Local prototype v0.4 · not for distribution

10of 100 · 2026 Edition

Gradient Labs

Specialist AI agents that run customer operations, disputes, KYC and back-office work for banks and fintechs.

Banking OperationsAlso: Fraud & Disputes

Overview

Founded by former Monzo data and financial-crime leaders, Gradient Labs builds AI agents (Otto) that handle customer support, disputes from intake to chargeback, KYB and lending operations for regulated financial firms under compliance guardrails.

What the agents do

Agents resolve customer and operations cases end to end, including disputes and KYB.

Why it matters

Gradient Labs shows agents taking over regulated customer operations at major UK fintechs.

AIIC View

Gradient Labs shows agents moving into day-to-day banking operations, where customer and operational cases, from support to disputes and KYB, can be handled end to end within compliance guardrails.

Banking Operations in the Top 100

All 7 in Banking Operations →
  1. 10Gradient LabsSpecialist AI agents that run customer operations, disputes, KYC and back-office work for banks and fintechs.London, UK · Series A
  2. 39UptiqFinancial AI platform delivering agents for bank and credit-union lending, servicing and wealth workflows.Dallas-Fort Worth, TX · Series B
  3. 53RevRag AIMultilingual in-app and calling AI agents that run onboarding, sales and support journeys for Indian banks, lenders and insurers.Bengaluru, India · Seed
  4. 66interface.aiVoice and chat AI agents for credit unions and community banks that resolve member requests and run collections.Palo Alto, CA · Growth
  5. 73GliaBanking AI platform whose Glia Banker agent handles 1,000+ banking journeys across voice and digital.New York, NY · Series D+
  6. 92EltropyCommunications platform for 750+ credit unions and community banks with an agentic AI platform for member service.United States · Stage not disclosed
  7. 100PoshVoice and digital AI agents for credit unions and banks that resolve member requests 24/7.Boston, MA · Strategic

Selection and ranking are independent of commercial relationships with AI InterConnect.