Live 100+ applications, running on sample data todayReplace your SaaS sprawl with apps you own .
Start from 100+ prebuilt finance and banking apps, for the close, reconciliation, cash application, treasury, KYC and more, or build your own in plain English. It's explainable AI in finance: every number is computed, not generated, and traceable to the records behind it.
100+ applications, 18 process areas
639 agents and automations underneath
0 numbers generated by a model
In short
What is explainable AI in finance? Explainable AI in finance means every figure an AI system shows can be traced to the records and the rule that produced it. In Kognitos Apps, numbers are computed by deterministic steps written in plain English, never generated by a language model, so you can open any number and follow it back to source records.
Why Kognitos apps
AI on top. Every number inspectable underneath.
Inspect everything on screen Open any number or chart and follow it back to the records behind it: the source, the filters, the calculation and the documents.
Audit-proof by design The logic is written in plain English, English-as-Code , and runs the same way every time. Every figure is computed, not generated.
Neurosymbolic applications A layer on top of AI: language models read documents and requests, and deterministic code does the math, so every step stays inspectable. What is neurosymbolic AI?
The catalog
100+ apps, built to be rebuilt.
65 finance applications across the back office, and 39 banking applications modeled on the BIAN v13 service landscape. Each one opens working, on realistic sample data, before a single system is connected.
Policy & Technical Accounting Accounting Policy & Memo Library For the technical accounting director: which policies are overdue or hit by new standards, which procedures no longer match the ERP, and which memos wait for sign-off.
Policy review and publication Accounting policy author Procedure drafting +2 more
Asset Disposal Asset Retirement Tracker For the fixed asset accountant: process disposals and write-offs, review the gain or loss posted, and confirm sale proceeds were collected.
Asset retirement & disposal processing Gain/loss on disposal calculation Asset write-off processing +1 more
Audit Support Audit Request Hub For the controller and audit liaison: every PBC request delivered on time and tied to the books, auditor follow-ups answered consistently, and findings verified before they close.
PBC request interpreter PBC fulfillment Internal audit workpaper preparation +3 more
Chart of Accounts (COA) Management COA Governance Workbench For the GL master data lead: which accounts are dormant, duplicated or unmapped, which changes wait on approval, and what the controller still has to decide.
COA rationalization analysis GL account change request processing Dimension member change request processing +3 more
Asset Acquisition & Capitalization Capitalization Desk For the fixed asset accountant: capex approved against budget, what was capitalized or expensed and why, which assets the ERP created, and where policy was dodged.
Capex approval and budget tracking Asset capitalization and tagging Asset master data setup +2 more
Close Calendar & Coordination Close Command Center For the controller and close manager: how far the close has come against plan, who owns what is late or blocked, and whether the deadline holds.
Close status reporting Close task assignment and tracking Close blocker resolver +1 more
Close Execution Close Entries Workbench For the assistant controller: every accrual, reserve, FX revaluation, depreciation and lease entry of the close by entity, and which are late, in exception or missing.
Period-end accrual processing Non-PO accrual estimator Provision and reserve calculation +3 more
Consolidation Adjustments Consolidation Adjustments Workbench For the group consolidation manager: which intercompany pairs are matched, what still blocks elimination, and which NCI, equity and purchase accounting entries wait for approval this close.
Intercompany elimination posting IC break investigator NCI calculation and posting +2 more
Subsidiary Reporting Collection Entity Submission Tracker For the group consolidation manager: which entities have sent their trial balance, which files pass validation, what the controllers say about each exception, and what is loaded for consolidation.
Subsidiary trial balance collection Submission data validation Submission query agent +1 more
Statutory & External Reporting External Reporting Workbench For the external reporting manager: what is due, whether the statements tie, what blocks certification, and which filings reached the authority.
Entity management filing obligations Financial statement build Footnote drafting +5 more
Currency Translation FX and Translation Console For the consolidation accountant: whether the period rates are clean and loaded, which subsidiaries translated and balanced, why the CTA moved, and which economies are turning hyperinflationary.
