Baptiste Audren (Komgo): How Komgo’s Embedded AI Is Transforming Bank Guarantee Management
Komgo is the leading trade finance solution enabling corporates to connect with all their financial institutions to manage guarantees, Letters of Credit, and all trade-related instruments on a single platform. Its embedded AI enhances efficiency, automates document processing, and strengthens compliance within a secure, enterprise-grade environment tailored to global trade complexities.
What makes Komgo’s AI approach different from public AI systems?
While public AI tools offer impressive general capabilities, Komgo’s use of AI is purpose-built for trade finance. Instead of building a generic chatbot, we’ve embedded intelligence directly into our workflows—whether you're issuing a bank guarantee, reviewing a letter of credit, or managing a borrowing base.Public AI systems operate on broad knowledge and open data, which often leads to unreliable outputs or “hallucinations” in sensitive financial contexts. In contrast, Komgo’s embedded AI approach operates within a controlled, enterprise-grade framework. It draws from specialized knowledge bases, uses domain-specific prompts, and integrates with trusted tools like calculators, verification engines, and compliance checkers to make the provided answers reliable. The result? Fewer errors, smarter automation, and more trust.
Where does Komgo’s use of AI create the most value for treasurers and trade finance teams?
AI isn’t a side project—it’s now deeply embedded across our products. Treasurers working with us are already seeing real impact:
Export Letters of Credit drafting: Drag-and-drop functionality now auto-generates draft documents, saving hundreds of hours in preparation and comparison. Guarantee Vetting: AI pre-validates guarantee texts against internal rules and bank preferences, reducing friction and accelerating issuance—cutting the issuance process by at least 50%. Data Analytics: Key data can be queried instantly, enabling faster report preparation and supporting more focused, outcome-driven discussions with financing partners and senior management. By integrating AI into day-to-day tasks, we’re helping clients work faster, reduce risk, and make better decisions—with full regulatory confidence.
We have created a safe, reliable, and enterprise-grade environment for innovation. Co-developed with multinational clients and their global treasury teams—known for their high standards and expectations—we have paved the way for a cost-effective, efficient, and secure use of AI in trade finance
How do you ensure accuracy and security when using AI in such a regulated environment?
In trade finance, accuracy and security are non-negotiable. That’s why we’ve designed our use of AI around answer reliability, not just model performance. We use a layered approach: First, advanced input engineering ensures the AI receives clear, contextual instructions. Second, we enrich the AI’s understanding with long-term memory and document-specific knowledge. Third, the AI is supported by external tools—like exchange rate feeds or compliance rules—to cross-check its own conclusions. On the security side, Komgo’s infrastructure is SOC1 and SOC2 Type II compliant. Client data never trains the AI models and is never sent to third-party APIs. Each client’s data is fully segregated, with granular access rights in place. This architecture aligns with evolving regulations like the EU AI Act and offers peace of mind to even the most risk-averse institutions.