Tool profile
Duco: cost, fit and limits
Duco is a data preparation and reconciliation platform made by Duco Technology Limited in London that ingests data, matches it, manages exceptions and extracts fields from documents, with an agentic workspace where AI proposes and a person approves. Banks and asset managers are among its named clients.
What to know first
Duco's home page is unusually specific about how its AI may act. An adaptive reasoning layer proposes changes but never modifies data, approved rules then run deterministically, and a human approval step signs off suggestions. The product list covers data preparation, reconciliation, exception management, extraction and the agentic workspace. No prices, plan names or certifications appear, so cost and security evidence come from sales and the trust center.
Duco at a glance
| Maker | Duco Technology Limited, United Kingdom |
|---|---|
| Free plan | No |
| Entry price | Quote only |
| API access | No |
| Category | Best AI Financial Close Software in 2026, rank 6 of 10 |
| Website | du.co |
Who Duco is best for
Banks and asset managers
Customer logos include ING, HSBC, Northern Trust, Santander, Morgan Stanley and others, and a story describes a manager cutting costs 35% and retiring two systems.
Teams that distrust autonomous agents
The model layer proposes changes only, approved rules run deterministically and a person signs off, which suits strict change control.
Operations drowning in PDFs
Adaptive IDP extracts data from documents before matching, which reduces retyping of statements and confirmations. Fewer retyped statements means fewer breaks that begin as keying errors in the first place.
Global operations teams
The page cites 10,000 users in more than 30 countries, with offices in London, New York, Wroclaw, Antwerp and Singapore.
Duco plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Duco platform | Not shown, quote | Core product for data preparation, reconciliation and exception management. Ask for a quote that names data volumes, entities and the number of reconciliation processes. |
| Adaptive IDP | Not shown | Data extraction from unstructured documents feeding the platform. Ask whether extraction is priced per page, per document or inside the platform fee. |
| Agentic workspace | Not shown | AI layer with adaptive reasoning, controlled execution and human approval. Ask which actions require approval by default, and whether you can raise that bar. |
| Exception management | Not shown | Workflows for breaks found by reconciliation. Ask whether it is part of the base platform and how many analysts can work in it at once. |
Checked November 2026.
What Duco does
- Adaptive reasoning
- A model layer proposes rule or data changes, but the page says it never modifies your data directly. That separation lets a controller review a proposal like a draft, so the model can suggest while the ledger stays untouched.
- Controlled execution
- Once approved, rules run deterministically, so the same input yields the same result in the next period. Because approved rules are fixed, an auditor can re-run a period and expect the same matches and the same breaks.
- Human approval
- A checkpoint requires a person to sign off suggestions before they apply. Ask who holds the approver role in your tenant, and whether the checkpoint can be set per rule or per account.
- Data preparation
- Incoming data is cleaned and shaped before matching, which reduces breaks caused by formats. Cleaner inputs matter before matching, because mismatched dates, currencies and references create breaks that are not real errors.
- Exception management
- Breaks are routed for investigation instead of staying in a spreadsheet. Ask how breaks are assigned, aged and escalated, and how the status shows up in a month-end report.
How Duco handles your data
Duco's privacy notice says Duco Technology Limited at 27 Goswell Road, London is the controller for its website, and that the entity for a service is identified when you order. It states that client data may be used to train machine learning and AI models in Duco's services to develop and upgrade them, and that client data is never shared with other clients or third parties. Amazon Web Services is the hosting provider, with unspecified regions, and data may move to the US, Poland, Singapore and Belgium. Basic client information is kept six years after a relationship ends.
Where Duco falls short in practice
- Training on client data. The notice says client data may train models. Regulated buyers should negotiate an opt-out or a written limit in the contract. Regulated buyers should negotiate an opt-out or a written limit in the contract, and keep a copy.
- No price or certification shown. The home page lists no plans and no certifications, only a trust centre link, so a security review starts from scratch. A security review therefore starts from scratch, with documents requested by email before any pilot.
- Hosting region unspecified. The notice names AWS but not the regions used, which matters for firms with residency rules. That matters for firms with residency rules, because AWS offers many regions and the choice is not stated.
Works with
Alternatives to Duco
Duco: common questions
Can Duco's AI change my data?
The home page says the adaptive reasoning layer proposes changes but never modifies your data. Approved rules run deterministically and a human approval step signs off suggestions. Check in a trial that the approval is logged. Check in a trial that the approval is logged and that a rejected suggestion leaves no change in the data.
Does Duco train models on client data?
The privacy notice says client data may be used to train machine learning and AI models in Duco's services, and is never shared with other clients or third parties. Ask whether you can opt out. Ask whether you can opt out of training, and get the answer written into the contract before you load data.
Where is Duco's data hosted?
The notice names Amazon Web Services as hosting provider and says data may be transferred to the US, Poland, Singapore and Belgium. It does not specify AWS regions, so ask which region your tenant uses. Ask which AWS region your tenant uses and how backups are stored, since the notice does not specify it.
Who uses Duco?
The home page shows logos such as Scotiabank, ING, HSBC, Northern Trust, Santander and Morgan Stanley, and testimonials from CIBC Mellon, ING and WTW. It states 10,000 users in more than 30 countries. No customer count is given beyond the user figure, so ask for references at firms of your size.
Does Duco print prices?
No. The pages we read show no prices or plan names. Ask for a written quote that names data volumes, entities, the agentic workspace and any extraction fees. The pages show neither, so ask for a written quote that names modules, volumes and the cost of extraction.