# Explainable AI for Finance and Banking: 100+ Apps | Kognitos > 100+ finance and banking apps where every number is computed, not generated, and traceable to the records behind it. Explainable AI your auditor can check. Source: https://www.kognitos.com/apps/ ## 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. ## Replace 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 across 18 process areas - 639 agents and automations underneath them - 0 numbers generated by a model ## 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 (https://www.kognitos.com/blog/what-is-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. ## The catalog The catalog is rendered in JavaScript on the page, so every application is listed here in full, with the agents and automations that run underneath it. ### Finance 65 applications across the finance back office. #### Record-to-Report (25) - **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. - Process area: Policy & Technical Accounting - Underneath: Policy review and publication; Accounting policy author; Procedure drafting; Technical memo drafting; Technical accounting memo writer - **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. - Process area: Asset Disposal - Underneath: Asset retirement & disposal processing; Gain/loss on disposal calculation; Asset write-off processing; ERP asset sale receivables - **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. - Process area: Audit Support - Underneath: PBC request interpreter; PBC fulfillment; Internal audit workpaper preparation; Audit trail completeness monitoring; Audit response drafter; Audit issue remediation tracking - **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. - Process area: Chart of Accounts (COA) Management - Underneath: COA rationalization analysis; GL account change request processing; Dimension member change request processing; Account hierarchy mapping; COA master data monitoring; Chart of accounts steward - **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. - Process area: Asset Acquisition & Capitalization - Underneath: Capex approval and budget tracking; Asset capitalization and tagging; Asset master data setup; Capitalization policy exception screening; Capex versus opex classifier - **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. - Process area: Close Calendar & Coordination - Underneath: Close status reporting; Close task assignment and tracking; Close blocker resolver; Close calendar definition - **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. - Process area: Close Execution - Underneath: Period-end accrual processing; Non-PO accrual estimator; Provision and reserve calculation; Reserve and provision analyst; FX revaluation and translation; Depreciation, amortization and lease run - **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. - Process area: Consolidation Adjustments - Underneath: Intercompany elimination posting; IC break investigator; NCI calculation and posting; Equity-method pickup; Purchase accounting adjustments - **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. - Process area: Subsidiary Reporting Collection - Underneath: Subsidiary trial balance collection; Submission data validation; Submission query agent; Mapping to consolidation structure - **External Reporting Workbench** — For the external reporting manager: what is due, whether the statements tie, what blocks certification, and which filings reached the authority. - Process area: Statutory & External Reporting - Underneath: Entity management filing obligations; Financial statement build; Footnote drafting; Disclosure checklist runner; SEC filing assembly; MD&A drafter; XBRL tagging and validation; Local statutory filing - **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. - Process area: Currency Translation - Underneath: FX rate load and validation; Foreign subsidiary translation; CTA and OCI rollforward tracking; Hyperinflation indicator tracking; Hyperinflation assessment agent - **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. - Process area: Financial Master Data Management - Underneath: GL account request governance; Cost and profit center request governance; Legal entity request governance; Master data reviewer; FX rate load; Unapproved master data change detection - **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. - Process area: Accounting Systems Administration - Underneath: Accounting interface monitoring; Interface failure triage agent; User access request management; Access review and privileged access monitoring; ERP configuration change control; Report template change control - **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. - Process area: Asset Maintenance - Underneath: Asset register data quality checks; Depreciation and amortization run; Asset transfer and reclassification; CIP tracking and rollforward; Asset impairment review; Impairment assessment analyst; Physical asset verification and reconciliation; Count break investigator - **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. - Process area: Indirect Tax Accounting - Underneath: VAT/GST reconciliation; Sales and use tax recompute and