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Opens in a new window Opens an external website Opens an external website in a new window To improve your experience, we (and our partners) store and/or access information on your terminal (cookie or equivalent) with your consent for all our websites and applications, on your connected terminals. Our website may use these cookies to: Measure the audience of the advertising on our website, without profiling Display personalized ads based on your navigation and your profile Personalize our editorial content based on your navigation Allow you to share content on social networks or platforms present on our website Send you advertising based on your location Privacy Policy Customize Your Choices Accept All Continue Without Accepting H2O AI Super Agent™ for Sovereign AI REQUEST LIVE DEMO LEARN MORE BEYOND SURFACE-LEVEL INSIGHTS We Built the World’s Leading Deep Research Solution, On-Premise & Air-Gapped Enterprise LLM Studio Distill and Fine-Tune SLMs on Your Private Data. Learn more H2O Driverless AI Accelerate model development with automatic feature engineering and explainability. Learn more h2oGPTe A secure, enterprise platform that converges generative and predictive AI—purpose-built for SLMs and LLMs. Learn more Enterprise LLM Studio Distill and Fine-Tune SLMs on Your Private Data. Learn more H2O Driverless AI Accelerate model development with automatic feature engineering and explainability. Learn more h2oGPTe A secure, enterprise platform that converges generative and predictive AI—purpose-built for SLMs and LLMs. Learn more Enterprise LLM Studio Distill and Fine-Tune SLMs on Your Private Data. Learn more H2O Driverless AI Accelerate model development with automatic feature engineering and explainability. Learn more 123 SOCIAL PROOF Transform Your Data into Secure, Autonomous Agents—Today Trusted by the World’s Most Regulated Industries Australia’s largest bank cuts fraud by 70% with H2O Enterprise AI We trained 900 of our analysts to use H2O.ai. Every decision we make for our customers—and we make millions every day—we’re making those decisions 100% better using H2O.ai - Andrew McMullan, Former Chief Data & Analytics Officer, Commonwealth Bank of Australia READ USE CASE AT&T + h2oGPTe transform call center operations, return 2X ROI in free cash flow Last year, we returned 2X ROI in free cash flow on every dollar we spent on generative AI. That’s a one-year return. - Andy Markus, CDO, AT&T. H2O.ai continues to innovate and define what’s next in AI. With their partnership, we’re moving faster, delivering more value, and co-creating new AI products. Andy Markus, CDO, AT&T READ USE CASE NIH + h2oGPTe create 24/7 “business assistant” to support 8K federal employees By deploying H2O.ai’s h2oGPTe inside our air‑gapped environment, we delivered a secure Generative AI assistant that surfaces precise policy and procurement answers in seconds—freeing our team to concentrate on mission‑critical improvements instead of repeating FAQs.” Director ONBS, NIH READ USE CASE H2O.ai helps you transition from pilots to production using your models and private data—deployed securely on your infrastructure. Active, global ecosystem of 2M+ data science users on H2O.ai open source. In-house, on-the-ground KGM expertise in global hubs. End-to-end GenAI platform built for air-gapped, on-premises or cloud VPC deployments. Used by banks, telcos, and government agencies worldwide. No data sharing. No model exfiltration. Airgapped and FedRAMP. LEARN MORE LEARN MORE ABOUT OUR TECHNOLOGY PARTNERS SMART WORKFLOWS SECURED Autonomous agentic workflows with human-in-the-loop oversight, reasoning, and safeguards — at the highest possible accuracy. From fraud detection to HR support agents, H2O Vertical Agents scale the delivery of critical jobs to be done, without compromising trust. Works with Your Apps Together, they enable agents that go beyond language—able to forecast, reason, optimize, and take action. This convergence powers decision-making and automation across enterprise workflows. KYC and customer onboardingLoan automation and fraud investigationsTrade reconciliation and regulatory reportingWealth portfolio rebalancing and debt collectionCall center resolution and customer supportDocument routing and policy filing Call center classificationText to SQLCustomer service agentsBilling issue resolution agentsNOC alert triage agentsField dispatch optimization agents Audio Surveillance & TranslationSatellite Imagery & Object DetectionImmigration Policy SimulationAnomaly Detection for IT OpsLLM-Powered Document & Archive SummarizationAgency Assistants and Chatbots Vertical agents in banking Vertical agents in telco Vertical agents in public sector The Highest Caliber Institutions Trust H2O.ai’s Technology Vision H2O is modular, composable, and enterprise-ready—built for speed, accuracy, and high-precision. Our h2oGPTe Agent consistently tops the leaderboard for deep research accuracy We were the first to achieve 75% accuracy on the General AI Assistant (GAIA) test, placing us ahead of OpenAI’s deep research. Read More Gartner MQ DSML H2O.ai is recognized based on its completeness of vision and ability to execute. Read More AI AGENT Create powerful AI agents to automate work at scale Vertical Agents Create powerful domain-specific agents to automate work at scale on your private