The Evolution of AI and Digitalization in Public Guarantee Management - RINA Prime Value Services

The Evolution of AI and Digitalization in Public Guarantee Management

02 Apr 2025

RINA Prime’s platform automates processes, reduces risk, and streamlines regulatory compliance for banks and financial intermediaries

AI evolutionMarket challenges and the role of digital transformation 

The public guarantees and financial incentives market is facing increasing pressure due to the growing complexity of processes and the constant evolution of regulatory frameworks. To meet these challenges, companies and financial intermediaries are turning to advanced technological solutions that can simplify operations, reduce operational risk, and boost efficiency. 

To address these needs, RINA Prime has developed Prime Safe Value, a digital platform designed to automate and simplify the management of public guarantees, improving efficiency and minimizing risks. The solution supports full regulatory compliance while streamlining workflows for banks and financial intermediaries. 

AI meets expertise: the Prime Safe Value platform 

Prime Safe Value combines artificial intelligence with deep domain expertise to deliver a fully automated and secure system for public guarantee management. Optical Character Recognition (OCR) technology enables automatic data extraction, simplifying both onboarding and offboarding procedures. This approach enhances the handling of high volumes of cases, reduces human error, and ensures consistent process efficiency 

A fully automated and regulation-ready workflow 

The platform’s digital pre-assessment begins with the input of basic data—such as VAT number or tax code—along with details about the proposed financial transaction. Through API integration, Prime Safe Value can simulate rating categories, verify available ceilings, and provide a preliminary eligibility analysis. 

The system automatically checks for existing state aid, ensuring compliance with “single enterprise” rules by querying the National Register of State Aid (RNA). By integrating data from business registries, it also verifies company size in accordance with EU Recommendation 2003/361/EC and Italy’s Ministerial Decree of April 18, 2005, guaranteeing compliance with current legislation. 

The platform manages all phases of the process—from initial assessment to potential guarantee enforcement—within a fully automated and compliant workflow. 

Digital efficiency for a complex market 

RINA Prime’s digital-first approach through Prime Safe Value provides a clear response to the complexity of today’s market, enhancing efficiency, security, and regulatory adherence in public guarantee management. 

Thanks to the integration of AI and sector-specific expertise, the platform empowers banks and financial intermediaries to navigate regulatory and operational challenges with greater speed and confidence, while reducing risks and optimizing process flows. 

Additionally, with its ability to handle large volumes of documentation in a fully automated manner, Prime Safe Value helps clients save time and resources, improving market competitiveness. Fewer errors and better processes result in enhanced service quality, increased customer satisfaction, and faster, more compliant fund management.