Discover the problem. Diagnose the drivers. Recommend the next move.
| Business challenge | How Incedo LighthouseTM helps |
|---|---|
|
Challenge 01 Growth opportunities remain hidden across existing customer relationships |
AI-native customer growth intelligenceFind underpenetrated customer cohorts, understand product needs and prioritize relevant cross-sell opportunities. |
|
Challenge 02 Applications grow, but booked accounts do not keep pace |
Funnel conversion diagnosticsConnect offer, application and booking signals to uncover conversion drop-offs by channel, segment and proposition. |
|
Challenge 03 Collections deterioration is recognized too late to intervene effectively |
Early warning and collections prioritizationDetect emerging roll-rate and cure-rate shifts, diagnose affected cohorts and recommend where to intervene. |
|
Challenge 04, Advisor changes and asset outflows are hard to see early |
Advisor and AUM intelligenceConnect advisor production, client-book exposure and asset flows to prioritize retention decisions. |
|
Challenge 05, Disconnected KPIs and manual investigations slow high-value decisions |
Agentic diagnosis to recommended actionGround AI in banking metrics, explain root causes and move findings to owned actions and outcome tracking. |
Head of Retail Banking / Lending Head of Cards Business Marketing & Growth Leaders
Head of Collections Collections Strategy Leaders Product / Portfolio P&L Leaders
Wealth / AWM COO Head of Advisor Platform
Six focused use cases across Retail Banking & Cards, Collections, and Asset & Wealth Management.
Grow customer relationships, improve funnel conversion, increase customer value and intervene earlier in collections.
Identify which existing customers have the strongest need for another product and which proposition is most relevant to them.
See where customers drop between offer, application and booked account, and isolate the segment or channel driving the leakage.
Identify the behaviors and cohorts that separate high-value primary relationships from low-engagement customers.
Detect early stress, understand which treatments work for which customers, and prioritize interventions where they can change the outcome.
Protect advisor relationships and understand what is really driving asset growth or outflows.
Detect production and behavioral changes that may precede advisor departure and identify the books and assets at risk.
Separate organic asset growth from market movement and diagnose what is driving inflows, outflows and client asset retention.
Incedo LighthouseTM combines agentic AI, banking domain knowledge and your existing data to continuously discover performance issues, diagnose root causes, predict impact and recommend the next best action.
Agentic AI + LLM reasoning + banking ML
Illustrative architecture based on the Lighthouse for Banking pitch. Integration and governance controls are configured for each bank.
Executive and business-user experience
Business questions and performance signals
Emerging issues
Root causes
Likely impact
Priority actions
Grounded in coded banking context
Coded banking knowledge
Connected, permissioned data access
Existing banking data and analytics
Deploy Incedo LighthouseTM around a priority use case, with banking SMEs and technology teams aligned on the data, KPIs and measurable business outcome. Keep your existing banking and analytics stack.
Agree the business problem, priority KPIs, available data, decision owner and success criteria.
Set up secure access to approved data sources and configure banking KPI trees and agents.
Demonstrate the priority use-case MVP, test diagnoses with business teams and refine recommendations.
Validate diagnostic quality, controls and outcomes before extending to further decisions and teams.
Subject to agreed scope, data readiness and security approvals.
Deployment route and data handling are confirmed against the bank's security, infrastructure and governance requirements. No core-system replacement is required.
Brings consistent metric definitions and KPI relationships into the decision so teams are not debating which number is right.
Explains why a KPI changed and isolates the driver, segment or cohort behind the movement.
Lets leaders ask the next question in the context of the same investigation instead of launching another analysis project.
Monitors important signals continuously so emerging issues can surface before the next scheduled review.
Sits above existing data, BI and operating systems rather than requiring a core-platform replacement.
Connects the finding to a recommended intervention, clear ownership and outcome tracking.
Each diagnosis can link back to the supporting data, document or business signal.
Role-based access and sensitive-data safeguards align use to business responsibility.
Confidence thresholds can route lower-confidence or judgment-heavy cases to an expert.
Platform activity, findings and recommendations can be logged for review.
A focused set of buyer questions covering fit, integration, trust and the best place to start.
BI platforms are primarily designed to report and visualize what happened. Their copilots make it easier to create charts, queries and summaries. Incedo Lighthouse extends the decision chain by continuously discovering problems, diagnosing why a banking KPI moved, forecasting what may happen next and recommending what the business should do. It complements existing BI investments rather than replacing them.
A general-purpose model does not inherently understand your bank, its live KPIs, historical performance or causal business relationships. Your Data & AI team builds models, pipelines and analytical assets. Incedo Lighthouse brings those elements together for business users, grounding AI reasoning in banking context and turning analysis into decision-ready recommendations with clear ownership.
Start with a high-value KPI where the issue is currently discovered or diagnosed too late. The initial Lighthouse for Banking proposition focuses on Customer Growth – Cross-Sell, Marketing Funnel Optimization, Revenue Growth – Increase Customer Value, Collection Efficiency – Reduce Charge-Offs, Advisor Churn Prevention and AUM Growth.
No. Incedo Lighthouse works with an existing enterprise-data foundation. It connects to databases, cloud warehouses, APIs, KPI feeds and business systems, providing a decision-intelligence layer above the bank’s current core, channel, risk and analytics environments.
Diagnoses can be traced to the supporting data, document or signal. Outputs can be evaluated against quality and confidence thresholds, with human review for lower-confidence or judgment-heavy cases. Findings, recommendations and actions can also be logged to support reproducibility and review.
Start with one priority problem and define the KPI, decision owner, current intervention process and success measure. Connect only the data needed for that use case, validate the diagnosis and action workflow, and then expand to adjacent priorities. Incedo Lighthouse is designed to sit above existing systems, so the initial motion does not require a core replacement.
Start with one high-value decision across customer growth, marketing effectiveness, collections or wealth. See how Incedo LighthouseTM connects the metric, diagnosis, follow-up questions and action in one decision flow.