AI assistant for banks & financial services
Regulations, internal work instructions and client documents securely and quickly available – GDPR-compliant, with source citations and without moving data to the US cloud.
KOSMO makes MaRisk, BaFin circulars, internal work instructions and product documents searchable in seconds – with a source citation for every answer. Because the system runs on-premise or in a German data centre, customer and transaction data stays in-house; no CLOUD Act risk.
What KOSMO does for Banks & financial services
Regulations at your fingertips
MaRisk, BaFin circulars, the Securities Trading Act and internal policies are available in seconds – always with a source citation, traceably substantiated.
Customer & transaction data stays internal
All sensitive data is processed exclusively on-premise or in a German data centre. No access by US cloud providers, no CLOUD Act risk.
Web search can be disabled
On request, KOSMO works exclusively with your own documents – no uncontrolled internet access, no misinformation.
Internal work instructions & processes
Approval limits, product terms and procedures are instantly available to all staff – with precise source citations.
Onboarding & compliance training
New staff instantly find answers on processes, policies and regulatory requirements – available around the clock.
Audit-proof & traceable
Every answer is verifiable via its source citation – an advantage for documentation obligations and the requirements of the EU AI Act.
Ready in three steps
Import documents
Upload MaRisk, BaFin circulars, internal work instructions and product documents to KOSMO. The AI reads, indexes and understands the content semantically.
Ask questions
Staff ask in natural language. KOSMO answers precisely – with a source citation showing which document provides which passage.
Secure & controlled
Web search can be disabled, data never leaves your infrastructure, role permissions control access.
Important note: KOSMO works exclusively with the documents and information you provide. No guarantee can be given at any time for the factual accuracy of the answers – if the underlying sources are incorrect or outdated, KOSMO reproduces those errors accordingly. Every answer is traceable via its source citation and should be reviewed by a professional; responsibility for the content remains with the user.
Your data belongs to you –
and stays with you
KOSMO runs on-premise or in a certified German data centre. No API calls to OpenAI. No training on your content. No vendor lock-in.
100% legally compliant, hosted locally
Own data centres, no US cloud
Every answer is traceable
Only your documents, no internet
KOSMO for other organisations
Frequently asked questions – KOSMO for Banks & financial services
May banks use AI with customer data?
Yes, as long as the data does not leave the building. KOSMO runs on-premise or in a German data centre – customer and transaction data remain entirely on your infrastructure, GDPR-compliant and without training on your content.
How does KOSMO support work at the bank?
KOSMO makes regulations, internal work instructions and product documents instantly searchable – always with a source citation. That saves around 45% of the time spent searching regulations and instructions; the professional assessment remains with the department and compliance.
Is the use justifiable from a supervisory perspective?
As an internal knowledge management system, KOSMO is transparent and traceable, runs on-premise and has a disableable web search – compliant with GDPR and the requirements of the EU AI Act. The specific use should be coordinated with internal compliance.
How does KOSMO stay up to date with new circulars?
Simply upload new BaFin circulars or MaRisk amendments – KOSMO indexes them instantly and takes them into account from the next question, without any re-training.
Try KOSMO for Banks & financial services
Request a free demo – we'll show live how KOSMO works in your organisation. No setup, no credit card.
