Meniga, a portfolio company of The New Business Venture Fund Kría, has launched Fini, a new solution that enables banks to securely and seamlessly connect AI agents with customers' financial data. The solution is designed to support the next generation of conversational banking, allowing customers to interact with their bank in much the same way they interact with AI-powered applications.
Instead of navigating menus or searching across multiple screens, customers can ask questions such as, "How much am I spending on subscriptions?" or "Can I afford a trip to Italy next summer?" Fini uses customers' real financial data to provide personalised answers and can also help carry out actions within the same conversation.
The solution is built on the open Model Context Protocol (MCP) standard, connecting AI models with the financial intelligence already available within Meniga's platform. This enables banks to leverage the large language models of their choice—whether GPT, Claude, Gemini or their own proprietary models—without having to rebuild their underlying infrastructure.
According to Raj Soni, CEO of Meniga:
"The banks that win agentic banking will be the ones that ground their conversational layer in real financial context. Not a generic chatbot, but an assistant that actually knows a customer’s spending patterns, their goals, and their upcoming bills, and is able to act on them. With Fini, banks can enter the AI-agent era on the platform they already trust, without rebuilding what’s underneath, and without their data ever leaving the bank."
Fini was developed in collaboration with five international banks, with security and privacy serving as key priorities from the outset. Customers' financial data never leaves the bank's environment and remains protected under the bank's own security and access controls.
According to Meniga, Fini marks a significant milestone in the evolution of digital banking. Rather than relying on traditional chatbots that provide generic responses, banks can now offer AI agents that understand each customer's financial situation and deliver more relevant advice and personalised services.
Meniga serves more than 100 million banking customers across more than 30 countries, and Fini is the latest addition to the company's portfolio of personalised banking and AI solutions.
