Lending that moves faster, evidence that holds up.
Applications assessed in hours, the audit trail already written. Documents read and the credit brief prepared, beside the systems you already run.
Ideal if your lending and compliance teams are buried in documents, and the next regulator visit is already on the calendar.
- Your people make every credit call
- An audit trail on every action
- The paperwork your risk review asks for
The rules keep arriving. The headcount doesn't.
CoFI came into force in March 2025, the last stage of AML/CFT Phase 2 landed in June, and the Deposit Takers Act brings every credit union and building society under RBNZ standards by 2028, and open banking went live in December 2025. Every regime adds evidence to gather, on top of the day job, and the same people are still keying loan applications by hand. RIVER builds the layer that carries it.
Your organisation today
With RIVER
Loan applications, financial statements and bank statements are read and keyed by hand.
Every document extracted to structured fields on arrival, for your team to check before it enters the system.
A credit assessment takes days of gathering before anyone can make the call.
The application scored against your lending criteria, with a brief ready for the assessor to decide.
CoFI and AML/CFT evidence is assembled from inboxes and drives when the regulator asks.
Every check, decision and reviewer logged as it happens, so the evidence exists before anyone asks for it.
Built for CoFI fair conduct and AML/CFT record-keeping, hosted in Aotearoa.
Board packs are pulled together by your most senior people, formatting rather than analysing.
Board papers summarised to decisions, risks and actions, for the CFO to review before it goes out.
Your assessors and compliance leads keep the judgement. The platform takes the documents.
What AI actually does here. Grounded in the work, not the hype.
Documents extracted, credit briefs prepared, evidence logged, board packs drafted - the platform does the volume work and leaves the call to your team.
Take the documents and the credit call
The two biggest time drains first: reading what comes in, and gathering what an assessment needs. Both prepared for your team to decide.
Income on the payslip and the bank statement differ by $4,200 - flagged for your read.
Then the evidence
On that foundation, the compliance record writes itself as the work happens, and the contracts you sign get read against your own policy.
CDD review · this quarter · 1,240 files
And the board pack
The senior hours go back to analysis: the papers summarised to what the board has to decide, and the decisions tracked from one meeting to the next.
Board pack · September
- Risk paper summarised - 2 items for attention8m ago
- Credit committee decisions extracted, 3 actions assigned22m ago
- AML/CFT annual report attached, summary drafted1h ago
- CFO reviewed and released the packtoday
You don't start from scratch. We tailor what's proven to your organisation.
RIVER is over 100 prebuilt modules, tailored to your core system and your lending book in weeks - built to sit alongside Silverlake, Temenos, Finastra, NextGen and Iress Xplan, not replace them.
Everything a third-party risk or procurement review asks for is in our Trust Centre
- Built for CoFI fair conduct evidence, AML/CFT record-keeping and the Deposit Takers Act standards ahead.
- Sits alongside your core banking, lending and wealth platforms - connected, never ripped out.
- Every extraction, score and summary is reviewed by your people before it counts, with the audit trail already written.
Start with one module. Prove it, then grow.
One outcome live in weeks - document extraction, or the credit brief - then add the next when it's earning its place.
The investment
One module live - document extraction on the document type that costs you most.
Or run it on the Retainer from $5,000 a month. If something isn’t delivered in a month, that month is free.
Every financial services engagement includes
- A discovery that agrees your first lending or compliance win
- Human review built into every extraction, score and summary
- NZ-hosted, built for CoFI fair conduct and AML/CFT record-keeping
- Connection to the core banking, lending or wealth platform you run
- The security documentation your third-party risk review asks for
- Your data, your IP, yours to keep
The questions people ask when they’re ready to move.
It sits alongside them, through their APIs - nothing is replaced. Your core system stays the system of record; the platform reads from it and writes back only what your team approves.
- Core banking: Silverlake Axis, Temenos, Finastra and TCS BaNCS.
- Lending and wealth: NextGen, ApplyOnline, Iress Xplan and Salesforce.
- AML screening and accounting: First AML, ComplyAdvantage, Xero and MYOB.
- Middleware where an older system has no API. Most connections land in the first weeks, not a replacement project.
That is what it is built for. The platform runs on your cloud or NZ-hosted for you, your data never trains a model, and every AI action carries a full audit trail with the reviewer's name on it.
- Built for CoFI fair conduct evidence and AML/CFT record-keeping requirements.
- Written up for the Deposit Takers Act outsourcing standards ahead.
- The Trust Centre carries the security documentation your risk and procurement review will ask for.
No. Every extraction, score and summary goes through a person before it counts. The platform reads, scores and prepares; your assessor or compliance lead reviews and decides.
- A credit brief is prepared for the assessor, not approved automatically.
- An extracted application is checked before it enters your system.
- Every action is logged and sourced to the document it came from, which is the evidence a regulator asks for.
Weeks, not quarters. The Starter module is typically live in 6-8 weeks including discovery, build and testing; a fuller rollout with a core-system connection takes a little longer, and we scope it properly in discovery.
That's exactly who it's for. The big banks are already running AI at scale; the non-bank lenders, credit unions, building societies, KiwiSaver and wealth managers and brokerages mostly haven't moved past chatbot trials, and the Deposit Takers Act is bringing more of them under prudential oversight for the first time. Start with one module, prove it on your own files, then expand.
If claims and underwriting are your day, the Insurance page is yours.
Easy to start. Fast to prove. Built to scale.
Tell us about your organisation, and we’ll take it from there. Prefer to look first? Ask Moana, or take the free Readiness Check.
Ideas from the field.
Guides and research from a team that ships it.
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Teams like yours, in their own words.
A decade of work, across health, sport, finance and the public good.
RIVER learnt our business inside out, and found growth we hadn't seen ourselves. That is what changed our ability to scale.
Jay HarrisonFounder, Edison Health · 2022We crunch through complex data to generate insights, and RIVER made it simple to work through, while keeping everyone aligned on our core value proposition.
Alex OsbornCTO, trev · 2024Our business runs on what RIVER built. They have been central to our technology and our growth, and it keeps driving results.
Mark BramwellDirector, Commercial Realty · 2024RIVER listens, understands what we actually need, and gives us our time back. That is what a good partnership looks like.
Tony NaiduDevelopment Manager, Auckland Badminton Association · 2025RIVER helped us validate our market and launch our platform, and they haven't stopped since. They've been with us every step.
Mike CollinsFounder, iMatch Sport · 2025RIVER has been a trusted partner from the start, and they exceeded what we expected. We're already seeing the difference their work is making.
Ellen LekkaProgramme Specialist, UNESCO & SVSG · 2025The team at RIVER has been an incredible partner from day one. Their ongoing support helped make our success possible.
Scott TownshendFounder, trev · 2022RIVER approached every detail with care. Every decision was made with consideration and purpose.
Daemon CoyleGM, Mental Health Foundation · 2021Our new brand is bold and effective, and customers love it. The website has driven a real increase in leads.
Marcus SinGM, Cleanly · 2020We have always been ambitious about what our site should do, and RIVER take on the hardest parts of it. They make it happen, no matter how complex.
Chris HartFounder, Real Groovy · 2021RIVER are responsive and always ready to adapt. We have never had to chase them, and their support has been critical as our needs changed.
Supriya Kulkarni-PadhyeM&E Coordinator, Oceania Football Confederation · 2020We love our new brand. It reflects who we are as a team and resonates with our customers. Thank you for bringing our vision to life.
Tracy BergeGM, Greentree Advisers · 2021