AI for banking and financial services, with an audit trail
WYnova applies artificial intelligence in banking and financial services to regulated processes such as debt recovery, with human validation and an audit trail for every decision.
Contact WYnovaCommon challenges in the sector
Collection portfolios prioritised on each manager's experience, with no estimated probability of recovery.
The same message sent to every debtor, regardless of profile and channel.
Contacts tracked by hand, with no consolidated record for audit.
Debt recovery prioritisation
Challenge
Determine which debts to address first and which approach to take with each customer, using criteria that the risk and audit functions can verify.
Proposed approach
A machine learning model ranks the portfolio by probability of recovery. Generative AI prepares the communication for each customer and channel, the collections team validates it before sending, and follow-up is automated, with an audit trail of every contact.
Expected result
Collection effort focused on the debts most likely to be recovered, less manual follow-up and every contact traceable for internal audit and banking supervision.
Technical areas: ML, GenAI, RPA, Data Eng
Other sectors
Insurance
Claims handling with fraud detection and human validation.
Retail
Demand forecasting and automatic replenishment by store and SKU.
Public sector
Analysis of bids in public tenders, with cited sources.