Fintech Proposes Industrywide Automation Standards Modeled on Automotive Success
martini.ai, a leader in AI-powered credit intelligence, has introduced the Financial Autonomy Ladder a six-level framework designed to help financial institutions transition from manual workflows to fully autonomous decision-making systems. Inspired by the SAE autonomy standards in the automotive industry, this ladder gives banks and financial firms a clear roadmap to modernize credit workflows in an era where speed, transparency, and predictive power are critical. Currently, most institutions still rely on manual processes and outdated data, which creates delays, risks, and competitive disadvantages in fast-moving markets.
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The framework defines six stages, starting from Level 0 (Raw Data), where firms depend solely on spreadsheets and outdated human analysis, all the way to Level 5 (Policies), where AI systems independently make strategies and adapt to market conditions in real time. Today, martini.ai operates at Level 2 (Reports), where its platform uses graph-based AI to provide real-time risk intelligence, uncover interconnected risks, and deliver dynamic insights that empower analysts to act quickly.
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“As markets become more interconnected, institutions can’t afford weeks-long delays in identifying risks,” explained Rajiv Bhat, CEO of martini.ai. “The Financial Autonomy Ladder gives firms a clear way to measure where they are and what it takes to move forward. Those who adopt earlier will gain a significant competitive advantage.”
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The company envisions widespread industry adoption of this framework, helping regulators, institutions, and technology providers establish a shared language for automation capabilities. By making the Financial Autonomy Ladder publicly available, martini.ai hopes to set a new industry standard—similar to how autonomy levels reshaped progress in the automotive sector—so that financial services can move toward smarter, faster, and safer decision-making.
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