How to Build Portable Semantic Search for Private SaaS Docs with RAG
Developers building private fintech knowledge bases can use a four-step pipeline: chunking documents, generating embeddings, retrieving relevant passages, and grounding chat completions in those passages with cited chunk IDs. Access-control filters must be applied at the retrieval stage before any content enters the prompt, as serving answers from inaccessible policy documents is a security failure regardless of accuracy. Reranking between retrieval and prompt assembly is optional and should only be added when evaluation data shows first-pass semantic search is missing useful results. For provider flexibility, teams can choose between direct API access to OpenAI, Anthropic, or Gemini, or use aggregation layers like OpenRouter, LiteLLM, or Infrai depending on operational preferences. Token counting during chunking and prompt assembly is recommended over character counts to enforce usage limits reliably.
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