it run →
All five demos →
General insurers
The pain. Claims wait between lodgement, assessment and payment teams, assessors re-key data, and the General Insurance Code and CPS 230 demand full evidence for decisions.
Proof. Innovo's UiPath work includes Zurich and NRMA.
Insurers: the full picture →Super funds, life and annuity providers
The pain. Death benefit claims stall in manual handoffs while families wait, and annuity applications chase signatures and rollovers. ASIC and the Federal Court have acted, including a $23.5m penalty ordered against the Cbus trustee.
Proof. Innovo's UiPath work includes Challenger Financial Services.
Death benefit claim: watch it run →
Super and wealth: the full picture →See it run on UiPath Maestro.
A commercial loan on UiPath Maestro on Microsoft Azure: IXP reads the documents, WorkFusion clears KYC, a fraud agent checks the signals and a credit officer approves in Action Center. Switch to case 1 for the Camunda pattern.
Synthetic data. On a phone, tap the card to open it full screen. Open the demo page → Motor claim → Death benefit →
Segment assets on UiPath.
Watch a claim settle itself
Motor claims from first notice to payment: agents, robots and an assessor in one governed process, with an audit trail you can download.
See it run →Watch a death benefit claim run
Maestro runs the claim end to end, agents and robots chase and check documents, and a trustee delegate approves every payout.
See it run →Maestro, built for BPMN.
Processes in BPMN 2.0
UiPath Maestro, launched in April 2025, models and runs processes in BPMN 2.0, the standard way to draw a process, with import and export of .bpmn files. Auditors and engineers read the same model.
Decisions in DMN
Thresholds, delegations and routing live in DMN decision tables, versioned and approved, and re-tested with Test Cloud before every release.
Cases for judgement
Work that needs human judgement runs as a Maestro case: stages with entry and exit rules, deadlines and sign-offs. The agent suggests; it never decides.
The Azure architecture.
The reference architecture we use for financial services on UiPath and Microsoft Azure.
Governed by design.
Five guardrails on every agent, plus the platform controls below.
Every record answers five questions
Who acted (person, robot or agent, and version), did what, on what information, when, and why: the reasoning, rules version and AI model. Assembled from Maestro's execution trail, Action Center, agent traces and the AI Trust Layer log, and kept on Fabric for the full retention period.
If the AI stops, the process doesn't
If an agent is unavailable, Maestro's error path sends the work to people with the same deadlines. If a robot can't reach a system, the action becomes a task for a person with a timer and escalation. Both simulations let you switch the agent off.
Who does what.
UiPath provides
The platform's controls; logs, traces and evidence; model governance tools; independent certifications.
Innovo runs
The service for each client: build, monitoring and support, change and testing, and our own operational controls.
You own
Your policies, risk appetite and thresholds, model validation sign-off, and every final decision.
We help you show evidence of your obligations. We don't make you compliant: the accountability stays with you, and the record proves who decided.
Build once, run for every bank.
One governed service design, delivered to each bank in its own environment, with its own data, policies and audit. The next bank onboards from a proven template.
We have done this before: our CDR conformance solution, built in UiPath, serves 21 customer-owned banks from one shared engine with individual bank evidence.
The 21-banks storyHow we engage on UiPath.
Assess
1 week: process selection, a Maestro BPMN map and a costed roadmap.
Pilot
8 to 12 weeks: one process live on Maestro with guardrails.
Programme
Multi-wave delivery on reusable Maestro patterns and templates.
Run
24x7 from Sydney, Manila and Pune: monitored, audited and improved, priced on outcomes.
Screening in shadow mode
The agent reviews alongside analysts and nothing clears without a person. We measure agreement, time per alert and backlog.
Member-reported scams
The staff form path first, with no dependency on real-time detection. We measure time to first protective action, deadlines met and file completeness.
Buy it your way.
Start small and grow on your terms: a fixed-scope pilot, a delivery project, or a managed service where we run it for you. We will work through commercial and Microsoft funding options with you in the first conversation.
Related platforms.
Microsoft
Azure, AI Foundry, Fabric, Copilot and Power BI: the data and model layer under UiPath.
Explore →Camunda
Already on Camunda? We build and run agentic processes on Camunda 8 too, including Angle Finance's lending on AWS.
Explore →Enov8
Environments and masked production data, so every agent and rule change is tested safely first.
Explore →More to try.
Live simulations, each on one platform, with synthetic data. Watch a case run, then take the controls.
See your flow running before you commit.
Thirty minutes with an engineer, on the pre-built flow closest to yours. Or a 1-week assessment that ends in a costed roadmap.