Karbon

Take the complexity out of institutional onboarding. Revolutionise your client and investor lifecycle management through an AI-accelerated platform, built on 25 years of trust and CLM expertise.

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Trusted by leading financial institutions

Accelerate onboarding and revenue

Streamline approvals and standardise workflows to cut onboarding cycles from months to weeks, so clients can start using your services sooner.

Strengthen compliance with confidence

Enforce consistent AML/KYC standards with out‑of‑the‑box policies, automated risk scoring, integrated screening, and full audit trails for regulatory traceability.

Optimise operations and lower costs

Eliminate manual work, duplication, and rework with expert-designed workflows and built-in checklists – freeing up teams, cutting operational spend, and fuelling scalable growth. 

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Why Choose Karbon?

Karbon is an AI-powered client lifecycle management platform purpose-built for financial institutions. One platform brings together AI, workflows, rules, data, and outreach. Each one is built to work with your people, not around them. The result: faster onboarding, stronger compliance, and more efficient operations.

  • AI Built for CLM: Apply trusted AI across onboarding, reviews, and ongoing lifecycle management.
  • One customer view: Bring customer data, documents, relationships, and lifecycle activity together in a single platform.
  • Stay in control: Configure policies, workflows, and governance to match your operating model.
  • Enhance client experience: Deliver secure, transparent onboarding journeys that reduce friction and delays.
  • Deploy faster, scale with confidence: Pre-configured capabilities accelerate time to value, and expand across jurisdictions, products and customer types without rebuilding workflows.
  • Enterprise-grade governance: Maintain auditability, oversight and regulatory confidence across every process.

Karbon AI

Put AI to Work Across CLM

Karbon AI (K.AI) is a suite of native agents built into the platform. K.AI reads CLM documents, confirms client names, applies relationship updates, identifies discrepancies, and more. Every AI output is a suggestion, never a silent update. Each one is evidenced and traceable. You can demonstrate exactly what was decided, when, and why, whenever a regulator asks. You stay in control, always.

  • Get instant policy and process guidance in any language.
  • Automate data extraction from CLM documents.
  • Keep client data consistent across related relationships.
  • Verify information and identify discrepancies with confidence.
  • Produce evidence on demand, so every decision can be defended to a regulator, not just logged.
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Data & Document Management

Capture Data Once. Reuse It Everywhere.

Karbon unifies your CLM data into a single view, integrating effortlessly with internal systems and external sources. Document libraries store files once and make them reusable everywhere, while OCR surfaces key data automatically. Integrated checklists manage every inbound and outbound document, so nothing is missed, and nothing is chased twice.

  • One single data view: every record you've collected on a customer or investor.
  • Reuse documents, don't re-request them, through a shared document library.
  • AI finds and fixes data gaps, automatically, before they become a problem.
  • Documents read themselves: OCR pulls key data straight off the page.
  • One checklist tracks every document in and out: nothing missed, nothing chased twice.

End-To-End CLM Orchestration

Orchestrate every customer lifecycle event with ease

Karbon acts as the operational backbone for customer lifecycle management, bringing together people, processes, data and approvals in a single operating environment. It helps financial institutions coordinate onboarding, reviews, remediation and lifecycle events with greater consistency, visibility and control.

Karbon orchestrates entity management, UBO resolution, screening, risk scoring, document validation and approvals through a single governed workflow. Role-based checklists keep teams aligned and work moving forward, ensuring onboarding, refreshes and offboarding remain on track.

  • Track tasks, documents, and approvals in real-time.
  • Keep onboarding moving with guided, role-based checklists.
  • Screen clients and related parties with built-in escalation paths.
  • Request data and documents directly from clients through integrated client outreach.
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Configurable Rules Engine

Put Policy, Risk, and Workflow Control in Your Hands

Karbon's configurable rules engine puts you in control of policies, procedures, risk models, operating models, permissions, and AI oversight. Whether you're entering a new jurisdiction, launching a product, or responding to regulatory change, you update the rules, not the platform. Define logic once, reuse it everywhere, and decide when to automate and when to rely on human judgement.

  • Configure policies, procedures, and version-controlled governance rules.
  • Build and maintain risk models without vendor intervention.
  • Adapt workflows and operating models as your business evolves.
  • Control access with granular permissions and confidentiality settings.
  • Decide what AI automates and what remains subject to human review.

Client Outreach

Transform customer engagement

Give clients one secure, branded portal and watch the email chains disappear. Karbon Outreach replaces scattered threads with guided tasks and real-time updates, so nothing gets lost in an analyst's inbox. Clients move through a clear, frictionless journey while automated workflows and live visibility keep everyone aligned, accelerating onboarding through to completion.

  • One secure portal: tasks, documents, and responses, all in one place.
  • Your clients always know what's needed next, cutting confusion and unnecessary chasing.
  • Outreach is triggered straight from Karbon's document checklist, so requests and status stay in sync automatically.
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Pricing & Deployment

Deploy faster, scale with confidence

Predictable commercials and a fast route to value. Karbon is priced on volume, implemented by CLM specialists, and supported by a global professional services team.

