🇹🇳First AI platform for stock market intermediaries

Artificial Intelligence at the Service of BH INVEST

Intelligent document processing, conversational AI assistant, 10 banking use cases and access management designed for stock market and asset management professions in Tunisia.

CMF & BCT CompliantOn-Premise100% Data Sovereignty
10
AI Use Cases
3.5×
ROI in 18 months
6
Benchmarked Leaders

Compliant with banking security standards

CMF
BCT
BVMT
STICODEVAM
ISO 27001
PCI-DSS
Diagnosis

Challenges of the Tunisian Banking Sector

Manual processes that slow competitiveness against regional and global leaders

Document Processing

~500 docs/day processed manually

KYC, stock orders, trade confirmations each document requires 10-15 minutes of manual input. JPMorgan COiN saves 360,000 hours/year with AI.

❌ 8% error rate
JPMorgan: 6 sec/doc

Information Access

2h/day lost searching

Analysts manually search CMF circulars, OPCVM prospectuses and reports. Bank of America Erica handles 70-85% of queries automatically.

❌ Scattered information
BoA: 98% AI success

Access Management

Chinese Walls not automated

Front/middle/back office separation is managed manually without audit trail. CMF requires full traceability over 5 years.

❌ CMF compliance risk
DBS: PURE Framework

Reporting & Compliance

3-5 days for CMF reporting

Regulatory reports are manually compiled. BCT Circular 2025-08 imposes IFRS 9 AI models as a legal requirement.

❌ Delays and error risks
AI: 20-30% cost reduction

Technological Lag

Score 18/100 vs 98/100 JPMorgan

Tunisian banks score 18/100 on Evident AI Index. Attijariwafa (52/100) and CIB Egypt (48/100) are advancing fast in North Africa.

❌ Growing gap
Attijariwafa: 52/100

Fraud & Security

Manual fraud detection

Without real-time ML scoring, fraudulent transactions go unnoticed. Danske Bank reduced false alerts by 50% using AI.

❌ 92% fraud undetected
Danske Bank: -50% alerts

Our Solution: 3 Integrated Modules

A unified platform for all your AI needs

Document Processing (IDP)

OCR + Classification + Extraction

  • OCR French + Arabic + English
  • 28 financial document types
  • Automatic field extraction
  • Knowledge base (CMF circulars)
  • KYC approval workflows
  • Accuracy ≥ 95%

⚡ 6 sec/doc vs 12 min manual

AI Assistant (NLP)

Chatbot + SQL-to-Text + APIs

  • Q&A on CMF/BCT circulars
  • Portfolio queries in natural language
  • BVMT API integration
  • Compliance assistant
  • Report writing assistance
  • Multilingual FR/AR/EN

💬 70% of requests handled by AI

Access Management (AIM)

SSO + RBAC + Chinese Walls

  • SSO via BH Bank Active Directory
  • Automated Chinese Walls (CMF)
  • MFA authentication
  • Automatic AD group sync
  • Full audit trail (5 years)
  • Certified order timestamping

🔒 100% traceability for CMF

10 Banking Use Cases

AI Use Cases for the Banking Sector

Benchmarked on global leaders JPMorgan, DBS Singapore, HSBC and adapted to the Tunisian context

01

Fraud Detection

Critical

Real-time ML scoring on mobile and banking transactions

92% frauds intercepted|-- TND/year
02

AI Chatbots & NLP

High

Bilingual French/Arabic conversational assistant for customer service

70% requests automated|-- TND/year
03

AI Credit Scoring

Mandatory

IFRS 9 models with alternative data for SMEs and individuals

+34% accuracy|-- TND/year
04

KYC/AML Automation

High

Instant digital onboarding with E-Houwiya and AML screening

60% faster|-- TND/year
05

Risk Management

High

ML models for stress testing and early default detection

40% early detection|-- TND/year
06

Document Processing (OCR)

High

Automatic classification and extraction of financial documents

360K hours saved|-- TND/year
07

Personalized Services

Medium

AI personalized recommendations and smart nudges

+12% customer retention|-- TND/year
08

RPA Automation

Medium

Back-office process automation and reconciliation

3.5× ROI in 18 months|-- TND/year
09

Predictive Analytics

Long term

Real-time market intelligence and AI advisory

Real-time intelligence|-- TND/year
10

AI Regulatory Compliance

High

Automatic parsing of BCT circulars and compliance engine

30% costs reduced|-- TND/year
--
Banking AI spending by 2030
3.5×
Average ROI in 18 months
92%
Global banks deploying AI
--
Estimated TND value over 3 years
Evident AI Index 2025

AI Benchmark: Global Leaders vs Tunisia

Tunisian banks score ~18/100 vs JPMorgan at 98/100. The gap is widening every quarter.