true-up; Withholding tax accounting; Economic nexus threshold monitoring; Nexus exposure advisor - **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. - Process area: Intercompany Accounting - Underneath: Intercompany transaction recording; Intercompany matching and dispute tracking; Intercompany dispute resolver; Intercompany netting and settlement posting; Transfer pricing true-up; True-up technical accounting memo writer - **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. - Process area: Journal Entry Processing - Underneath: Manual journal entry preparation; Recurring journal entry generation; Accrual and deferral entry generation; Reclassification entry processing; Journal entry approval routing; Journal entry reviewer; Sub-ledger interface posting and monitoring; Interface failure triage agent; Posted journal entry control screening - **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. - Process area: Management Reporting - Underneath: Management P&L build; Variance commentary collection; Variance investigator; Segment reporting build; KPI computation; Board package assembly; ERP GL posted journal lines - **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. - Process area: Post-Close Review - Underneath: Trial balance review; Flux variance analysis; Period locking and finalization; Close review investigator - **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. - Process area: Pre-Close Activities - Underneath: ERP sub-ledger period status; Sub-ledger cut-off and closing; Cost allocation and overhead absorption; Revenue recognition adjustment; Revenue recognition contract analyst; Inventory valuation and reserve adjustment; Reserve and provision analyst - **Reconciliation Hub** — For the reconciliation team and the controller: run, review and certify the period’s balance sheet reconciliations and clear the breaks. - Process area: General Ledger Reconciliations - Underneath: Balance sheet reconciliation and certification; Bank account reconciliation; Sub-ledger to GL reconciliation; Suspense and clearing account reconciliation; Reconciliation break investigator - **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. - Process area: Regulatory & Specialized Reporting - Underneath: Regulatory filing deadline tracker; Industry regulatory return preparation; Government statistical return filing; Regulatory return variance explainer; ESG metric validation; ESG data gap analyst - **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. - Process area: SOX & Internal Controls Management - Underneath: GRC control library; Key control execution; GRC test plan; Control testing with evidence; Control test executor; Deficiency tracking; Control deficiency triage agent; SoD conflict monitoring - **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. - Process area: Tax Compliance Support - Underneath: Tax engine compliance calendar; Tax return data extract; Transfer pricing documentation; Transfer pricing analyst; Return-to-provision true-up - **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. - Process area: Income Tax Provision - Underneath: Current tax provision; Deferred tax calculation; ETR reconciliation; Uncertain tax position assessment; Tax footnote drafting; Valuation allowance assessor; Technical accounting memo writer #### Procure-to-Pay / AP (10) - **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. - Process area: AP Accounting & Close - Underneath: AP subledger to GL reconciliation; GR/IR clearing and accrual; AP aging and DPO pack; Vendor credit recovery agent; 1099 reporting - **AP Invoice Desk** — For the AP team: every invoice from inbox to posted bill. - Process area: Invoice Receipt & Capture - Underneath: Invoice Intake Agent; Post bill to NetSuite - **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. - Process area: Invoice Receipt & Capture - Underneath: Invoice ingestion sweep; Invoice IDP extraction; Invoice validation; Duplicate invoice screen; Invoice exception investigator - **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. - Process area: Invoice Coding & Enrichment - Underneath: GL coding; Coding exception reviewer; Indirect tax determination; Non-PO invoice coding; Non-PO invoice matcher; GR/IR accrual JE - **Match Exception Desk** — For AP match specialists and buyers: why invoices failed PO and receipt matching, and the right resolution to clear each hold. - Process area: Matching & Exception - Underneath: Invoice match engine; Hold resolution; Variance resolution; Vendor statement reconciliation; Match exception investigator - **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. - Process area: Approval & Payment - Underneath: Invoice approval routing; Payment proposal builder; Pre-release payment run checks; Payment exception investigator; Bank file generation; Early payment discount run; Remittance advice and payment status; Disbursement account balances; Bank payment status reports - **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. - Process area: Requisition & Purchase Order - Underneath: Requisition approval routing; PO creation and dispatch; PO amendment; Goods receipt capture; Open PO line review; Spend