Overview
Malted AI delivers purpose-built, security-first artificial intelligence for financial services. Its flagship product, Pulse, analyzes 100% of customer interactions (voice, chat, email, CRM, case records) in real time and runs entirely inside the customer’s cloud, VPC, or on-premises environment so data never leaves the customer estate. Malted uses proprietary model distillation to produce highly efficient, auditable, and regulatory-aligned models tuned for banking and regulated markets. Core capabilities include complaint and harm detection, complaint prediction, journey-friction analysis, churn prediction, regulatory reporting, and a unified, searchable customer timeline. The platform emphasizes data sovereignty, auditability, and alignment with sector regulations (e.g., GDPR, Consumer Duty).
Key Features
Real-time 100% interaction analysis
Converts conversations into structured signals and alerts in real time to enable proactive intervention across voice, chat, email, messaging, CRM and case records.
On-premise / in-cloud deployment & data sovereignty
Runs inside customer VPC/private cloud or on-premises so data never leaves the customer environment, ensuring data residency and no external egress.
Model distillation & efficiency
Uses proprietary distillation to produce smaller, faster models claimed to be up to 100x more efficient than large general models, enabling lower cost and faster inference.
Complaint detection and prediction
Detects current complaints and predicts emerging complaints to reduce escalations and regulator exposure.
Regulatory reporting & auditability
Produces evidence-backed Consumer Duty and regulatory reports with version-controlled models for audits and regulatory alignment.
Journey friction & churn analysis
Surfaces journey bottlenecks and early churn signals to improve customer experience and reduce attrition.
Who Can Use This Tool?
- Banks:Monitor customer interactions to detect complaints, risk and regulatory issues in real time.
- Wealth managers:Capture and audit client communications to protect customers and meet compliance needs.
- Fintechs:Gain real-time operational insights and reduce friction across customer journeys while keeping data private.
- Compliance & Risk teams:Automate complaint detection, regulatory reporting, and build auditable evidence for oversight.
- Customer Experience teams:Identify journey friction and drive proactive interventions to improve outcomes and retention.
Pricing Plans
Pricing information is not available yet.
Pros & Cons
✓ Pros
- ✓Strong security and data residency: processes data entirely inside customer infrastructure (no external egress).
- ✓Purpose-built for financial services: models trained/tuned on FS data and regulatory contexts.
- ✓Real-time, enterprise-scale analysis: claims to analyze 100% of interactions and surface actionable insights.
- ✓Efficient models: proprietary distillation claims (smaller models, lower cost, faster inference).
- ✓Auditability & regulatory alignment: version-controlled models and evidence-backed reporting.
✗ Cons
- ✗No public pricing or self-serve plans (enterprise sales / demo-only funnel).
- ✗Targeted specifically at financial services — not a general-purpose, broad-market product.
- ✗Limited public documentation/resources visible on site (e.g., no public API docs or developer portal found).
Compare with Alternatives
| Feature | Malted AI | Peppercorn (PeppercornAI) | PolyAI |
|---|---|---|---|
| Pricing | N/A | N/A | N/A |
| Rating | 8.2/10 | 8.2/10 | 8.5/10 |
| Real-time Coverage | Yes | Partial | Yes |
| Deployment Sovereignty | Yes | Partial | Partial |
| Regulatory Auditability | Yes | Yes | Yes |
| Model Efficiency | Yes | Partial | Partial |
| Voice & Telephony | Yes | Partial | Yes |
| Fraud/Complaint Detection | Yes | Yes | Partial |
| Human-in-the-loop | Yes | Partial | Partial |
| Integration Depth | Broad telephony CRM and case system integrations | Integration overlay with implementation support | Strong voice and omnichannel contact-center integrations |
Related Articles (3)
Pulse is Malted AI’s real-time, in-environment AI for financial services, turning all customer interactions into actionable insights.
Specialised, secure AI for financial services from Alexa Prize-winning researchers.
Edinburgh-based Malted AI raises €6.9M seed to build and scale domain-focused small language models for enterprises.
