AI Intelligence for Financial Institutions

The intelligence layer
for the systems
you already run.

The NGB-OS overlays AI intelligence across your core, LOS, and every back-office workflow, without replacing a single system you already use.

Request a Demo → Explore Circuits
8,600+
Credit unions & community banks
in the addressable market
Your core
remains your system of record.
The NGB-OS writes your team's decisions back to it, always on a staff decision, never on its own.
Zero
Systems replaced, disrupted,
or migrated to go live.
NGB-OS · My Queue · Live
NGB-OS My Queue showing LendingIQ, FraudGuard, and ComplianceIQ with recommendations inline, on sample data
No Core Replacement • No LOS Migration • No Downtime • Rapid Deployment • AI-Powered Recommendations • Staff-Facing Intelligence • Audit Logging • Human in the Loop • Secure staff sign-in • No Core Replacement • No LOS Migration • No Downtime • Rapid Deployment • AI-Powered Recommendations • Staff-Facing Intelligence • Audit Logging • Human in the Loop • Secure staff sign-in •
The Problem

Your team is drowning
in disconnected systems.

Your staff toggle between a core, a LOS, spreadsheets, and a CRM, losing time, missing critical signals, and making decisions without the full picture.

✗

Without the NGB-OS

✗
Loan officers manually toggle between core and LOS to gather member data
✗
Fraud teams work from lagging, manually-compiled transaction reports
✗
Member attrition goes undetected until the account is already gone
✗
Collections teams work static delinquency lists, not live risk signals
✗
Executives wait for month-end reports to understand current performance
✗
Compliance reviews are manual, slow, and expose the institution to exam risk
✓

With the NGB-OS

✓
The NGB-OS connects to your core through your core provider’s API
✓
FraudGuard surfaces anomalies across your channels for a human to review
✓
MemberIQ surfaces first-party attrition signals from your own transaction data
✓
DebtIQ surfaces early signs of delinquency for your team to act on
✓
GameDay gives executives a daily scoreboard that resets at midnight
✓
ComplianceIQ surfaces potential compliance issues for staff review
Circuit Registry

Six AI circuits.
One operating system.

Every NGB-OS deployment starts with LendingIQ, your AI lending intelligence foundation. From there, expand your suite as your team is ready. Each circuit is independently billable from the NGB Circuit Store and runs silently in the background the moment it’s activated.

🧮
lendingiq

LendingIQ

Pre-screen intelligence that scores every application 0–100 and sends a pre-screen to your LOS. Underwriters decide. NGB informs.

  • AI risk scoring 0–100 per application
  • Interview guide generation for High-List applicants
  • One-click pre-screen to LOS action
  • Risk factor flagging with AI-generated underwriting insights
📡
memberiq

MemberIQ

Surfaces first-party attrition signals from inbound deposit patterns and ACH activity in your own transaction feed.

  • Direct deposit cessation detection
  • Loan and auto-payment stoppage alerts
  • Cross-sell opportunity surfacing for RMs
  • Rejected loan re-engagement: flags members for future approval
🛡
complianceiq

ComplianceIQ

Surfaces potential compliance issues for staff review, and keeps the evidence and audit trail in one place.

  • Workflow compliance review
  • Policy deviation flagging
  • Exam-ready documentation support
  • Regulatory change tracking
🔎
fraudguard

FraudGuard

Surfaces velocity patterns and anomalies across ACH, wire, ATM, branch, and digital channels, and recommends action for your team.

  • Review across ACH, wire, ATM, branch and digital
  • Velocity and anomaly detection
  • Recommended response workflow
  • Optional fraud-network enrichment (roadmap)
📋
debtiq

DebtIQ

Surfaces early signs of delinquency and prioritizes outreach, so your team works live risk signals instead of static call lists.

  • Pre-delinquency prediction engine
  • Minimum-payment pattern detection
  • Hardship plan recommendation
  • Collections workload reduction
🤝
relationshipai

RelationshipAI

Relationship intelligence that gives your team a complete picture of every member: engagement depth, product fit, and the right next conversation to have.

  • Member relationship depth scoring
  • Next-best-conversation recommendations
  • Product fit and cross-sell opportunity signals
  • RM-facing engagement history view
FREE
📊
Executive / Admin

GameDay Dashboard

Live CEO-facing scoreboard. Clock resets every day at midnight. Every circuit KPI, every live event, all in one view. No waiting for reports.

  • Institution-wide KPI view
  • Daily / weekly / monthly / YTD tabs
  • Live circuit event feed
  • AskNGB natural language query bar
Architecture

Layered on top.
No rip-out.

The NGB-OS overlays intelligence on top of the systems you already run, with nothing to replace and no new platform to stand up. Your team accesses it in their normal workflow, signing in securely. It connects through your core provider’s API, and writes your team’s decisions back the same way. No core conversion. No data migration. No system replaced.

01

Provision Your Institution

The NGB-OS is set up for your institution and your team signs in securely. No new platform to stand up.

02

Connect Core & LOS

The NGB-OS reads your data to surface insights, and writes your staff’s decisions back to your core. Every write is initiated by a named team member, stamped and logged in both your core and the NGB-OS audit trail. The person who decided is the person of record. Nothing is written on its own.

03

Activate Circuits from NGB Circuit Store

Choose which AI circuits to activate. Each circuit goes live once connection is confirmed. Start with one. Add more at any time from the self-service NGB Circuit Store.

04

Intelligence On

The NGB-OS begins reading, normalizing, scoring, and surfacing intelligence across every workflow from the moment circuits are activated.

Connects via API to your existing systems

Any Core Banking System
Any Loan Origination System
ACH Networks
Wire Systems
ATM / ITM Feeds
What the NGB-OS is not
  • × Not a core banking system
  • × Not a loan origination system
  • × Not an online/mobile banking platform
  • × Not a replacement for any system you have
  • × Not a member-facing product (V1)
What the NGB-OS is
  • ✓ A staff-facing AI intelligence overlay
  • ✓ A data reader and signal engine
  • ✓ A recommendation engine, not a decisioning system
  • ✓ Reads from and writes to your core through your core provider’s API
  • ✓ Audit logging for every AI action
What Changes

What changes day to day.

Where the NGB-OS shows up across lending, fraud, collections, member retention, and executive visibility, as each circuit goes live.

LENDING
More
yield
More qualified applications surfaced for pre-screening; your lenders make every decision
FRAUD
Less
loss
Unusual patterns surfaced across channels for your team to review
RETENTION
Less
attrition
At-risk members flagged from first-party signals, early enough to act
RELATIONSHIPS
More
x-sell
Relationship and cross-sell opportunities surfaced for your RMs
COLLECTIONS
Less
work
Early delinquency signals surfaced, so staff work live risk instead of static lists
EXECUTIVES
Live
data
Executives see current performance, not only month-end reports
DEPLOYMENT
Low
lift
No migration and no downtime; scoped per institution.
DISRUPTION
Zero
replaced
No system is replaced, migrated, or disrupted for the NGB-OS to go live
“

The financial services industry doesn’t need another core. It doesn’t need another LOS. It needs intelligence layered on top of everything it already has, without the disruption of replacing any of it.

THE DESIGN PRINCIPLE BEHIND THE NGB-OS · NGB Financial Services, Inc.
Get Started

Ready to see it live
on your data?

Nothing is replaced and nothing is migrated. Your team keeps working exactly as they do today, with intelligence surfaced at the point of decision.

Request a Demo → Explore All Circuits
A walkthrough tailored to your institution · No commitment required