compliance scan; Off-contract spend investigator - **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. - Process area: Supplier Master & Onboarding - Underneath: Supplier onboarding; Supplier master change; Bank detail verification and fraud screen; ERP open AP items (bank watch); Tax form validation; Vendor master health sweep; Vendor risk reviewer - **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. - Process area: Expense & Card Management - Underneath: T&E report audit; Expense policy check; Corporate card reconciliation; Unreported expense chaser; Expense pattern scan; Expense investigation reviewer - **Vendor Onboarding** — For procurement: new vendors checked, approved and set up in the ERP. - Process area: Supplier Master & Onboarding - Underneath: Vendor Verification Agent; Create vendor in ERP #### Order-to-Cash / AR (7) - **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. - Process area: Billing & Invoicing - Underneath: Invoice generation and issuance; Billing exception analyst; Recurring and usage billing run; ERP unbilled deliveries; Credit memo and rebill; Credit memo pattern scan; e-Invoice build and transmission - **Cash Application Workbench** — For the cash application specialist: apply every receipt to the right open invoices and clear unapplied cash quickly. - Process area: Cash Application - Underneath: Remittance ingestion; Payment-to-invoice matching; Unapplied cash resolution; Lockbox exception handler; ERP open AR items - **Collections Cockpit** — For the collections lead: what is overdue, and who has been chased. - Process area: Collections & Disputes - Underneath: AR aging snapshot; Dunning Outreach Agent - **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. - Process area: Collections & Disputes - Underneath: Collections worklist; Collections call prep agent; ERP AR open items (live); Dunning and correspondence; Deduction and dispute resolution; Deduction and dispute investigator; Promise-to-pay tracking - **Credit Desk** — For the credit manager: onboard customers, decide credit applications and watch live exposure against limits and insured cover. - Process area: Customer Master & Credit - Underneath: Customer onboarding; Credit application scoring; Credit exposure monitoring; Credit underwriter; Credit insurance cover - **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. - Process area: Order Management - Underneath: Sales order validation; Pricing and terms validation; ERP credit-blocked sales orders; Credit block review; Credit hold and order release agent; Fulfillment hand-off - **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. - Process area: AR Accounting & Analytics - Underneath: AR subledger to GL reconciliation; AR aging and DSO pack; Allowance estimate and JE; Reserve judgment analyst; Collections forecast #### Financial Planning & Analysis (6) - **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. - Process area: Budgeting - Underneath: Budget submission collection & validation; Target setting & negotiation; Budget challenge reviewer; Budget consolidation & submission; Annual budget preparation; Operating plan narrative writer - **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. - Process area: Profitability & Cost Analysis - Underneath: Product, customer and segment profitability; Margin erosion investigator; Cost and spend analysis; Savings opportunity advisor; Allocation and cost-model maintenance - **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. - Process area: Management Reporting & Analysis - Underneath: KPI and dashboard maintenance; Variance and driver analysis; Performance analyst; Management pack production; Monthly business review writer; Ad-hoc analysis and business partnering; ERP GL journal lines for variance drill-through - **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. - Process area: Planning Platform & Data - Underneath: GL-to-plan actuals tie-out; Actuals & data integration; Planning model & template maintenance; Planning data integrity steward; ERP chart of accounts, cost center and entity master - **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. - Process area: Forecasting - Underneath: Rolling forecast preparation; Driver-based forecasting; Forecast overlay reviewer; Forecast accuracy & bias analysis - **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. - Process area: Strategic & Capital Planning - Underneath: Long-range scenario & cash projection; Strategic scenario advisor; What-if & driver sensitivity; Capital request returns & ranking; Capital request reviewer; Approved capex spend tracker #### Tax Compliance (6) - **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. - Process area: Direct Tax Compliance - Underneath: Corporate income tax return preparation; Return review analyst; Estimated payments and extensions; Provision-to-return true-up; True-up variance investigator - **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. - Process area: Indirect Tax Compliance - Underneath: Transaction tax determination; ERP posted invoice tax lines; Taxability determination agent; Indirect tax return preparation and filing; E-invoicing and real-time