🏦 Financial services
Banking & Financial Services
Credit decisions, risk assessments, fraud detection, KYC/AML reviews - every day, financial institutions make thousands of decisions partially or entirely driven by AI. Regulators are asking a question that most institutions cannot yet answer: can you demonstrate, for any single decision, who reviewed it, against which rule set, and whether the threshold was met?
Can you demonstrate, for any single decision, who reviewed it, against which rule set, and whether the threshold was met?
Capabilities
● Standard Intake
● External Artifacts
Without EVIDE
- Supervisory review finds no structured record of human oversight on credit decisions
- Regulatory audit cannot reconstruct which version of a risk taxonomy was in use at time of decision
- A disputed loan rejection cannot be defended without a documented intervention trail
- Internal logs exist but are self-declared - they cannot survive independent scrutiny
With EVIDE
- Every AI-assisted credit or risk decision carries a taxonomy_reference and threshold_reference anchored at the moment of review
- Classification replay: auditors can reconstruct the exact governance context of any past decision
- Procedural shield: defense is built on documented structure, not on reconstructed narrative
- not_defined signals show where policy gaps exist - before regulators find them
Example evidentiary record for banking and financial services
A real, API-conformant payload example - verified against the EVIDE intake schema v2.1.
{
"evide_schema": "2.1",
"source_system": "CreditDecisionPlatform",
"source_reference": "EVT-2026-0622-0940",
"source_timestamp_utc": "2026-06-22T09:40:18Z",
"decision": {
"type": "credit_decision",
"status": "finalized",
"closure_timestamp_utc": "2026-06-22T09:40:18Z",
"summary": "Declared credit application review completed following AI-assisted risk scoring"
},
"authority": {
"id": "credit_reviewer_22",
"role": "Senior Credit Risk Reviewer",
"dapi_number": "DAPI-XXXX",
"verification": "DAPI-XXXX"
},
"intervention": {
"type": "declared_event",
"classification_status": "stable",
"classification_context": {
"taxonomy_reference": "https://example.org/taxonomies/credit-risk-taxonomy-v2.1",
"threshold_reference": "https://example.org/policies/credit-approval-policy-v1.4",
"threshold_status": "met"
},
"rationale": "AI-assisted risk score reviewed against defined approval threshold; application approved",
"trace": {
"reference": "BANKING-014/application-20260622-0940",
"access": "restricted"
}
},
"human_oversight": {
"is_declared": true,
"declared_level": "L1"
},
"handoff": {
"boundary_readiness": {
"status": "candidate",
"readiness_gate": null,
"visibility_surface": null,
"unresolved_signals": []
},
"reconstruction_independence": "declared",
"submission_status": "not_submitted",
"acceptance_status": "not_claimed"
},
"extensions": ["evidence_references"],
"evidence_references": [
{
"artifact_type": "transaction_export",
"pointer": "core-banking://export/txn-20260622-0940.csv",
"declared_origin": "core banking system export",
"declared_description": "Transaction history export reviewed as part of the credit decision"
}
],
"content_hash": {
"algorithm": "SHA-256",
"value": "sha256:1a72...d904_example_not_for_submission"
}
}