CustIQ 360°

Relationship Managers in banks often need to navigate multiple core banking modules — CASA, Lending, Wealth, KYC — to understand a customer's complete financial profile, taking 15–30 minutes per lookup. This causes missed cross-sell opportunities, no real-time personalized recommendations, and difficulty answering what-if financial questions. Customer documents and images (ID proofs, salary slips, property documents) are still processed manually, slowing onboarding. Existing platforms like Finacle primarily manage structured data with limited AI capabilities.

A multi-agent AI system on top of simulated core banking modules that creates a unified Customer 360° profile. Specialized agents combine accounts data (Customer 360 Aggregator), let RMs ask natural-language questions (Conversational Query Engine), suggest next-best products (Cross-Sell Recommender), simulate scenarios (What-If Simulator), validate against compliance (Compliance Guardrail Agent), and push proactive alerts (Proactive Alert Engine). Goal: reduce lookup time from ~30 minutes to <2 minutes.

• RM opens the unified dashboard
• Asks a natural-language question about a customer
• Customer 360 Aggregator combines CASA, lending, wealth, and KYC data
• Cross-Sell Recommender suggests next-best products
• What-If Simulator instantly calculates EMIs, FD penalties, and loan scenarios
• Compliance Guardrail validates every recommendation
• Proactive Alert Engine pushes daily KYC expiry, FD maturity, churn-risk, and dormancy warnings

• Information extraction — from documents and images (ID, salary slip, property documents)
• RAG and semantic search — over customer data and product catalog
• Conversational agent — for RM queries and mathematical reasoning
• Structured output generation — insights, recommendations, and rules-checked outputs

• Backend: Python + FastAPI
• Frontend: React
• Agent orchestration: LangChain / LangGraph
• Vector DB: FAISS
• LLM / multimodal: Gemini Pro & Vision API
• Vibe coding: AI assistants (Cursor / Claude / etc.)