data. Digital Assistants Find answers. Generate responsive, situation-specific content you can trust. Safety H2O MRM and Eval Studio provide automated testing, human-calibrated evaluations, and real-time risk monitoring to ensure transparency—strengthening compliance, risk management, and user confidence. Easily Integrate Into Your Stack H2O’s APIs make it easy to integrate agentic AI search and task agents into existing workflows via Google Drive, SharePoint, Slack, Teams, and more. Best-in-Class Agents For Sovereign AI REQUEST LIVE DEMO --- Opens in a new window Opens an external website Opens an external website in a new window To improve your experience, we (and our partners) store and/or access information on your terminal (cookie or equivalent) with your consent for all our websites and applications, on your connected terminals. Our website may use these cookies to: Measure the audience of the advertising on our website, without profiling Display personalized ads based on your navigation and your profile Personalize our editorial content based on your navigation Allow you to share content on social networks or platforms present on our website Send you advertising based on your location Privacy Policy Customize Your Choices Accept All Continue Without Accepting H2O.ai Privacy Policy H2O.ai Privacy Policy (Updated October 23, 2025) 1. Introduction and Scope H2O.ai, Inc. (“H2O”, “we”, “our”, or “us”) values your privacy and takes the protection of personal information seriously. This Privacy Policy explains how we collect, use, store, and share personal information when you use the H2O.ai platforms or services, including SaaS-based offerings, websites, and related services (collectively, the “Services”). By accessing or using our Services, you acknowledge that your personal information will be handled as described in this Privacy Policy and in accordance with applicable laws. Except where explicitly stated, we do not rely on consent as the sole legal basis for processing. Customer-provided input data, metadata, and model data are not used to train H2O.ai AI models, unless explicitly agreed in writing. Such data is processed solely to provide the requested Services. This Privacy Policy applies globally, with additional information for residents of California, the EU/EEA/Switzerland, Brazil, Canada, Singapore, Australia, and other jurisdictions where applicable data protection laws provide specific rights. If you have a disability, you may request an alternative format of this Privacy Policy by contacting privacy@h2o.ai. 2. What Does This Privacy Policy Cover? This Privacy Policy covers H2O’s treatment of personally identifiable information (“Personal Information”) collected when you use our Services, participate in H2O events, or engage with our marketing activities. “Personal Information” refers to information that identifies or relates to a particular individual, and includes “personal data” under applicable laws. This Policy does not cover models or information collected by third parties outside our control. This Policy does not apply to content that we process on behalf of our customers of our business offerings, such as our API. Any such use of that data is governed by agreements covering access and use of those offerings. 3. What Personal Information Does H2O Collect? 3.1 Information You Provide to Us We collect information you provide when you: ● Subscribe to, purchase, or use Services; ● Create or manage H2O accounts; ● Register for or attend events, or communicate with us via phone, email, or otherwise; ● Submit support tickets, feedback, questionnaires, or other requests; ● Utilize notification services ● Participate in community features or post on H2O websites. Types of information you may provide include: ● Name, email, address, phone, and other contact details; ● Payment information, including credit card and bank account information; ● Location information; ● Organization and colleagues’ contact information; ● Usernames, aliases, roles, and other authentication or security credentials; ● Feedback, testimonials, inquiries, support tickets, phone/chat/video sessions, email, and other communications with H2O; ● Image, video, 3D, or voice data from events or use of Services; ● Information regarding identity, including Government-issued ID information. H2O does not require or intentionally collect special categories of personal data (health, biometric, political, etc.) unless required by law. 3.2 Automatic Information We automatically collect certain data when you interact with H2O Services, including: ● Network and connection information (IP address, ISP); ● Device, application, browser type/version, operating system, time zone; ● Device location; ● Authentication/security credentials; ● Interaction and service metrics (downloads, streams, API calls, backup information, errors, and other logs); ● Clickstream and page interaction data (scrolls, clicks, downloads). In addition to the information you provide, we automatically collect telemetry, logs, and metrics to maintain, secure, and improve our Services. These may be processed outside the region you selected for customer data storage, but are handled separately from customer input data. 3.3 Information from Other Sources We may collect data from partners, service providers, or public sources, such as: ● Marketing, sales, and recruitment information; ● Purchase, subscription, or support interactions; ● Search results and links, including paid listings (such as sponsored links); ● Credit history and publicly available professional information. H2O collects this information where permitted by applicable law and for purposes described in this Policy. 