The 14 May 2025 Supervision Newsletter article 'Benefits from advanced technology infrastructure in supervision' catalogues the ECB's suptech stack: Heimdall (machine reading for fit-and-proper files, cutting processing from 109 days in 2023 to 97 in 2024), Athena (NLP, translation and generative-AI text review across supervisory documents), Agora (unified prudential data lake), Delphi (news-based market monitoring), Navi (network analytics) and more than 100 robotic process automations running up to 15 times faster than manual work. Project Olympus aims to integrate these into a single supervisory cockpit with AI-enhanced search.
| Document | Supervision Newsletter: suptech infrastructure (May 2025) — Benefits from advanced technology infrastructure in supervision (Supervision Newsletter, May 2025) |
| Issued by | European Central Bank — Banking Supervision (SSM) |
| Type | Report |
| Status | Final |
| Published | May 14, 2025 |
| Applies to | Describes the ECB's own supervisory technology; informs banks how their submissions are read and analysed. |
| Official source | bankingsupervision.europa.eu ↗ |
| Use cases | AI governance (general) · Generative & agentic AI |
What are the key points of Supervision Newsletter: suptech infrastructure (May 2025)?
- Heimdall: machine reading of fit-and-proper questionnaires; average processing fell from 109 days (2023) to 97 days (2024)
- Athena: natural-language processing, translation and generative-AI-assisted review of supervisory documents with visible sources
- Agora: consolidated prudential data infrastructure across the ECB and national competent authorities
- Delphi: news-based market-behaviour monitoring, with social-media alerts planned; Navi: graph analytics for ownership structures and NBFI exposures
- Over 100 RPAs deployed, completing tasks up to 15 times faster than manual processing
- IMAS Portal (2020), CASPER (2022) and STAR (2017) handle bank submissions, ad hoc data collections and stress-test data
- Project Olympus: single supervisory cockpit and AI-enhanced search across European banking supervision
What did Supervision Newsletter: suptech infrastructure (May 2025) change for banks?
Banks now know that their filings — fit-and-proper questionnaires, ad hoc data, narrative reports — are machine-read and cross-checked by AI before a supervisor sees them, which raises the bar for consistency across submissions and across languages.
What AI tools does the ECB use in banking supervision?
Athena (gen-AI document analysis), Heimdall (fit-and-proper machine reading), Agora (data lake), Delphi (market monitoring), Navi (network analytics), Medusa (findings repository) and over 100 RPAs, per the May 2025 Supervision Newsletter and October 2025 Machado speech.
| Date | Document | Status |
|---|---|---|
| Jul 7, 2026 | ECB 'Dear CEO' letter on AI-enabled cybersecurity threats (SSM-2026-0301) — Addressing AI-enabled cybersecurity threats — letter from the Chair of the Supervisory Board to CEOs of significant institutions | In force |
| Jun 3, 2026 | Elderson speech: 'Strengthening operational resilience for the age of AI' (June 2026) — Strengthening operational resilience for the age of AI — speech by Frank Elderson | Final |
| Feb 24, 2026 | Machado speech: 'Technology is neutral, governance is not' (Feb 2026) — Technology is neutral, governance is not: AI adoption in the banking sector — speech by Pedro Machado | Final |
| Feb 3, 2026 | Montagner speech: 'Encouraging innovation, managing risks' (Feb 2026) — Encouraging innovation, managing risks: the ECB's approach to digital transformation — speech by Patrick Montagner | Final |
| Nov 20, 2025 | Supervision Newsletter: AI use cases for credit scoring and fraud detection (Nov 2025) — AI's impact on banking: use cases for credit scoring and fraud detection (Supervision Newsletter, November 2025) | Final |
| Nov 18, 2025 | SSM supervisory priorities 2026–28 — ECB Banking Supervision: SSM supervisory priorities for 2026–28 | In force |
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