reporting; Exemption certificate management; Economic nexus threshold monitoring; Nexus and registration advisor - **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. - Process area: Tax Data Management - Underneath: Tax-sensitized data extraction; Tax data validation and reconciliation; Tax data package assembly; Tax data exception investigator - **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. - Process area: Tax Operations - Underneath: Tax calendar and obligation tracking; Notice and correspondence management; Notice response analyst; Tax audit data support; Tax audit response agent - **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. - Process area: Transfer Pricing & Specialty - Underneath: Transfer pricing calculation and monitoring; Transfer pricing policy agent; Specialty filing assembly; Property tax appeal analyst - **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. - Process area: Withholding & Information Reporting - Underneath: Withholding tax calculation and remittance; Treaty documentation reviewer; Payee documentation readiness monitoring; Information return filing; Reportability analyst; ERP withholding liabilities and remittances #### Treasury & Cash Mgmt (6) - **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. - Process area: Bank Relationship Management - Underneath: Bank account management (BAM) & signatories; Bank fee analysis; Bank connectivity & onboarding; Bank relationship scorecard; Bank counterparty limit monitoring; Bank relationship advisor; TMS / ERP bank account master - **Cash Forecast Workbench** — For the treasury forecasting analyst: the 13-week cash forecast, what changed since last week, and where the last forecast missed. - Process area: Cash Forecasting - Underneath: Short-term cash forecasting; Forecast variance & accuracy analysis; Forecast review analyst - **Daily Liquidity Desk** — For the cash manager: today’s group cash, broken feeds, sweeps and headroom in one place. - Process area: Cash & Liquidity - Underneath: Daily cash positioning; Bank statement import & reconciliation; Cash concentration and sweeps; Short-term liquidity management; Liquidity funding advisor; Bank rec break investigator; Bank intraday balances - **Debt & Investment Monitor** — For the treasurer: facility headroom, covenant cushions, the investment portfolio against policy and the month-end entries in one view. - Process area: Debt & Investments - Underneath: Debt & borrowing administration; Interest & covenant compliance; Investment portfolio tracking; Covenant interpretation advisor; Investment breach advisor - **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. - Process area: Financial Risk Management - Underneath: FX exposure measurement; Hedge execution & designation; Hedge accounting & effectiveness testing; Interest-rate risk analysis; Hedging strategy advisor; Hedge accounting qualification reviewer - **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. - Process area: Payments & Settlement - Underneath: ERP approved payment batches; Payment fraud & sanctions screening; Held payment investigator; Treasury payment execution; Intercompany netting & settlement #### Payroll (5) - **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. - Process area: Payroll Calculation - Underneath: Gross-to-net calculation; Earnings, deductions and benefits processing; Garnishment and court-order processing; Off-cycle and retro pay processing; Gross-to-net reviewer; Garnishment order analyst - **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. - Process area: Payroll Disbursement - Underneath: Pay-run execution and funding; Payroll funding bank feed; Payment risk case reviewer; Payslip generation and distribution - **Payroll Close and Controls** — For payroll accountants and controllers: close payroll in the GL with posted journals, reconciled accounts, accruals and control evidence. - Process area: Payroll Accounting & Controls - Underneath: Payroll GL posting and allocation; Payroll reconciliation; Labor cost and accrual; Payroll audit and compliance reporting; Close exception investigator - **Payroll Input Readiness** — For the payroll manager: whether time, pay changes, new hires and terminations are complete, approved and in payroll before cutoff. - Process area: Time & Data Capture - Underneath: Timesheet status (time and attendance); Time and attendance capture; Payroll input change management; New-hire and termination payroll setup; Payroll input exception analyst - **Payroll Tax Compliance Monitor** — For the payroll tax manager: payroll taxes calculated, deposited and filed correctly and on time in every jurisdiction. - Process area: Payroll Tax - Underneath: Payroll tax calculation; Payroll tax deposits and remittances; Payroll tax filings; Payroll tax variance investigator ### Banking 39 applications modeled on the BIAN v13 service landscape. #### Lending (11) - **Corporate Credit Pipeline** — For relationship managers, credit analysts and closing officers: every corporate deal from request to funding, and what is holding it. - Process area: Origination and Closing of Corporate Loan - Underneath: Corporate loan request intake; Sanctions