4. Cookies and Tracking We use cookies, pixels, and similar technologies to: ● Recognize devices and user preferences; ● Improve services and security; ● Conduct research and diagnostics; ● Deliver personalized content and interest-based advertising. Cookies may persist for up to 365 days. You can manage cookie preferences via our Cookie Preferences page. Third-party advertising and analytics providers may also collect anonymized or aggregated data via cookies or web beacons. 5. Commercial and Business Purposes for Collecting Personal Information H2O collects Personal Information for purposes including: ● Providing, customizing, and improving the Services; ● Managing user accounts and profiles; ● Processing orders and billing; ● Marketing and advertising Services; ● Communicating with users; ● Improving the Services, including testing, research, internal analytics, and product development; ● Fraud prevention, security, and debugging; ● Legal compliance, enforcement of agreements, and dispute resolution. We do not collect or use Personal Information for materially unrelated purposes without providing notice. 6. How H2O Uses and Shares Personal Information 6.1 Service Providers We share Personal Information with third-party service providers to assist with: ● Hosting, technology, and communications; ● Security and fraud prevention; ● Customer support; ● Product fulfillment and delivery. 6.2 Advertising and Analytics Partners ● Advertising partners may use aggregated or anonymized data to provide targeted marketing. ● Analytics partners provide insights into web traffic, usage, and Service interaction. 6.3 Business Partners and Authorized Parties ● H2O may share Personal Information with joint promotion partners, social media services, or other users authorized by you. 6.4 Business Transfers In mergers, acquisitions, or similar transactions, Personal Information may be transferred to a third party, with efforts to notify affected individuals. 6.5 Legal Obligations We may share Personal Information to meet legal obligations, enforce agreements, or protect rights, property, or safety. 6.6 Data Not Considered Personal Information Aggregated, de-identified, or anonymized data may be used or shared for analytics and Service improvement, provided individuals are not identifiable. 6.7 AI Services H2O does not use Customer Content to train or improve our AI models except for the customer itself. Our Company may also use third-party AI services (such as large language models) to support and improve our operations. We do not, however, control or have access to the training date or model parameters of those systems, and we cannot directly access, identify, or remove information that may be embedded within them. Requests regarding such data should be directed to the provider of the relevant AI service. 7. Retention of Personal Information Customer data is deleted upon termination of the customer environment unless otherwise agreed. Logs are retained for up to three (3) years. Telemetry, metrics, and diagnostic data may be retained indefinitely for security, operational, and reliability purposes, unless deletion is requested and feasible (subject to technical limitations and legal obligations). 8. Children’s Personal Information We do not knowingly collect information from children under applicable age thresholds in your jurisdiction. We target enterprise clients, not children. If we discover such information, it will be deleted promptly. If you become aware that a child under the applicable age has provided any personal information to us while using our Services, please email us at privacy@h2o.ai, and we will investigate the matter. 9. Subprocessors H2O uses subprocessors to support delivery of Services. A current list is published at http://trust.h2o.ai/ and updated periodically. 10. Information Security H2O implements technical and organizational safeguards, including encryption, role-based access controls, monitoring, and audits. H2O maintains SOC 2 Type II certification and is pursuing ISO 27001. Data breaches posing risks are reported in accordance with applicable law. Despite these efforts, no transmission is ever fully secure or error free and you should, therefore, take special care in determining what information you provide the Services. In addition, H2O is not responsible for circumvention of any privacy settings or security measures contained on the Services or third-party websites. 11. Privacy Information for Specific Jurisdictions Depending on where you live and subject to applicable exceptions, you may have the following rights in respect of Personal Information: ● The right to know information about our processing of your Personal Information, including the right to access your Personal Information, often in a portable format; ● The right to request deletion of your Personal Information; ● The right to correct your Personal Information; and ● The Right to be free from discrimination relating to the exercise of any of your privacy rights. 