Decision Workspace — ARCHAI Financial Decision Intelligence™

ARCHAI Financial Decision Intelligence™

Interactive Representative WorkspaceRepresentative Demo — No Client Data

BOARD PUBLICATION BLOCKED

Evidence E-08 is stale and predates the July feature-set change. Reason-code coverage must be retested before this dossier can be submitted to the board.

No AI agent can remove or approve this exception. Human authority is required.

Representative banking scenario. All organizations, people, figures and events are synthetic and provided solely to demonstrate the platform.

Overview

DEC-2026-0417

AI-Assisted Credit Decisioning for Retail Lending

Decision Owner

A. Marsh, Chief Financial Officer

Decision Mandate

Executive Committee recommends; Board Risk Committee holds final approval authority.

Executive Summary

Replace manual adjudication of retail credit applications with an AI-assisted decisioning platform, reducing per-application cost from $41.20 while maintaining regulatory reason-code compliance under ECOA/Reg B.

Options Considered

Continue manual adjudication (do-nothing case).
Build proprietary decisioning model in-house (24–36 month timeline, rejected for time-to-value).
Licence third-party AI-assisted decisioning platform (recommended).

Recommendation

Approve five-year vendor licence for AI-assisted credit decisioning, contingent on satisfying all conditions precedent.

Materiality

$38.7M

Deadline

Board submission window closes 2026-10-15

Decision Rights

Executive Committee recommends; Board Risk Committee holds final approval authority.

Approval Gates

CFO, CRO, CCO, CTO, and Board Risk Committee.

Decision Readiness

72%