Artificial Intelligence Lab

Founded in 2018 in collaboration with prestigious scientific partners, Intesa Sanpaolo Innovation Center's AI Lab aims to promote an open innovation model in applied research. The main goal of the lab is to develop and industrialize new technological assets, including advanced algorithms and mathematical models, to actively support business. These efforts not only strengthen the center's intellectual property but also contribute to the production of numerous scientific publications that attest to the level of novelty and impact of the work being done.
The AI Lab is committed to knowledge sharing, disseminating the results of its research not only among colleagues but also to a wider audience through popular seminars, thus emphasizing its commitment to scientific dissemination and interdisciplinary collaboration.

Main Areas

Finance, Insurance & Wealth Management

We develop solutions to support in risk management and optimize financial strategies, minimizing the impact of market variations and simplifying complex processes

Anti Financial Crime & Fraud Detection

We support the fight against financial crime, facilitating the establishment of the AntiFinancialCrime Digital Hub, a consortium company that uses AI to counter AML, terrorism, financial sanctions and corruption

Climate & Biodiversity

We assess indirect climate risks in areas prone to extreme events, estimating the impact on property value also to support risk management related to retail mortgage portfolios

Health & Safety and Wellbeing

Since March 2020, we have been supporting Sacco Hospital in genomic sequencing and analysis of SARS-CoV-2, studying origin and spread in Italy with informatics, statistics and data science expertise

Activities of the Artificial Intelligence Lab

Artificial intelligence (AI) is the technological core of the AI Lab at Intesa Sanpaolo Innovation Center. It is used to develop systems capable of simulating typically human tasks, such as visual recognition, natural language understanding, complex problem solving, decision making and autonomous learning. These capabilities enable AI to act as a powerful support tool in the areas of productivity, creativity and decision-making capabilities, transforming the way business activities can be conducted and optimized. The AI Lab leverages these technologies to innovate and improve processes, leveraging artificial intelligence to address and solve operational and strategic challenges in ways that were previously unimaginable.

Collaborative model and PNRR

The model adopted by Intesa Sanpaolo Innovation Center's AI Lab is based on close collaboration among various actors, an approach also strongly emphasized in the National Plan for Recovery and Resilience (PNRR). This strategy promotes innovation as a result of a constant exchange of ideas and resources between the public and private sectors. Thanks to this collaborative model, significant projects such as the Anti Financial Crime Digital Hub have been launched, with the involvement of institutional and academic partners such as Intesa Sanpaolo, Intesa Sanpaolo Innovation Center, Politecnico di Torino (PoliTO), University of Turin (UniTO) and CENTAI. This synergy between different entities facilitates the creation of innovative solutions, which are essential for tackling complex challenges.

Artificial Inteligence Lab Scientific Publications

Retrieval Augmented Generation of Summarized Answers on Visually-Rich Documents for Trend and Risk Analysis

Giuseppe Gallipoli, Luca Cagliero, Alessandro Mosca, Arianna Miola, Daniele Borghi

EDBT/ICDT 2025 – Workshop DARLI-AP (2025)

Genomic epidemiology of the main sars-cov-2 variants circulating in Italy during the Omicron era

Annalisa Bergna , Alessia Lai, Fabio Sagradi , Stefano Menzo, Nicasio Mancini, Bianca Bruzzone, Stefano Rusconi, Greta Marchegiani, Nicola Clementi, Daniela Francisci, Ilaria Vicenti, Silvia Ronchiadin et al.

Journal of Medical Virology (2025)

Explainability, Quantified: Benchmarking XAI techniques

A. Miola, Alan Perotti, Claudio Borile, Francesco Paolo Nerini, Paolo Baracco, and André Panisson

XAI Conf (Jul 2024)

Keyword-based Annotation of Visually-Rich Document Contentfor Trend and Risk Analysis using Large Language Models

A. Miola, D. Borghi, G. Gallipoli, S. Papicchio, L. Vaiani1, L. Cagliero

Workshop FinNLP-KDF, all'interno di LREC-COLING (May 2024)

Genomic epidemiology of the main SARS-CoV-2 variants in Italy between summer 2020 and winter 2021

Annalisa Bergna, Alessia Lai, Carla Della Ventura, Bianca Bruzzone, Alessandro Weisz, Morena d'Avenia, Sophie Testa, Carlo Torti, Caterina Sagnelli, Angela Menchise, Gaetano Brindicci, Daniela Francisci, Ilaria Vicenti, Nicola Clementi, Annapaola Callegaro, Emmanuele Venanzi Rullo, Sara Caucci, Vanessa De Pace, Andrea Orsi, Stefano Brusa, Francesca Greco, Vittoria Letizia, Emilia Vaccaro, Gianluigi Franci, Francesca Rizzo, Fabio Sagradi, Leonardo Lanfranchi, Nicola Coppola, Annalisa Saracino, Michela Sampaolo, Massimo Galli, Agostino Riva, Gianguglielmo Zehender, Silvia Ronchiadin

