AI Intelligence for Financial Institutions

The intelligence layer
your institution
never had.

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

Request a Pilot Demo → Explore Circuits
8,600+
Credit unions & community banks
in the addressable market
<72h
From agreement to first circuit live.
No migration. No downtime.
Zero
Systems replaced, disrupted,
or migrated to go live.
NGB-OS · My Queue — Live
NGB-OS My Queue showing LendingIQ, FraudGuard, and ComplianceIQ circuits firing simultaneously with AI recommendations inline
No Core Replacement • No LOS Migration • No Downtime • Deploy in Days • AI-Powered Decisions • Staff-Facing Intelligence • FFIEC Audit Compliant • Human in the Loop • Chrome & Firefox • Windows AD Authentication • No Core Replacement • No LOS Migration • No Downtime • Deploy in Days • AI-Powered Decisions • Staff-Facing Intelligence • FFIEC Audit Compliant • Human in the Loop • Chrome & Firefox • Windows AD Authentication •
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 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 NGB-OS

✓
NGB-OS pulls live data from your core via API and surfaces AI intelligence directly in the browser — no system needs to be open for it to work
✓
FraudGuard monitors all channels in real time and flags anomalies as they happen
✓
Member Signals detects first-party attrition indicators before the member leaves
✓
DebtIQ predicts delinquency before a payment is ever missed
✓
GameDay Dashboard gives executives a live scoreboard — resets every day at midnight
✓
ComplianceIQ monitors every workflow in real time and flags issues before they escalate
Circuit Registry

Seven 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.

🧮
NGB.Circuit.Lending

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
📡
NGB.Circuit.MemberSignal

Member Signals

Detects first-party attrition signals by monitoring inbound deposit patterns and ACH credit activity within 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
🛡
NGB.Circuit.Compliance

ComplianceIQ

FFIEC-aligned compliance intelligence running in the background on every workflow, flagging issues before they become exam findings.

  • Real-time workflow compliance monitoring
  • Policy deviation flagging
  • Exam-ready documentation support
  • Regulatory change integration
🔎
NGB.Circuit.Fraud

FraudGuard

Monitors ACH, wires, ATM, branch, and digital channels simultaneously. Detects velocity patterns and anomalies and recommends action.

  • All-channel simultaneous monitoring
  • Velocity and anomaly detection
  • Recommended response workflow
  • FraudNet consortium integration
📋
NGB.Circuit.Collections

DebtIQ

Predicts delinquency before a payment is missed. Replaces static call lists with AI-prioritized queues and financial stress signals.

  • Pre-delinquency prediction engine
  • Minimum-payment pattern detection
  • Hardship plan recommendation
  • Collections workload reduction
🤝
NGB.Circuit.CRM

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
📊
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.

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

Installed in hours.
Not months.

NGB-OS connects to your core via API — it doesn’t need your core to be open on screen to work. Staff open their browser and NGB-OS is already running, already reading data, already surfacing intelligence. Authenticates via your existing Windows Active Directory. No new login. No new platform.

01

Install the Browser Extension

Deploy from Chrome Web Store or Firefox AMO. Authenticates via your existing AD / LDAP / Kerberos credentials. Staff need no new login.

02

Connect Core & LOS via API

NGB-OS connects to your core and LOS via API. Read access only — nothing is written back without explicit staff action.

03

Activate Circuits from NGB Circuit Store

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

04

Intelligence On — Immediately

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 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 NGB-OS is
  • ✓ A staff-facing AI intelligence overlay
  • ✓ A real-time data reader and signal engine
  • ✓ A recommendation engine — not a decisioning system
  • ✓ API-connected — works whether your core screen is open or not
  • ✓ FFIEC audit-compliant for every AI action
What Changes

Real outcomes.
From day one.

Operational impact across lending, fraud, collections, member retention, and executive visibility — visible immediately after circuits are live.

LENDING
More
yield
More qualified loans identified and approved faster with AI pre-screening
FRAUD
Less
loss
All-channel real-time monitoring catches patterns before losses occur
RETENTION
Less
attrition
Members flagged on first-party signals before they ever leave
RELATIONSHIPS
More
x-sell
Opportunity signals surface automatically for relationship managers
COLLECTIONS
Less
work
Delinquency predicted before a payment is missed, workload cut dramatically
EXECUTIVES
Live
data
Executives see real-time performance — not month-end reports
DEPLOYMENT
Days,
not months
72 hours from API access confirmed to first circuit live — no migration, no downtime
DISRUPTION
Zero
replaced
No system is replaced, migrated, or disrupted for NGB-OS to go live
Deployment

Live in 72 hours
once your API is ready.

The 72-hour clock starts the moment your core API access is confirmed. Everything else — extension deployment, circuit activation, and onboarding — is on us.

D1

Agreement & Extension Deployment

Pilot agreement executed. Extension deployed to staff browsers via Chrome Web Store or Firefox AMO. Active Directory / LDAP authentication verified — no new credentials required.

D2

Core & LOS Connection via API

NGB-OS connects to your core system via API. Read-only access. Nothing is written to core data structures without explicit staff action from within the NGB-OS sidebar.

D3

First Circuit Activated

LendingIQ or ComplianceIQ activated from NGB Circuit Store. Staff begin receiving AI intelligence directly in their existing browser workflow — no new platform to log into.

+7d

Full Suite Live

Additional circuits activated from self-service NGB Circuit Store. GameDay Dashboard live for executive team. All AI actions logged to FFIEC-compliant audit trail from day one.

Most technology projects at financial institutions take 12–18 months to deploy. NGB-OS is different because we sit on top of your existing stack — not inside it.

  • ✓

    No core conversion required or planned

  • ✓

    No LOS migration or replacement

  • ✓

    No data migration of any kind

  • ✓

    No staff retraining on new platforms

  • ✓

    Authenticates over existing Windows AD login

  • ✓

    First circuit live same day connection is confirmed

  • ✓

    Structured for zero operational disruption

“

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 NGB-OS — NGBFS
Get Started

Ready to see it live
on your data?

Pilot agreements are structured for zero disruption. Your team keeps working exactly as they do today — with AI intelligence layered on every decision.

Request a Pilot Demo → Explore All Circuits
No commitment required · Live demo on your own core data · Live within 72 hours of API access confirmation