BankersGoverned skills
Each IQskill defines required inputs, tools and API resources, calculations, validation rules, output schemas, and prohibited actions. Skills can compose other skills.
A concept taking shape
Banking intelligence.
Beyond a single model.
Your AI knows language. BankersIQ gives it a defined way to do banking work—with your institution’s context, governed methods, and a pathway you can inspect.
Explore the approachModel-independent by design. Institution-specific in practice.
THE INTELLIGENCE LAYER
More than a prompt.
A specification for the work.
BankersIQ is a proposed portable pack of banking knowledge and executable methods. It separates how an AI communicates from how banking analysis is performed.
Institution intelligence
Your institution supplies its policies, methodologies, assumptions, and data mappings—such as what “Class 11” means or how accounts form a relationship. Credentials stay in a secure configuration.
Deterministic execution
Versioned libraries perform defined calculations. Given the same inputs, configuration, and library version, they produce the same results. Missing inputs trigger a defined stop or an explicit, permitted assumption.
Auditable pathways
A runtime records the skill version, data sources, assumptions, checks, and outputs. Reviewers can trace how a result was produced and where human approval was required.
FROM CONCEPT TO PRACTICE
“How profitable is
this relationship?”
A useful answer needs more than a confident explanation. It needs the right definition, the bank’s methodology, and reliable execution.
- Start with a banking skill
Identify revenue, funding transfer pricing (FTP), credit cost, and servicing cost as required components.
- Apply the institution’s meaning
Use the bank’s approved FTP method and its rules for grouping accounts into a relationship.
- Calculate, validate, and explain
Run the defined library, check completeness, and return results with sources, assumptions, and any unresolved gaps.
The model can change.
The banking method should remain explicit.
Compatible models would connect through adapters to a shared specification and runtime. Portability requires integration and testing; written instructions alone cannot enforce execution or guarantee compliance. BankersIQ is a development concept, and we’re gathering perspectives before building it out.
HELP SHAPE WHAT COMES NEXT
Does this have
a place in banking?
Three questions. Your perspective will help us understand what is distinctive, what is useful, and what deserves further exploration.
We store your answers locally on this website’s server and send a notification through our email provider to the BankersIQ team. An email address is collected only if you opt in to updates. Please don’t include customer information or confidential bank data.