11.1 California Residents (CCPA/CPRA) ● Rights to access, deletion, and non-sale of Personal Information. ● We do not sell or share personal information, including for cross-context behavioral advertising. ● Methods to exercise rights: email privacy@h2o.ai. 11.2 Nevada Residents ● Right to opt out of sales of certain Personal Information, email privacy@h2o.ai. H2O does not sell Personal Information. 11.3 EU/EEA/Switzerland Residents (GDPR) ● H2O is the controller for personal data collected in these jurisdictions. ● Lawful bases: contract, legal obligation, legitimate interest, consent (where required). ● Rights: access, rectification, erasure, portability, objection, restriction, withdrawal of consent. ● Complaints may be filed with local supervisory authorities. 11.4 Global Privacy Rights ● Residents of Brazil, Canada, Singapore, India, and Middle East jurisdictions may have rights to access, correct, delete, or port personal data, and to object or restrict processing. These rights may vary by jurisdiction and are subject to local legal requirements. 11.5 Exercising Your Rights. You can exercise your privacy rights by submitting a request through privacy@h2o.ai. 11.6 Verification. In order to protect your Personal Information from unauthorized access, change, or deletion, we may require you to verify your identity before you can submit a request to know, correct, or delete Personal Information. If you do not have an account with us, or if we suspect fraudulent activity, we may ask you to provide additional Personal Information for verification. If we cannot verify your identity, we will not be able to honor your request. 11.7 Authorized Agents. You may also submit requests through an authorized agent, but if you do so, the agent must present written authorization to act on your behalf, and you may also be required to independently verify your identity. 12. Transfers of Personal Data ● Personal data is primarily processed in the U.S., but customers can select data residency options where available. ● International transfers rely on Standard Contractual Clauses, EU-U.S. Data Privacy Framework, UK Addendum, or Swiss Addendum. ● By using the Services, you authorize transfer, storage, and processing of your information in the U.S. and other countries as necessary. 13. Conditions of Use Privacy disputes are subject to this Policy, our Terms of Service, and any written agreement between you and H2O, including applicable limitations, arbitration, and California law. 14. Marketing Communications ● You may unsubscribe from marketing emails by clicking “Unsubscribe” or emailing privacy@h2o.ai. 15. Changes to this Privacy Policy H2O may update this Policy from time to time. The version in effect at the time of data collection governs. Material changes will be posted at https://h2o.ai/privacy/. 16. Questions or Concerns Contact us at privacy@h2o.ai with questions, concerns, or to exercise your rights. However, H2O may decline to act on automated, bulk, or unverifiable privacy requests submitted by third-party entities without sufficient proof of authorization or identity verification. H2O will make every effort to address inquiries promptly. --- Opens in a new window Opens an external website Opens an external website in a new window To improve your experience, we (and our partners) store and/or access information on your terminal (cookie or equivalent) with your consent for all our websites and applications, on your connected terminals. Our website may use these cookies to: Measure the audience of the advertising on our website, without profiling Display personalized ads based on your navigation and your profile Personalize our editorial content based on your navigation Allow you to share content on social networks or platforms present on our website Send you advertising based on your location Privacy Policy Customize Your Choices Accept All Continue Without Accepting H2O.ai Use Cases Regulatory Reporting Assistant Assess whether the bank’s capital and liquidity meets financial safety and regulatory standards. Strategic Insight Summarizer Summarize bank’s strategic priorities with 2–3 key achievements. Generate 2-3 points on future opportunities. Call Summary and Resolution Summarize an audio file from a customer call and determine if the issue was resolved. Home Loan Credit Risk Assessment Assistant Assess creditworthiness based on financial history, income, and debt to support consistent, explainable home loan decisions. Loan Amount Prediction Predict how much a borrower is likely to request using historical loan data to support faster, more informed lending decisions. Financial News Analyzer Use video RAG to extract key insights from financial news videos and for fast and accurate market and performance analysis. KYC Document Verification Assistant Streamline KYC by using image RAG to read and verify driver’s license details, flagging issues like missing or expired information during onboarding. Travel Digital Assistant Answer travel questions, propose itineraries and budget plans. Financial Services Healthcare Insurance Manufacturing Marketing Retail Telecom Financial Service Use Cases Infrastructure and Operations Cyber-threat detection Help information security teams reduce risk and improve their security posture efficiently and effectively Learn more Cash Optimization Create an intelligent cash management system based on cash demand forecasting; predict