Meniga unveils Fini to power AI banking assistants

Meniga has launched Fini, a financial intelligence layer designed to enable banks to integrate agentic AI into their digital channels. Developed in collaboration with five major financial institutions, the product allows AI assistants to access real-time personal finance data and insights to provide personalized, conversational experiences. This launch marks a significant shift for the fintech sector as it moves away from static dashboards toward unified, conversational financial agents that can handle complex user queries and actions.

Meniga, a global banking platform serving over 100 million customers across 30 countries, introduced Fini as a standards-compliant MCP server to bridge the gap between generic AI and personalized banking. The product was developed through close collaboration with five major banks to ensure it meets the specific operational and security requirements of large financial institutions. By leveraging Meniga’s existing financial intelligence, Fini allows AI assistants to ground conversations in a customer’s actual spending patterns, goals, and real-time financial circumstances rather than providing generic responses.

The platform is designed to be model-agnostic, supporting major AI models such as Claude, GPT, and Gemini, as well as proprietary models developed by banks. This flexibility helps financial institutions avoid vendor lock-in while maintaining strict data sovereignty, as customer data remains within the bank’s own infrastructure and governed by its internal access controls. For users, this translates to the ability to ask plain-language questions about subscription costs or holiday budgeting and receive immediate, data-driven answers that allow for direct action within the chat interface.

From a strategic perspective, Meniga CEO Raj Soni highlighted that the success of agentic banking depends on grounding conversational layers in real financial context. For banks, implementing Fini offers the potential for higher customer engagement and reduced operational costs by automating routine support queries end-to-end. As customer expectations shift toward instant, personalized answers, this technology enables banks to upgrade their digital offerings without the need to rebuild their underlying core systems, providing a more seamless transition into the era of generative AI.