Your AI foundation for finance.
Faster decisions, stronger compliance.
Loan applications assessed in minutes. Compliance documentation handled automatically. From banks and advisory firms to mortgage and insurance brokers. Your data, your cloud, live in weeks.
6 weeks
time to production
96%
extraction accuracy
80%
time saved on reporting
NZ-hosted
your cloud, your data
The challenge
Financial services runs on trust. Trust takes time you don't have.
Banks, advisory firms, mortgage brokers, and insurance brokers all face the same pressure: rising compliance costs, margin compression, and clients who expect faster, better service. Every manual process takes time away from the people and decisions that matter most.
Document processing is still manual
Invoices, loan applications, financial statements, client correspondence. Each one needs reading, extracting, and entering into another system. The volume keeps growing but the team doesn't.
30-40%of advisor time spent on documentation and compliance
NZ financial advisory benchmark
Compliance burden keeps increasing
CoFI fair conduct programmes, AML/CFT transaction monitoring, FMA disclosure requirements, RBNZ returns. Every new regulation adds documentation and reporting your team must handle on top of their day jobs.
CoFIregime now requires evidence of fair consumer treatment
Financial Markets Authority, March 2025
Board reporting consumes senior staff
Board packs assembled manually from multiple systems. Risk reports, financial summaries, compliance updates - all pulled together by your most expensive people. Hours spent every governance cycle on formatting, not analysis.
4-8 hrsper board cycle on pack assembly
NZ governance benchmark
Margins are tightening from every direction
Net interest margins compressed. Advisory fees under pressure from low-cost platforms. Mortgage brokers competing on speed to approval. Insurance brokers processing hundreds of comparisons manually. Everyone needs to do more with fewer people.
50%of NZ consumers now use at least one fintech product
EY Global FinTech Adoption Index
The gap
You've probably trialled Copilot already.
Your team's using ChatGPT for drafting. Someone piloted a document extraction tool that couldn't connect to your core system. A mortgage broker tried an AI comparison tool that didn't understand NZ lending criteria. A vendor promised AI-powered compliance and delivered a reporting dashboard. You're not behind. Most firms and brokerages are in the same place.
The problem was never the AI.
It was the infrastructure underneath. Something that connects to your core systems, understands your compliance requirements, and gets smarter as your team uses it.
That's what we build.
What changes
From manual processes to AI-assisted workflows.
Manual data extraction
Invoices and applications extracted manually
Auto-extracted
Structured data extracted automatically, human reviews and approves
Slow loan assessments
Loan assessments take days of data gathering
AI-prepared briefs
AI-prepared risk briefs with scores. Your analyst reviews, not builds.
Manual board packs
Board packs assembled manually from multiple systems
Auto-assembled
Executive summaries generated in minutes, decisions tracked automatically
Scattered compliance docs
Compliance documentation scattered across drives
Instant answers
99.5% accurate answers from your compliance knowledge base, instantly
Inconsistent RFP scoring
RFP evaluation is inconsistent across reviewers
Criteria-scored
Proposals scored against weighted criteria, consistent and auditable
Vendor sprawl
Each AI tool is a separate vendor or pilot
One platform
One platform, shared intelligence, gets smarter over time
This is what AI-assisted financial services looks like. Your analysts focus on decisions, not data gathering.
Your financial services platform
Start with best practice. Tailor to your organisation.
Your platform begins with best-practice capability, then gets tailored to your organisation. Your compliance requirements, your data, your cloud.
Intelligent Knowledge
FoundationYour compliance and product knowledge, searchable by everyone.
AI Knowledge Base
Every team member gets instant, accurate answers
AML/CFT procedures, CoFI fair conduct policies, product disclosure statements, and internal SOPs. All accessible in seconds. Your team stops searching shared drives and starts getting answers. 99.5% query accuracy in production.
Intelligent Chat
Handles queries with real understanding, not scripts
Not a scripted bot. A contextual assistant that handles client queries, staff compliance questions, and product enquiries with real understanding of your financial products and regulatory requirements.
Documents & Credit
The two highest-volume manual processes in financial services.
Document Extraction
Invoices, applications, and statements processed in seconds
Extracts structured data from invoices, loan applications, financial statements, and client correspondence. Supplier, amounts, line items, tax, dates - all extracted automatically with human review before processing.
Credit & Loan Assessment
Applications assessed in minutes, not days
Evaluates loan and credit applications against your risk criteria automatically. Gathers data from multiple sources, scores risk, and produces a structured recommendation brief for human review and approval.
Governance & Procurement
Senior staff tools for board cycles and vendor management.
Board & Governance Intelligence
Executive summaries in minutes, not hours
Distils lengthy board papers into structured executive summaries with key decisions, risks, and action items. Tracks governance decisions across meetings. Saves hours of senior staff time per board cycle.
Procurement & RFP Scoring
Consistent evaluation against your weighted criteria
Scores vendor proposals, tenders, and RFP responses against your weighted evaluation criteria automatically. Produces a structured comparison brief with recommendations. Removes bias and inconsistency from procurement decisions.
Your Logo
Dashboard
Processed Today
312
+9%
Accuracy
96.4%
+0.2%
Time Saved
86h
this week
Pending Review
7
Recent Activity
Doc Extractor Processed 18 loan applications
3m ago
Knowledge Base Answered CoFI policy query
5m ago
Credit Assessment Scored APP-4821 - moderate risk
9m ago
Board Intel Summarised Q1 governance pack
14m ago
Context: CoFI Compliance · Fair Conduct Programme
What are our CoFI obligations when launching a new product disclosure?