cash demand Learn more Accounting and Auditing Transform auditing from quarterly to real-time, driving audit quality, accuracy and reliability Learn more Employee Retention View predictions of employee departure, forecast churn rates and identify relevant factors contained in employee data Learn more Anomaly Detection This time series process looks at expected data volumes based on historical patterns. Upper and lower boundaries... Learn more Customer Acquisition Account Opening / Card Issuing Promote products (accounts, cards) with more relevancy to boost customer acquisition Learn more Credit Scoring Help underwriters evaluate creditworthiness using alternate data sources; predict credit potential Learn more Fair Lending and Loan Predictions Simplify the process of predicting whether the customer will default Learn more Buy Now, Pay Later (BNPL) Harness alternative data beyond traditional credit checks to support credit... Learn more Debt Repayment Model prepayment risk and automate document classification to predict repayments/prepayment risks Learn more Personalized Offers Product Recommendations Understand the relationship between various products in a catalog and generating... Learn more Contextual, Cookieless Targeting Help marketing teams at FIs achieve more awareness and achieve higher conversions Learn more Behavioral Targeting Send messages/content at the right time with the right content based on individual and collective customer... Learn more Propensity to Buy Expand offers to customers with accuracy and speed by implementing predictive analytics Learn more Direct Mail Marketing Develop better customer profiles that will target direct mailing, optimizing costs behind direct in-home mailing Learn more Customer Service and Retention Customer Handling and Call Center Optimization Improve customer experience and reduce handling costs; map the query by the customer to appropriate... Learn more Customer Churn Predict customer churn based on behavioral patterns and cadence of transactions; Identify leading indicators for churn Learn more Financial Markets Bond Pricing and Performance Train and score 2-way bond pricing models in real-time; predict errors between price... Learn more Trading Strategies Define objective functions & impose constraints; formulate rule definitions; run trade simulations Learn more Factor Investing Predict factors (eg, volatility) for a given security universe and select securities generating alphas Learn more M&A Advisory Services Predict the likelihood of a public company being acquired over given time frames to provide a rapid yet in-depth... Learn more Cryptocurrency Trading Make predictions about the dynamics of the cryptocurrency market; determine the sentiment of the crypto market by.... Learn more Fraud and Compliance Application / Account Opening Fraud More accurately score applicants for fraud to drive down manual reviews... Learn more Check Fraud Quickly and accurately detect fraudulent alterations (eg, counterfeit, forged) in bank checks Learn more Collusion Fraud Detect buyer and seller collusion; analyze acticities, accounts addresses, device IDs, coordinates, ... Learn more Transaction Fraud Find new ways to improve fraud detection accuracy and detection time across multiple transaction fraud types Learn more Anti-Money Laundering Leverage ML to more accurately spot suspicious and criminal behavior; balance compliance and cost by assessing the risk... Learn more Customer 360 KYC Automation Operationalize customer data understand behavior analytics for marketing and fraud prevention use cases Learn more Customer Behavior Analysis Segment users on the basis of different attributes such as demographics data Learn more Healthcare Use Cases Providers Referral Automation Businesses and enterprises have lots of unstructured data - especially documents and image scans... Learn more Hospital Capacity Simulator Hospital capacity simulation solution aims to predict census, hospital capacity, and patient stay. Learn more Gene Mutation AI H2O.ai’s Gene Mutation AI offers a portable personalized medicine interface that can offer an individual’s genetic risk on demand... Learn more Chest Abnormality Detection Chest X-Rays (CXRs) are widely used for diagnosing abnormalities in the heart and lung area. Automatically detecting these... Learn more Clinical Decision Support for Heart Disease Clinical decision support for heart disease has been created to assist in early diagnosis of heart diseases which can also help... Learn more Predicting Hospital-Acquired Infections An estimated one in 10 patients acquires an infection while hospitalized. This solution can monitor hospital... Learn more Site Selection AI can be leveraged to speed patient identification and recruitment, reduce site burden, and empower patient engagement... Learn more Predicting Readmissions Readmission can be significantly reduced by taking steps while the patient is still hospitalized, defining different actions... Learn more Payers Medical Claims Fraud The U.S. Justice Department estimates that 3% of healthcare claims in the United States are fraudulent. Learn more Fraud and Claims Overpayment Detection Claims may be overpaid due to fraud, waste, or abuse by providers, pharmacies, members, or payers'... Learn more Customer Churn Prediction Customer churn is a challenge faced by all organizations. The