Source: [Banking and insurance operations](https://fireflysoftware.io/) Description: Firefly runs lending and insurance operations end to end in software, with AI agents where they fit and your team on every decision that’s yours. Language: en # You keep the decisions. We do the work. Firefly runs lending and insurance operations end to end in software, with AI agents where they fit and your team on every decision that’s yours. [Book an operations review](https://fireflysoftware.io/contact/) [Watch a case run](https://fireflysoftware.io/#operating-model) [Scroll to explore](https://fireflysoftware.io/#what-we-do) What we do ## We run the operation and hand you the finished work. We call it Service as a Software. You hand over a defined operation, and on our side every step runs in software, without manual handoffs or a legacy stack. The right technology for each step - ### AI agents run the casework They gather documents, chase what’s missing, investigate, and reconcile. - ### AI models read and draft They read, classify, and extract from documents, then draft for review. - ### Code and rules do the exact work Calculations, postings, and permissions run on deterministic code and your rules. ### Exceptions, resolved or escalated Our AI agents resolve exceptions within the limits you approve. Anything outside them goes to your team, with the evidence prepared. Firefly services ## Ten operations we run for you. Each line shows who does each stage of the work. CreditOS · Credit Operations, as a line of five stages. Receive: an AI model reads, classifies, extracts or drafts. Complete: an AI agent works the case within the limits you approve. Prepare: an AI model reads, classifies, extracts or drafts. Review: your team decides. Execute: the work is done in your systems. ### [CreditOS · Credit Operations](https://fireflysoftware.io/services/creditos/) We build the credit file. Your credit officer decides. UnderwritingOS · Insurance Underwriting Operations, as a line of five stages. Receive: an AI model reads, classifies, extracts or drafts. Complete: an AI agent works the case within the limits you approve. Prepare: an AI model reads, classifies, extracts or drafts. Refer: your team decides. Progress: the work is done in your systems. ### [UnderwritingOS · Insurance Underwriting Operations](https://fireflysoftware.io/services/underwritingos/) We complete the submission. Your underwriter decides on the risk. ### Eight more services - [ServicingOS](https://fireflysoftware.io/services/servicingos/) Loan Servicing Operations - [CollectionsOS](https://fireflysoftware.io/services/collectionsos/) Arrears and Collections Operations - [PolicyOS](https://fireflysoftware.io/services/policyos/) Policy Operations - [ClaimsOS](https://fireflysoftware.io/services/claimsos/) Claims Operations - [OnboardingOS](https://fireflysoftware.io/services/onboardingos/) Customer and Business Onboarding - [ReconcileOS](https://fireflysoftware.io/services/reconcileos/) Reconciliation Operations - [FinancialCrimeOS](https://fireflysoftware.io/services/financialcrimeos/) Financial Crime Operations - [RiskOS](https://fireflysoftware.io/services/riskos/) Risk and Actuarial Operations [Explore all services](https://fireflysoftware.io/services/) Industries ## Operations for banks, lenders, insurers, and fintechs. ### [Banking and lending](https://fireflysoftware.io/industries/banking-lending/) - [OnboardingOS](https://fireflysoftware.io/services/onboardingos/) - [CreditOS](https://fireflysoftware.io/services/creditos/) - [ServicingOS](https://fireflysoftware.io/services/servicingos/) - [CollectionsOS](https://fireflysoftware.io/services/collectionsos/) - [ReconcileOS](https://fireflysoftware.io/services/reconcileos/) - [RiskOS](https://fireflysoftware.io/services/riskos/) ### [Insurance](https://fireflysoftware.io/industries/insurance/) - [UnderwritingOS](https://fireflysoftware.io/services/underwritingos/) - [PolicyOS](https://fireflysoftware.io/services/policyos/) - [ClaimsOS](https://fireflysoftware.io/services/claimsos/) - [OnboardingOS](https://fireflysoftware.io/services/onboardingos/) - [ReconcileOS](https://fireflysoftware.io/services/reconcileos/) - [RiskOS](https://fireflysoftware.io/services/riskos/) ### [Fintech and payments](https://fireflysoftware.io/industries/fintech-payments/) - [OnboardingOS](https://fireflysoftware.io/services/onboardingos/) - [FinancialCrimeOS](https://fireflysoftware.io/services/financialcrimeos/) - [ReconcileOS](https://fireflysoftware.io/services/reconcileos/) - [CreditOS](https://fireflysoftware.io/services/creditos/) - [ServicingOS](https://fireflysoftware.io/services/servicingos/) We scope engagements across the United States, Latin America, and Europe. How it runs ## Every step of a case shows who acts on it. Follow one case through the front, middle, and back office. Select a step to inspect it 1. **01** Front office Quote and verify Output: verified application 1. **1** **Checkout quote** Front office **No decision** The module carries out the step. Firefly **Origination and onboarding** Events APIs 2. **2** **Identity and consent** Front office **AI within approved limits** Accepts IDs that pass verification; failures go to your team. Third party **Identity verification** , through an adapter Events APIs 2. **02** Middle office Assess and decide Output: recorded credit decision 1. **3** **Bureau check** Middle office **No decision** The module carries out the step. Third party **Credit bureau data** , through an adapter Events APIs 2. **4** **Document extraction** Middle office **AI within approved limits** Accepts high-confidence extraction; the rest goes to an AI agent. Firefly **Credit workspace** Events 3. **»** **Document exceptions** Middle office **AI agents, within approved limits** An