AI Workbench reasons. BusinessBANKER executes and governs.
Deployed on the systems your bank already runs, nothing replaced.
Extraction, analysis, recommendation, human validation. Built from your own credit experts' judgment, not a generic model fine-tuned on someone else's portfolio.
Model-agnostic: any LLM, swapped per agent, without rewriting the workflow. Source-accessible. Deployed in your cloud.
Overlays your existing LOS and core. Nothing is replaced.
Captures, versions, reviews and audits what the agents produce, then executes the resulting actions, documents, workflow, booking, where the incumbent LOS cannot.
Built on Cognitive Core, our no-code workflow engine. Your credit team configures it; nothing is IT-dependent.
AI Workbench prepares the analysis. BusinessBANKER is where your credit team reviews it, signs off and keeps the record.
Your best credit officer retires in 18 months. Their judgment, edge cases, and intuition, do they walk out the door?
Not anymore. We've captured 1,000+ hours of Cognitive Task Analysis from senior analysts, this is the expertise AI Workbench's agents are built from.
Legacy systems store transactions.
We store judgment.
A cognitive task analysis of a major Canadian bank's commercial lending process found dozens of manual actions spread across several disconnected systems, with most files picking up at least one error. BusinessBANKER, built on Cognitive Core, puts it in one guided workflow.
In a draft study of 10 loan files, the system reached the reference decision 96% of the time, against 57% for a senior human adjudicator.1 Ten files is a small sample, so the margin of error is wide. Every engagement starts in shadow mode on your own files.
No model lock-in and no vendor-hosted black box. The platform runs in your own AWS account, and you pick the model behind each agent.
Audit trail, confidence thresholds, and an automation-threshold specification written against OSFI E-23, delivered as a model-governance pack.
Recommendations become governed, auditable actions in a system of record, the gap every bolt-on AI tool leaves to the bank.
Cognitive Group holds its own SOC 2 Type 2 report, for the period ending 31 December 2025. This is our audit, not our cloud provider's. SSO, MFA, role-based access control, and a live Fiserv DNA core integration.
1. Cognitive Group, “Beyond the Illusion of Generality”, draft white paper, January 2026: 10 loan files scored against a reference decision, one senior adjudicator (10+ years) versus the multi-agent system. Not peer reviewed.
What we don't claim: best-in-class depth in every niche, such as commercial real-estate valuation, consumer scoring or document forensics. We work with partners there. Our claim is breadth, governance and control in one platform.
Start with a fixed-fee shadow-mode pilot of 10 to 12 weeks, then make a go/no-go decision. If it's a go, AI Workbench runs in production on your existing workflow for an annual platform fee plus a fee per approved transaction, and BusinessBANKER adds the execution layer where your loan system falls short.