match disposition agent; Corporate loan underwriting; Corporate credit memo drafter; Corporate loan collateral due diligence; Corporate loan closing; Corporate loan disbursement - **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. - Process area: Modification of Corporate Loan - Underneath: Modification request intake and analysis; Corporate credit memo drafter; Refinance disbursement; Modification booking - **Loan Agency Servicing Console** — For loan agency operations: borrower payments, lender distributions, billing, participation transfers and payoffs on the syndicated loans Harbor agents. - Process area: Syndicated Loans > Syndicated Loans Servicing - Underneath: Daily receipt check; Payment deviation triage agent; Lender distribution; Instalment billing; Instalment invoice and statement; Participation transfer; Sanctions match disposition agent; Credit agreement term extractor; Register of lenders; Syndicated loan payoff and termination - **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. - Process area: Renewal of Uncollateralised Consumer Loan - Underneath: Renewal request; Renewal underwriting; Customer benefit assessor; Renewal closing; Renewal disbursement; Loan flipping pattern scan - **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. - Process area: Loan Servicing - Underneath: Borrower reporting collection; Borrower financial statement review; Covenant breach analyst; Daily payment application; Loan servicing suspense items; Unapplied cash investigator; Mortgage payoff on property sale; Investor period report; Loan to value calculation - **Mortgage Pipeline and Closing Readiness** — For mortgage processing, underwriting and closing teams: each file's stage, blockers and checks from application to funded loan. - Process area: Origination and Closing of Consumer Mortgage Loan - Underneath: Mortgage application; Mortgage processing; Loan file document reviewer; Mortgage underwriting decision; Property details and appraisal; Property tax payment check; Mortgage closing - **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. - Process area: Origination and Closing of Uncollateralised Consumer Loan - Underneath: Personal loan application; Personal loan underwriting; Personal loan referral reviewer; Personal loan closing; Personal loan disbursement; Personal loan APR and offer consistency check; Personal loan adverse action notices - **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. - Process area: Origination and Closing of Merchandising Loan - Underneath: Merchandising loan application; Merchandising loan underwriting; Title transfer preparation; Merchandising loan closing; Dealer payout; Dealer performance reviewer; Merchandising loan repayment history - **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. - Process area: Modification of Merchandising Loan - Underneath: Merchandising loan change request; Hardship assessor; Merchandising loan change booking - **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. - Process area: Securitization - Underneath: Securitisation loan selection; Securitisation structuring and sale; Securitisation placement preparation; Servicing investor onboarding; Sanctions match disposition agent; Post-sale eligibility monitor - **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. - Process area: Syndicated Loans > Syndicated Loans Origination and Set Up - Underneath: Syndication request intake; Sanctions match disposition agent; Syndicated loan underwriting; Mandate and term sheet management; Credit agreement term extractor; Pledgeable asset security file; Collateral pool allocation; Drawdown disbursement #### Corporate Banking Products (8) - **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. - Process area: Corporate Current Accounts Management - Underneath: Corporate account opening; Corporate account closure; Related party addition; Bank-initiated account block; Core block register; Daily dormancy scan; Combined statement builder; Corporate servicing request interpreter - **Credit Facilities Pipeline** — For the corporate credit team: take facility requests from intake to a booked limit, then watch utilisation, covenants and annual reviews. - Process area: Credit Facilties Management - Underneath: Credit facility application; Connected exposure rollup; Facility utilisation monitor; Covenant compliance test; Credit memo drafter; Covenant breach analyst - **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. - Process area: Direct Debits Service Management - Underneath: Creditor-side mandate registration; Debtor-side B2B mandate registration; Debtor-side B2B amendment; Creditor-side mandate copy request; Creditor onboarding; B2B service termination; Creditor return-rate monitor; Creditor return-risk reviewer - **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. - Process area: Sweeps and Pooling Management - Underneath: Cash concentration structure definitions; Daily sweep and pool reconciliation; Physical sweep set-up; ICL sweep set-up and loan tracking; Notional pool set-up; Sweep sequence change; Sweep termination; Sweep structure advisor - **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. - Process