Your team shouldn’t be re-keying documents between systems.

We build workflow automation for banks, lenders and insurers — inside your systems, with your team approving every decision.

Book a 30-minute workflow review See how a pilot works
The problem

The tools are bought. The work between them isn’t done.

Data still moves by copy-paste between your core system, email and spreadsheets. Submissions, loss runs, bordereaux, reconciliations, credit files — read in one place, re-keyed into another.

84% of UK and US payment firms still rely on spreadsheets for reconciliation.

AutoRek, 2024
What we are

We’re a small engineering team that builds the last mile between the tools you already own — your core system, your email, your spreadsheets, your vendors.

How it works

AI reads. Rules decide. Your team approves.

Documents are read and checked against your rules. Nothing goes out without sign-off.

01 — ReadAI reads the documentsPDFs, email, scans — the key fields pulled into one place, consistently, every time.
02 — DecideYour rules check the workThresholds, matches, missing papers. Exceptions are flagged, not buried.
03 — ApproveYour team signs offNothing leaves the queue without a person’s approval, and every step is logged.
Where we work

Built in your environment

It runs in your cloud or on your servers. Your data stays with you, and you own the code. If you want it, we set up source-code escrow.

Who we help

Banks, lenders and insurers

Credit, underwriting, operations, reconciliation and complaints teams.

Banks Retail and commercial banks, payments firms Account-opening and KYC packs, payment and ledger reconciliation, settlement exceptions.
Lenders NBFCs, housing finance and fintech lenders Credit document packs and CAMs, co-lending reconciliation, collections and complaints.
Insurers & brokers MGAs, coverholders, agencies and TPAs Submission intake, loss runs, certificates, bordereaux.
How we start

We start with one workflow, measure it, then decide together.

We scope one workflow over two weeks, run a pilot against numbers we agree with you, and move to production only if it works.

01 — ScopeTwo weeksWe map one workflow with your team and show where the time goes.
02 — PilotAgainst agreed numbersWe automate it and measure against targets we set with you up front.
03 — ProductionOnly if it worksIf the numbers hold, it goes live. If not, you’ve spent two weeks, not two quarters.

Most AI pilots never reach production. We start small so this one does.

MIT NANDA, 2025
FAQ

Questions.

Not here? Write to bhavya@twoseeds.in.

What does twoseeds do?

We automate the manual back-office work in financial-services operations — submission intake, loss runs, reconciliations, credit files — inside your systems, with your team approving every decision.

Does the AI decide anything on its own?

No. AI reads the documents and drafts the work. Your rules check it. Your team signs off. Nothing goes out without approval.

What do you actually automate?

The repetitive, document-heavy steps: reading, extracting, matching, re-keying, drafting. We don’t automate judgement — appetite, credit decisions and complaint outcomes stay with your people.

Where does it run, and who sees our data?

In your cloud or on your servers. Your data stays put. You own the code, with source-code escrow if you want it.

How do we start?

A two-week scope of one workflow, then a pilot with numbers we agree up front, then production if it works.

What does it cost?

Scoped to the workflow, starting with the two-week scope. You see the numbers before committing to a pilot.

Contact

Tell us one workflow that’s clogging your queue.

Book a 30-minute workflow review. We’ll walk one process with you and show where the time goes.

bhavya@twoseeds.in