AI and automation for retail banks and credit unions.
Faster lending decisions, complaints handled on time and member experiences that feel personal, inside the controls your regulators expect.
built for
credit unions
community and regional banks
digital banks
lending and member service teams
→ built by people who have run digital, wealth and banking businesses in Canada
> 01 / what we hear
Members expect digital speed. Controls expect rigour.
Loan files stall
Documents chased by email before an underwriter can start.
Complaints sprawl
Complaints arrive across channels and timelines are at risk.
Applications abandoned
Long forms lose members before they finish.
Service teams stretched
Branches and contact centres answer the same questions all day.
> 02 / the member journey
Where time and money leak, stage by stage
Pick a stage. Each saffron square is a leak we commonly find.
01
Discover
what happens
A prospect compares products and starts to engage.
where it leaks
Generic offers that ignore what the member needs
✓ the fix
Lifecycle messages driven by behaviour and life events.
banking/member-lifecycle
moves: products per member
02
Open
what happens
Accounts opened and identity verified.
where it leaks
Applications abandoned midway
Manual identity and document checks
✓ the fix
Guided onboarding with completeness checks before submission.
ops/document-processing
moves: application completion rate
03
Borrow
what happens
Loan and mortgage applications move to a decision.
where it leaks
Missing documents
Re-keying between systems
✓ the fix
Documents gathered and checked before the file reaches an underwriter.
banking/loan-intake
moves: time to decision
04
Service
what happens
Everyday requests and complaints.
where it leaks
Complaints not tracked against timelines
✓ the fix
Complaints logged, routed and tracked to resolution.
banking/complaints
moves: complaints resolved on time
05
Grow
what happens
Deepening the relationship over time.
where it leaks
No early signal before a member leaves
✓ the fix
Alerts on attrition signals to the right person.
data/kpi-alerts
moves: member retention
> 03 / the numbers we move
KPIs you already track
Time to loan decision
Application completion rate
Products per member
Complaints resolved on time
First-contact resolution
Member retention
Cost to serve
Digital adoption
> 04 / built for the rules you work under
Compliance designed in
FCACComplaint handling and consumer protection steps built into service flows (federal banks).
OSFITechnology and model risk documentation for federally regulated institutions.
FSRAMarket conduct and complaint expectations for Ontario credit unions.
FINTRACIdentity verification and record-keeping kept intact.
> 05 / where to start
Workflows for retail banking
banking/loan-intakeLoan application intakeDocuments gathered and checked before an underwriter sees the file.
banking/complaintsComplaint handlingComplaints logged, routed and tracked against regulatory timelines.
banking/member-lifecycleMember lifecycleOnboarding and lifecycle messages that deepen relationships.
banking/branch-reportingBranch reportingBranch sales and service results in one daily view.
> 06 / questions
Banking leaders ask us
Can we use AI under our model risk expectations?+
Yes, with an inventory, validation and human oversight. We document each model and its controls so your risk team can govern it.
Does this mean replacing our core banking system?+
No. We work around your core, connecting the systems your teams already use.
What happens to the time we save?+
That's your call. Most teams put it into customers, growth and the projects they keep postponing.
How fast can we start?+
A free 30-minute call, then your strategy and priced roadmap in 10 business days. First results are usually live in weeks 3 to 6.
book --discovery-call
Faster decisions for members, with every control intact.
You'll leave the call with three things worth fixing, whether or not we work together.