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AI is starting to support decisioning.

AI is being introduced in targeted areas of the customer lifecycle—augmenting onboarding, fraud checks, and credit decisions with early insights and automation. You’re beginning to lay the groundwork for more intelligent, responsive operations, but most decisioning remains hybrid or siloed.
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Take the Quiz

AI Maturity Assessment

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Category: STRATEGIC ALIGNMENT & GOVERNANCE

How clearly defined and aligned is your organization’s AI decisioning strategy?

2 / 14

Category: STRATEGIC ALIGNMENT & GOVERNANCE

How do you ensure decisions are ethical, fair, and compliant with regulations?

3 / 14

Category: STRATEGIC ALIGNMENT & GOVERNANCE

How integrated is AI decisioning within your credit and fraud teams?

4 / 14

Category: DATA READINESS & INFRASTRUCTURE

What types of data are used in your decisioning process?

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Category: DATA READINESS & INFRASTRUCTURE

How would you describe your approach to data preprocessing and quality management before decisioning?

6 / 14

Category: AI & ANALYTICS CAPABILITIES

What kind of analytics drive your decisioning today?

7 / 14

Category: AI & ANALYTICS CAPABILITIES

How are your models and decisioning strategies updated over time?

8 / 14

Category: AI & ANALYTICS CAPABILITIES

How quickly can your system adapt to new data, threats, or changes in customer behavior?

9 / 14

Category: LIFECYCLE APPLICATION OF AI

How well is AI decisioning applied across the customer lifecycle (from onboarding to collections)?

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Category: LIFECYCLE APPLICATION OF AI

How is AI used to inform strategic decisions (e.g., product design, pricing, credit policy)?

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Category: LIFECYCLE APPLICATION OF AI

How is AI used to manage and optimize your customer or credit portfolio?

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Category: USE CASE EXECUTION ACROSS LIFECYCLE

How is AI used during onboarding?

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Category: USE CASE EXECUTION ACROSS LIFECYCLE

How is AI used to detect and prevent application fraud?

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Category: USE CASE EXECUTION ACROSS LIFECYCLE

How is AI used in customer management and collections?

AI Assessment
Take the AI Maturity Assessment Quiz

1.

Learn the Landscape

See how data and AI power smarter decisions in banking and lending.
Learn how financial institutions use data science and AI to assess risk, detect fraud, personalize offers, and improve collections, while staying compliant and in control.


AI in Financial Services 101

For risk, fraud, product, and innovation teams in financial services.

2.
Optimize and refine your first live AI strategies

Swipe through real AI wins across financial services. These strategies minimize risk, maximize value, and accelerate results.

3.

Navigate the global AI landscape

AI regulation is evolving fast, and it varies by region.
Use this interactive global map to understand key compliance requirements and legal frameworks that impact AI use around the world.

map

Australia

  • AI Compliance: No AI Act yet; legislation is under discussion.
  • Data Protection: No specific notes on AI-related data protection outlined.

Brazil

  • AI Compliance: AI Bill proposed; approved by the Senate, pending Chamber of Deputies review and potential amendments.
  • Data Protection: Strong rights to review automated decisions, data access, correction, erasure, portability, objection, anonymization, and lodge complaints.

Canada

  • AI Compliance: AIDA within Bill C-27 proposed to regulate safe, fair AI use, focusing on business accountability and high-impact systems.
  • Data Protection: No specific AI data protection rights outlined separately from general frameworks.

Chile

  • AI Compliance: No AI Act; proposals at early development stage.
  • Data Protection: Early-stage proposals for rights concerning AI, automated decisions, and profiling.

Colombia

  • AI Compliance: Early-stage proposals for AI regulation.
  • Data Protection: Qualified rights against automated decision-making, transparency requirements, and the right to human review.

European Union

  • AI Compliance: The AI Act is in force (since August 2024); risk-based classification and strict obligations begin in 2025.
  • Data Protection: Profiling and automated decision-making contribute to system classification and obligations under the AI Act.

India

  • AI Compliance: No specific AI legislation; Digital India Act draft expected to address AI and privacy.
  • Data Protection: No current specific regulations on automated decision-making or profiling.

Indonesia

  • AI Compliance: Ethical guidelines for AI issued (non-binding, 2023).
  • Data Protection: Draft Bill regarding AI, profiling, and automated decision-making in progress.

Malaysia

New Zealand

Singapore

  • AI Compliance: No AI Act; guidance issued for AI-based personal data usage.
  • Data Protection: Non-binding principles and guidance provided.

Thailand

  • AI Compliance: Two AI-related draft legislations introduced (still under development).
  • Data Protection: Draft regulations regarding profiling and automated decisions in progress.

Philippines

  • AI Compliance: Advisory No. 2024-04 published; draft bills pending, including AI Regulation Act.
  • Data Protection: Strict consent and transparency requirements; qualified rights against automated decisions, and human review rights.

United States (USA)

  • AI Compliance: No comprehensive federal AI regulation yet; regulatory initiatives developing.
  • Data Protection: Varies by state; consult compliance team for specific local laws.

United Kingdom (UK)

  • AI Compliance: AI legislation expected in 2025.
  • Data Protection: Qualified rights against automated decision-making, with specific exemptions; rights to transparency and human review.

Vietnam

  • AI Compliance: AI standards and guidance issued; Draft DTI Law focuses on AI classification and ethical principles.
  • Data Protection: Consumer Protection Law requires periodic assessments of AI systems; voluntary national AI standards introduced.

4.

Fine-Tune Your AI for Smarter Decisions

Whether you’re retraining models, adjusting features, or upgrading your approach, small changes can unlock big improvements in performance and precision.

Retrain or Update Model

Improves accuracy and adaptability to new patterns or segments

Swap Model Type

Change from rules to ML, or from ML to deep learning, to better match the problem complexity

Use Ensemble Models

Combine multiple models for greater stability or accuracy across scenarios

Tweak Features

Refine inputs used by the model—drop noisy ones or engineer new ones