Fintech Rational Exponent Emerges from Stealth with AI Platform That Turns Regulatory Risk and Governance into Strategic Growth for Banks
Debuting at Money20/20, Rational Exponent introduces a new era of agentic AI for banks—embedding real-time compliance, risk intelligence, and adaptive decision making directly into operational workflows.
WEST PALM BEACH, Fla. — October 14, 2025 — Rational Exponent, an AI-native fintech company founded by banking insiders, regulatory experts, and technology visionaries, officially emerges from stealth mode today to announce the launch of re:agent™, a transformational enterprise AI platform purpose-built for banks navigating the evolving compliance-heavy, resource-constrained, innovation-driven landscape.
Across the financial sector, institutions face the challenges of continuously changing regulatory and compliance requirements, legacy constraints, operational risks, resource limitations, and the urgent demand to accelerate innovation. With 77% of organizations reporting that compliance burdens have stifled business growth, re:agent™ solves these challenges by embedding regulatory intelligence directly into daily operational workflows, shifting compliance into a business-aligned module that enables teams to create compliant, approval-ready banking products in days, not months or years. This enables decision-makers to turn risk and governance from burdensome overhead into strategic drivers of growth.
“As the volume and complexity of regulatory requirements continue to grow, banks are investing in automation to ease the burden across risk, compliance, and regulatory change functions,” said Ian Watson, Analyst at Celent. “Most solutions stop at establishing new policies and controls. re:agent™ goes further, rationalizing and maturing them, enabling business teams to design compliant products, and maintaining real-time compliance across daily operations. re:agent™ turns policy into execution, giving banks confidence that every action stays within guardrails while freeing teams to focus on growth.”
re:agent™ — A New Strategic Weapon for Financial Institutions
Chief Compliance Officers, Chief Risk Managers, Banking Operations Managers, Technology and Innovation Leaders, and M&A Business Leaders wrestle with increasing regulatory pressures, digital transformation goals, board-level accountability, and increasing competitiveness to grow assets. re:agent™ directly addresses customers’ key pain points with three product suites—re:agent™ Intelligence, re:agent™ Execution, and re:agent™ Business Catalyst—which are architected for large-scale business transformation, orchestrating cross-domain changes to align with customers’ strategic automation initiatives.
“As someone who has spent a career driving business value for major financial institutions with technology, I’ve seen firsthand how regulatory complexity can silently erode performance and inhibit growth,” said Boe Hartman, Rational Exponent Board Member and former Goldman Sachs Partner. “What makes Rational Exponent a game changer is its ability to transform the burden of compliance, operational risk, regulation, and legacy institutional knowledge into business value. By embedding AI-driven intelligence directly into the banking environment, Rational Exponent empowers teams to move faster, reduce risk, achieve compliance with confidence, and unlock high ROI, delivering the breakthrough the industry has been waiting for.”
re:agent™ Product Suite
re:agent Intelligence
- Rationalizes policies, procedures, and controls
- Provides the analytical backbone for discovery, validation, and monitoring
- Ensures the compliance framework is complete, correct, and adequate
re:agent™ Execution
- Operationalizes policies and controls into daily workflows
- Embeds compliance by design (products/workflows built to be compliant from the start)
- Maintains compliance in motion (every transaction stays inside guardrails)
re:agent™ Business Catalyst
- Bridges Intelligence and Execution to ensure rapid product launch with prudent risk control
- Empowers business leaders to design and launch products that are “approval-ready” by default
- Brings product ideation, risk appetite, and compliance guardrails together in one workbench
“re:agent™ is purpose-built to redefine how banks operate, scale, and lead,” said Ryan Schoenfeld, CEO of Rational Exponent. “In today’s competitive banking environment, speed without control is a liability. Banks need to move faster while maintaining trust, transparency, and compliance. re:agent™ makes that possible by transforming static compliance, risk management, and transactional data into real-time, actionable intelligence. The results are operational performance that is at once compliant, prudent, and a catalyst for growth.”
The re:agent™ platform is available today for banks and financial institutions of all sizes.
Rational Exponent will be at the Money20/20 Conference at the Venetian Resort in Las Vegas, Nevada, October 26–29, 2025. Board Member Boe Hartman will speak on Sunday, October 26, at 13:45, on the Smart AI, Smarter Banks: Harnessing Autonomous AI Without Losing Control panel, at the Data Summit in the Galileo Room (1001–1003, Level 1) at The Venetian Resort. For more information or to schedule a meeting with the company, please visit www.rationalexponent.com/events.
About Rational Exponent
Founded by bankers, technologists, and regulatory experts with decades of domain expertise, Rational Exponent has reimagined the future of banking. Its AI-powered platform, re:agent™, embeds real-time compliance, dynamic risk intelligence, and adaptive decision-making into daily workflows, transforming governance and risk from operational overhead into intelligent drivers of strategic business growth and positioning for market leadership. The company has offices in West Palm Beach, Florida, and Altrincham, Cheshire, United Kingdom. For more information about Rational Exponent, please visit www.rationalexponent.com or email info@rationalexponent.com.
Media Contact
- Trevor Turner for Rational Exponent
- Email: media@rationalexponent.com
- Phone: +1-415-989-9049
