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Digital twins for banks

Test a banking decision before you run it on real customers

Fewer experiments on real customers. More decisions tested on data.

A classical bank building beside its digital twin — a wireframe model of the same building, connected by dashed lines

We build digital models of customers, banking processes and transactions so you can test new products, credit policies, customer journeys and anti-fraud rules before any of it goes into production.

Discuss a pilot for my bankSee a digital twin in action
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Our digital twins

Three models
Twin 01

Customer digital twin

Understand how customers will react before the product goes live.

The model reproduces customer behavioural scenarios and lets you anticipate how they will respond to changes in banking products and services.

I want to test a customer scenario

What you can test

  • 01Propensity to take a credit product
  • 02Response to a rate or fee change
  • 03Likelihood of churn
  • 04Response to a marketing offer
  • 05The customer journey through a new service
  • 06Behavioural scenarios across customer segments

Result

The bank can compare several scenarios before launching a campaign or changing a product.

Twin 02

Credit pipeline digital twin

See where your credit process loses time and customers.

The model reproduces how loan applications actually move through the bank's systems, processes and teams. It shows the stages where applications stall, get returned for rework, or create additional load on people.

Find the bottlenecks in my credit process

What you can model

  • 01A change to the credit process
  • 02A new sequence of checks
  • 03Automation of individual stages
  • 04A change to application turnaround times
  • 05Growth in application volume
  • 06Changes to decision rules

Result

The bank sees the bottlenecks before the new process is rolled out.

Twin 03

Transaction flow digital twin

Test anti-fraud rules without putting real payments at risk.

The model creates a controlled environment for reproducing transaction activity and testing fraud scenarios. You can replay ordinary and suspicious behaviour, build test fraud schemes and watch how the bank's rules respond to them.

Discuss an anti-fraud twin

What you can test

  • 01Anti-fraud rules
  • 02AML scenarios
  • 03Unusual transactions
  • 04Networks of linked accounts
  • 05Changes to anti-fraud models
  • 06Behaviour under high transaction volume

Result

New rules and models can be tested before they are connected to the real payment flow.

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How it works

From banking data to a controlled experiment

  1. 01

    We connect the data

    Core banking, CRM, BPM, credit systems, payments, customer activity and any other available sources.

  2. 02

    We build the digital twin

    We reproduce a customer, a process or a transaction environment as a digital model.

  3. 03

    We run the scenarios

    • What happens if we cut the lending rate by 1%?
    • What happens if we automate one stage of the loan application?
    • How will a new rule behave on unusual transactions?
  4. 04

    We compare the results

    The bank gets a forecast for each scenario and a basis for the decision.

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Not technology for its own sake

The digital twin runs alongside your banking systems

Nothing has to be replaced. The twin adds a separate modelling layer that connects to the bank's existing IT architecture and changes nothing inside it.

Your existing IT architecture stays as it is

  • Core banking
  • CRM
  • BPM
  • AML
  • Credit platform
  • Others

The core principle

Model → test → compare → and only then roll out

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Security and governance

Built for an environment where data matters

The solution is configured to each bank's own requirements for data access, connections and control over models.

The bank remains the owner of the data and of the final decision.

  • 01Private cloud deployment
  • 02On-premises deployment
  • 03Role-based access control
  • 04Audit trail of every action
  • 05Every decision confirmed by a human
  • 06Full isolation from the production environment
  • 07Control over how models are used
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Pilot project

Don't start with a large project. Start with one scenario.

A first digital twin needs just one specific task. For example:

We build the model, run the scenarios and show what the bank can learn before the change is made.

Discuss a pilot project
  • Scenario 01

    How will demand for credit change at a new rate?

  • Scenario 02

    Where does the delay in the credit pipeline occur?

  • Scenario 03

    How will a new anti-fraud rule behave across different transaction types?

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Enquiry

Which digital twin could be useful to your bank?

Leave your contact details — we'll discuss a specific process or task and propose a pilot project scenario.

What would you like to test?

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