News, releases, and the occasional confession.

Accrual Bank featured in UiPath DevCon 2026 keynote

Accrual Bank was used as the backdrop for the UiPath DevCon 2026 keynote, with four live automation demonstrations running on the bank's production platform. The demos covered HR onboarding resilience, billing dispute resolution on Flow, agentic QA for loan origination testing, and case-based loan origination across Accrual Bank Capital's mid-market book.

"We did not plan to become a keynote. We planned to build a bank that works. It turns out those are the same thing." Lin Xu, CIO.

HR onboarding  ·  Billing dispute  ·  Agentic QA  ·  Loan origination

Accrual Bank Capital ships billing dispute resolution on Flow

The Capital platform team has moved its SMB billing dispute resolution process onto a single Flow artifact. Around 150 disputes arrive each day. The new flow handles document extraction, ERP and CRM lookups, an agent recommendation, a human approval step, credit memo posting, and a customer resolution email. Clean cases close in under sixty seconds.

The launch followed an incident that became the internal argument for shipping: an S$11,000 dispute was fully approved and the customer notified before the credit memo step failed at the ERP with a 404. The root cause was a single wrong variable reference. The coding agent found it, fixed it, ran evaluations, and restarted the two affected instances before the morning standup had a quorum.

"The fix took less time than the postmortem would have. We decided to not write the postmortem." Rohan Deshmukh, Head of Platform Engineering.

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Accrual Bank Services modernizes HR onboarding platform

The Services unit has completed the migration of its HR onboarding experience off a deprecated vendor API. The new pattern uses a resilient automation layer that falls back to UI automation when upstream APIs change, reducing new-hire time-to-productivity by 41 percent.

"We were tired of waking up to red pipelines whenever a vendor shipped a silent breaking change. The new pattern shrugs and keeps going." Marcus Keller, COO.

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Commercial lending turnaround cut by 73 percent

Accrual Bank Capital has finished rolling out a case-based credit workflow across its SME and mid-market commercial lending books in APAC and EMEA. Average time-to-decision dropped from 11 business days to 2.9. The rollout touched 4,200 relationship bankers across 12 countries.

"Credit is not a straight line. It never was. We stopped pretending it was and the cycle time collapsed." James Okafor, VP Commercial Lending.

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Accrual Bank adopts agentic orchestration across core workflows

Platform Engineering has published an internal reference architecture for running agentic orchestration flows alongside the bank's existing Maestro BPMN estate. The pattern allows developer teams to build on the same product backbone using a newer, agent-native experience.

"Same product, new front door. That is the short version." Rohan Deshmukh, Head of Platform Engineering.

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Accrual Bank reports Q4 2025 results

Net interest income up 8.2 percent year over year. Cost-to-income ratio at 41.3 percent. Board approved a modest dividend increase and named AI ROI a standing agenda item for 2026.

Accrual Bank commits to responsible AI principles

The bank has published its responsible AI principles, covering transparency, human oversight, data governance, and model risk. The full document is available on our responsible AI page.

Read the principles

Compound Checking crosses 4 million active accounts

The flagship retail checking product passed 4 million active accounts, making it the fastest-growing checking product in the bank's history. Average balance per account: S$12,420.

420 bots in production

The Automation COE marked a round number this quarter. The team celebrated with a cake shaped like a BPMN start event. No bots were harmed. Two analysts did cry, but for unrelated reasons involving a pivot table.

Accrual Bank retires its last Excel-based forecasting model

After 14 years of faithful service, Q4_forecast_FINAL_v27_really_this_time.xlsx was deprecated in favour of a governed data pipeline. The file will be kept in cold storage, out of respect, and because somebody still has a macro referencing it.

Lin Xu appointed Chief Information Officer

Lin Xu joins the executive team as CIO. She will lead platform strategy and oversee the continued modernization of the bank's workflow, data, and AI infrastructure.