area: Corporate Payroll Services - Underneath: Corporate payroll service agreements; Payroll agreement set-up; Bulk salary account opening; Payroll file exception investigator; Salary package leaver reconciliation; Salary account detachment - **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. - Process area: Standing Orders Management - Underneath: Corporate standing order set-up; Corporate standing order cancellation; Corporate standing order reconnection; Corporate closure standing order wind-down; Retail closure standing order wind-down; Standing order execution failure monitor; Standing order fraud alert triager - **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. - Process area: Trade Finance (unfiled in BIAN navigation) - Underneath: Import presentation examination; Export presentation examination; Documentary credit examiner; Import LC request; Import LC underwriting; Bank guarantee underwriting; Trade expiry and contingent liability monitor; Guarantee claims register; Export compliance reviewer - **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. - Process area: Virtual Accounts Management - Underneath: Core banking virtual account register; Limit system master overdraft facilities; Bulk virtual account opening; Single virtual account opening; Virtual account overdraft carve-out; Virtual account ownership change; Virtual account closure; Virtual-to-master balance reconciliation; Unapplied credit and break investigator #### Payments (5) - **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. - Process area: Buy Now Pay Later - Underneath: BNPL light underwriting; BNPL financing for existing customers; BNPL financing with external data; BNPL portfolio performance and merchant monitoring; BNPL decision reviewer; BNPL fraud alert triager - **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. - Process area: Cash Payments - Underneath: Savings cash withdrawal at the counter; Teller cash reconciliation at branch close; Large cash aggregation and CTR filing; Transaction surveillance agent - **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. - Process area: Credit Transfers - Underneath: Outgoing credit transfer; Outgoing FCY credit transfer via SWIFT; Internal transfer with second-line authorisation; Corporate internal credit transfer; Sanctions hit disposition reviewer; Payment fraud hold triager; Payment hub and gpi status - **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. - Process area: Direct Debits - Underneath: Incoming direct debit processing at debtor bank; Unauthorised debit claim intake; Unauthorised debit claim closure; Mandate evidence reviewer; Outgoing creditor collections; R-transaction processing at creditor bank; Creditor return-rate monitor; Creditor return risk analyst - **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. - Process area: Request to Pay - Underneath: Incoming request to pay handling; Deferred request to pay payment; Outgoing request to pay; RTP gateway payer status; Incoming payment to request matching; Sanctions hit disposition reviewer; Unmatched request payment investigator #### Retail Banking and Consumer (5) - **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. - Process area: Bookings and Interest Management - Underneath: Current account interest accrual; Savings account interest accrual; Credit booking; Debit booking; Available balance determination; Accrued interest subledger to GL reconciliation; Accrual exception investigator; Open authorisation blocks - **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. - Process area: Term Deposit Management - Underneath: Corporate term deposit book and framework limits; Corporate deposit booking; Early break; Early renewal; Settlement account switch; Framework agreement set-up; Agreement condition change; Deposit pricing and approval control check; Deposit pricing exception reviewer - **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. - Process area: Current Accounts Management - Underneath: Retail current account opening; Digital additional account opening; Account opening file reviewer; Sanctions match disposition agent; Current account closure; Account statement generation; Self-service statement and balances; New account velocity monitor - **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. - Process area: Term Deposits Management - Underneath: Retail term deposit maturity processing; Retail term deposit early closure; Retail term deposit early renewal; Retail term deposit placement; Retail term deposit agreement opening; Retail term deposit agreement condition change; Retail term deposit rate card compliance check; Rate and waiver deviation reviewer; Early-withdrawal penalty explainer - **Savings Account Operations Hub** — For savings operations: open, close and change signatories on savings accounts, and track dormant balances before they become unclaimed. - Process area: Savings Accounts Management - Underneath: Savings account opening; Savings account closure; Add signatory to savings account; Sanctions match disposition agent; Dormant savings balance scan #### Card Products (3) - **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. - Process