customer churn prediction solution, a robust solution ... Learn more Remits With patients responsible for an increasing amount of their healthcare costs, self-pay accounts are now... Learn more Vaccine NLP This application demonstrates the use of AI in extracting information from Social Media platforms, improving... Learn more Pricing of Healthcare Plans Inaccurate pricing is costly for insurance companies and pricing of plans is an ongoing battle. This solution improves... Learn more Support Ticket Time to Resolution AI ticket management systems with machine learning capabilities can do wonders when it comes to... Learn more Critical Care Management Unsupervised machine learning techniques have been used to explore massive amounts of data encoded... Learn more Predict Factors Contributing to Opioid Abuse Treating addiction is tremendously expensive. This AI solution aims to identify potential... Learn more Pricing of Healthcare Plans Inaccurate pricing is costly for insurance companies and pricing of plans is an ongoing battle. This solution improves... Learn more Clinical Operations: Cytopathology AI Cytopathology AI facilitates the analysis of liquid biopsies by offering clinical decision support to the clinician... Learn more Public Health Predicting Flu Encounters Companies are leveraging AI, and machine learning to create infectious disease forecasting. For flu predictions... Learn more COVID Forecasts Using state-wide health information exchange data, ML models can actually predict a patient's likelihood... Learn more COVID-19 Vaccination Progress Monitor The solution would provide transparency into COVID-19 vaccination trends around the world, created these interactive... Learn more COVID-19 Vaccine Adverse Effects Predictor The COVID-19 vaccine adverse effects predictor solution, helps determine adverse effects... Learn more Pharmaceuticals Personalized Healthcare Program Personalized medicine at scale is on the horizon, and AI is playing a key role in getting there. Learn more Mechanisms of Action (MoA) Prediction The elucidation of a compound's Mechanism of Action (MoA) is a challenging task in the drug... Learn more Determining Drug Effectiveness from Reviews Leveraging an AI solution for processing text reviews of drugs employing ML algorithms to provide... Learn more Order Manager The order manager solution enables real time monitoring and assessment of impact of world events on... Learn more Inventory Manager The inventory manager solution leverages AI to define the status of inventory Learn more Predict Out-of-Stock Risk Out-of-stock issues have been around for decades. Managing inventory using ML based stock out... Learn more Predictive Maintenance Maintenance is a key area that can drive major cost savings and production value around the world Learn more Supplier Risk Model By building a real-time and predictive supplier assessment and monitoring model using AI, organizations get... Learn more Promotion & Budget Optimization This solution provides a deep understanding of different promotion channels at regional/national level. Learn more Agent Performance The field force is our major asset that connects the company with the market and the prescribers. Learn more Provider Scoring By leveraging the Provider Scoring solution, pharma companies can quantitatively measure physicians'.... Learn more HR Resume Matching The objective of the HR resume matching tool is leveraging AI to reduce or eliminate time-consuming tasks in the recruitment process. Learn more Product Launch Physician Targeting The objective of the solution is to identify which physician has the potential to write a prescription for your product... Learn more Insurance Use Cases Claims Denials Management Streamline the denials management process by finding claims that have a... Learn more Claims Fraud Detection Flag potentially fraudulent claims for further review, an also identify good transactions and streamlining their... Learn more Fraud Mitigation Machine learning models can be used to automate claims assessment and routing based on existing fraud patterns. Learn more Customer Retention Look at a variety of data, including new data sources, and at relatively complex interactions... Learn more Personalized Rate Management Use more personalized data to make the risk assessment results in an individualized picture of risk Learn more Personalized Product Bundling Insurance companies can determine which products and policy options are the best fit for a given consumer. Learn more Claims Management AI models can also provide reason codes for claims denials, which streamlines the review process by allowing the analyst to quickly resolve Learn more Manufacturing Use Cases Predictive Manufacturing Design AI based models can determine which combinations of variables are most likely to produce a positive result Learn more Predictive Maintenance AI based predictive maintenance uses a variety of data to determine which components should be replaced before they break Learn more Supply Chain Optimization AI models can be used to update resource plans, reroute inventory where it is needed, and streamline resource... Learn more Transportation Optimization AI based transportation optimization leverages route information, weather data, fuel cost and other such factors... Learn more Marketing Use Cases Next Best Offer Marketers