Can AI finally solve financial risk decisioning? Taktile secures $54m to make it happen

Taktile, a leader in AI-driven risk decisioning, has raised $54 million in a Series B funding round, reinforcing its position in automated risk decisioning for financial institutions. The round was led by Balderton Capital, with participation from Index Ventures, Tiger Global, Y Combinator, Prosus Ventures, Visionaries Club, and former US Treasury Secretary Larry Summers. With this latest investment, the company’s total funding has now reached $79 million.

Taktile’s platform is designed to empower financial risk experts by allowing them to build, refine, and optimize AI-powered risk decisioning models. The company aims to bridge the gap between AI adoption in financial services and the industry’s need for regulatory compliance, accuracy, and transparency.

Scaling AI Risk Decisioning Amid Financial Industry Challenges

Over the past year, Taktile has quadrupled its customer base and reported a 3.5x growth in annual recurring revenue. Operating across 24 markets, its clients include fintech innovators such as Mercury, Kueski, and Zilch, along with established financial institutions such as Allianz and Rakuten Bank.

The company has been recognized as a category leader in decision automation by G2, a leading business software review platform. Taktile has held this ranking for three consecutive quarters and most recently secured 12 accolades in G2’s Winter 2025 report. Further cementing its industry impact, the company won the “Tech of the Future – Decision Making” award at the 2024 Banking Tech Awards USA, hosted by FinTech Futures.

Why AI Adoption in Financial Decision-Making Is Lagging

The financial services industry has been slower than other sectors in adopting AI-driven automation for risk decisioning, largely due to regulatory concerns, compliance requirements, and data privacy constraints. While AI is widely implemented in customer support chatbots and personalized marketing, integrating AI into credit underwriting, fraud prevention, and regulatory compliance has been more complex.

The stakes are high. Errors in AI-powered risk decisioning can result in loan defaults, fraud losses, regulatory fines, and the rejection of legitimate customers. A notable example is TD Bank’s $3.1 billion settlement in October 2024, after regulators found deficiencies in its anti-money laundering controls. This case underscores the growing scrutiny financial institutions face regarding AI-based transaction monitoring and fraud detection.

Another challenge in AI adoption for risk decisioning is the shortage of AI engineers who can build and maintain advanced decision-making models. While large language models can automate certain tasks, they struggle to handle the nuances of financial risk analysis. As Goldman Sachs CEO David Solomon pointed out, AI can automate 95% of regulatory filings, but the last 5% is crucial, as the rest is now a commodity.

How Taktile’s AI Decisioning Platform Solves the Industry’s Challenges

Founded by CEO Maik Taro Wehmeyer and CPTO Maximilian Eber, Taktile offers a comprehensive AI-powered risk decisioning platform that ensures risk teams—not just engineers—retain control over decision-making. The platform allows financial institutions to build, monitor, and refine decision automation models across key processes, including credit underwriting, fraud detection, and regulatory compliance.

Wehmeyer emphasized that Taktile is redefining AI adoption in financial services, ensuring it remains transparent, regulated, and expert-driven. He explained that from the start, the company believed organizations could improve millions of lives by making optimal decisions for their customers. By keeping experienced risk experts in control, even the most highly regulated financial firms can integrate AI into high-stakes workflows.

Rob Moffat, General Partner at Balderton Capital, highlighted the platform’s game-changing potential in financial services. He stated that it is surprising that many companies still use disconnected tools for different decisions when they could unify risk management on one platform. He added that Taktile provides a seamless way to optimize decision logic across business functions, a key factor in the company’s rapid market adoption.

Real-World Impact of AI in Risk Management

Taktile’s platform has already delivered measurable results for its customers. Zilch, a leading “buy now, pay later” provider, has reported a 50% reduction in service provider costs since implementing Taktile’s automated risk decisioning tools.

Chanuka Perera, Head of Credit Risk at Zilch, explained how Taktile has transformed their underwriting process. He stated that Taktile has given them unprecedented control over their automated decision-making, allowing them to optimize risk models at scale while improving cost efficiency.

Similarly, Brazil-based fintech Zippi has accelerated its policy logic deployment by 67%, doubling its ability to experiment with fraud detection and credit risk workflows. The platform has also enabled Breakout Finance to cut underwriting time by 95%, allowing risk teams to process five times more loan applications without expanding resources.

Pieter Viljoen, Chief Data Officer at Allianz Partners, noted that AI-driven risk decisioning is essential for modern financial institutions. He stated that they needed a partner that understood the intricacies of AI-driven decisioning across multiple industries and regulatory environments. He emphasized that Taktile delivers the infrastructure necessary to deploy AI in mission-critical workflows, making it a valuable asset for financial institutions seeking AI-driven transformation.

The Future of AI-Driven Risk Decisioning in Financial Services

As AI-driven risk management platforms gain traction, financial institutions are under pressure to modernize their decision-making infrastructure. With this latest funding, Taktile plans to expand its AI decisioning capabilities for banks and insurers, accelerate product development to enhance risk transparency, and support more fintech companies in scaling automated risk decisioning.

With increased regulatory scrutiny on AI-powered risk decisions, Taktile’s approach, which prioritizes expert oversight and compliance, positions it as a key player in shaping the future of financial decision automation.