FX rate load and validation Foreign subsidiary translation CTA and OCI rollforward tracking +2 more
Financial Master Data Management Finance Master Data Governance For the master data lead: every GL account, center, entity and FX rate change from request to ERP, and every change that skipped governance.
GL account request governance Cost and profit center request governance Legal entity request governance +3 more
Accounting Systems Administration Finance Systems Operations Console For the finance systems manager: which interfaces broke and why, which access requests conflict, who holds privileged access, and which changes reached production.
Accounting interface monitoring Interface failure triage agent User access request management +3 more
Asset Maintenance Fixed Asset Register Monitor For the fixed asset manager: whether the register is complete, depreciation posted on time, CIP tied and aging, and every impairment indicator and count break worked.
Asset register data quality checks Depreciation and amortization run Asset transfer and reclassification +5 more
Indirect Tax Accounting Indirect Tax Control Center For the indirect tax manager: reconcile VAT/GST, true up sales and use tax, check withholding before payments go out, and act on nexus before it turns into exposure.
VAT/GST reconciliation Sales and use tax recompute and true-up Withholding tax accounting +2 more
Intercompany Accounting Intercompany Control Tower For the intercompany accountant and group consolidation manager: which partner pairs do not net to zero, which disputes block the close, and what each entity settles and trues up.
Intercompany transaction recording Intercompany matching and dispute tracking Intercompany dispute resolver +3 more
Journal Entry Processing Journal Entry Desk For the GL accountant and approver: what is prepared, waiting on approval or posted this close, what the interfaces dropped, and which posted entries look risky.
Manual journal entry preparation Recurring journal entry generation Accrual and deferral entry generation +6 more
Management Reporting Management Reporting Hub For FP&A and the controller: the management P&L against budget, the movers still lacking commentary, segment and KPI results, and the board package through approval.
Management P&L build Variance commentary collection Variance investigator +4 more
Post-Close Review Post-Close Review Console For the controller: whether the closed trial balance holds up, which material movers still lack approved commentary, what was posted after review began, and which gates stand between each entity and the lock.
Trial balance review Flux variance analysis Period locking and finalization +1 more
Pre-Close Activities Pre-Close Readiness Board For the assistant controller: which sub-ledgers are tied and closed, what still blocks the rest, and the allocation, revenue and reserve entries posted for the close.
ERP sub-ledger period status Sub-ledger cut-off and closing Cost allocation and overhead absorption +4 more
General Ledger Reconciliations Reconciliation Hub For the reconciliation team and the controller: run, review and certify the period’s balance sheet reconciliations and clear the breaks.
Balance sheet reconciliation and certification Bank account reconciliation Sub-ledger to GL reconciliation +2 more
Regulatory & Specialized Reporting Regulatory Filing Tracker For the regulatory reporting manager: which returns are due, which failed the regulator’s checks or moved beyond threshold, which wait on the officer, and where ESG data has gaps.
Regulatory filing deadline tracker Industry regulatory return preparation Government statistical return filing +3 more
SOX & Internal Controls Management SOX Control Monitor For the SOX program manager: which key controls ran on time, how far testing is against plan, which deficiencies are open and who holds conflicting access.
GRC control library Key control execution GRC test plan +5 more
Tax Compliance Support Tax Compliance Readiness For the tax compliance manager: which required returns still lack a tied-out package, which tested parties left their arm’s length range, and what each filed return trued up.
Tax engine compliance calendar Tax return data extract Transfer pricing documentation +2 more
Income Tax Provision Tax Provision Workbench For the tax provision manager: run and post the current and deferred provision, explain the ETR, size uncertain positions and draft the tax footnote.
Current tax provision Deferred tax calculation ETR reconciliation +4 more
AP Accounting & Close AP Close Workbench For the AP accounting lead and controller: close payables each month with a reconciled subledger, a cleared and accrued GR/IR account, an aging and DPO pack, and 1099s ready to file.
