Empowering FinTech Growth Through AI-Powered Risk, Compliance, and Data-Driven Insights
FinTech companies operate at the intersection of innovation, speed, and regulation — where success depends on managing risk, ensuring compliance, and making data-driven decisions. 360factors’ suite of intelligent platforms helps FinTechs scale responsibly and stay ahead of evolving regulations, while optimizing performance and customer trust.
With Predict360 and Lumify360, FinTech leaders can transform their operations from reactive to proactive:
- Stay Compliant with Confidence: Automate regulatory monitoring, manage risk assessments, and streamline compliance workflows through Predict360.
- Gain Data Clarity and Performance Visibility: Connect, analyze, and visualize business performance with Lumify360’s unified data and KPI dashboards.
- Integrate Seamlessly: Each solution works independently or as part of a connected ecosystem, helping FinTechs strengthen governance, reduce operational burden, and accelerate growth.
Industry Challenges for FinTechs
FinTechs thrive on innovation, but their rapid growth comes with complex regulatory, operational, and data challenges. As digital finance continues to expand into payments, lending, and investment services, fintech organizations face increasing scrutiny from regulators, investors, and customers alike.
Key challenges include the following:
- New federal and state-level guidance for digital assets, consumer data protection, and financial transparency create constant compliance pressures.
- Disconnected systems and manual reporting make it difficult to identify, measure, and respond to emerging risks across operations.
- As FinTechs expand into new markets or product lines, maintaining compliance standards while scaling fast becomes increasingly difficult.
- With multiple tools and data sources, it’s hard for leadership to get a single, trusted view of performance, growth, and risk.
- Smaller compliance teams are expected to handle complex regulatory reporting, data analysis, and strategic decision support — often without automation.
FinTech Risk and Compliance Management with Predict360
Fintech innovation moves fast, but regulators are starting to move faster. Predict360 helps FinTechs maintain compliance confidence and operational control through intelligent automation, centralized oversight, and AI-assisted decision-making.
Built on a modular platform, Predict360 unifies Risk Management, Compliance Monitoring, Regulatory Change Management, and Incident Tracking, giving FinTechs complete visibility into their governance ecosystem.
Predict360’s key benefits for FinTech organizations:
- Streamline regulatory obligations, testing, and reporting through an intelligent compliance engine that tracks updates from federal and state regulators.
- Identify, assess, and mitigate operational, cybersecurity, and third-party risks using configurable risk registers and control frameworks.
- Stay current with emerging FinTech regulations (including CFPB, OCC, and FFIEC guidance) through AI-powered regulatory monitoring and impact assessments.
- Manage policies, audits, and findings from a single dashboard, ensuring no control gaps or compliance deadlines are missed.
- Generate reports and evidence automatically to support examinations, audits, and investor due diligence.
Lumify360 Data Insights and Performance Management for FinTechs
Data is the new currency of FinTech, but it can become chaotic without clarity. Lumify360 turns complex data streams into clear, actionable insights that help FinTech leaders measure performance, manage growth, and make smarter, faster decisions.
By integrating data from multiple sources, including CRM, transaction systems, compliance tools, and customer analytics, Lumify360 provides a single source of truth for financial and operational performance.
What FinTechs gain with Lumify360:
- Consolidate KPIs and KRIs across risk, compliance, sales, and customer success into easy-to-read dashboards tailored to fintech business models.
- Eliminate reporting delays and empower decision-makers with real-time visibility into performance trends and risk exposure.
- Use AI-powered forecasting to anticipate customer behavior, financial outcomes, and emerging operational risks.
- Enable teams to explore data independently through intuitive visualizations without the need for data scientists.
- Seamlessly connect with Predict360, Power BI, and other systems to unify governance, risk, compliance, and performance analytics.
Why Choose 360factors?
360factors empowers organizations to accelerate profitability, innovation, and productivity by predicting risks and streamlining compliance.
Complete GRC
All the GRC tools you need integrated in one solution
Basic to Enterprise
From simple risk assessment to complete risk register and control testing
Speed & Execution
Insights into your risk program & control effectiveness
Fast Implementation
The cloud-based solution can be integrated within days
Flexible and Modular
Pick the modules you need for your business
Easy to Use
Automation and an intuitive interface ensure ease of useLearn How 360factors Empowers Customers to Manage Their Risk and Compliance Programs with Ease.
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.
Mark Casel Chief Risk Officer
We selected Predict360 due to its ease of use, banking industry design, and endorsement by the American Banker’s Association.
Eric Sprink President & CEO
Predict360’s banking workflows, risk library content, and endorsement from the American Bankers Association are a great fit for our bank.
Julie Dahle EVP and Chief Risk Officer
As part of our initiative to expand our products and services, we wanted to enhance our enterprise risk and compliance management to support this growth. Predict360 will enable our team to meet these goals efficiently.
David Claussen Chief Risk Officer
360factors’ solutions, powered by artificial intelligence, enables our organization to adapt and respond effectively to the ever-changing regulatory compliance landscape.
Joanna Chancellor Business Support Manager
The powerful features combined with the easy implementation of the cloud solution made Predict360 a great fit for our organization.
Steve Parker Chief Executive Officer
We believe our collaboration with 360factors and the technology they bring supports our vision for the future.
Gina Anonuevo Chief Compliance Officer
Deploying Predict360 is another step by us towards becoming a more streamlined and efficient organization.
Crystal Barnes Regulatory Compliance Specialist
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