Under the Financial Markets (Conduct of Institutions) Amendment Act 2022, you must ensure fair treatment of consumers across the product lifecycle. For new product disclosure: (1) Fair conduct programme must cover the product before launch, (2) Disclosure must be provided within 5 working days of issue, (3) FMA expects proactive identification of consumer harm risks. Your current programme was last reviewed in Feb 2026.
What about review timelines for existing products?
Existing products must be reviewed annually under your fair conduct programme. Your next review cycle is due 30 Jun 2026. I can pull the current product register if you need the full list.
INV-8847 - Supplier Invoice
96% confidenceExtracted Fields
Supplier
Datacom NZ Ltd
Amount
$42,800 + GST
Due Date
28 Apr 2026
PO Reference
PO-2026-1184
Match
Matched to PO
GL Code
Auto-assigned
⚠ Amount exceeds delegated authority ($40K). Manager approval required.
ApproveCorrectEscalate
APP-4821 - Business Lending
AssessedCredit Score
B+
Debt Service
1.8x
LVR
62%
AI Recommendation
Standard terms recommended. Trading history 8 years, strong cash flow. Collateral covers 1.6x exposure.
Sources Checked
Companies Office · PPSR · Credit Bureau · Bank Statements (24mo)
ApproveConditionsDecline
Q1 Governance Pack - Draft Summary
AI-structuredKey Decisions
• Approve revised AML/CFT risk appetite statement
• Endorse FY27 technology investment programme
• Accept Q1 conduct and culture report
Risk Items
• Cyber resilience - penetration test findings (2 critical)
• Regulatory - FMA thematic review on fair conduct programmes
Action Items
• CFO to present remediation plan by 30 Apr - J. Patel
• CRO to update board risk register - M. Chen
Summarised from 47 pages across 6 board papers. Review required before distribution.
Vendor Evaluation - Core Banking RFP
4 scoredTemenos
Score: 82/100
Finastra
Score: 78/100
TCS BaNCS
Score: 71/100
Silverlake Axis
Score: 68/100
Scoring based on 12 weighted criteria. All proposals independently assessed.
Organisation
Company name
Your Company Ltd
Team members
80 / 100 active
Infrastructure
Cloud region
NZ (Auckland)
Hosting
Client Cloud (AWS)
Default model
GPT-5 Mini ▾
Security
Audit logging
Auto-processing
SSO enabled
See it working
Upload an invoice. Watch it get extracted.
Four of 30+ working AI modules from the RIVER platform, running live. Your team reviews structured output instead of processing raw documents.
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The Impact
Results that compound.
We partner with our clients to deliver results that matter.
0 weeks
avg. time to production
For initial AI release.
0%
extraction accuracy
On production deployments.
0+
AI modules in production
Purpose-built for enterprise operations.
0K+
files in largest RAG
Real knowledge base, real scale.
Packages
Choose how to start. Scale when you're ready.
Starter
Prove the value with one module
From $40K
setup
Then $4K
/mo
(from month 4)
6-8 weeks to production
Foundation (Knowledge Base + AI Chat)
Document Extraction module
NZ-hosted, RIVER managed
One module, one outcome. Prove AI works for your team, then expand.
Recommended
Growth
Your complete AI operations layer
From $80K
setup
Then $8K
/mo
(from month 4)
10-14 weeks to production
Foundation (Knowledge Base + AI Chat)
Document Extraction, Credit Assessment, and Board Intelligence
1 data integration (core system or CRM)
Cross-module intelligence sharing
Team onboarding and training
NZ-hosted, RIVER or Your Cloud
Complete coverage across document processing, credit assessment, and governance. Connected and ready.
Custom
Compliance, integrations, and beyond
Pricing scoped during discovery based on your requirements and integration complexity.
AML/CFT and CoFI compliance automation
Core banking or lending system integration
KYC/AML onboarding workflows
Multi-entity and group configurations
Need regulatory reporting, core banking integration, or KYC automation? We scope the platform around your existing infrastructure.
For the cost of one senior hire, your entire team gets AI-powered tools. Every module you add compounds value.
NZ-hosted infrastructure (your cloud - AWS or Azure - or RIVER-managed). You own your data and workflows, with code access available. Pricing based on platform complexity and team size, scoped during discovery.
Common questions
What you need to know. Before your first conversation.
Latest Thinking
Ideas from the field.
Enterprise AI insights, guides, and research, from a team who ships it.
Trusted by teams that scale.
We partner with our clients for meaningful impact.
RIVER learnt our business inside out and found growth opportunities we hadn't seen. Their expertise has made a real difference on our ability to scale.
Jay Harrison
Founder, Edison Health 2022
We crunch through complex data to generate insights. RIVER made it simple to work through, while keeping everyone aligned on our app's core value proposition.
Alex Osborn
CTO, trev 2024
RIVER has been central to our technology and growth. Their ability to deliver solutions that perform continues to drive results across our business.
Mark Bramwell
Director, Commercial Realty 2024
RIVER listens, understands our needs, and delivers solutions that give us back time. That's what a good partnership looks like.
Tony Naidu
Development Manager, ABA 2025
RIVER helped us validate our market, launch our platform, and continue to provide ongoing support. They've been with us every step.
Mike Collins
Founder, iMatch Sport 2025
RIVER has been a trusted partner throughout this project. They've exceeded our expectations, and we're already seeing the difference their work is making.
Ellen Lekka
Programme Specialist, UNESCO 2025
The team at RIVER has been an incredible partner from day one. Their ongoing support has helped make our success possible.
Scott Townshend
Founder, trev 2022
RIVER approached every detail with care. We're impressed by how thoughtful they are, ensuring each decision is made with consideration and purpose.
Daemon Coyle
GM, MHF 2021
Our new brand is bold and effective, and customers love it. The website has driven a real increase in leads.
Marcus Sin
GM, Cleanly 2020