BankScore /100AI BudgetUse CasesAI TalentStageGovernance
🇺🇸JPMorgan Chase
98
--450+4,000+Agentic AIBoard AI Committee + CAO
🇸🇬DBS Singapore
87
--370+1,500+Agentic AIPURE Framework + Kill Switches
🇺🇸Capital One
85
--300+3,000+Advanced GenAIChief AI Officer + Ethics Board
🇬🇧HSBC
72
--600+800+GenAI ScaleAI Governance Committee
🇲🇦Attijariwafa
52
--50+200+GenAI Pilots@mbitions Digital Plan
🇹🇳Banques Tunisiennes
18
--<10<50Pilotes❌ Pas de gouvernance IA

Source: Evident AI Index 2025 | DBS Annual Report 2024 | JPMorgan 2025 AI Strategy | Artificial Insight

How it works

Intelligent Classification in 6 Seconds

Our AI automatically classifies your documents among 28 types with over 95% accuracy

  1. 1Scan or upload the document
  2. 2The AI detects the type (CIN, order, trade notice...)
  3. 3The fields are automatically extracted
  4. 4Validation and indexing in the database
📄 ordre_achat_sfbt.pdf
Purchase Order97%
Validated and indexed in 3.2s
Markovate 4-Phase Model

Implementation Roadmap 2025–2028

Adapted to the Tunisian banking context and BCT requirements

PHASE 0
Now Q3 2025

Regulatory Compliance

  • ✓AI credit models IFRS 9 BCT Circular 2025-08
  • ✓E-Houwiya integration for automated KYC
  • ✓Chief AI Risk Officer + AI Ethics Committee
  • ✓Full AI/model inventory
  • ✓CBS readiness assessment
PHASE 1
Q4 2025 Q2 2026

Framework & Pilots

  • ✓Enter BCT Sandbox with 2–3 AI pilots
  • ✓Deploy ML fraud detection model (mobile)
  • ✓Unified data platform
  • ✓Arabic/French NLP chatbot pilot
  • ✓Partnership with ESPRIT & InstaDeep for AI talent
PHASE 2
H2 2026 2027

Deployment & Governance

  • ✓Deploy proven models across all departments
  • ✓PAPSS compliance engine for pan-African mandate
  • ✓AI credit scoring for unbanked SMEs
  • ✓Scaled bilingual AI customer service
  • ✓Quarterly bias audits + model validation
PHASE 3
2028+

Competition & Leadership

  • ✓Full agentic AI credit pipeline (DBS model)
  • ✓National AI model validation center (BCT consortium)
  • ✓Target Evident AI Index 55+/100
  • ✓Quarterly benchmark vs Attijariwafa
  • ✓Expansion to pan-African AI operations
Financial Model

AI Return on Investment

Banks deploying AI see an average ROI of 3.5× in 18 months

3.5×
ROI in 18 months
Process AI
120%
Projected ROI
Commerzbank Model
--
TND value 3 years
Mid-size Tunisian bank
AI Use CaseInvestmentAnnual ValueTime to ROISource
AI Credit Models IFRS 9
0.8–1.2M TND15–25M TND6–12 moisBCT + LeewayHertz
AI Mobile Fraud Detection
1–2M TND10–18M TND8–14 moisCoinLaw 2025
KYC/AML Automation
0.5–1M TND8–12M TND6–10 moisLeewayHertz
Bilingual AI Chatbot
0.8–1.5M TND5–10M TND12–18 moisMarkovate
RPA Automation
0.5–1M TND8–15M TND8–12 moisMarkovate 3.5× ROI
PAPSS Compliance Engine
1–2M TND10–20M TND12–24 moisBCT / Artificial Insight

Banking Security, Full Compliance

Designed for CMF and BCT requirements

100% On-Premise

All data remains inside BH Bank data center

AES-256 Encryption

Data encrypted at rest and in transit (TLS 1.3)

Chinese Walls

Strict separation of Front/Middle/Back Office

CMF Audit Trail

Every action logged and stored for 5 years

Mandatory MFA

Multi-factor authentication for all sensitive access

Data Sovereignty

No data leaves Tunisian territory

Investment

Three options tailored to your needs and budget

Essentials

-- TND

-- TND

⏱ PLAN_E_DURATION

  • OCR + Classification (10 types)
  • Basic knowledge base
  • SSO AD + basic RBAC
  • No chatbot
  • No SQL-to-Text
  • No advanced Chinese Walls
⭐ Recommended

Professional

-- TND

-- TND

⏱ 7-9 months

  • OCR + Classification (28 types)
  • Full knowledge base
  • SSO AD + Chinese Walls
  • AI chatbot + document Q&A
  • SQL-to-Text portfolios
  • BVMT API integration
  • MFA + full audit
  • 2 trainings

Custom

Sur devis

⏱ Depending on scope

  • Full Professional package
  • BH Bank infrastructure synergy
  • Advanced customization
  • Premium SLA
  • Dedicated support

Ready to Transform BH INVEST?

Start with a free 10-day Proof of Concept on your own documents

Executive Briefing (2h)
Technical Workshop (½ day)
POC 10 Days
Go/No-Go Decision

EVERYTHING IS FREE. NO COMMITMENT.

📧 contact@bhinvest.tn | 📞 +216 71 XXX XXX