B2B fintech firm Webcash is moving to secure solutions for the era of AI agent banking, which has emerged as a key pillar of next-generation financial competition.

Webcash held the "Webcash Financial AI Agent Conference 2026" in Seoul's Yeouido on Wednesday and unveiled its technology architecture and application cases centered on its intelligent RDB connect product, OPERIA.

OPERIA is an engine that links general-purpose AI and financial-sector relational databases. It converts users' natural-language requests into SQL, then extracts, interprets and reasons over data to fit actual bank core banking and information systems. Webcash said it applied the engine to its cash management solution and secured an answer accuracy rate of about 99 percent in in-house tests.

OPERIA was designed based on three principles: maintaining existing RDB structures, supporting real-time transactions and applying the system without data migration. It aims to enable AI adoption without undermining the security, accuracy and operational stability required by the financial sector. It converts natural language into work commands to connect directly to core banking systems and records the entire process in audit logs to support regulatory compliance.

Based on this, Webcash is rolling out AI agent services in three areas: cash management (CMS), AI banking and management information analysis. The cash management agent automates corporate cash inquiries, analysis and execution. The AI banking agent handles inquiries, transfers and analysis through conversation without menu navigation. The management information agent helps business departments query and analyze data without IT support.

At a briefing, Webcash unveiled "Cash Management Agent V2" along with major service application cases. It supports companies in identifying and using cash flows in real time based on their data structures and work environments. V1 was introduced in December 2025 through NH NongHyup Bank's "AI Hana-ro" service and was piloted with about 100 customers, while V2 expanded the scope of application to about 800 customers.

Beyond cash management, Webcash applied OPERIA-based AI agents to major solutions including BranchQ, rERP Q and Gyeongninara. It plans to expand to a range of customer groups, including small and medium-sized firms, public institutions, research institutes and local governments. It is considering switching its CMS products entirely to an agent-based structure within the first half and also reviewing a plan to provide basic functions free of charge to corporate customers.

As a future service direction, it presented "prompt-based customized financial services". Under the structure, customers request the work they want in natural language and receive tailored cash management functions, with report generation and distribution simplified to a minimum number of steps. Webcash said it can provide personalized services by linking up to about 1,500 products for each bank.

Webcash sees "agent banking", which integrates AI agents into internet banking, as a key area of competition going forward. Yoon Wan-soo (윤완수), vice chairman, said, "Banks have only just begun the work of installing agent banking into personal and corporate internet banking," and added, "Next year, full-scale competition will unfold." He said competition is likely to be replayed as it was during the spread of simple remittances and simple payments 10 years ago.

Webcash plans to strengthen its push into the market for task-oriented AI agents that can be applied directly to practical work, going beyond simple Q&A chatbots, based on a stable RDB-based data connection structure.

Yoon said, "OPERIA is a core technology that stably connects AI and financial data so it can be applied to real work," and added, "We will expand cooperation with the financial sector and continue widening the market for task-oriented AI agents that can be applied directly to practical work."