Credit Intelligence provides real-time risk assessment for every customer using open banking transaction data, bureau data, and behavioural signals. Unlike annual scorecard refreshes, AI updates risk profiles continuously — detecting deteriorating situations 90 days before a default event. Early warning system: customers showing stress signals (missed payments, salary delays, unusual spending) are identified for proactive support conversations — when intervention is still helpful. All credit limit decisions require authorised credit officer approval. AI provides assessment — credit professionals make decisions.

AML Intelligence monitors 12 million transactions daily using network analysis, behavioural profiling, and typology-based detection. Network analysis: money laundering often involves multiple accounts working in concert — AI identifies account clusters and suspicious fund flow patterns invisible to single-account monitoring. SAR preparation: when a suspicious activity is confirmed, AI prepares a draft SAR with all supporting transaction data, network connections, and regulatory references — MLRO reviews, enhances, and submits. All SAR submissions require MLRO sign-off. False positive rate: 8% vs industry average 95% — freeing investigators for real crime.