area: Customer Billing - Underneath: Card billing cycle run; Card delinquency review; Delinquency treatment reviewer; Card collection handover; Collection case periodic review; Card direct debit repayments - **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. - Process area: Card Transactions - Underneath: Issuer chargeback; Acquirer chargeback; Retrieval request fulfilment; Chargeback evidence analyst; Card network dispute cases; Card account dispute adjustment; Balance transfer - **Card Lifecycle Operations** — For card operations managers: follow renewal, replacement, block, activation and new-card runs, and every card from order to activation. - Process area: Card Issuance and Management - Underneath: Card renewal; Renewal hold reviewer; Card replacement; Card block; Card activation; New card set-up; Card prospect management; Card ATO alert triager; Card status (card management system) #### Bank Relations (2) - **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. - Process area: Customer Onboarding and Verification - Underneath: Corporate onboarding initiation; Customer due diligence assessment; Regulatory KYC analysis; Tax and investor classification; Corporate customer verification; Customer update completion verification; Sanctions hit disposition reviewer; KYC file reviewer; Customer master review dates - **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. - Process area: Customer Relationship Management - Underneath: CRM client book; Relationship development planning; Client health signal scoring; Relationship health advisor; Power of attorney registration; Corporate signatory addition; Sanctions hit disposition reviewer; Fee complaint case; Internal upsell campaign #### Business Development (1) - **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. - Process area: Business Development (general) - Underneath: Segment performance scorecard; External campaign portfolio analysis; Internal campaign uplift analysis; Product portfolio review; Competitor position analysis; Behaviour model monitoring; Growth KPI movement check; Business development review drafter #### Channels (1) - **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. - Process area: Channels (general) - Underneath: ATM float and outage review; Branch cash distribution; Contact centre staffing rebalance; Branch performance review; New product contact review; Digital channel usage review; Channel friction analyst #### Corporate Finance (1) - **Commercial Paper Desk** — For CP desk originators, ALM and middle office: programme usage, issuances in flight, the maturity ladder and rollover risk. - Process area: Corporate Finance (general) - Underneath: CP programme and maturity monitor; CP issuance; CP pricing and placement analyst #### Product and Price (1) - **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. - Process area: Product and Price (general) - Underneath: Operational product change; New product creation; Single sales product creation; Sales product launch; Current account product phase-out; Product governance reviewer; Regulatory change analyst #### Wealth (1) - **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. - Process area: Wealth (general) - Underneath: PMS portfolios; CRM wealth client profiles; Wealth performance review; Wealth portfolio rebalancing; Goal-based investment plan; Wealth product selection; Suitability justification reviewer; Private banking upgrade ## Frequently asked questions ### 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. ### 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. Empirically, open any tile’s inspect view, which shows the population and every record’s contribution. ### So is this hallucination-proof? No, and we will not use that phrase. A model can misread an invoice, misclassify a transaction, or draft something unwise. What is true is narrower: a hallucinated number cannot reach a tile, because tiles do not render model output. The numbers are computed, not generated. ### Can I really use these before connecting anything? Yes. 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. The screens shown on this page are those applications running on that sample data. ### 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. ### How does this relate to AI Employees and Context Graphs? An application is the surface a team works in. The AI employees (https://www.kognitos.com/ai-employees/) are the roles that work the queues inside it, and the context graph (https://www.kognitos.com/platform/context-graph/) is the memory they read the business from. ### Is the AI deterministic? No. Frontier language models are not bitwise deterministic even at temperature zero. The parts which must be exact are exact because they are not models: arithmetic, filters, tolerances, routing and the audit record are all symbolic. --- Catalog figures are counted from the shipping catalog. Every application screen on the page is the application itself, captured from the product running on sample data; the figures in those screens are sample data, not any customer’s. Claims marked with a dagger on the page are pending sign-off in the claims register.