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Banks run on procedures. We build the AI agents that follow them.

ISTINA AI is a Dubai (DIFC) company, founded in 2025, that builds AI agents for banking operations.

How ISTINA AI started

  1. Before 2025

    The same problem everywhere we worked

    At the banks, consultancies and technology firms where we worked, operations teams coordinated cases by hand. The rules sat in Word files, wikis and PDFs.

  2. 2025

    We built Apollo in Dubai

    We founded ISTINA AI in the DIFC and built Apollo, AI agents that handle banking requests by the bank's own procedures.

  3. 2026

    Atlas puts the procedure first

    Running cases showed us that the procedure decides the result. Atlas drafts process documentation from a bank's policies and regulation, and a person approves each version.

Where our founders worked before

Our founders

  • Portrait of Mohamed Berhanu

    Mohamed Berhanu

    CEO and co-founder

    LinkedIn

    Mohamed leads the company and its strategy. Before ISTINA AI, he worked in strategy and transformation at N26, UniCredit, PostFinance and Siemens Financial Services.

  • Portrait of Sebastian Karb

    Sebastian Karb

    CPO and co-founder

    LinkedIn

    Sebastian leads product. Before ISTINA AI, he worked at N26 and PwC and led AI and digital programmes for large enterprises as a senior consultant and project lead.

  • Portrait of Max Pfeiffer

    Max Pfeiffer

    CTO and co-founder

    LinkedIn

    Max leads engineering and designs ISTINA AI's conversational and multi-agent systems. Before ISTINA AI, he worked at IBM, PwC and zeb.

Where is ISTINA AI based?

ISTINA AI is headquartered in the Dubai International Financial Centre (DIFC), the financial free zone in Dubai. It works with banks and other financial institutions in the GCC and Europe. ISTINA AI is ISO 27001 certified. SOC 2 Type II is in progress.

Founded
2025
Headquarters
DIFC, Dubai
Address
The Gate, East Wing, Level 4, DIFC, Dubai
Serving
Banks and other financial institutions in the GCC and Europe
Certifications
ISO/IEC 27001:2022 certified. SOC 2 Type II audit in progress.
See our controls and subprocessors in the Trust Center

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