Incedo Lighthouse for Banking Find the banking problems that matter before they become losses

Incedo Lighthouse brings AI-native decision intelligence to Retail Banking & Cards, Collections, and Asset & Wealth Management. It standardizes KPI context, continuously detects meaningful shifts, explains what is driving them, and lets business users follow up in context before moving to action.
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See Lighthouse in action
  • Standardized metric context
  • ML-based KPI diagnostics
  • Context-aware follow-ups
Illustrative Executive Decision Brief
Emerging signal detected Top-of-wallet usage is falling Cards portfolio, 4-week trend
DecliningSpend per active trend
2 cohortsDriving repeat-use decline
HighIntervention priority
01 Root causeDigital-wallet provisioning stalled after onboarding for recently activated cardholders.
02 At-risk cohortNew-to-bank customers, 30 to 60 days since activation, low recurring-payment capture.
03 Recommended actionLaunch a wallet-provisioning and recurring-payment journey for the affected cohort.Owner: Head of Cards Business

Why banking needs better decision intelligence Five decision frictions keep banking teams from acting while there is still time

Incedo LighthouseTM addresses each one directly, from metric consistency and KPI diagnosis to contextual follow-ups and accountable action.
Business challenge How Lighthouse helps
Challenge 01

Too many dashboards, no connected picture

Connected decision view

Brings related KPIs, customer or advisor cohorts and business signals into one decision context.

Challenge 02

Multiple versions of the same metric make it hard to know what is right for the question

Standardized metric context

Aligns metric definitions, KPI relationships and business context so teams work from the same measure.

Challenge 03

Insights arrive after the action window has closed

Continuous KPI monitoring

Surfaces meaningful KPI movements and emerging issues earlier, before the next review cycle.

Challenge 04,

I get the what, never the why

ML-based diagnostics of KPI movement

Explains why a KPI moved and isolates the driver, segment or cohort behind the change.

Challenge 05,

Every follow-up question becomes a multi-week project

Context-aware conversational follow-ups

Lets business users ask the next question in context and continue the investigation without restarting the analysis.

Leaders who own the outcome

Built for

  • Retail Banking & Cards

    Head of Retail Banking / Lending Head of Cards Business Marketing & Growth Leaders

  • Collections

    Head of Collections Collections Strategy Leaders Product / Portfolio P&L Leaders

  • Asset & Wealth Management

    Wealth / AWM COO Head of Advisor Platform

Priority Banking use cases Built around the decisions that move growth, customer value and asset retention

Six focused use cases across Retail Banking & Cards, Collections, and Asset & Wealth Management.

Retail Banking, Cards & Collections

Grow customer relationships, improve funnel conversion, increase customer value and intervene earlier in collections.

Customer Growth - Cross-Sell

Customer Growth
Identify which existing customers have the strongest need for another product and which proposition is most relevant to them.
Business outcomeHigher product penetration and more productive growth from existing relationships.
Cross-sell conversionProduct penetrationOffer response
What Lighthouse reveals
  • Which customer cohorts show the strongest next-product need.
  • Which propositions work by segment and channel.
  • Where current cross-sell activity is creating volume without value.

Marketing Funnel Optimization

Marketing effectiveness
See where customers drop between offer, application and booked account, and isolate the segment or channel driving the leakage.
Business outcomeHigher funnel conversion and better acquisition efficiency.
Look-to-Apply Application-to-bookCost per booked account
What Lighthouse reveals
  • Where the funnel is weakening by channel, segment or proposition.
  • Whether the issue is response, application completion or booking.
  • Which changes are most likely to improve conversion.

Revenue Growth - Increase Customer Value

Revenue growth
Identify the behaviors and cohorts that separate high-value primary relationships from low-engagement customers.
Business outcomeHigher engagement, utilization and relationship value.
Spend / usageProducts per customerShare of wallet
What Lighthouse reveals
  • Where engagement stalls after acquisition or activation.
  • Which customer cohorts are shifting activity elsewhere.
  • Which actions can deepen the relationship before value erodes.

Collection Efficiency - Reduce Charge-Offs

Collections efficiency
Detect early stress, understand which treatments work for which customers, and prioritize interventions where they can change the outcome.
Business outcomeLower charge-offs and stronger cure performance.
Charge-off rate Cure rateRight-party contact
What Lighthouse reveals
  • Which accounts show stress before delinquency worsens.
  • Which treatment performs best for each cohort.
  • Where collections effort is being spent without changing outcomes.

Asset & Wealth Management

Protect advisor relationships and understand what is really driving asset growth or outflows.

Advisor Churn Prevention

Advisor retention
Detect production and behavioral changes that may precede advisor departure and identify the books and assets at risk.
Business outcomeHigher advisor retention and stronger continuity of client assets.
Advisor attrition riskBook retainedAUM at risk
What Lighthouse reveals
  • Production drift relative to comparable advisors.
  • Pre-departure behavioral signals.
  • Which client books require proactive retention action.

AUM Growth

Asset growth
Separate organic asset growth from market movement and diagnose what is driving inflows, outflows and client asset retention.
Business outcomeStronger organic AUM growth and earlier intervention on assets at risk.
Gross inflowsGross outflowsNet New Assets
What Lighthouse reveals
  • Which advisor, office or channel is driving the change.
  • Whether outflows are structural or preventable.
  • Where the next growth or retention opportunity sits.