AP subledger to GL reconciliation GR/IR clearing and accrual AP aging and DPO pack +2 more
Invoice Receipt & Capture AP Invoice Desk For the AP team: every invoice from inbox to posted bill.
Invoice Intake Agent Post bill to NetSuite
Invoice Receipt & Capture Invoice Capture Console For the AP intake specialist and supervisor: every inbound invoice from arrival to a validated, deduplicated record, and the ones that need a person.
Invoice ingestion sweep Invoice IDP extraction Invoice validation +2 more
Invoice Coding & Enrichment Invoice Coding Workbench For AP and GL accountants: GL, cost center and tax coding on every invoice line, the lines held for review, and the GR/IR accrual at each close.
GL coding Coding exception reviewer Indirect tax determination +3 more
Matching & Exception Match Exception Desk For AP match specialists and buyers: why invoices failed PO and receipt matching, and the right resolution to clear each hold.
Invoice match engine Hold resolution Variance resolution +2 more
Approval & Payment Payment Run Cockpit For the AP manager and treasury analyst: what is waiting on approvers, what is in today’s payment run and whether it is safe to release, and which discounts and payments need a push.
Invoice approval routing Payment proposal builder Pre-release payment run checks +6 more
Requisition & Purchase Order Requisition-to-PO Tracker For procurement managers, buyers and budget owners: every requisition from submit to an approved, dispatched PO and a posted receipt, with budget and contract checks at each step.
Requisition approval routing PO creation and dispatch PO amendment +4 more
Supplier Master & Onboarding Supplier Onboarding Desk For the vendor master data analyst: get new and changed suppliers into the ERP verified, deduplicated and tax-ready, and keep unverified bank details from being paid.
Supplier onboarding Supplier master change Bank detail verification and fraud screen +4 more
Expense & Card Management T&E Audit Console For the T&E auditor and card program administrator: every expense report and card charge audited against policy, card statements tied out, and abuse patterns called.
T&E report audit Expense policy check Corporate card reconciliation +3 more
Supplier Master & Onboarding Vendor Onboarding For procurement: new vendors checked, approved and set up in the ERP.
Vendor Verification Agent Create vendor in ERP
Billing & Invoicing Billing Assurance Center For the billing manager: what is blocked before tonight’s run, what went out and arrived, what was delivered but never billed, and which credits need a decision.
Invoice generation and issuance Billing exception analyst Recurring and usage billing run +4 more
Cash Application Cash Application Workbench For the cash application specialist: apply every receipt to the right open invoices and clear unapplied cash quickly.
Remittance ingestion Payment-to-invoice matching Unapplied cash resolution +2 more
Collections & Disputes Collections Cockpit For the collections lead: what is overdue, and who has been chased.
AR aging snapshot Dunning Outreach Agent
Collections & Disputes Collections Workbench For collectors and the collections manager: who to call this morning and why, what to release, which disputes and promises need a decision.
Collections worklist Collections call prep agent ERP AR open items (live) +4 more
Customer Master & Credit Credit Desk For the credit manager: onboard customers, decide credit applications and watch live exposure against limits and insured cover.
Customer onboarding Credit application scoring Credit exposure monitoring +2 more
Order Management Order Release Monitor For the order management lead and credit analysts: which orders made it into the ERP clean, which lines are underpriced, which credit holds to release, and what has reached the warehouse.
Sales order validation Pricing and terms validation ERP credit-blocked sales orders +3 more
AR Accounting & Analytics Receivables Close and Insight For the AR accounting manager, controller and treasury analyst: is AR reconciled to the GL, why DSO moved, what the allowance should be, and when the cash comes in.
AR subledger to GL reconciliation AR aging and DSO pack Allowance estimate and JE +2 more
Budgeting Budget Cycle Tracker For the FP&A lead: who has submitted, where each cost center stands against its target, what the consolidated plan says and what blocks it from the EPM.
