STOCKHOLM · AI FOR BANKS & FINANCE
Let AI do the heavy lifting. You make the decisions.
We believe AI should make experts better, not replace them. Our agents read, check and draft – every step traceable, every decision yours.
THE PLATFORM
Varsna is an agent-based AI platform for banks and finance. The AI reads the annual reports, bank statements and credit report, picks out the figures that matter and links each one to the line it came from. Then it runs the analysis against your credit policy and drafts the credit memo in your template.
That saves time. Hours of retyping figures and building spreadsheets become a review of work that's already done – so your case officers spend their time on the judgement calls, and the customer gets an answer sooner.
The AI prepares the basis. You make the decisions.
How it worksHOW IT WORKS
Every figure, traced to its source.
Our agents do the reading, checking and drafting. You review – and you decide.
Annual report 2025 · Page 1 of 38
01 · Read
AI prepares You decide
Illustrative
BY THE NUMBERS
From a day of groundwork to an hour or two of review.
- 0 weeks
- for three in four banks to approve a typical small business loan – complex credits take four to six weeks[1]
- 0–0 %
- productivity gain in a bank pilot where AI agents gathered the data and drafted the credit memo[2]
- ~0 min
- for Varsna to read a case's documents and capture around 100 figures[3]
Reading and keying in figures
Ratios and policy check
First draft of the credit memo
Total per case
~7 h→~1.5 h
The bars are an example for one SME credit case: Varsna's own estimate of the groundwork only, not a measured result. It varies by bank and case.
- [1]FDIC, Small Business Lending Survey (2024), Section 3: Loan Underwriting and Approval.
- [2]McKinsey & Company, “Seizing the agentic AI advantage” (2025).
- [3]Varsna test run: 94 figures from six demo documents read and source-linked in 50 seconds.
THE INDUSTRY
Varsna works within banking and investment. This is a highly interesting industry, though it is an industry where you’re not only risking a company’s money, but other people’s. Therefore we have high standards of cybersecurity and we take it seriously.
AI will change a lot in banking. Today a lot of the work is still done by hand, like reading documents and writing reports. A credit decision for a company can take days. AI can do this groundwork in minutes, so the people at the bank can focus on the actual decision.
At the same time banking is highly regulated. The EU has new rules for AI, and when it is used for credit it has to be clear and documented, and a human always has to make the final call. Therefore every number has to show where it comes from.
This is what Varsna is built for. We do the groundwork, we show where every number comes from, and the decision stays with the bank.