Services · Mobile app development · Banking AI agents
Codeeo offers banking AI agent development Dubai institutions can put in front of customers and staff with confidence: agents that answer account and card questions in Arabic and English, collect documents for onboarding, triage disputes and complaints, and help relationship managers and operations teams find policy answers fast. Every agent works inside limits you set, logs what it did, and hands the conversation to a person when a decision needs human judgement or the rules require it.
Dubai's banking sector sits under two regimes: the Central Bank of the UAE onshore and the Dubai Financial Services Authority inside the DIFC. An agent that is useful in one may need different controls in the other. We plan for the regime that applies to you before any model is chosen, because the regime decides where data may sit and who must approve the arrangement.
200+ companies servedFrom a first store to an ADX listed developer
What the agents do
A banking AI agent is not a chatbot with a nicer script. It reads your approved content, calls your systems through controlled APIs, and completes defined tasks such as checking the status of a card replacement or gathering the documents an onboarding file is missing. That power is exactly why scope matters. We start with tasks where the agent informs, gathers or routes, and only add actions that change an account once your risk, compliance and information security teams have tested and approved them. The tasks below are the ones Dubai institutions ask about most. Each comes with guardrails: what the agent may say, which data it may see, which tools it may call, and the point at which it must hand over to a person. We also build the evaluation sets that prove it behaves as designed, because a compliance officer will ask for evidence, not reassurance. Arabic gets the same depth of testing as English, since a model that is careful in one language can be loose in the other.
Answers questions about products, fees schedules you publish, card controls and branch services from approved content only, in Gulf Arabic, Modern Standard Arabic or English. The agent cites the source document for every answer so reviewers can trace it.
Routine questions resolved without a queue at the contact centre.
After the customer signs in through your existing mobile banking or UAE Pass flow, the agent can read balances, recent transactions or card status through read only APIs. It never asks for passwords, OTPs or full card numbers in the chat.
Customers get account specific answers without calling.
Guides new customers through the documents an account or loan file needs, such as Emirates ID, salary certificate or trade licence, checks image quality and completeness, and flags gaps to the onboarding team. KYC decisions remain with your staff.
Fewer incomplete files bouncing between customer and branch.
Captures the facts of a complaint or card dispute in a structured form, assigns a reference, sets expectations on timelines your policy defines and routes it to the right team. Every intake is logged for complaint handling reporting.
Complaints recorded consistently from the first message.
An internal agent that summarises a client's products and recent interactions before a meeting, drafts follow up notes for the RM to edit and finds the right product sheet. It never sends anything to a client on its own.
RMs prepare for meetings in minutes, not an hour.
Branch, operations and contact centre staff ask questions in plain language and get answers drawn from internal manuals, circulars and product rules, with the paragraph quoted. Content owners control what is indexed and when it expires.
Staff stop searching shared drives and asking supervisors.
Reads incoming requests from email or forms, classifies them, extracts key fields and places them in the right work queue with a suggested next step. Exceptions and anything ambiguous go to a person first.
Back office queues sorted before staff open them.
Sends payment reminders and offers to talk through options using language your compliance team approves, at times and frequencies within your conduct policy. Customers in hardship are routed to a person rather than handled by the agent.
Reminders that stay polite, consistent and within conduct rules.
For institutions whose customers still prefer to call, the agent can sit behind the IVR, understand spoken Arabic and English, answer simple questions and pass the caller to an adviser with a written summary. Recording and consent messages follow your existing call policies.
Callers reach the right adviser with the context already captured.
Input and output filters, topic limits, personal data masking, full conversation logs and an evaluation suite run before each release. Dashboards show escalation rates, refusal rates and answer quality scores for risk and compliance review.
Evidence your second and third lines of defence can audit.
Who this is for
The institutions that get value from AI agents are clear about the problem they want solved and realistic about the controls involved. We do not name the banks or firms we work with. These four situations describe the starting points we see most often in Dubai, and how the plan differs for each. A good first project usually picks one channel and one customer group, proves the agent with a pilot, and expands only after the results are reviewed. Institutions that try to launch an agent across every channel at once usually spend months in review and learn little, while a narrow pilot produces real data within a single quarter of work.
High volumes of repeat questions about cards, transfers and statements make a strong first case. We start with an informational agent on the app or website, add authenticated read only answers, and measure containment and escalation quality. Agent handover passes the full conversation to your contact centre platform so customers never repeat themselves. Content owners in products and compliance approve each answer set before it goes live, and expired content is withdrawn automatically.
We never name or cite banks as clients.
Private banks, wealth managers and other firms regulated by the DFSA serve professional clients who expect precise answers. Internal agents for research summaries, policy search and onboarding checklists usually come first. Data handling follows the DIFC Data Protection Law, and client facing use is planned against your DFSA obligations and governance.
Finance companies and payment firms licensed by the CBUAE often have smaller teams handling large numbers of customers. Agents for application status, document collection and merchant support reduce the load. We plan outsourcing and data location questions early, because they shape where the agent can run. Merchant support in Arabic and English is a common early win for payment firms with many small business clients across Dubai.
Material outsourcing may need CBUAE non objection; your compliance team decides.
Trade finance, payments operations and account services teams handle emails and forms that follow patterns. A triage agent that reads, classifies and extracts fields can sort the queue before the day starts, while staff keep every decision. This internal use is often the quickest to approve because no customer sees the agent directly. Accuracy is measured against a sample checked by your senior staff before the agent is trusted with a full queue.
How we work together
Most institutions start with a fixed scope discovery and pilot for one use case, then move to a longer programme once the pilot is approved. Some prefer a dedicated team that works inside their environment under their policies. Codeeo has a team of 80+ across Dubai, Riyadh and Karachi and has delivered 200+ projects across the UAE and the US. For Dubai clients, workshops can run in person at your offices, and we work within your vendor onboarding, security review and outsourcing process. We expect to complete questionnaires, share architecture documents and support penetration testing before go live.
A defined build with a deadline
We agree what the product has to do, write it down with a price and a date, and build exactly that. Changes are priced before they are made, not discovered on the invoice.
A product that keeps evolving
Named engineers who work your hours, join your standups and stay on the codebase. You direct the backlog; we own the quality of what ships.
Something live that needs looking after
A monthly block of hours for improvements, fixes and the small requests that otherwise wait months. Unused hours carry for a quarter.
Technology
We work with leading foundation models through enterprise agreements or deploy models inside your own cloud tenancy, with retrieval over your approved content, orchestration that limits tool use, and monitoring for quality and cost. Model and hosting choices follow your data obligations.
01Mobile
02Data and cloud
03Marketing and tracking
With one narrow use case, usually informational or internal.
The fastest route to approval is a use case where the agent informs or gathers rather than acts, such as product questions, policy search for staff or document collection for onboarding. Results from that pilot give your risk and compliance teams evidence to judge the next step. Starting with transactional actions or advice tends to stall in review, because the controls needed are much heavier and the evidence base does not yet exist.
Schedule a free consultation and get a written recommendation, with costs, before you commit to anything.
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