Journal of Medical Virology (2023)

Retrieval Augmented Generation of Summarized Answers on Visually-Rich Documents for Trend and Risk Analysis

Giuseppe Gallipoli, Luca Cagliero, Alessandro Mosca, Arianna Miola, Daniele Borghi

EDBT/ICDT 2025 – Workshop DARLI-AP (2025)

Genomic epidemiology of the main sars-cov-2 variants circulating in Italy during the Omicron era

Journal of Medical Virology (2025)

Explainability, Quantified: Benchmarking XAI techniques

A. Miola, Alan Perotti, Claudio Borile, Francesco Paolo Nerini, Paolo Baracco, and André Panisson

XAI Conf (Jul 2024)

Keyword-based Annotation of Visually-Rich Document Contentfor Trend and Risk Analysis using Large Language Models

A. Miola, D. Borghi, G. Gallipoli, S. Papicchio, L. Vaiani1, L. Cagliero

Workshop FinNLP-KDF, all'interno di LREC-COLING (May 2024)

Genomic epidemiology of the main SARS-CoV-2 variants in Italy between summer 2020 and winter 2021

Legal Entity Disambiguation for Financial Crime Detection

Jacopo Fior, Thomas Favale, Luca Cagliero, Danilo Giordano, Marco Mellia, Elena Baralis, Silvia Ronchiadin, Paolo Baracco, Dario Moncalvo

IEEE Big Data 2022 (2022)

Ontologies and Open Data for Enriching Personalized Social Moments in Human Robot Interaction

Cristina Gena, Rossana Damiano, Claudio Mattutino, Alessandro Mazzei, Stefania Brighenti, Matteo Nazzario, Andrea Meirone, Camilla Quarato, Elisabetta Miraglio, Giulia Ricciardiello, Francesco Petriglia, Federica Liscio, Giuseppe Piccinni, Loredana Mazzotta, Cesare Pecone, Valeria Ricci;

UMAP ‘22 (2022)

Sugar, Salt & Pepper-Humanoid robotics for autism

Phylogeography and genomic epidemiology of SARS-CoV-2 in Italy and Europe with newly characterized Italian genomes between February-June 2020

Alessia Lai, Annalisa Bergna, Stefano Toppo, Marina Morganti, Stefano Menzo, Valeria Ghisetti, Arianna Miola e altri.

Nature Scientific Reports (2022)

Predicting corporate credit risk: Network contagion via trade credit

Claudia Berloco, Gianmarco De Francisci Morales, Daniele Frassineti, Greta Greco, Hashani Kumarasinghe, Marco Lamieri, Emanuele Massaro, Arianna Miola, Shuyi Yang

Plos One (2021)

Smurf-based Anti-Money Laundering in Time-Evolving Transaction Networks

Michele Starnini, Charalampos E. Tsourakakis, Maryam Zamanipour, André Panisson, Walter Allasia, Marco Fornasiero, Laura Li Puma, Valeria Ricci, Silvia Ronchiadin, Angela Ugrinoska, Marco Varetto, Dario Moncalvo

ECML PKDD - European Conference on Machine Learning and Principles and Practice of Knowledge Discovery in Databases (2021)

Continuous-Action Reinforcement Learning for Portfolio Allocation of a Life Insurance Company

Carlo Abrate, Alessio Angius, Gianmarco De Francisci Morales, Stefano Cozzini, Francesca Iadanza, Laura Li Puma, Simone Pavanelli, Alan Perotti, Stefano Pignataro, Silvia Ronchiadin

ECML PKDD - European Conference on Machine Learning and Principles and Practice of Knowledge Discovery in Databases (2021)

Constraining deep representations with a noise module for fair classification

Mattia Cerrato, Roberto Esposito, Laura Li Puma

SAC - Symposium on Applied Computing (2020)

Molecular Tracing of SARS-CoV-2 in Italy in the First Three Months of the Epidemic

Alessia Lai, Annalisa Bergna, Sara Caucci, Nicola Clementi, Ilaria Vicenti, Filippo Dragoni, Anna Maria Cattelan, Stefano Menzo, Angelo Pan, Annapaola Callegaro Adriano Tagliabracci, Arnaldo Carus, Francesca Caccuri, Silvia Ronchiadin, Claudia Balotta, Maurizio Zazzi, Emanuela Vaccher, Massimo Clementi, Massimo Galli, Gianguglielmo Zehender