How Lighthouse solves it From metric consistency to action. One connected decision loop.

Incedo LighthouseTM connects standardized metrics, continuous monitoring, ML-based diagnostics and context-aware follow-ups so business users can move from question to action without restarting the analysis.
Illustrative banking use-case demo 04:18
Retail Lending / Cards / Executive brief
Critical business movementActivation is stable, but repeat usage is falling in two high-value cohorts.
HighIntervention priority
Root causeDigital wallet and recurring-payment setup did not follow activation.
Recommended actionTarget affected cohorts with a wallet-setup and recurring-payment journey. Owner assigned.
  • 1
    Standardize

    Align metric definitions, KPI relationships and business context.

  • 2
    Detect

    Surface meaningful KPI movements and emerging issues continuously.

  • 3
    Diagnose & Predict

    Use ML to isolate drivers and cohorts and assess what happens next.

  • 4
    Explore

    Ask context-aware follow-up questions without restarting the investigation.

  • 5
    Recommend & Track

    Turn findings into owned actions and measure the outcome.

Why Lighthouse for Banking Decision intelligence designed for how banking teams actually work

  • Higher network reliability

    Brings consistent metric definitions and KPI relationships into the decision so teams are not debating which number is right.

  • ML-based diagnostics of KPI movement

    Explains why a KPI changed and isolates the driver, segment or cohort behind the movement.

  • Context-aware conversational follow-ups

    Lets leaders ask the next question in the context of the same investigation instead of launching another analysis project.

  • Continuous problem discovery

    Monitors important signals continuously so emerging issues can surface before the next scheduled review.

  • Works with your existing stack

    Sits above existing data, BI and operating systems rather than requiring a core-platform replacement.

  • Turns diagnosis into accountable action

    Connects the finding to a recommended intervention, clear ownership and outcome tracking.

Explainable, controlled and ready to stand up to scrutiny.

Trusted for high-stakes decisions
  • Source traceability

    Each diagnosis can link back to the supporting data, document or business signal.

  • Access and privacy controls

    Role-based access and sensitive-data safeguards align use to business responsibility.

  • Quality gates and human review

    Confidence thresholds can route lower-confidence or judgment-heavy cases to an expert.

  • Audit and observability

    Platform activity, findings and recommendations can be logged for review.

Proven impact Decision intelligence already delivering banking outcomes

Selected Incedo Lighthouse engagements demonstrate measurable results across digital sales, collections, regulatory risk reporting and high-risk account remediation.
Increase in digital sales Regional bank in the Americas, over a six-month period.
0 X
Decrease in dollar write-offs Cards and personal-loan portfolios at a Fortune 500 US bank.
0 %
Efficiency gains Regulatory risk reporting at a bank in the US.
0 %
High-risk exposure closed per month Top-tier US bank, reported since December 2023.
$ 0 M+

Buyer questions What banking leaders want to know

A focused set of buyer questions covering fit, integration, trust and the best place to start.
How is Lighthouse different from Power BI, Tableau or their AI copilots?
BI platforms are primarily designed to report and visualize what happened. Their copilots make it easier to create charts, queries and summaries. Lighthouse extends the decision chain by continuously discovering problems, diagnosing why a banking KPI moved, forecasting what may happen next and recommending what the business should do. It complements existing BI investments rather than replacing them.
Why use Lighthouse if we already have general-purpose AI and a Data & AI team?
A general-purpose model does not inherently understand your bank, its live KPIs, historical performance or causal business relationships. Your Data & AI team builds models, pipelines and analytical assets. Lighthouse brings those elements together for business users, grounding AI reasoning in banking context and turning analysis into decision-ready recommendations with clear ownership.
What banking use case should we start with?
Start with a high-value KPI where the issue is currently discovered or diagnosed too late. The initial Lighthouse for Banking proposition focuses on Customer Growth – Cross-Sell, Marketing Funnel Optimization, Revenue Growth – Increase Customer Value, Collection Efficiency – Reduce Charge-Offs, Advisor Churn Prevention and AUM Growth.
Does Lighthouse replace our existing banking, data or BI platforms?
No. Lighthouse works with an existing enterprise-data foundation. It connects to databases, cloud warehouses, APIs, KPI feeds and business systems, providing a decision-intelligence layer above the bank’s current core, channel, risk and analytics environments.
How are insights validated and made auditable?
Diagnoses can be traced to the supporting data, document or signal. Outputs can be evaluated against quality and confidence thresholds, with human review for lower-confidence or judgment-heavy cases. Findings, recommendations and actions can also be logged to support reproducibility and review.
How do we get started without a large transformation program?

Start with one priority problem and define the KPI, decision owner, current intervention process and success measure. Connect only the data needed for that use case, validate the diagnosis and action workflow, and then expand to adjacent priorities. Lighthouse is designed to sit above existing systems, so the initial motion does not require a core replacement.

See Lighthouse for Banking in action Find the problem your bank is currently finding too late.

Start with one high-value decision across customer growth, marketing effectiveness, collections or wealth. See how Incedo LighthouseTM connects the metric, diagnosis, follow-up questions and action in one decision flow.

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