Genio for Banking, Financial Services & Insurance

Modern BFSI operates at algorithmic speed, yet legacy cores, siloed ledgers, and manual reviews still shape daily decisions. Risk officers, underwriters, and fraud teams juggle KYC docs, transaction graphs, policy files, and regulatory updates—each trapped in its own system.

Genio BFSI unifies these fragments into a recursive memory engine. Every payment, claim, and compliance alert becomes part of a continuously learning truth graph—slashing risk, improving customer trust, and accelerating growth.

NOW → EXPRESS

• Ingests core banking transactions, real-time payments, policy-admin feeds, market data, and document repositories.
• Maps account, customer, and entity IDs across lines of business.

INTERPRET → REFLECT

• Applies graph analytics for AML, sanctions, and relationship risk scoring.
• Runs anomaly models on claims frequency, card usage, and trading patterns.

VISUALIZE → EMBED

• Streams fraud alerts, risk heat-maps, and personalized insights to frontline systems.
• Embeds each event as a vector—enabling semantic recall across decades of records.

REPLAY

• Full audit trail of every decision—explainable AI for regulators and auditors.
• Feeds resolved fraud cases and claims disputes back into training loops.

1. Risk Graph Engine

Connects accounts, devices, IPs, and counterparties—detecting hidden rings and cascading exposures in milliseconds.

2. KYC / AML Accelerator

Parses IDs, PDFs, and watchlists; auto-generates risk ratings and SAR drafts, cutting manual review time by 60 %.

3. Real-Time Fraud Shield

Combines transaction velocity, behavior profiles, and device fingerprints—blocking threats before authorization.

4. Customer 360 Insights

Embeds every interaction—from mobile-app journeys to policy renewals—surfacing cross-sell, retention, and life-event triggers.

• Secure Ingest: ISO 20022 / ISO 8583, FIX feeds, and SFTP docs stream into encrypted Kafka tiers.
• Genio Heads: Summarizer, NER (entities & regs), Sentiment (customer comms), Risk-QA, Embed—containerized via NeMo 2.0 on GPUs, TPUs, or LPUs.
• Memory Layer: PostgreSQL (ledger & policy), Qdrant (vectors), DuckDB (time-series) under strict role-based access.
• Visualization: Neo4j Bloom risk maps, D3 credit dashboards, and VR-room mock stress-tests.

2025 – APAC
A digital-first bank and life insurer integrated Genio across cards, deposits, and underwriting. In six months:

• Fraud-loss rate dropped 37 % via real-time graph scoring.
• KYC onboarding time shrank from 48 h to < 10 min.
• Cross-sell conversion rose 18 % through proactive life-event triggers.

• Truth Anchored: Immutable memory of every risk decision.
• Reg-Ready: Explainability baked into each loop.
• Unified Intelligence: One customer graph, all products.
• Future-Proof: Vendor-agnostic, quantum-safe roadmap.