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Banking verified Verified Outcome TRL 9

Proactive Fee Avoidance Alerts

domain Client: US Regional Bank handshake Provider: Internal (Proprietary) schedule Deploy: Legacy-Present
89 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

The bank developed a proprietary digital alert system ('The Hub') that gives customers a 24-hour grace period to cure overdrafts, powered by real-time transaction processing.

rate_review Analyst Verdict

"A pioneer in 'fair banking' features. While not bleeding-edge AI, the architectural ability to process transactions in real-time and trigger conditional alerts laid the groundwork for modern digital trust."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Customer satisfaction was suffering due to punitive overdraft fees, a common industry pain point. The bank identified that many overdrafts were accidental and that penalizing them eroded long-term customer loyalty and trust, despite generating short-term fee revenue.

psychology The Solution

The institution re-architected its deposit processing to introduce a '24-hour grace' feature. The system detects when an account goes negative and triggers an immediate push notification or text, giving the customer until midnight the next day to deposit funds and avoid the fee. This required real-time integration between the core ledger and the notification engine.

settings_suggest Technical & Deployment Specs

Integrations
Core Banking
Deployment Model
On-prem
Data Classification
PII
Estimated TCO / ROI
Low
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Revenue Impact Medium Volume growth offset

trending_up Impact Trajectory

Audited value realization curve

Consistently high NPS rankings Verified Outcome
Primary KPIMillions in fees waived/avoided
Audit CycleHigher customer retention rates

policy Compliance & Gov

  • Standards: Consumer Protection
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: PII

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for US Regional Bank without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-401
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-401

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