Best Bank & FinTech Partnership: M&T Bank & RDC.AI
M&T Bank has been recognized for its groundbreaking partnership with RDC.AI in the prestigious 'Best Bank & FinTech Partnership' category at the Banking Tech Awards USA 2026.
About the partnership
M&T Bank partnered with RDC.AI to modernize its commercial credit monitoring capabilities, replacing manual, rule-based processes with an AI-driven continuous monitoring platform. Fully embedded into banker workflows, the solution enables earlier and more precise identification of emerging credit risks through transaction-level behavioral analysis and explainable AI. Explainability was a key requirement of M&T, and this is directly supported by RDC.AI’s Self Describing Decisions.
M&T is the first North American bank to deploy RDC.AI’s platform at enterprise scale, supporting over 1,200 Relationship Managers and Credit Associates. Rolled out in 2025 with deep collaboration between the two organizations, the initiative delivers measurable impact across risk management, operational efficiency, and client engagement.
Key achievements
The partnership has delivered transformative results, including:
60% reduction in false positives
Streamlined alerts reduce noise and improve focus on meaningful risks.
70% reduction in manual effort
Automated workflows free bankers to focus on higher-value activities.
4x improvement in alert accuracy
Enhanced precision strengthens portfolio oversight and risk mitigation.
Strategic approach and platform capabilities
M&T Bank’s strategy centered on three priorities:
- Improve Risk Precision: Enhance early identification of emerging credit deterioration through transaction-level behavioral analysis.
- Increase Operational Efficiency: Reduce manual investigation time and allow Relationship Managers and credit professionals to focus on higher-value activities.
- Strengthen Client Engagement: Enable earlier, more informed conversations with commercial clients before financial stress escalates.
RDC.AI’s platform supports these objectives with innovative features, including:
- Explainable AI: Ensures transparency and trust in predictions, critical for banking institutions.
- Seamless Workflow Integration: Predictive alerts are embedded directly into daily systems used by Relationship Managers and Credit Associates.
- Scalability: Enterprise-grade deployment supports large-scale banking operations.
RDC.AI Solutions extend the value of every deployment
Banks like M&T can leverage the solid foundation deployed in their first use case to extend additional RDC.AI Solutions in an incremental path, including;
Leads & Limits,
Origination,
Periodic Reviews,
Renewals,
Risk Rating.
RDC.AI Agentic capabilities take it further. They power portfolio-level cohort analysis and understanding, as well as equip bankers for richer customer conversations. As an example, bank leadership can drill into their portfolio in natural language to surface insight and make sharper calls on capital and resource allocation.