“Every product has its own view of the customer — none of them agree.”
SCIKIQOne governed party 360 across accounts, products and channels.
Industry · Banking & Finance
See risk, revenue and compliance in one governed view
Unify core banking, risk, KYC and CRM into a single governed foundation — then explain what moved, trace it to the account and the rule, and act with a full audit trail.
01Where it hurts
The questions risk and finance teams can't answer fast
Each is a question that today means a week of manual reconciliation across systems. SCIKIQ answers it from governed data — with lineage regulators will accept.
“Investigators spend days assembling one case across five systems.”
SCIKIQThe graph assembles the case and links related parties automatically.
“We see the default after it happens, not the early warning before.”
SCIKIQEarly-warning signals surface across systems; an agent flags the exposure.
“Ledger breaks at month-end take days to explain.”
SCIKIQA reconciliation agent matches, explains and posts corrections.
“We can't show a regulator exactly where a number came from.”
SCIKIQFull lineage on every figure — auditable end to end.
“We can't see the true value of a relationship across products.”
SCIKIQRelationship-level lifetime value as a governed data product.
Three kinds of data, one governed graph — SCIKIQ fuses live IIoT signals, systems of record, and the documents in between.
Real-time streams
live signals & telemetry
Transaction streamsCard / POS signalsDevice & session dataMarket data feedsPayment events
Structured
systems of record
Core bankingGeneral ledgerKYC recordsRisk ratingsCard & loan systems
Unstructured
text, images, audio
Loan & contract documentsCall transcriptsEmails & chatRegulatory filingsAdverse-media news
One governed 360 & knowledge graphfused, contextualised and AI-ready
02The four layers
Four layers. Each answers a harder question.
Enterprise 360 tells you what happened. The knowledge graph tells you why. The copilot explains it in plain language. The agent factory does something about it — on your banking & finance data.
01
Layer 1 · Enterprise 360
What is happening?
Unify customer, account, risk and transaction data across core banking, risk and CRM into one real-time view — so risk, finance and the front line share the same numbers.
OutcomeRisk & performance
02
Layer 2 · Knowledge Graph
Why is it happening?
Trace the relationships between parties, accounts, exposures and alerts to find the root cause behind a number — and prove exactly where every fact came from.
OutcomeCompliance & risk
03
Layer 3 · AI Copilot
Tell me, in plain language
Let a risk officer or relationship manager ask in plain language — answered from governed data with the lineage a regulator will accept.
OutcomeCompetitive advantage
04
Layer 4 · Agent Factory
Don’t just tell me — fix it
Turn answers into action. Agents triage AML alerts, flag credit risk, reconcile the ledger and trigger next-best-action — every step logged and auditable.
OutcomeLoss & leakage protection
03The outcome
What banks and insurers get
A governed foundation risk, finance and compliance can all trust.
1Governed view across every product and channel
HoursTo assemble an AML case, not days
FullLineage on every regulated number
WeeksTo deploy on your existing core
04Skill your team
The engineers who deploy this
SCIKIQ Certified Data and AI Engineer runs a specialisation for this sector — the same value chain, data landscape and constraints as this page, taught as hands-on labs with timed assessments and two end-to-end capstones.
Which number can't you explain to the regulator today?
We would love to think through it with you — no pitch, no form maze.
Frequently asked questions
How does SCIKIQ support risk and regulatory reporting?
It unifies party, exposure and transaction data into a governed knowledge graph with full lineage, so every figure in a risk or regulatory report can be traced to its source system. Policy-as-code and audit-ready evidence are mapped to frameworks including GDPR and India DPDP.
Can SCIKIQ help with AML and credit early-warning?
Yes. Agents run continuously against the governed layer to flag anomalies, surface credit early-warning signals and reconcile across systems, with every action logged so a reviewer can see why an alert fired.
Is customer data kept governed and access-controlled?
Access control extends to non-human identities as well as people, so agents and service accounts get least-privilege credentials and audit trails. Sensitive fields stay governed by the same policies wherever they are queried.