FAQ: AI, data and banking secrecy
The questions business departments, IT, compliance and procurement ask us.
Business teams
What does BRAIU do?
BRAIU turns the transactions of a retail bank's customers into indicators and predictions for the whole bank: BRAIU OS for marketing, BRAIU Advisor for the branch network, BRAIU API for the bank's customers and its tools. All three solutions predict and offer an assistant that answers in plain language.
Churn and next best offer: discover BRAIU OSThe AI tool for advisers: discover BRAIU AdvisorWhite-label PFM: discover BRAIU APIDirect link
Is BRAIU already in production at a bank?
Not yet. BRAIU is ready to start scoping a pilot: the security prerequisites (encryption, dedicated drop area, backups, penetration test) are delivered and verified before any real data is loaded.
Are the figures produced by generative AI?
Not the ones shown on screen: amounts and indicators are calculated by rules, predictions by statistical models. Generative AI writes the assistants' answers. In the customer assistant and the OS assistant, an automatic check verifies that the amounts quoted come from these calculations; this check is being strengthened. The Advisor copilot does not have this check yet: its outlooks carry a confidence level (reliable, medium, insufficient).
Does BRAIU contact the bank's customers?
No. BRAIU informs your teams, who decide. In your app, information and figures to guide customers appear under your brand, with the customer's consent. BRAIU never contacts your customers: you keep the relationship, the brand and the channel.
Does marketing see the data of an individual customer?
On screen, OS only shows groups of at least 50 customers. To launch a campaign, an authorised profile exports the list of customers concerned to your tools; every export is logged.
Does BRAIU push credit to customers in difficulty?
BRAIU neither promises nor grants credit. On Banque Huit, our demo bank, the OS assistant suggested favouring a support message rather than a credit offer for overdrawn customers, in coordination with the risk department. In Advisor, budget difficulties are flagged so the customer can be supported. Detecting financial vulnerability and the dedicated offer are handled by your own systems; BRAIU does not replace them.
Churn and next best offer: discover BRAIU OSThe AI tool for advisers: discover BRAIU AdvisorDirect link
CIO and CISO
How does BRAIU integrate with the information system?
Without touching the core banking system. Your data team extracts three files (customers, accounts, transactions), a first full load then updates. The API connects BRAIU to your tools; its documentation (OpenAPI) is being updated. Advisor can be opened from your CRM through a direct link to the customer record.
White-label PFM: discover BRAIU APIDetails on the Technical pageDirect link
Where is the data hosted?
Hosting in the European Union is planned for production; no production environment is deployed to date. No data from your bank is processed before hosting, the model provider and sub-processors have been validated with your CISO and your DPO.
Compliance
What about banking secrecy?
The pilot contract will include a banking secrecy clause binding our teams. Your data will only be loaded once your teams have validated this framework.
Is BRAIU an anti-money laundering and counter-terrorist financing (AML/CFT) tool?
No. BRAIU is not an AML/CFT tool and does not replace one: your due diligence systems alone handle these matters. The atypical transactions Advisor shows the adviser are to be checked with the customer; this is not an AML/CFT system.
MiFID II / IDD: who carries the duty to advise?
The bank and its adviser. BRAIU prepares input for the advice (the customer's situation, plans, questions to ask); the duty to advise and the suitability assessment remain with the bank and its adviser. Before any investment, the Advisor assistant reminds the adviser to collect the investor profile.
Should the works council (CSE) be informed about Advisor?
Informing and consulting the works council is the bank's responsibility, as the employer. Advisor helps the adviser prepare meetings; in Advanced mode, writing assistance suggests wording while the adviser writes. We will provide a description of the tool for this process.
GDPR, AI Act, DORA: where do you stand?
We present our compliance roadmap to your CISO and your DPO from the first conversation. The status of each item (processing agreement, impact assessment, AI Act qualification, business continuity plan) is on the Technical page.
Procurement
How much does BRAIU cost?
We present the price in a meeting, once the use case is framed. The pilot is covered by a dedicated proposal.
How do we get started?
With a 30-minute demo on Banque Huit, our demo bank. Then, once the legal and security framework is validated, an 8-week pilot on one use case, with indicators tracked every week.
Another question? Write to us: contact@braiu.com
30 minutes to see what BRAIU can do for your bank.
Describe your context and the use case to test. We show you the three solutions on Banque Huit, our demo bank.
What happens next
- We reply by email within two business days.
- You choose a slot.
- 30-minute demo.
During these 30 minutes: OS, Advisor and the customer app on Banque Huit, our demo bank with fictitious data, then your questions on integration and security.