A purpose-built multi-agent system for Abu Dhabi Islamic Bank — replacing manual KYC, AML and Sharia-review bottlenecks with an auditable, API-native automation layer that sits on top of your existing Azure-hosted core.
VZU is the applied-AI engineering arm of AdaptUs Group, operating from Vancouver, Dubai and Mumbai. Plex Dubai is our MENA delivery entity, operating in the UAE since 2010. Together we design and ship multi-agent systems for operators who cannot treat "audit trail" as an afterthought — the same discipline this proposal applies to ADIB's financing and compliance workflow.
ADIB has publicly named AI-enabled capability as a pillar of its 2035 Vision, and digital sales now represent the majority of new business. That shifts the real bottleneck downstream — to what happens after a customer submits a financing application. Today, that happens as three disconnected manual steps. Click each to see why it hurts.
Every solution below integrates at the API layer against ADIB's existing core banking, document management and case management systems — no core replacement, no ledger data migration, no re-certification risk. New capability runs alongside legacy systems with full rollback at every stage.
The agent layer reads and writes to ADIB's core exclusively through existing APIs. Nothing here requires access to raw core banking data stores, and every layer rolls back independently. Click a layer to expand it.
Turns unstructured Murabaha, Ijara and Sukuk-linked financing applications into structured, Sharia-validated, core-ready data — automatically.
Cuts false-positive review load so compliance officers spend their time on genuine risk — with every decision, cleared or escalated, logged as it happens against CBUAE / FATF-aligned sources.
The connective tissue across Solutions 1 and 2 — turning every agent decision into an instantly explainable, queryable record for Sharia Supervisory Board and regulatory review.
Each solution generates the input the next one needs automatically. Nothing here requires a human handoff between steps unless the Escalation Agent specifically calls for one.
Every agent across Solutions 1–3 already exists in our library. Where ADIB needs something specific to its bilingual, Open Finance-connected reality, we build and sandbox-test it within a day.
Four stages, each one a hard gate. Nothing advances to the next stage without your sign-off. Click a stage for exactly what access it has.
No black boxes. This is the real stack behind every agent in this proposal — today, and as we agentize the rest of ADIB's workflow.
This proposal is scoped to financing and compliance — but it draws on a much wider agentic-AI bench across our two engineering teams.
ADIB's compliance and IT security teams retain full visibility into rule logic, thresholds and data flow throughout. Click a phase for its deliverables.