Your core banking can survive the AI revolution
Your mainframe systems handle billions of euros of operations daily. You can't shut them down, nor can you leave them untouched under AI pressure. We make them exploitable — credit scoring, fraud detection, mobile money — without touching the core.
Your sector challenges
Legacy core banking
IBM Z mainframe, COBOL, critical transactions. Can't shut down, hard to evolve.
Multi-jurisdiction compliance
BCEAO, Bank Al-Maghrib, ACPR, AMF, Basel III, PSD2, AML, KYC. Constant regulatory stacking.
Mobile money & inclusion
Wallets, instant payments, Maghreb / West Africa interoperability, telco integration.
Real-time fraud
Growing volumes, increased sophistication, millisecond detection required without false positives.
How we help
Core banking API encapsulation
Mainframe kept intact. Modern API gateway in front. Internal developers consume fresh data, AI models access real-time flow without hacking nightly batches.
AI credit scoring
Proprietary models on multi-source client data (transactions, mobile, externals). Instant decision, explainability, ACPR / Bank Al-Maghrib compliance.
Real-time fraud detection
Streaming pipeline, sub-second anomaly detection, supervised and unsupervised models combined, integration with existing payment systems.
Adapted to banking regulation
Compliance audit
Mapping of BCEAO / Bank Al-Maghrib / ACPR constraints. Mobilisable data identification.
Secure POC
Isolated environment, anonymised data, operational and compliance risk validation.
Progressive deployment
Cohort production, reinforced monitoring, tested rollback at every step.
Run + internal audit
Internal control documentation, 24/7 support, quarterly steering committees.
Compliance audit
Mapping of BCEAO / Bank Al-Maghrib / ACPR constraints. Mobilisable data identification.
Secure POC
Isolated environment, anonymised data, operational and compliance risk validation.
Progressive deployment
Cohort production, reinforced monitoring, tested rollback at every step.
Run + internal audit
Internal control documentation, 24/7 support, quarterly steering committees.
What we deliver
“Our COBOL core banking stayed in production. UNIPOLE laid an API layer and we plugged our scoring AI in 4 months. Zero downtime, ACPR compliance validated.”
“Real-time fraud detection on 200,000 transactions/day. False positives divided by 3, fraud caught in milliseconds. Clear competitive edge.”
Modernise your bank, without breaking it
Let's spend 30 minutes discussing your core, your AI use cases and the first costed phase we can commit to.