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Aptus.AI brings AI from assistance to execution in regulated industries

Thursday, September 17, 2026 — 18:29:36 (UTC)

APTUS.AI BRINGS AI FROM ASSISTANCE TO EXECUTION IN REGULATED INDUSTRIES

The Italian fintech company, also operating in Luxembourg, is enabling organisations in highly regulated industries to delegate operational tasks to AI, moving beyond the traditional conversational assistant model.

Its approach combines legal reasoning, verifiable sources and the ability to recognise when information is insufficient, supported by a proprietary regulatory dataset monitoring more than 200 authorities across seven countries.

Pisa, Italy – September 2026 – As Artificial Intelligence becomes increasingly embedded in organisations, its adoption in highly regulated industries continues to face a fundamental barrier: reliability. For banks, insurance companies, pharmaceutical and energy businesses, as well as legal professionals, retrieving information or generating an answer is not enough. AI must be able to operate within complex and continuously evolving regulatory frameworks, ground its outputs in verifiable sources and recognise when the available information is insufficient to provide a reliable answer.

Italian fintech company Aptus.AI is addressing this challenge by moving AI beyond the traditional conversational assistant model and towards the execution of real activities within legal and compliance workflows.

Already used by major banking, insurance and financial organisations, including Intesa Sanpaolo and Generali Investments, Aptus.AI has developed an approach in which AI becomes an integral part of operational processes, while professionals retain responsibility for interpretation, validation and final decision-making.

This evolution is embodied in Aptus.AI Next-OS, designed to support organisations and professionals in the transition towards AI-native operating models.

WHAT IT TAKES TO DELEGATE WORK TO AI

In regulated environments, the ability to delegate activities to AI depends on more than the capabilities of the underlying model.

Aptus.AI’s approach is built around three capabilities: legal reasoning; the ability to ground every output in verifiable sources; and the ability to recognise when there is insufficient information to provide a reliable answer.

It is the combination of these capabilities that makes it possible for AI to move from simply supporting professionals to performing parts of regulated workflows, while keeping human expertise and responsibility at the centre of the decision-making process.

This requires AI to operate on a reliable and continuously updated regulatory knowledge base. Aptus.AI has built a proprietary dataset that monitors more than 200 national and international authorities across seven countries, covering legislation, decisions by independent authorities and case law.

Alongside the dataset, its patented machine-readable technology converts legal and regulatory texts into structured data that AI can read, understand and analyse within their regulatory context.

This means the system does not simply retrieve information from a collection of documents. It can identify relevant provisions and verify their source, current validity and relationships with other rules, creating a traceable and verifiable basis for AI-driven activities.

FROM ANSWERING QUESTIONS TO PERFORMING REGULATED TASKS

This approach enables AI to take on recurring activities across legal and compliance processes.

Next-OS can, for example, analyse a legal document, verify whether the provisions it cites are still in force, identify amendments or repealed rules and prepare a response framework supported by specific regulatory references.

In compliance processes, it can identify new regulatory measures or supervisory guidance, determine which internal policies and procedures are affected and prepare an implementation plan with the relevant deadlines.

It can also help organisations keep contracts, policies and procedures aligned with regulatory developments by identifying areas that may no longer be compliant.

In every case, results remain traceable and verifiable at source, while interpretation and final decisions remain with the professional.

FROM HOURS TO MINUTES

The impact is already measurable. For the legal team of a large organisation handling approximately 110 legal opinions per month, Aptus.AI has reduced the time required to prepare each opinion by 50–60%, freeing up more than 1,300 working hours per year.

At a regulated fintech company subject to DORA, a document review process for exit strategies that previously required three to four hours was reduced to approximately five minutes.

These results illustrate the potential impact of moving from AI as an individual productivity tool to AI as part of the operational infrastructure of regulated organisations.

“In regulated industries, adopting an advanced AI model is not enough. The real challenge is building a reliable, verifiable and continuously updated knowledge base on which AI can operate,” said Andrea Tesei, CEO and Co-founder of Aptus.AI. “We believe the real differentiator is not the model itself, but the quality of the knowledge that feeds it. A reliable AI system is not one that always provides an answer, but one that can ground its output in verifiable sources and recognise when it does not have sufficient information. Only then can organisations delegate real activities to AI while professionals retain responsibility for interpretation, validation and decision-making. This is the foundation for truly AI-native organisations.”

ABOUT APTUS.AI

Aptus.AI is an Italian RegTech company developing AI technologies for legal and regulatory compliance. Founded in Pisa in 2021 and also operating in Luxembourg, the company supports legal teams, compliance functions and large organisations in managing complex regulatory processes through structured and verifiable legal knowledge. Its patented proprietary technology generates machine-readable versions of legal and regulatory documents, making national and international regulation accessible to AI systems in a structured format. Founded by Andrea Tesei and Lorenzo De Mattei and backed by CDP Venture Capital and P101, Aptus.AI is also involved in major European AI initiatives. In 2023, the company was selected for the Chat-EUR-Lex project under the second NGI Search Open Call and currently acts as an “AI legal assistant” within LLMs4EU – Large Language Models for the European Union.

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Source: Company press release.

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