IBM Proposal

AIMLUX.ai PROPOSAL: 

Bob - IBM Power / Equitus.us [FinCore] bundle focusing on Financial Applications, combining Infosys Finacle,  and further enhanced by the IBM Bob agent, creates a highly specialized FinCrime and Regulatory Compliance AI Stack that addresses the most complex use cases in modern finance.

The  Bob integration/orchestration leverages the strengths of each component to move financial institutions from a reactive (alert-driven) to a proactive, intelligence-driven posture.

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Primary Use Case: Financial Crime & Compliance (AML/Fraud)

The most direct and powerful application of this bundle is in Anti-Money Laundering (AML), fraud detection, and regulatory compliance, particularly when integrating with Infosys Finacle's core banking data. | Component | Role in Financial Crime & Compliance | 

Use Case Examples | | :--- | :--- | :--- | | KGNN (Knowledge Graph Neural Network) | Intelligence Hub. Unifies vast, disparate data (Finacle transactions, customer profiles, external sanctions lists, public records) into a relational network. Uses Graph Neural Networks (GNNs) to identify non-obvious, multi-hop connections and complex laundering patterns across accounts and borders that rule-based systems miss. 

| Ultimate Beneficial Ownership (UBO) Discovery: Tracing complex ownership chains across shell companies and jurisdictions to meet FATF guidelines. Sanctions Evasion: Detecting indirect connections to sanctioned entities or Politically Exposed Persons (PEPs) via shared intermediaries (e.g., two degrees of separation). | | Graphica (Data Governance) | Trust Engine. Ensures the data feeding the KGNN and AI models is clean, accurate, and compliant. This is critical for FinCore data, which handles modular software components and regulatory reporting. | Reduced False Positives: By ensuring data quality and resolving duplicate entities across systems (Entity Resolution), Graphica dramatically lowers the number of useless alerts, saving analyst time and cost. | 

| AIMLUX.ai (Generative/Predictive AI) | Predictive Insight & Explainability. Applies machine learning models (trained on the KGNN's output) for real-time risk scoring and anomaly detection directly within the Finacle system. | 

Transaction Monitoring & Anomaly Detection: Real-time flagging of unusual transaction patterns (structuring, layering) that deviate from a customer's learned normal behavior, improving detection accuracy. Explainable AI (XAI): Provides a clear rationale for every flagged alert, allowing compliance analysts to quickly adjudicate cases and prepare Suspicious Activity Reports (SARs)—a key regulatory requirement. | 

| EVS (AI Video Support) | Investigative Efficiency. While primarily a sales tool, in compliance, it could be repurposed to analyze interactions with customers during high-risk Enhanced Due Diligence (EDD) interviews. | Case Enrichment: Capturing and analyzing emotional/linguistic cues during EDD interviews to provide another layer of risk assessment on top of transactional data. | 

| IBM Bob (AI Agent) | Automation Layer. Acts as an intelligent agent to automate investigative workflow. | SAR Preparation & Case Management: Automating the collection of all relevant data, documents, and KGNN link analysis output into a standardized case file for the analyst, streamlining reporting and reducing investigation time. |

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Secondary Use Case: Personalized Banking & Customer Risk

Beyond compliance, the bundle allows for the development of hyper-modular financial applications (FinCore) that offer a seamless customer experience while maintaining a strong risk profile.

• 360° Customer View: The KGNN merges transactional data from Finacle with external data (e.g., social, corporate records) to create a comprehensive view of the customer's relationships and holistic risk score. This allows FinCore to offer highly personalized products while flagging complex, high-risk relationships.

• Next-Generation Customer Onboarding (KYC/KYB): KGNN instantly cross-references new applicants against known fraud networks and PEP lists, while Graphica ensures the data is clean. This allows banks to onboard low-risk customers quickly while performing deep, immediate diligence on high-risk cases.

• Modular Software Development (FinCore): The entire stack provides an AI-ready data foundation for Power 10/11 users (FinTech developers) to rapidly build and deploy modular FinCore applications with embedded AML/Fraud intelligence powered by AIMLUX.ai and IBM Bob agents.