can determine which customers are likely to be interested in current offers and only those customers will receive them Learn more Lead Scoring AI based machine learning models can score marketing leads using a wider variety of factors and learn from those leads that ultimately became... Learn more Smart Segmentation AI based machine learning models can easily segment customers using a much wider variety of data including browsing behavior, prior... Learn more Content Personalization AI techniques can be used to create 1:1 personalization of content that matches the right content with the right customer at the right time. Learn more Next Best Action Discover the touchpoint that is likely to produce the desired outcome based on successful outcomes from interactions with other customers combined with... Learn more Retail Use Cases Assortment Optimization AI models can look at a variety of factors including past sales, store display space, local trends, online behavior, and more to determine which... Learn more Pricing Optimization AI models can be used to determine the best price for each item using data on seasonality and price elasticity along with real-time inputs Learn more Telecom Use Cases Predictive Customer Support AI models can then determine the most likely issues that the customer is facing with the minimal amount of questioning. Learn more Predictive Fleet Maintenance AI models can look for patterns in data that indicate failure modes for specific components or generate more accurate predictions of the lifespan... Learn more --- Opens in a new window Opens an external website Opens an external website in a new window To improve your experience, we (and our partners) store and/or access information on your terminal (cookie or equivalent) with your consent for all our websites and applications, on your connected terminals. Our website may use these cookies to: Measure the audience of the advertising on our website, without profiling Display personalized ads based on your navigation and your profile Personalize our editorial content based on your navigation Allow you to share content on social networks or platforms present on our website Send you advertising based on your location Privacy Policy Customize Your Choices Accept All Continue Without Accepting AI Agents for Financial Services H2O.ai delivers the world’s leading Agentic AI platform—combining Generative and Predictive AI to automate, accelerate, and de-risk banking operations from customer onboarding and loan underwriting to fraud prevention and compliance reporting in regulated financial environments. LEARN HOW Why Leading Banks Choose H2O.ai Financial Crime-Ready Built to detect emerging typologies across fraud, AML, and insider risk Verticalized Agents Tailored for financial services, built with real workflows in mind Explainable & Auditable Every decision is transparent and regulator-ready Sovereign & Flexible Deploy in your cloud, on-prem, or air-gapped infrastructure Unified AI Platform Combine Generative AI + Traditional Predictive AI using AutoML from award-winning H2O Driverless AI Transforming Fraud Prevention: Australia’s largest bank cuts scam losses by 70% using real-time GenAI from H2O.ai 30% Fraud Reduction 70% Scam Reduction “Every decision we make for our customers—and we make millions every day—we’re making those decisions 100% better using H2O.ai than with previous models.” Dr. Andrew McMullan, Chief Data & Analytics Officer Commonwealth Bank of Australia LEARN MORE AI Agents Transforming Every Corner of Banking AI Agents for Insider Threat Detection Core Banking Modernize Core Banking with AI Agents From onboarding to treasury operations, AI agents accelerate workflows across retail, commercial, and wealth management. Automate SME onboarding and loan servicingOptimize portfolios and client segmentationEnable real-time forecasting and cross-border payments Protect Protect Proactive Protection, Autonomous Defence AI agents detect fraud, prevent data loss, and enforce Zero Trust—before threats become breaches. Block fraud and synthetic identities in real timeDetect insider threats and data exfiltrationAutomate patching and phishing detection Customer Customer Personalized Engagement at Scale AI agents adapt every interaction—from campaigns to customer service—based on behavior, sentiment, and value. Real-time personalization across channelsAutomate campaigns and loyalty programsEnhance retention with context-aware interactions Enterprise Enterprise AI-Powered Decisions Across the Enterprise From forecasting to IT automation, agents unlock insights and orchestrate workflows across the organization. AI-driven forecasting and capital planningStress testing and climate risk modelingData pipeline and DevOps automation Support Support Autonomous Support with a Human Touch Resolve 80% of service tasks autonomously—while agents assist your teams with smarter insights and faster response. Automate password resets, disputes, payment matchingAnticipate and resolve issues before they escalateIntegrate chat, email, and voice with live agent support Explore AI Solutions for Banking Automate compliance, accelerate lending, and gain real-time insights with H2O.ai. Our AI assistants streamline KYC, credit risk, and reporting—improving accuracy and customer experience. USE CASES Best-in-Class Agents For Sovereign AI REQUEST LIVE DEMO
