Planto, a leading financial technology company specialising in AI-driven banking solutions, officially unveiled its white-label Agentic AI CFO for SMEs at Money20/20 Middle East.

Following its launch, Planto was named the MoneySurge 2026 “Fintech to Watch”, competing with over 300 fintechs around the world, highlighting the transformative impact of agentic AI in business banking across high-growth markets in Asia and the Middle East.

Scalable white-label solution enables banks in Hong Kong, Saudi Arabia, and across the Middle East to transition from passive account providers to active primary financial partners for SMEs.

Small and medium-sized enterprises (SMEs) face mounting operational complexity that goes far beyond checking balances or processing payments.

Without dedicated finance teams, SME owners juggle fragmented tools, from spreadsheets and documents to various software, leaving data scattered and resources perpetually constrained.

Consequently, both SMEs and banks lack a unified view of real-time performance, directly widening the SME lending gap.

Traditional banking apps fall short with static dashboards and passive charts. The Planto Agentic AI CFO bridges this gap by embedding an autonomous suite of financial agents directly into banks’ existing digital channels. This turns the bank into an indispensable partner.

Transforming Bank-SME Relationships Through Agentic AI

Rather than asking SMEs to manually manage cash flow, Planto’s agentic framework executes workflow automation and delivers actionable intelligence directly within the bank’s mobile or web experience.

Key capabilities for banks include:

• Primary Banking Positioning: By executing daily financial tasks, banks embed themselves deeply into the SME’s core operations, driving daily active engagement and long-term retention.
• Intelligent Product Cross-Selling: Real-time financial monitoring allows banks to automatically match and recommend tailored lending, working capital, and treasury management products precisely when the business needs them.
• Full Autonomous Workflow Suite:
  • Reconciliation & Bookkeeping
  • Invoice & Expense Management
  • Payroll Processing
  • Financial Analysis & Forecasting

Targeted Value for Hong Kong & Saudi Banking Ecosystems

With Saudi Arabia’s Vision 2030 driving rapid SME expansion and Hong Kong’s position as an international hub advancing data infrastructure (such as CDI and IADS), banks in both regions are actively competing to secure primary deposit and lending relationships with business clients.

“Banks don’t need another dashboard with a cash flow chart—they need intelligent agents that actively manage financial workflows for their SME clients. Winning MoneySurge confirms that financial institutions in both Asia and the Middle East are eager to deliver real operational value to SMEs, turning routine banking relationships into scalable revenue drivers and closing the over USD200bn gap in financing.” said Jessica Liu, Co-founder and CEO of Planto.

Planto’s enterprise-ready, white-label platform is built to integrate seamlessly with core banking systems while adhering to strict regulatory, data privacy, and security frameworks required by central authorities across Hong Kong and the GCC.