Use Ai to Augment rather than Automate --- IBM Equitus.ai Bundle

Jeb Blount would describe the benefits of this highly complex, bundled system (equitus.us, Finacle, AIMLUX.ai, and IBM Bob) as the ultimate Human-AI Advantage Stack that creates an Unstoppable FinTech Sales Professional—the "Power 10/11 User."

He would emphasize that this system is not just about technology; it's about eliminating the Sales Drudgery (the repetitive, time-consuming tasks) and the Data Doubt (the uncertainty that kills deals), allowing the human salesperson to maximize their Sales EQ (Emotional Intelligence) and focus entirely on building trust and solving complex problems.

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The bundled system essentially acts as a powerful exoskeleton, giving the Power 10/11 user unlimited analytical power so their humanity and sales acumen can shine brightest where it matters: earning trust in high-stakes financial engagements.

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🚀 The Three-Pillar AI Advantage for FinTech Sales

Blount breaks down the value of AI into three core functions: Insight, Efficiency, and Connection. This bundle delivers on all three, making the Power 10/11 user an Apex Performer.

1. Data-Driven Insight: The KGNN and Graphica Foundation

The combination of the KGNN (Knowledge Graph) and Graphica (Data Governance) integrated with the vast domain data of FinCore and Infosys Finacle creates a foundation of perfect, compliant data.

• Benefit: Eliminates Pre-Call Research Drudgery. The system doesn't just deliver data; it delivers informed hypotheses and actionable intelligence.

  • KGNN synthesizes internal Finacle/FinCore implementation data with external market trends, regulatory shifts, and competitor moves, telling the salesperson exactly where the prospect's Open Buying Window is right now.

  • Graphica ensures this massive, complex financial data is clean and governed, meaning the personalized pitch generated by AIMLUX.ai is not just relevant, but accurate and compliant—crucial in FinTech.

• Blount's View: "You walk into the room with data-driven confidence. You're not asking simple discovery questions; you're challenging their thinking with specific, undeniable facts about their business and the market. That's how you earn Trusted Advisor status immediately."

2. Execution Efficiency: AIMLUX.ai and IBM Bob

The system leverages generative AI to handle all the routine, low-value creation tasks, dramatically accelerating the sales cycle.

• Benefit: Maximizes Time for High-Leverage Activities.

  • AIMLUX.ai (with Finacle/FinCore data) can rapidly generate hyper-personalized, modular software proposals and implementation roadmaps, reducing proposal generation time from weeks to hours.

  • IBM Bob (acting as an AI agent) manages the administrative and automation tasks—scheduling, follow-ups, and managing the multi-stakeholder communication flow—all based on the insights from the KGNN.

• Blount's View: "AI takes on the role of your high-speed, always-awake, perfectly-trained assistant. You're no longer wasting emotional energy on administrative junk. You get to spend more time on Fanatical Prospecting and in synchronous conversation with the decision-makers."

3. Human Connection: EVS (AI Video Support)

This component directly tackles the non-verbal and emotional aspects of complex sales, which Blount considers the core competitive advantage that AI can only augment, not replace.

• Benefit: Amplifies Emotional Intelligence (Sales EQ).

  • EVS monitors and analyzes prospect engagement and non-verbal cues during virtual meetings (video and voice), providing the salesperson with real-time or post-call feedback on hesitation, interest spikes, and emotional state.

  • This frees the salesperson's mind from note-taking and pitch mechanics to focus entirely on reading the buyer.

• Blount's View: "The money is made in the conversation, not the pitch. EVS helps you read between the lines. It tells you when the buyer is hesitating and what they’re feeling. Your job is to leverage that insight to demonstrate empathy and handle the underlying fear of the complex FinTech decision. That's the part the machine can't do."

You won't lose your job to AI; you'll lose it to people who are using AI. How to Start Using AI in Sales (Ask Jeb) is a video that discusses the essential mindset shift required for salespeople to integrate AI successfully into their daily routines.