First-generation South Korean fintech firm Webcash said it will move beyond basic cash-management software and reposition itself as a specialist in “financial AI agents” that can carry out banking tasks directly.
Webcash on April 23 held the “Financial AI Agent Conference 2026” at FKI Tower in Seoul’s Yeouido district and outlined a commercialization strategy centered on its core technology, OPERIA.
OPERIA is an “intelligent connector” that links general-purpose AI with financial institutions’ relational databases. It converts natural-language requests into standard query language, or SQL, then extracts data and executes tasks within banks’ information and core account systems, the company said. Webcash said the technology can be deployed while keeping existing systems in place, avoiding data migration and helping maintain security and stability. It also said internal tests showed about 99% accuracy.
Based on OPERIA, Webcash said it will pursue three agent businesses: cash management, AI banking and management information. It plans to convert major products to an agent-based model in the first half of the year and apply natural-language AI to internet banking to enable “agent banking” that performs tasks such as inquiries, transfers and filings.
At the event, Webcash introduced “Cash Management Agent V2” and disclosed use cases for key services including BranchQ. It said it is expanding deployments centered on NH NongHyup Bank and strengthening functions that analyze and forecast corporate cash flows. Webcash said it is conducting an agent-banking proof of concept with NH NongHyup Bank and running a management-information agent pilot with Gwangju Bank, expanding cooperation across the financial sector.
Kang Nam-hoon, a vice representative director, said BranchQ has been upgraded to interpret the context of user questions and convert them to fit database structures, and that accuracy has been raised to about 99% by expanding validation data. He said the company has also adopted “context engineering,” moving away from coding-centered development to a prompt-based approach that reflects customer needs and allows faster creation and deployment of customized agents for each company.
Vice Chairman Yoon said internet and mobile banking have led customers to handle tasks themselves, but the next shift will be to AI agents carrying out work based on natural-language instructions. “Adopting AI agents is not a choice but an inevitable trend,” he said.
* This article has been translated by AI.
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