Platform Capabilities

Capabilities are grouped by domain. All capabilities listed below are production-verified.

Financial Health Scoring

Business Health Index (BHI)

Proprietary five-component weighted composite score (0-100) measuring entity financial health. Components assess liquidity, volatility, revenue stability, expense management, and payment behavior.

Bands: critical (0-34), poor (35-49), fair (50-64), good (65-79), excellent (80-100).

SME Health Calculator

Lightweight alternative to BHI with six components: stability, growth, diversification, cash flow health, activity, and seasonality.

Seasonal Adjustment

Industry-specific monthly adjustment profiles that compensate for expected seasonal variations. Covers agriculture/cocoa, retail/commerce, hospitality/tourism, construction, services/technology, manufacturing, and other industries relevant to deployment markets.

Peer Benchmarking

Percentile ranking across multiple financial metrics against an anonymized peer cohort. Performance labels: top_quartile, above_average, average, below_average, bottom_quartile.

Fraud Detection

Signal Detection Engine

Multi-signal detection engine operating on configurable time windows. Detects:

• Velocity anomalies (unusual transaction count or value spikes)
• Behavioral pattern shifts (dormancy-to-activity transitions)
• Structuring patterns (threshold evasion indicators)
• Concentration anomalies (unusual value distribution)
• Flow analysis (pass-through and layering patterns)
• Peer-based statistical outlier detection

All signals produce explainability metadata: contributing factors, mitigating factors, and evidence items.

Risk Assessment

Risk Scoring Service

Composite risk score (0-100) combining multiple proprietary components including health assessment, churn probability, default probability, and volatility.

Risk bands: low, medium, high, critical.

Markov Credit State Model

Four-state discrete Markov chain (healthy/watch/critical/default) with Bayesian posterior estimation. Produces forward-looking state transition predictions, steady-state distribution, and expected time-to-default.

Cashflow Forecasting

Forward-looking weekly projections with trend extrapolation, seasonal decomposition, and configurable confidence intervals (90/95/99%). Outputs include shortfall probability, working capital gap, and risk flags.

Recommendations

Next-Best-Action Engine

Rule-based recommendation engine generating prioritized actions for relationship managers. ML re-ranking available for improved personalization.

Human approval required for all credit, retention, and treasury actions.

Credit Line Proposals

Automated credit limit adjustment proposals with human-in-the-loop approval workflow. Portfolio-level credit reviews available.

Compliance

KYC/AML Workflow Orchestration

Full case lifecycle management (open, under_review, pending_info, escalated, closed). SLA tracking with breach alerts. Evidence snapshots. Regulatory report preparation templates.

Sanctions Screening

Integration-ready sanctions screening with configurable match thresholds. Requires external sanctions data provider.

Data Subject Rights

Data export, data erasure, and Data Subject Request lifecycle management with full audit trail.

Workflow Automation

Configurable multi-step workflows with event-driven, cron, and manual triggers. Durable execution with crash recovery. Conditional branching via workflow DSL.

ML Service

Python-based inference service providing ML-enhanced scoring for health assessment, cashflow forecasting, and action re-ranking. All endpoints fall back to deterministic heuristic scoring when ML models are unavailable.