Viruses (2020)

Structural inequalities emerging from a large wire transfers network

Alfonso Semeraro, Marcella Tambuscio, Silvia Ronchiadin, Laura Li Puma, Giancarlo Ruffo

Applied Network Science (2020)

Legal Entity Disambiguation for Financial Crime Detection

Jacopo Fior, Thomas Favale, Luca Cagliero, Danilo Giordano, Marco Mellia, Elena Baralis, Silvia Ronchiadin, Paolo Baracco, Dario Moncalvo

IEEE Big Data 2022 (2022)

Ontologies and Open Data for Enriching Personalized Social Moments in Human Robot Interaction

Sugar, Salt & Pepper-Humanoid robotics for autism

Phylogeography and genomic epidemiology of SARS-CoV-2 in Italy and Europe with newly characterized Italian genomes between February-June 2020

Alessia Lai, Annalisa Bergna, Stefano Toppo, Marina Morganti, Stefano Menzo, Valeria Ghisetti, Arianna Miola e altri.

Nature Scientific Reports (2022)

Predicting corporate credit risk: Network contagion via trade credit

Claudia Berloco, Gianmarco De Francisci Morales, Daniele Frassineti, Greta Greco, Hashani Kumarasinghe, Marco Lamieri, Emanuele Massaro, Arianna Miola, Shuyi Yang

Plos One (2021)

Smurf-based Anti-Money Laundering in Time-Evolving Transaction Networks

Continuous-Action Reinforcement Learning for Portfolio Allocation of a Life Insurance Company

Constraining deep representations with a noise module for fair classification

Mattia Cerrato, Roberto Esposito, Laura Li Puma

SAC - Symposium on Applied Computing (2020)

Molecular Tracing of SARS-CoV-2 in Italy in the First Three Months of the Epidemic

Structural inequalities emerging from a large wire transfers network

Alfonso Semeraro, Marcella Tambuscio, Silvia Ronchiadin, Laura Li Puma, Giancarlo Ruffo

Applied Network Science (2020)

Success Stories and Case Studies

Support for Legal Text Data Processing

We apply GenAI to assist territorial legal consulting in analyzing the guarantee texts presented by clients, ensuring they comply with both internal and external regulations, and identifying deficiencies or significant misalignments. We are also exploring the possibility of drafting opinions based on similar cases. The "Human in the Loop" approach will ease the workload of colleagues, enabling them to focus more on more complex tasks, thus improving the overall efficiency of the process.

Risk Sensitivity

We support the Chief Risk Officer Area in defining analytical tools based on guidelines for measuring and monitoring exposure to respective risk factors (interest rates, equity, commodities) of financial instrument portfolios (debt securities, stocks, indices, derivatives) of the bank. These tools are designed to minimize the economic impacts of adverse market fluctuations through the identification of a specific algorithm. The algorithm should allow the grouping of individual risk factors (e.g., specific points on interest rate curves for different maturities) into “homogeneous” classes and the corresponding exposures to these factors through AI techniques, particularly using unsupervised learning methods.

Risk Overlay

We have developed solutions to support the front office in defining hedging strategies for investment portfolios. The project has improved efficiency in terms of time and performance, optimizing the definition of risk drivers, the creation of hedging portfolios, and their dynamic management. This has increased the available options for hedging, allowing the exploration of scenarios that were previously unconsidered.

Our Artificial Intelligence seminars

Artificial Intelligence Lab

Activities of the Artificial Intelligence Lab

Collaborative model and PNRR

Artificial Inteligence Lab Scientific Publications

Retrieval Augmented Generation of Summarized Answers on Visually-Rich Documents for Trend and Risk Analysis

Genomic epidemiology of the main sars-cov-2 variants circulating in Italy during the Omicron era

Explainability, Quantified: Benchmarking XAI techniques

Keyword-based Annotation of Visually-Rich Document Contentfor Trend and Risk Analysis using Large Language Models

Genomic epidemiology of the main SARS-CoV-2 variants in Italy between summer 2020 and winter 2021

Retrieval Augmented Generation of Summarized Answers on Visually-Rich Documents for Trend and Risk Analysis

Genomic epidemiology of the main sars-cov-2 variants circulating in Italy during the Omicron era

Explainability, Quantified: Benchmarking XAI techniques

Keyword-based Annotation of Visually-Rich Document Contentfor Trend and Risk Analysis using Large Language Models

Genomic epidemiology of the main SARS-CoV-2 variants in Italy between summer 2020 and winter 2021