Budget submission collection & validation Target setting & negotiation Budget challenge reviewer +3 more
Profitability & Cost Analysis Margin & Cost Explorer For the FP&A manager, cost accountant and commercial finance lead: who earns money after allocated cost, why gross margin fell, where spend is creeping and whether every cost pool cleared.
Product, customer and segment profitability Margin erosion investigator Cost and spend analysis +2 more
Management Reporting & Analysis Performance Reporting Hub For the FP&A manager, the CFO and business unit finance partners: the monthly pack, KPIs with commentary, and evidenced explanations of every material variance in one place.
KPI and dashboard maintenance Variance and driver analysis Performance analyst +4 more
Planning Platform & Data Planning Data Health For the FP&A systems owner: load actuals into the planning platform, prove they tie to the GL, close mapping gaps and apply approved model changes.
GL-to-plan actuals tie-out Actuals & data integration Planning model & template maintenance +2 more
Forecasting Rolling Forecast Cockpit For the FP&A manager: refresh and publish the rolling forecast after each close, see what moved and why, and how accurate and biased past forecasts were.
Rolling forecast preparation Driver-based forecasting Forecast overlay reviewer +1 more
Strategic & Capital Planning Strategic Plan & Capital Board For the Head of FP&A and the capital committee: how each long-range scenario lands on growth, leverage and cash, which capital requests earn their place, and which approved projects are running over.
Long-range scenario & cash projection Strategic scenario advisor What-if & driver sensitivity +3 more
Direct Tax Compliance Income Tax Return Workbench For the direct tax manager: which returns are computed, reviewed and filed, what is paid against what is owed, and what the filed returns did to the provision.
Corporate income tax return preparation Return review analyst Estimated payments and extensions +2 more
Indirect Tax Compliance Indirect Tax Control Tower For the indirect tax manager: tax determined on every transaction, returns filed on time, e-invoices cleared, exempt sales supported and nexus registered.
Transaction tax determination ERP posted invoice tax lines Taxability determination agent +5 more
Tax Data Management Tax Data Readiness Hub For tax data and indirect tax managers: which entity datasets are complete, reconciled and return-ready this period, and what is holding the rest.
Tax-sensitized data extraction Tax data validation and reconciliation Tax data package assembly +1 more
Tax Operations Tax Operations Desk For the head of tax operations: every filing obligation, open notice and audit request in one place, with owner, deadline and status.
Tax calendar and obligation tracking Notice and correspondence management Notice response analyst +2 more
Transfer Pricing & Specialty Transfer Pricing and Specialty Filings Monitor For the transfer pricing manager and tax director: which tested parties are drifting out of their arm’s length range before year end, which true-ups wait for certification, and which specialty filings and property assessments need action.
Transfer pricing calculation and monitoring Transfer pricing policy agent Specialty filing assembly +1 more
Withholding & Information Reporting Withholding and Information Return Center For the tax compliance manager, AP manager and international tax analyst: what was withheld and why, which payees lack documentation, how the 1099 and 1042-S filings stand, and what is still owed to the tax authorities.
Withholding tax calculation and remittance Treaty documentation reviewer Payee documentation readiness monitoring +3 more
Bank Relationship Management Bank Relationship Hub For the treasury operations manager: every bank account and signatory, what each bank charges, how much it holds and how it scores.
Bank account management (BAM) & signatories Bank fee analysis Bank connectivity & onboarding +4 more
Cash Forecasting Cash Forecast Workbench For the treasury forecasting analyst: the 13-week cash forecast, what changed since last week, and where the last forecast missed.
Short-term cash forecasting Forecast variance & accuracy analysis Forecast review analyst
Cash & Liquidity Daily Liquidity Desk For the cash manager: today’s group cash, broken feeds, sweeps and headroom in one place.
Daily cash positioning Bank statement import & reconciliation Cash concentration and sweeps +4 more
Debt & Investments Debt & Investment Monitor For the treasurer: facility headroom, covenant cushions, the investment portfolio against policy and the month-end entries in one view.
