Research requirements
Get cited answers and identify policies affected by regulatory changes so reviewers can focus their research.
BUILT FOR U.S. FINANCIAL ORGANIZATIONS
PRODUCT · DIGITAL WORKFORCE
Ask Kaia – Digital Workforce for Financial Organizations
Use AI agents for research, reviews and documentation and give your team more time to plan and strategize.
FINANCIAL ORGANIZATIONS USING 360FACTORS SOLUTIONS
YOUR DIGITAL WORKFORCE
WeeklyUpdates to shared regulatory knowledge
CitedReferences your team can check
GuidedTask-specific inputs and documented outputs
THE PROBLEM
Give your team assistance with the work behind each decision
Research, policy updates, ad reviews and loan-file checks compete for the same people. Before your team can decide what to do, it has to gather evidence, analyze documents and write up findings.
Repeated research
Manual document review
Time spent writing reports
WITH ASK KAIA
Ask Kaia is a digital workforce of specialized AI agents for financial organizations. Choose a task, supply the context and receive analysis, drafts or findings your team can review. Regulatory Intelligence provides the shared U.S. federal and state knowledge base, updated weekly. Your policies and business context make the work more relevant, while your people retain decisions and approvals.
Prepare policy documents
Draft, revise and compare policies to give your team specific language and proposed changes to review.
Review ads and lending data
Analyze advertisements, HMDA data and fair lending evidence with specialized agents that document potential concerns.
Review work with oversight
Use source references, downloadable outputs and execution history to check the work and support internal oversight.
EXPLORE THE AGENTS
Choose the work you want Ask Kaia to take on
Start with the task that consumes your team’s time. Each agent guides the inputs and produces work for review. Lending Intelligence and Third-Party Intelligence are coming Q4 2026.
- 01
Use Regulatory Intelligence for cited compliance answers, policy drafting, revision and comparison, impact analysis, citation mapping and document discovery.
- 02
Review ads against applicable requirements and internal policies with Marketing Ad Review Agent, then use the findings to prepare for approval.
- 03
Check LAR data and supporting loan files with HMDA Compliance Testing Agent to investigate potential discrepancies and document findings.
- 04
Analyze lending data and supporting evidence with Fair Lending Compliance Testing Agent to identify potential disparities for specialist review.
- 05
Use your Business Profile and supplied documents to give agents context about your institution, activities and regulatory requirements.
- 06
Work from a shared U.S. federal and state regulatory knowledge base, updated weekly, across policies and all other Ask Kaia agents.
- 07
Inspect citations and export supported outputs in Word or Excel to fit your team’s review and documentation process.
- 08
Manage agent access by user and review execution history to oversee how your team uses Ask Kaia.
CAPABILITIES
Build your digital workforce around the work you need
Put today’s compliance agents to work, and explore early access to lending and third-party intelligence. Each area has a defined scope and keeps your team responsible for the resulting decisions.
COMPLIANCE
Research, reviews and testingAvailable today
Use agents for regulatory research, policy work, ad review, HMDA and fair lending testing. Inspect citations, findings and editable outputs before acting.
Explore compliance agentsLENDING
Lending Intelligence AgentComing Q4 2026 – Get Early Access
Connect covenant monitoring, commercial real estate collateral analysis and loan growth intelligence to help lending teams assess borrower risk and opportunities.
Get Early AccessPARTNERS
Third-Party Intelligence AgentComing Q4 2026 – Get Early Access
Bring third-party evidence, contract analysis, monitoring and relationship risk into a maintained profile so your team can reduce repeated research and assess next steps.
Get Early AccessHMDA ComplianceCOMPLY
Regulatory IntelligenceCOMPLY
Marketing Ad ReviewCOMPLY
Fair Lending TestingCOMPLY
Policy & ProcedureCOMPLY
BY ROLE
Give every team more time for the decisions it owns
CHIEF COMPLIANCE OFFICER
You need usable drafts and findings without repeating the same manual work.
Use agents to research requirements, revise policies, assess regulatory impact and review marketing content. Specialized HMDA and fair lending agents support deeper testing work. Your team receives analysis and documentation it can check, refine and use in its review process.
Request a demoCitationsSources for regulatory review
DraftsPolicy language ready for your review
FindingsPotential issues to investigate
CHIEF RISK OFFICER
You need evidence behind the analysis and visibility into AI-assisted work.
Inspect references, findings and execution history to understand the work behind a recommendation. Manage agent access as usage expands. Explore Third-Party Intelligence, coming Q4 2026, for vendor evidence and relationship analysis that support your team’s oversight.