AI agent chases missing documents and resolves inconsistencies. Firefly **Credit workspace** Events 4. **5** **Approval within limits** Middle office **Approved rules** Code applies your approved rules within limits; referrals go to your team. Firefly **Credit decisioning** Events 5. **»** **Declines and referrals** Middle office **Your team decides** A person with delegated authority decides. Firefly **Credit workspace** Events 3. **03** Back office Offer, fund and book Output: funded, reconciled loan 1. **6** **Offer and disclosures** Back office **No decision** The module carries out the step. Firefly **Closing and funding** Events APIs 2. **7** **E-signature** Back office **No decision** The module carries out the step. Third party **E-signature service** , through an adapter Events APIs 3. **8** **Merchant payout** Back office **No decision** The module carries out the step. Third party **Payment network** , through an adapter Events APIs 4. **9** **Loan booking** Back office **No decision** The module carries out the step. Firefly **Loan servicing** Events 5. **10** **Reconciliation** Back office **AI within approved limits** Matches and posts payments within tolerance; breaks go to an AI agent. Firefly **Accounts and financial records** Events 6. **11** **Audit record** Back office **No decision** The module carries out the step. Firefly **Agreements and documents** Events Example: a consumer loan at a retail partner’s checkout [Service: CreditOS · Credit Operations](https://fireflysoftware.io/services/creditos/) Every step is logged with who or what acted. Illustrative operation: each institution sets responsibilities, limits and approval authority; AI agents resolve the exceptions within those limits. Firefly and third-party modules connect through APIs and events, so each can be extended or replaced; third parties are shown as generic categories. AI acts within approved limits, with explanations, records, monitoring and human review on request. Regulation is design context, not a compliance guarantee. [See how we operate](https://fireflysoftware.io/how-we-operate/) Our commitments ## We answer for the work, within the rules you set. - ### A defined result Output and acceptance criteria, agreed before work begins. - ### Your rules apply Your policies set what proceeds and who decides. - ### Evidence you can audit Every output links to its sources and its rule or model. - ### In your systems We work in your systems, under your access control. [Service levels and control](https://fireflysoftware.io/service-levels-and-control/) Our technology ## Built on open technology we develop ourselves. Every service runs on Firefly OpenPlatform and the Firefly Framework family. Your teams can read the code, and every contract covers the handover. [Explore OpenPlatform](https://fireflysoftware.io/openplatform/) [See the frameworks](https://fireflysoftware.io/technology/frameworks/) [Firefly on GitHub](https://github.com/firefly-oss) One foundation, different business models. COMPOSABLE Firefly OpenPlatform in layers, from top to bottom. Channels for customers, agents and partners, and operations teams. Journeys and business decisions: AI acts within approved limits where regulation allows, and people with delegated authority decide significant or out-of-limit cases. Firefly’s reusable capabilities, with its banking and lending modules. Adapters plugged into the APIs and events. Your core systems, kept and connected. And insurance systems for rating, underwriting, policy administration and claims, each behind an adapter. Use the capabilities you need and connect the systems you keep. How we start ## Start with a blueprint. Grow into an operation. One service, four steps One service assembly in four steps, left to right on one platform. The operations review is a bare product plate, with nothing built yet. The Service Blueprint draws every module in dashed outline, as the plan. In controlled deployment, two modules are in place and the third is snapping in. In managed operation, every module is solid and connected to the APIs and events backbone. Each step builds on the one before. 1. 1 ### Operations review We map one operation with your team. 2. 2 ### Service Blueprint Sets what we run and what you decide. 3. 3 ### Controlled deployment Live on your systems, accepted against criteria. 4. 4 ### Managed operation We run the service and report on delivery. What we deliver ### Each service delivers one unit of work. It is a unit your team already counts, measured against criteria agreed in advance. - CreditOS · Credit Operations Unit of work An accepted credit file - UnderwritingOS · Insurance Underwriting Operations Unit of work A complete submission, ready for your underwriter - PolicyOS · Policy Operations Unit of work A completed policy transaction - ReconcileOS · Reconciliation Operations Unit of work A closed reconciliation cycle For a wider change, our advisory helps you choose what to keep, delegate, or rebuild. [See the advisory offer](https://fireflysoftware.io/advisory/) Perspectives ## Read before you scope. Article ### What to agree before you delegate an operation Why completed work changes the operating model. [Read the article](https://fireflysoftware.io/perspectives/operations-as-a-service/) Whitepaper, October 2026 · 30 pages ### Delegate the work. Keep the decisions. Which banking and insurance operations to hand over, and on what terms. [Read the whitepaper](https://fireflysoftware.io/perspectives/delegate-the-work/) Operations review ## Bring us one operation. Tell us the process, the volume, and what “done” looks like. We will reply with a scope and a plan. [Book an operations review](https://fireflysoftware.io/contact/) [Request a demo](https://fireflysoftware.io/contact/?request=demo)