Solutions
These are examples of solutions we deliver through templates, forward deployed engineers and implementation partners. Built on Hybrid Intelligence for Financial Services, neuro-symbolic AI that combines learned patterns with explicit reasoning, they demonstrate how the unique capabilities of the platform deliver measurable ROI, confidence and control in tightly regulated and competitive businesses.
Neuro-Symbolic AI in Practice
These solutions demonstrate how combining neural learning with symbolic reasoning enables decisions that traditional ML and rules engines cannot achieve: learning from patterns while respecting constraints, optimising across objectives while remaining auditable and reasoning holistically while explaining every step.
Lending
Lending requires balancing potential benefit against uncertainty under regulatory constraint. Conventional systems respond with conservatism: when evidence is thin, thresholds tighten and uncertainty becomes higher perceived risk. This produces unnecessary exclusion and decisions that misrepresent both customer and actual risk.
Neuro-symbolic AI addresses this by combining learned risk patterns with explicit policy reasoning, enabling decisions that are both more accurate and fully auditable.
Hybrid Intelligence separates risk from lack of evidence, reasons within context rather than averages and structures exposure in proportion to confidence.
The opportunity
Target 15-30% approval rate improvement while maintaining or reducing loss ratios through better separation of risk from uncertainty.
Creditworthiness Assessment
Distinguishing real risk from limited evidence
Models credit risk within relevant peer segments rather than population averages. Separates risk from uncertainty, enabling proportionate decisions where evidence is incomplete but comparable outcomes are strong. Each outcome is traceable to the peer context applied, the evidence used and the policy constraints respected.
Why HI
Neuro-symbolic reasoning explicitly represents confidence in available signals rather than collapsing uncertainty into higher risk scores.
Affordability Assessment
Moving from assumed capacity to evidenced sustainability
Evaluates affordability using observed cashflow behaviour, income stability and repayment patterns over time. Distinguishes volatility from fragility and applies policy with context. Recommends adjusted terms, reduced exposure or staged lending instead of unnecessary declines.
Why HI
Grounds affordability in observed behaviour rather than static proxies and worst-case assumptions.
Loan Structuring & Pricing
Turning risk insight into proportionate, sustainable offers
Treats structuring and pricing as decisions in their own right, not mechanical follow-ons from approval. Translates uncertainty into controlled exposure through adjusted amounts, terms or staged lending. Aligns pricing with segment-specific risk behaviour and balances credit risk, affordability, regulatory constraints and margin targets.
Why HI
Multi-objective optimisation that remains transparent and auditable at every step.
Loan Origination Agent
Coherent decisions across the moment that matters most
Composes identity verification, creditworthiness, affordability, structuring, pricing and policy adjudication into a single coherent decision flow. Reasons holistically rather than sequentially, adapting decisions to confidence rather than just risk. Replaces binary outcomes with proportionate offers.
Why HI
Agent reasoning ensures evidence gathered at one step informs all others, avoiding contradictions between risk, affordability and policy.
Merchant Services
Merchant acquiring requires managing exposure across thousands of merchants and millions of transactions with different risk profiles, behaviours and economics. Conventional systems respond with segmentation, thresholds and reactive reviews. When fraud spikes, controls tighten and conversion suffers. This treats trade-offs as problems to avoid rather than dynamics to orchestrate.
Neuro-symbolic AI enables this coordination by representing relationships between decisions explicitly while learning optimal trade-offs from portfolio behaviour.
Hybrid Intelligence recognises merchant portfolios as systems of interdependent decisions, reasoning about merchants within behavioural context and coordinating across objectives rather than toggling between them.
The opportunity
Target 30-50% fraud loss reduction while improving approval rates up to 10-20% through coordinated portfolio optimisation.
Merchant Risk Assessment & Intervention
Proportionate responses to emerging risk
Models merchants within behaviourally similar peer groups. Classifies risk by type, nature and magnitude (fraud, operational, compliance, business model shift) enabling interventions matched to specific risk. Distinguishes genuine risk from normal business evolution and considers downstream effects on conversion, merchant churn and portfolio economics.
Why HI
Enables staged controls rather than all-or-nothing decisions, with every assessment traceable to evidence and trade-offs.
Transaction Routing & Approval Optimisation
Balancing conversion, cost, resilience and risk
Decides how transactions should be routed and authorised through multi-objective optimisation rather than single-metric tuning. Learns issuer and network behaviour over time and adapts routing decisions continuously based on real-time system health, cost structures and approval probability.
Why HI
Optimises across competing objectives simultaneously rather than toggling between them.
Dispute & Chargeback Propensity Management
From reactive handling to predictive prevention
Predicts which transactions or merchants are likely to dispute and determines when prevention is more effective than recovery. Uses transaction context, merchant fulfilment behaviour and customer response patterns to prioritise intervention across MID, merchant and portfolio.
Why HI
Moves from correlation-based flags to causal understanding of dispute drivers, enabling proportionate intervention.
Merchant Portfolio Optimisation Agent
Coordinated optimisation across the merchant portfolio
Composes merchant risk assessment, transaction routing and dispute management into a single multi-objective decision framework. Optimises fraud risk, approval rates, processing cost, network resilience and merchant experience simultaneously. Decisions are made in context of the whole portfolio with explicit, explainable trade-offs.
Why HI
Neuro-symbolic agent reasoning ensures local optimisation does not undermine global outcomes across the portfolio.
These solutions represent key use cases in Financial Services.
Additional solutions and industry applications are available. Contact us to discuss your specific decision challenges.