CoBa creates the intelligence layer financial services has been missing – connecting fragmented data, understanding what matters and orchestrating action through one continuously learning platform.
Core banking platforms and digital channels are essential – but they were not designed to create a complete, contextual view of every client.
Banking, accounting, ERP, product and external data remain spread across disconnected systems.
Teams and clients spend time assembling information before they can understand exposure, risk or opportunity.
Without a usable client position, insight, personalisation and next-best actions remain limited.
The route from knowing to doing is fragmented across people, products, channels and workflows.
Bring together banking, accounting, ERP, product and external data through one secure orchestration layer.
Normalise, aggregate, and calculate across every entity and account to create a consolidated management position.
AI reads the position and surfaces the opportunities, risks and exceptions that need attention, with the reasoning attached.
Model the alternatives inside policy, rules and limits, so the chosen action is already compliant when it is approved.
Decisions move into controlled journeys through the institution’s own products and rails, and every step is evidenced.
CoBa sits alongside existing infrastructure. It creates a joined-up position, uses AI to identify what matters and orchestrates the next action through the financial institution’s own services.
Modular experiences that are embedded into the financial institution’s channels and connected to its own products, pricing and execution.
Connected actuals, forecasts, scenarios and early signals to reveal future liquidity needs.
See the positionIdentify exposures, model sensitivity and link invoices through to bank-executed hedging workflows.
Understand riskTurn approved invoices into secure payment journeys through the institution’s own rails.
Make action happenSurface surplus cash, upcoming requirements and relevant bank-owned liquidity options.
Reveal opportunityConnect receivables, payables and cash cycles to identify pressure points and funding needs.
Act earlierGive relationship teams a contextual client view, AI-assisted prompts and prioritised next actions.
Personalise every momentCoBa combines structured domain knowledge with large language models to explain what is changing, why it matters and what can happen next – within the institution’s controls.
The largest combined shortfall is expected between 16 November and 8 December, with three clients accounting for 68% of the total exposure.
The forecast combines current balances, expected receivables, scheduled payments and existing funding arrangements. Clients are prioritised by the size, proximity and duration of the predicted shortfall.
Ready to create a connected, intelligent experience for your clients and colleagues?
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