  • Volume-based pricing with unlimited users: No per-seat fees, no licensing surprises.
  • Implementation led by our in-house CLM experts: Not third-party contractors.
  • Global professional services: Configuration, integration, and change support across regions.
  • Flexible hosting: SAAS, private cloud, or on-premises options.

Awards and Credentials

Chartis KYC Solutions 2026

Delta Capita’s Karbon platform recognised as Category Leader in RiskTech Quadrant™ for KYC Solutions in 2026

Chartis CLM Solutions 2026

Delta Capita’s Karbon platform recognised as Category Leader in RiskTech Quadrant™ for CLM Solutions in Corporate and Investment Banking 2026

RegTech Insight Awards Europe 2026

Delta Capita's Karbon platform won Best Client On-Boarding Solution at the 2026 RegTech Insight Europe Awards

A-Team Innovation Awards 2026

Delta Capita won Most Innovative Client Onboarding and Lifecycle Management Solution at the 2026 A‑Team Innovation Awards.

SOC 2 Certified

SOC 2 Type II certified demonstrating our commitment to data security

EcoVadis Silver Status

Delta Capita has achieved Silver status from EcoVadis, placing us in the top 15% of companies for sustainability performance.

Chartis CLM Solutions 2025

Delta Capita’s Karbon platform recognised as Category Leader in RiskTech Quadrant™ for CLM Solutions in Wealth Management 2025

Chartis KYC Solutions 2025

Delta Capita’s Karbon platform recognised as Category Leader in RiskTech Quadrant™ for KYC solutions 2025

Customer Case Studies

Real-world case studies showing how financial institutions use Karbon's CLM platform to speed up client and investor onboarding, strengthen KYC and AML compliance, and reduce operational cost.

Transforming CLM With a Single, Unified Platform

Newly Regulated US-Based Bank

Challenge:The bank, specialising in global banknote distribution, was held back by a costly legacy platform that fragmented entity data and slowed onboarding.

What we did: Karbon replaced that complexity with a single platform for CLM including onboarding, KYC, and entity data management. This is delivering cleaner data, stronger compliance, faster onboarding, and a scalable foundation for growth.

Outcome:The client went live on the platform within six weeks, with fewer handoffs and less rework. Compliance became streamlined and audit-ready, with a complete audit trail behind every decision. The platform now scales across products and jurisdictions without added complexity.

6 weeks

to go-live and smoother CLM

Simplifying CLM at Scale Across Three Jurisdictions

Global Financial Technology Provider:

Challenge: The client needed to manage over 5,000 entities across the US, UK, and Australia. The population spans regulated FIs, government entities, funds, and non-financial businesses, each with its own requirements.

What we did: Karbon gave the team a single, intuitive platform to process cases across all of its entities. Its streamlined user experience cuts the number of clicks per case, and policy validation built into Karbon catches errors before they reach QA, so cases are right first time.

Outcome: The team now processes over 240 cases per quarter with a 100% QA pass rate from the client’s perspective. Entity and related party data stays consistent across all three jurisdictions.

100%

QA pass rate

Frequently Asked Questions

Answers to common questions about Karbon, our AI-accelerated CLM platform.

  • Karbon is Delta Capita's client lifecycle management (CLM) platform for banks, fund administrators, and other financial institutions. It unifies entity management, KYC and AML screening, risk scoring, document validation, approvals, and client outreach in one governed workflow, across onboarding, periodic refresh, and offboarding. It is built on 25 years of CLM experience.

  • Karbon standardises workflows, approvals, and role-based checklists to cut onboarding cycles. Compliance is built-in rather than traded off. The platform includes out-of-the-box CLM/AML/KYC rules, automated risk scoring, integrated screening, and full audit trails, so every decision is traceable for regulators.

  • K.AI is a suite of AI agents built into Karbon. They read CLM documents, extract data, confirm client names, flag discrepancies and apply relationship updates. Every AI output is a suggestion, never a silent update, and every output is evidenced and traceable. You decide what AI automates and what stays under human review, and you can show a regulator what was decided, when, and why.

  • Karbon uses transparent, volume-based pricing with unlimited users included, so adding teams doesn't add cost. Implementation is delivered by Delta Capita's in-house CLM specialists, who already understand both CLM and Karbon. That means less time spent getting implementation teams up to speed, helping you go live faster. And because we understand how CLM works in practice, we configure Karbon around your operating model, helping you optimise your CLM business rather than forcing it to fit the technology.

  • Karbon's configurable rules engine lets you define your own policies, procedures, risk models, permissions, and operating models, then update them as regulations, jurisdictions or products change, without waiting on the vendor. Logic is defined once and reused everywhere, and you decide when to automate and when to rely on human judgement. It integrates with your internal systems and external data sources to give a single view of customer data. A shared document library lets you reuse documents rather than re-request them from clients.

Onboard clients faster. Stay compliant.

Talk to a CLM Expert about advisory, managed services or Karbon, and find the fastest route to better onboarding and stronger controls.

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