Inception55

/ Financial Services /

Data Intelligence for Modern Financial Services

Financial services firms face increasing fraud, complex regulations, demanding customers, and intense competition. Inception55 helps you manage risk, ensure compliance, and deliver exceptional customer experiences.

We unify customer, transaction, risk, and market data so you can detect fraud faster, streamline compliance, and personalize every interaction.

Background

/ common challenges /

Common Challenges

▸
Fraudulent transactions that bypass rules-based systems
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Growing regulatory compliance requirements
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Fragmented risk data across credit, market, and operations
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Poor customer experience due to siloed data
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Manual portfolio monitoring and limited insight into concentration risk
Background

/ how inception55 helps /

How Inception55 Helps

Fraud Detection & Prevention

Monitor transactions in real-time with AI models that detect patterns rules-based systems miss, reduce false positives, and investigate suspicious activity faster.

Risk Management

Provide a unified view of credit, market, and operational risk with real-time exposure dashboards, stress testing, scenario analysis, and concentration-risk monitoring.

Regulatory Compliance

Automate data collection for regulatory reports, streamline BSA/AML monitoring, power KYC workflows, generate SARs, and reduce compliance costs by 40%+.

Customer 360 View

Unify customer profiles, transaction history, and interactions to power next-best-action recommendations, personalization, and churn prediction.

Portfolio Management

Track portfolio performance in real-time, run attribution and scenario analysis, trigger rebalancing alerts, and integrate market data for informed decisions.
Background

/ use cases /

Use Cases

1

Credit Card Fraud Detection

⚠
Before Inception55
  • ▸
    Rule-based fraud system with 40% false positive rate
  • ▸
    Legitimate transactions declined, frustrating customers
  • ▸
    Fraudulent transactions costing $2M annually
  • ▸
    Manual review team overwhelmed with alerts
  • ▸
    Average detection time: 2–3 days
✓
After Inception55
  • ▸
    AI models analyze transaction patterns in real-time
  • ▸
    False positives reduced to 12%
  • ▸
    95% of fraud caught within 2 hours
📈
Impact
  • ▸
    Annual fraud losses down to $600K
  • ▸
    Customer satisfaction improved 28%
2

Regulatory Compliance Automation

⚠
Before Inception55
  • ▸
    Quarterly reports required 120+ hours
  • ▸
    Data manually extracted from 12 systems
  • ▸
    High risk of errors and inconsistencies
  • ▸
    Compliance team focused on data collection
  • ▸
    Audit preparation took 3 weeks
✓
After Inception55
  • ▸
    Automated data collection from all systems
  • ▸
    Reports generated in 4 hours instead of 120
  • ▸
    Built-in validation catches errors before submission
📈
Impact
  • ▸
    Compliance team refocused on strategic work
  • ▸
    Audit preparation now takes 3 days
  • ▸
    Zero regulatory findings in 18 months
3

Commercial Loan Underwriting

⚠
Before Inception55
  • ▸
    Underwriting process took 15–20 days
  • ▸
    Credit decisions based on incomplete information
  • ▸
    Loan officers gathered data manually
  • ▸
    Default rate: 2.8% (above 2.0% target)
✓
After Inception55
  • ▸
    All customer and market data unified in one view
  • ▸
    AI pre-screens applications and highlights risks
  • ▸
    Automated financial spreading from tax returns and statements
  • ▸
    Industry benchmarks integrated automatically
📈
Impact
  • ▸
    Underwriting time reduced to 5–7 days
  • ▸
    Default rate reduced to 1.6%
  • ▸
    Customer satisfaction scores up 35%
Background

/ systems we connect /

Systems We Connect

▸
Core Banking Platforms: FIS, Fiserv, Jack Henry, Temenos, Finastra, Oracle FLEXCUBE
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Loan Origination Systems: nCino, Encompass, Calyx Point, LendingQB
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CRM Systems: Salesforce Financial Services Cloud, Microsoft Dynamics, Velocify
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Risk & Compliance: FICO, SAS Risk Management, Moody's Analytics, Experian
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Trading & Investment: Bloomberg Terminal, FactSet, Charles River, Advent Geneva
▸
Payment Processing: TSYS, First Data, Stripe, PayPal
▸
Fraud Detection: FICO Falcon, SAS Fraud Management, ACI ReD Shield

/ customer success /

Regional Business Bank

$28M revenue bank specializing in commercial lending with $800M in assets
⚠

Challenges

  • ▸
    Fraud losses averaging $150K monthly
  • ▸
    Regulatory reporting consumed 25% of compliance staff capacity
  • ▸
    Commercial loan underwriting averaged 18 days
  • ▸
    Customer complaint rate above peer average
  • ▸
    Limited cross-sell ability due to siloed data
✓

Solution

  • ▸
    Deployed Inception55 Nexus and Lumina
  • ▸
    Real-time fraud detection across all channels
  • ▸
    Automated regulatory reporting and compliance monitoring
  • ▸
    Streamlined commercial loan underwriting
  • ▸
    Unified customer intelligence platform
📈

Results

  • ▸
    Fraud losses reduced by 72% to $42K monthly
  • ▸
    Regulatory reporting time cut by 80%
  • ▸
    Loan underwriting cycle reduced to 6 days
  • ▸
    Customer satisfaction scores improved 40%
  • ▸
    Cross-sell conversion rate increased 3x
📊

Metrics

  • ▸
    Net income improved $1.9M annually
  • ▸
    ROI: 340%
"
The AI fraud detection alone paid for itself in the first two months. The real game-changer was finally having a complete view of our customers.
— Robert Chen, President & CEO

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