Planto, a financial technology company specialising in AI-driven banking solutions, has unveiled a white-label Agentic AI CFO for small and medium enterprises at Money20/20 Middle East, giving banks a new tool to serve SME customers who are often underserved by traditional financing.
The launch matters for Dubai and the wider Gulf because it offers banks operating in Saudi Arabia and across the Middle East a ready-made way to plug advanced financial automation into their existing digital channels, without building the technology themselves.
What the Agentic AI CFO does
Planto's platform embeds autonomous financial agents directly into banks' digital channels. Rather than presenting SME clients with another dashboard, the system automates financial workflows and surfaces actionable intelligence, aiming to shift banks from passive account providers into active partners in a business's financial management.
The solution is white-label, meaning banks in Hong Kong, Saudi Arabia and across the Middle East can offer it under their own branding. It integrates with core banking systems while adhering to regulatory and data privacy frameworks in both Hong Kong and the GCC, a requirement for any bank looking to deploy it across these markets.
Recognition at MoneySurge 2026
Alongside the product unveiling, Planto was named the MoneySurge 2026 'Fintech to Watch' after competing against more than 300 fintechs from around the world, a recognition that puts the company on the radar of regional banks weighing partnerships in SME finance.
Closing a $200bn gap
Jessica Liu, Co-founder and CEO of Planto, pointed to the scale of the problem the technology is meant to address. According to Liu, the SME financing gap exceeds USD200bn.
"Banks don't need another dashboard with a cash flow chart—they need intelligent agents that actively manage financial workflows for their SME clients," Liu said. "Winning MoneySurge confirms that financial institutions in both Asia and the Middle East are eager to deliver real operational value to SMEs, turning routine banking relationships into scalable revenue drivers and closing the over USD200bn gap in financing."
For SMEs in the UAE and Saudi Arabia, many of which cite access to financing and cash flow visibility as persistent hurdles, the arrival of white-label agentic AI tools inside their existing bank apps could mark a shift in how routine banking relationships translate into financial support. For banks, the pitch from Planto is that automated, intelligent workflows can turn what has traditionally been a low-engagement segment into a source of scalable revenue.
Reported by Fintech News UAE.
