Financial institutions make thousands of risk-related decisions daily, from credit underwriting to fraud detection and compliance monitoring. Yet, most companies still rely on fragmented tools or in-house coded systems, leading to inefficiencies, lack of transparency, and scalability issues. Traditional decision-making models struggle to integrate AI while maintaining control and regulatory compliance. The result? High operational costs, slow iteration cycles, and increased exposure to errors in high-stakes environments.
The Market: AI Adoption in Financial Risk Management
AI is widely used in customer support and marketing automation, but its penetration into financial risk management remains limited. Companies face two primary challenges: the need for highly skilled engineers to build and maintain AI systems and the necessity for precise, auditable decision-making processes. Errors in risk assessment can result in massive financial losses, regulatory fines, or reputational damage. As a result, many organizations hesitate to fully embrace AI-driven decisioning.
However, the financial sector is on the verge of a shift. With the increasing complexity of risk management and fraud prevention, institutions are actively seeking solutions that combine AI’s efficiency with human expertise. This is where Taktile comes in.
The Solution: Taktile’s Integrated Decision Automation Platform
Founded in 2020 by Maik Taro Wehmeyer and Maximilian Eber, Taktile provides a decision automation platform that enables businesses to design, monitor, and optimize risk-based decisions at scale. Unlike legacy systems, Taktile’s platform offers:
- No-code and low-code capabilities, allowing risk experts to adjust decision logic without engineering bottlenecks.
- Seamless AI integration, ensuring machine learning models enhance, rather than replace, human decision-making.
- Real-time decision monitoring and iteration, reducing delays in adapting to evolving risk patterns.
Taktile’s platform is already used by leading fintechs like Mercury, Kueski, and Zilch, as well as major financial institutions, including Allianz and Rakuten Bank. Clients report significant performance gains:
- Zilch reduced service provider and usage costs by 50%.
- Zippi accelerated policy logic deployment by 67%, doubling experimentation capacity.
- Breakout Finance cut underwriting time by 95%, enabling risk teams to process up to 5x more applications.
Corporate and Financial Backing
Headquartered in Berlin, London, and New York, Taktile has expanded rapidly, operating across 24 markets. In 2024, it quadrupled its customer base and grew its ARR by 3.5x, reinforcing its position as a leader in decision automation.
The company recently raised a €51.5M Series B round, led by Balderton Capital, with participation from Index Ventures, Tiger Global, Y Combinator, Prosus Ventures, Visionaries Club, and Larry Summers. This brings Taktile’s total funding to €75.3M.
According to Rob Moffat, General Partner at Balderton Capital, “Taktile is solving a fundamental issue in financial decisioning. Companies shouldn’t have to build complex, mission-critical decision engines from scratch. Taktile’s platform provides a unified, AI-enhanced framework that is already proving its value across fintechs and financial institutions.”
The Road Ahead: Scaling AI-Driven Decisioning
Taktile is poised to redefine risk management by making AI-powered decision automation the industry standard. By bridging the gap between risk teams and AI engineers, Taktile ensures that financial institutions can scale their decisioning processes without sacrificing control or compliance.
With AI set to become an integral part of financial workflows in 2025 and beyond, Taktile is well-positioned to lead the charge in transforming risk automation for banks, fintechs, and insurers worldwide.