Debt & borrowing administration Interest & covenant compliance Investment portfolio tracking +2 more
Financial Risk Management Market Risk & Hedge Console For the treasury risk manager: FX and rate exposure against policy, the hedges that close it, and whether they stay effective.
FX exposure measurement Hedge execution & designation Hedge accounting & effectiveness testing +3 more
Payments & Settlement Payment Control Tower For the treasury payments lead: what is cleared, held or blocked in today’s batches, what reached the bank, and what each entity nets.
ERP approved payment batches Payment fraud & sanctions screening Held payment investigator +2 more
Payroll Calculation Pay Run Calculation Control For the payroll manager: which pay runs are blocked from release and why, which employees are held, and which garnishments and off-cycle payments wait on you.
Gross-to-net calculation Earnings, deductions and benefits processing Garnishment and court-order processing +3 more
Payroll Disbursement Payday Funding and Payment Monitor For payroll and treasury: the right amount funded and paid to the right accounts on payday, and payslips that reach employees and match the register.
Pay-run execution and funding Payroll funding bank feed Payment risk case reviewer +1 more
Payroll Accounting & Controls Payroll Close and Controls For payroll accountants and controllers: close payroll in the GL with posted journals, reconciled accounts, accruals and control evidence.
Payroll GL posting and allocation Payroll reconciliation Labor cost and accrual +2 more
Time & Data Capture Payroll Input Readiness For the payroll manager: whether time, pay changes, new hires and terminations are complete, approved and in payroll before cutoff.
Timesheet status (time and attendance) Time and attendance capture Payroll input change management +2 more
Payroll Tax Payroll Tax Compliance Monitor For the payroll tax manager: payroll taxes calculated, deposited and filed correctly and on time in every jurisdiction.
Payroll tax calculation Payroll tax deposits and remittances Payroll tax filings +1 more
Origination and Closing of Corporate Loan Corporate Credit Pipeline For relationship managers, credit analysts and closing officers: every corporate deal from request to funding, and what is holding it.
Corporate loan request intake Sanctions match disposition agent Corporate loan underwriting +4 more
Modification of Corporate Loan Corporate Loan Modification Tracker For credit officers and loan operations: every corporate loan modification from request through approval, refinance and booking, and what is holding each one.
Modification request intake and analysis Corporate credit memo drafter Refinance disbursement +1 more
Syndicated Loans > Syndicated Loans Servicing Loan Agency Servicing Console For loan agency operations: borrower payments, lender distributions, billing, participation transfers and payoffs on the syndicated loans Harbor agents.
Daily receipt check Payment deviation triage agent Lender distribution +7 more
Renewal of Uncollateralised Consumer Loan Loan Renewal and Flipping Watch For the consumer lending manager and the responsible lending compliance officer: personal loan renewals and top-ups from request to payout, and the customers refinanced again and again without a benefit.
Renewal request Renewal underwriting Customer benefit assessor +3 more
Loan Servicing Loan Servicing Control Tower For loan servicing managers and credit officers: borrower reporting, covenant health, daily payment application, payoffs and investor remittances in one place.
Borrower reporting collection Borrower financial statement review Covenant breach analyst +6 more
Origination and Closing of Consumer Mortgage Loan Mortgage Pipeline and Closing Readiness For mortgage processing, underwriting and closing teams: each file's stage, blockers and checks from application to funded loan.
Mortgage application Mortgage processing Loan file document reviewer +4 more
Origination and Closing of Uncollateralised Consumer Loan Personal Loan Decisioning Desk For the consumer lending manager, underwriting team lead and compliance analyst: every personal loan application from intake to payout, the referrals waiting on a decision, and the offers and notices that need fixing.
Personal loan application Personal loan underwriting Personal loan referral reviewer +4 more
Origination and Closing of Merchandising Loan Point-of-Sale Finance Monitor For consumer lending operations and dealer risk analysts: track dealer-originated loans from application to dealer funding and watch dealer quality.