Request a demoEvidenceReferences and supporting documents
HistoryRecorded agent executions and outputs
AccessAgent permissions managed by user
CHIEF OPERATING OFFICER
You need more capacity for recurring work across departments.
Give teams guided agents for research, drafting and review, with your Business Profile supplying shared institutional context. Start with an available workflow and assess the output with its users. Explore Lending Intelligence, coming Q4 2026, for borrower and growth analysis.
Request a demoGuidedInputs tailored to the task
ContextShared institutional profile
OutputsDocuments teams can review and use
CHALLENGES
Make the work easier to complete and easier to check
A useful AI result needs the right source material, institutional context and a clear review path. Ask Kaia brings these together through specialized agents. Your team supplies the task and documents, examines the resulting analysis and decides what changes or follow-up are needed.
REGULATORY KNOWLEDGE
INSTITUTIONAL CONTEXT
HUMAN REVIEW
- 01
The same research keeps recurring
Use a shared regulatory knowledge base and cited answers to give teams a consistent starting point. Check the sources and applicability before making an interpretation.
- 02
Context gets lost between tasks
Set up your Business Profile and provide the relevant documents. Give each agent context about your institution and the work you need it to perform.
- 03
Review starts with a blank page
Generate policy drafts, proposed revisions and documented findings so reviewers can focus on assessing the work and adding institution-specific judgment.
- 04
AI activity needs oversight
Manage access to agents and inspect recorded executions and outputs. Give administrators and reviewers visibility into how the tools are being used.
INTEGRATIONS & CONTENT PARTNERS
Use Ask Kaia on its own or within Predict360
ABA Risk LibraryContent library
Crowe Testing ScriptsContent library
Reg-RoomRegulatory content
TemenosCore banking
FIS GlobalCore banking
FREDExternal data feed
FFIECExternal data feed
Microsoft Power BIVisualization
Third-party names and marks belong to their respective owners. Any displayed marks describe only the verified relationship or interoperability stated here.
EVALUATION FAQ
Questions about your Ask Kaia digital workforce
Understand how the agents work, what your team reviews and how to choose the right starting point.
Ask Kaia is a collection of specialized AI agents that perform defined research, drafting and analysis tasks for financial organizations. You choose the task, supply the requested context and review the output. The agents support work across departments, while your people remain responsible for interpretations, approvals and actions. Each workflow has its own inputs, capabilities and deliverables.
Available capabilities include regulatory Q&A, policy drafting, revision and comparison, regulatory impact analysis, Federal Register tracking, citation mapping, document finding and testing worksheet discovery. Marketing Ad Review, HMDA Compliance Testing and Fair Lending Compliance Testing support additional specialized work. Access depends on your plan and add-ons. A demo can help identify the agents that fit your team’s priorities.
Lending Intelligence Agent connects covenant management, commercial real estate collateral analysis and loan growth intelligence. Third-Party Intelligence Agent brings together vendor evidence, contract analysis, monitoring and relationship risk. Both are coming Q4 2026, with early-access requests available through their product pages. Your team can discuss its use case with 360factors while using Ask Kaia’s available compliance agents today.
Regulatory Intelligence provides a shared knowledge base focused on U.S. federal and state regulations, updated weekly. Policies and all other Ask Kaia agents draw on this foundation. Your Business Profile and supplied documents add institutional context. Applicability varies by institution, activities and states of operation, so reviewers should check the cited sources and determine which requirements apply.
Review the source references, findings and supporting documents before acting on an agent’s output. Administrators can assign or restrict agent access by user, and execution history records work for later review. Supported outputs can be downloaded in Word or Excel, depending on the agent. Your team completes its normal review, approval and follow-up process.
Ask Kaia uses your Business Profile and supplied documents to provide institutional context. The platform is designed to keep customer information separate between institutions, and customer data is not used to train general-purpose public models. Your evaluation should cover the applicable hosting, access, retention and security requirements with 360factors before your team supplies sensitive information.
No. Ask Kaia is available as a standalone browser-based application. Existing Predict360 customers can also access Ask Kaia within that platform, with availability and configuration confirmed for their environment. Ask Kaia performs defined analysis and drafting tasks; Predict360 supports the broader risk and compliance program. A demo can help determine the right setup for your organization.
EXPLORE THE ASK KAIA DIGITAL WORKFORCE
CUSTOMER VOICES
What customers say about 360factors
REVIEWS & RECOGNITION
Ask Kaia – Your AI Compliance Expert
Streamline Compliance Tasks with Ask Kaia