Optimize deposits, grow loan portfolios, and manage risk with Predict360, the banking-native solution trusted by US financial services organizations for 13 years.
TRUSTED BY 190+ BANKS, CREDIT UNIONS, AND FINANCIAL ORGANIZATIONS
GROW. PROTECT. COMPLY.
Pinpoint deposits you’re about to lose to competitors. Identify underserved markets and lending opportunities within regulatory parameters. All evaluated against your strategic risk appetite and regulatory obligations.
Explore growth solutionsUnify risk and control assessments, real-time risk intelligence, and third-party oversight into a single, AI-powered fabric that continuously surfaces what’s operating outside tolerance and why.
Explore risk solutionsAutomate HMDA and Fair Lending testing, regulatory monitoring, marketing ad reviews, and exam prep so your team can manage compliance instead of executing every step by hand.
Explore compliance solutionsMEET ASK KAIA · BANKING-NATIVE AGENTS
Whether within Predict360 or as a standalone app, Ask Kaia delivers agent-based workflows with the same approvals, audit trail, and evidence your examiners expect.
Protects fintech partnerships as revenue generators vs strategic risk liabilities. For all third parties, automates OCC, FDIC, and FRB end-to-end lifecycle management data analysis and decisioning.
Identify at-risk deposit outflows so you can take action before a loss, with competitive rate intelligence and at-risk segment scoring.
Find the retail and commercial lending markets your peers are winning, and you aren’t. Perform fair-lending compliance testing at the beginning of the process, rather than a historical review.
MEET TODAY’S PREDICT360
Machine learning and NLP came first, then AI automation, and now a semantic data layer that delivers agent-based workflows. Whether you choose our agents or build in-house using our data sources, each underlying dataset includes the regulatory context and audit trails examiners expect.
Obligations, controls, policies, issues, and exams for 90+ financial institutions, plus 13 years of BFSI regulatory source material.
Regulatory change management expanded into full compliance and risk management — obligations mapped to controls, testing, issues, findings, and exam prep.
Risk and controls identification, regulatory monitoring, continuing testing, marketing review, automated by AI agents, but running inside Predict360.
Kaia became available as a standalone solution — no platform purchase required. Institutions can start with a single agent.
One platform: Every Kaia agent is an application on the same foundation — the same ontology, knowledge graph, reasoning layer, and governance.
Banks partnering with two fintechs see alert volumes climb from 200 to 30,000
per month. Our Partner Risk Intelligence agent handles the intelligence.
INDUSTRIES WE SERVE
“We selected Predict360 due to its ease of use, banking industry design, and endorsement by the American Banker’s Association.”
“We look forward to working with 360factors to advance our enterprise risk and compliance programs for the bank while increasing the products and services we offer to the community.”
190+ banks and credit unions · ABA Premier Partner
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