Merchandising loan application Merchandising loan underwriting Title transfer preparation +4 more
Modification of Merchandising Loan Retail Loan Change Desk For the consumer lending operations lead and the hardship team lead: every request to change a vehicle or point-of-sale loan, who it waits on, and whether the accepted change got booked.
Merchandising loan change request Hardship assessor Merchandising loan change booking
Securitization Securitisation Pool Workbench For structured finance analysts, the capital markets desk and investor servicing: select the pool, model it under stress, place the notes and watch what was sold.
Securitisation loan selection Securitisation structuring and sale Securitisation placement preparation +3 more
Syndicated Loans > Syndicated Loans Origination and Set Up Syndication Deal Room For the lead arranger and agency team: every syndicated deal from mandate to drawdown, and which lender or decision is holding it.
Syndication request intake Sanctions match disposition agent Syndicated loan underwriting +5 more
Corporate Current Accounts Management Corporate Account Servicing Desk For the corporate account operations manager: every opening, closure, mandate, block and statement case in flight, how old it is against SLA, what is holding it, and what waits for four-eyes.
Corporate account opening Corporate account closure Related party addition +5 more
Credit Facilties Management Credit Facilities Pipeline For the corporate credit team: take facility requests from intake to a booked limit, then watch utilisation, covenants and annual reviews.
Credit facility application Connected exposure rollup Facility utilisation monitor +3 more
Direct Debits Service Management Direct Debit Mandate Hub For the payments operations mandate team and cash management: mandate registrations, B2B notices, amendments and copy requests against their deadlines, creditor onboarding, and creditors over their return-rate appetite.
Creditor-side mandate registration Debtor-side B2B mandate registration Debtor-side B2B amendment +5 more
Sweeps and Pooling Management Liquidity Structures Console For liquidity product specialists and treasury RMs: what each group’s sweep or pool looks like, whether last night’s run did what it should, and what a change would do before it is applied.
Cash concentration structure definitions Daily sweep and pool reconciliation Physical sweep set-up +5 more
Corporate Payroll Services Payroll Banking Desk For the payroll services manager: every employer agreement, every salary account file row by row, and which package accounts no longer receive salary.
Corporate payroll service agreements Payroll agreement set-up Bulk salary account opening +3 more
Standing Orders Management Standing Order Control Desk For the payments servicing team lead: every standing order request against its next cut-off, closing accounts still carrying orders, failing executions and orders held on fraud rules.
Corporate standing order set-up Corporate standing order cancellation Corporate standing order reconnection +4 more
Trade Finance (unfiled in BIAN navigation) Trade Finance Workbench For trade operations, trade RMs and trade credit officers: examine presentations inside the five-day deadline, run LC and guarantee requests, and watch exposure, expiries and claims.
Import presentation examination Export presentation examination Documentary credit examiner +6 more
Virtual Accounts Management Virtual Account Manager For cash management implementation and operations: every client’s virtual IBANs by entity and purpose, whether they add up to the master, and how much overdraft is left to carve out.
Core banking virtual account register Limit system master overdraft facilities Bulk virtual account opening +6 more
Buy Now Pay Later BNPL Decision and Portfolio Monitor For BNPL product, credit risk and fraud leads: every Harbor Pay request, the decision and plan booked, and how those plans are repaying.
BNPL light underwriting BNPL financing for existing customers BNPL financing with external data +3 more
Cash Payments Branch Cash Withdrawal Monitor For the branch operations manager: whether counter withdrawals kept to product rules, whether teller cash agrees with the count, and whether large cash was reported on time.
Savings cash withdrawal at the counter Teller cash reconciliation at branch close Large cash aggregation and CTR filing +1 more
Credit Transfers Credit Transfer Control Tower For the payment operations manager: what went straight through, what is held and how close it is to cut-off, and whether released payments reached the beneficiary bank.
Outgoing credit transfer Outgoing FCY credit transfer via SWIFT Internal transfer with second-line authorisation +4 more
Direct Debits Direct Debit Operations Hub For direct debit operations and scheme managers: rejected collections, unauthorised-debit claims against their deadlines, R-transactions, and the creditors breaching return thresholds.
Incoming direct debit processing at debtor bank Unauthorised debit claim intake Unauthorised debit claim closure +5 more
Request to Pay Request to Pay Monitor For the request-to-pay product owner and payment operations: requests received and sent, how they were screened and paid, and incoming payments that did not match a request.
Incoming request to pay handling Deferred request to pay payment Outgoing request to pay +4 more
Bookings and Interest Management Booking and Accrual Monitor For deposit operations and product control: whether every current and savings account accrued last night, what was booked and blocked today, and where accruals and the GL disagree.
Current account interest accrual Savings account interest accrual Credit booking +5 more
Term Deposit Management Corporate Term Deposit Desk For the corporate deposit operations lead: each client’s framework headroom and live deposits, every deal, break, renewal and switch in flight, and the pricing exceptions to act on.
Corporate term deposit book and framework limits Corporate deposit booking Early break +6 more
Current Accounts Management Current Account Servicing Desk For the account servicing team lead: every open, close and statement request in flight, what stopped it, and which new accounts behave like mules.
Retail current account opening Digital additional account opening Account opening file reviewer +5 more
Term Deposits Management Retail Term Deposit Lifecycle Monitor For the retail deposit operations lead: maturities, early closures, renewals and new placements in one place, checked every day against the rate card.
Retail term deposit maturity processing Retail term deposit early closure Retail term deposit early renewal +6 more
Savings Accounts Management Savings Account Operations Hub For savings operations: open, close and change signatories on savings accounts, and track dormant balances before they become unclaimed.
Savings account opening Savings account closure Add signatory to savings account +2 more
Customer Billing Card Billing and Collections Cockpit For card billing operations and collections managers: whether each billing cycle billed every account cleanly, which treatments hit delinquent accounts and why, how collection cases and promises are going, and what direct debits collected.
Card billing cycle run Card delinquency review Delinquency treatment reviewer +3 more
Card Transactions Card Disputes Workbench For card dispute teams on the issuing and acquiring side: every chargeback, representment, adjustment and retrieval request, and the network deadlines they must meet.
Issuer chargeback Acquirer chargeback Retrieval request fulfilment +4 more
Card Issuance and Management Card Lifecycle Operations For card operations managers: follow renewal, replacement, block, activation and new-card runs, and every card from order to activation.
Card renewal Renewal hold reviewer Card replacement +6 more
Customer Onboarding and Verification KYC Onboarding Command Center For KYC operations leads, compliance and relationship managers: every onboarding and review case, what it is waiting on, how it was rated, and whether the approved record reached every system.
Corporate onboarding initiation Customer due diligence assessment Regulatory KYC analysis +6 more
Customer Relationship Management Relationship Manager Workbench For relationship managers and team heads: who is due a plan or review, who is drifting and why, and where mandate changes, fee complaints and campaigns stand.
CRM client book Relationship development planning Client health signal scoring +6 more
Business Development (general) Growth Performance Studio For the head of business development and marketing analytics: see how segments, products and campaigns perform against plan and competitors, and decide what to scale or stop.
Segment performance scorecard External campaign portfolio analysis Internal campaign uplift analysis +5 more
Channels (general) Channel Network Monitor For the head of channels: ATM cash and outages, branch cash and CIT handovers, contact centre service levels and digital adoption, with the moves the automations make waiting for approval.
ATM float and outage review Branch cash distribution Contact centre staffing rebalance +4 more
Corporate Finance (general) Commercial Paper Desk For CP desk originators, ALM and middle office: programme usage, issuances in flight, the maturity ladder and rollover risk.
CP programme and maturity monitor CP issuance CP pricing and placement analyst
Product and Price (general) Product Change Control Room For product managers and the new product approval committee: every product change, new product, launch and phase-out, the gate it sits at and the customers and revenue it touches.
Operational product change New product creation Single sales product creation +4 more
Wealth (general) Wealth Advisory Cockpit For the private banker and investment specialist: which portfolios have drifted, which reviews are due, whether proposals are suitable, and who now qualifies for private banking.
PMS portfolios CRM wealth client profiles Wealth performance review +5 more
No application matches that. Try a process name, a role, or a system.
How it compares
Where the reasoning actually lives.
ERP + reports AI assistant on top Kognitos applications
Where the logic lives Configuration and custom code A prompt, and the model's judgment A procedure in English, step by step Who can read it The consultant who built it Nobody — it is inside the model Anyone who owns the process Where the number comes from A query you cannot see Generated text Arithmetic over records, shown on request How far you can drill To a list You cannot To the source document What happens when it is wrong A ticket, then a release Wrong invisibly A named step you can open and change
Questions
What finance teams ask us
What is explainable AI in finance?
Explainable AI in finance means every figure an AI system shows can be traced to the records and the rule that produced it. In Kognitos Apps, numbers are computed by deterministic steps written in plain English, never generated by a language model, so you can open any number and follow it back to source records.
Is "neurosymbolic" a real distinction or a label?
In this stack it is enumerable. The catalog is built from 54 primitives: 29 deterministic, 4 connectors, 3 platform operations, 3 classical ML models, 1 OCR, 1 human step, 6 language-model operations, and the rest hybrids. Every step of every procedure names the one it uses — 1,225 citations across 236 finance templates. What is neurosymbolic AI? .
The symbolic layer is not a wrapper around a model. It is the majority of the system, and the model is a component inside it.
How do I verify that no number comes from a model?
Structurally, the rendering path has no model in it: the widgets read run records and compute counts, sums, averages, rates, minimums, maximums and groupings. There is no model dependency in that code and there cannot be one.
Empirically, open any tile's inspect view. It shows the population and every record's contribution. If the number had not come from those records, the arithmetic would not reconcile.
What a model can produce is a field inside a record — an extracted amount, a classification, a drafted paragraph. Those are labelled, scored, and visible as such.
So is this "hallucination-proof"?
We will not use that phrase, because it is not true and you would find out. A model can misread an invoice, misclassify a transaction, or draft something unwise.
What is true is narrower and more useful: a hallucinated number cannot reach a tile, because tiles do not render model output. Model errors are possible, localized, labelled and correctable — not impossible. The numbers are computed, not generated.
Can I really use these before connecting anything?
Yes, and that is the point. Evaluating a finance application against an empty shell tells you nothing. Every catalog application ships with a sample database holding enough realistic history to work a full close, a full exception queue or a full onboarding backlog.
None of it is presented as your data. Each dependency carries an explicit binding, sample or live, and the inspect view always states which one answered.
Why should I believe the banking applications map to anything real?
They are modeled on the BIAN v13 service landscape — 300 templates, each carrying the BIAN source identifier, the published source URL for the service domain, and the step count of the source definition. You can open the BIAN specification alongside the application and check the mapping yourself.
How does this relate to AI employees and Context Graphs?
An application is the surface a team works in. The AI employees are the roles that work the queues inside it, and the context graph is the memory they read the business from. The procedures described on this page are what all three execute.
Is the AI deterministic?
No, and we would not trust a vendor who said otherwise — frontier language models are not bitwise deterministic even at temperature zero.
The honest claim is that the parts which must be exact are exact, because they are not models. Arithmetic, filters, tolerances, routing and the audit record are all symbolic. The model-touching steps are variable, individually identified, and their outputs land in fields you can see and correct.
Retire your first point solution.
Pick one point solution your finance team pays for. Start from the closest of the 100+ apps, or build your own in plain English, and every number stays inspectable down to the document.
Figures describing the catalog (104 applications, 18 process areas, 639 agents and automations, 54 primitives, 236 finance templates, 300 BIAN templates) are counted from the shipping catalog. Every screen shown on this page is the application itself, captured from the product running on sample data. Sample data shown on this page is illustrative. Items marked † are pending sign-off in the claims register and must clear it before launch. Kognitos Context Graphs · Kognitos AI employees