Leaders in AI Governance & Compliance

Anticipate Risk, Capital Flows & Portfolio Performance

Remove blindspots, make decisions with full context, & act with confidence at every decision point.
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Leaders in AI Governance & Compliance

Anticipate Risk, Capital Flows & Portfolio Performance

Remove blind spots, make decisions with full context, & act with confidence at every decision point.
Our focus is simple

Maximize the value of your data

Gain the forecasting accuracy your business derserves
>90%
Forecasting
accuracy delivered
47%
of at-risk customers retained
in early repayment portfolios through predictive risk signals
Starkdata delivered a level of predictive accuracy and compliance rigour we had not previously seen from an analytics vendor.
Head of Business Development
European Banking Group
Gain the forecasting accuracy your business derserves
>90%
Forecasting
accuracy delivered
47%
of at-risk customers retained
in early repayment portfolios through predictive risk signals
Starkdata delivered a level of predictive accuracy and compliance rigour we had not previously seen from an analytics vendor.
Head of Business Development
European Banking Group

Where teams use it day to day

What actually changes for risk, compliance & customer teams
CREDIT RISK

Catch credit default risk before it hits the P&L

Flag accounts trending toward default so you can adjust terms while it's still preventable.
REGULATORY REPORTING

Keep compliance mapping current with every model change

Documentation updates automatically as models change, skipping the re-mapping exercise before an audit.
CUSTOMER INTELLIGENCE

Spot signs of disengagement before renewal

Flag early signs of disengagement so relationship teams have time to act.
PRODUCT INTELLIGENCE

Spot churn and cross-sell signals sitting in your data

Detect usage patterns that signal a cross-sell opportunity & increase revenue.
PREDICTIVE FORECASTING

Forecast at >90% precision

Run forecasts on delinquency, funding flows, deposits, or any metric that matters to your team.
THIRD-PARTY AI OVERSIGHT

Track every AI system in production, including vendors'

Register every model, yours and vendors', in one place so you're audit ready.

Everything you need

to manage compliance, risk & governance
GROWTH
Stay Audit-Ready Everytime
Connected customer, product, and channel data surfaces default risk.
GROWTH
Forecast Porfolio Performance
See which segments are strenghtening and which are deteriorating.
GROWTH
Catch Customers at Risk Before It Costs You
Connected customer, product, and channel data surfaces default risk.
COMPLIANCE & GOVERNANCE
Defend any decision, on demand
Every prediction traces back to the exact inputs behind it, the moment a regulator asks.

Everything you need

to manage compliance, risk & governance
GROWTH
Stay Audit-Ready Everytime
Connected customer, product, and channel data surfaces default risk.
GROWTH
Forecast Porfolio Performance
See which segments are strenghtening and which are deteriorating.
GROWTH
Catch Customers at
Risk Before it Costs You
Connected customer, product, and channel data surfaces default risk.
COMPLIANCE & GOVERNANCE
Defend any decision, on demand
Every prediction traces back to the exact inputs behind it, the moment a regulator asks.
ENTERPRISE AI FOR FINANCIAL SERVICES
One System With Every Signal You Need to Act On
CREDIT RISK DEFAULT
See Every Risk Signal Before It Affects Your Bottom Line
Flag default & delinquency risk early
Combine behavior, exposure & repayment signals into one score per account
Anticipate prepayment behavior
Understand how early repayments affect yield, liquidity and portfolio performance.
MONITOR PORTFOLIO DYNAMICS CLOSELY
Track & Optimize Your Portfolio
Monitor concentration & exposure shifts
See where risk is building across segments, products, or regions as the portfolio changes.
Model performance under stress
Run forward-looking scenarios against the same data you already report on.
PREDICT FUNDING FLOW
Forecast Funding Shifts Before They Hit the Balance Sheet
Track deposit and outflow trends
Forecast demand accurately across regions, channels and product lines to reduce stockouts.
Model liquidity under different scenarios
Test how rate changes or withdrawal patterns affect your funding position.
PREDICT CUSTOMER CHURN
Know Which Accounts Are at Risk of Leaving
Improve demand forecasting
Forecast demand accurately across regions, channels and product lines to reduce stockouts.
Optimize product portfolio
Understand which products drive growth, where performance is declining & what should be prioritized.
ENTERPRISE AI FOR FINANCIAL SERVICES
One System With Every Signal You Need to Act On
CREDIT RISK DEFAULT
See Every Risk Signal Before It Affects Your Bottom Line
Flag default & delinquency risk early
Combine behavior, exposure & repayment signals into one score per account
Anticipate prepayment behavior
Understand how early repayments affect yield, liquidity and portfolio performance.
MONITOR PORTFOLIO DYNAMICS
Track & Optimize Your Portfolio
Monitor concentration & exposure shifts
See where risk is building across segments, products, or regions as the portfolio changes.
Model performance under stress
Run forward-looking scenarios against the same data you already report on.
PREDICT FUNDING FLOW
Forecast Funding Shifts Before They Hit the Balance Sheet
Track deposit & outflow trends
See where risk is building across segments, products, or regions as the portfolio changes.
Model liquidity under different scenarios
Test how rate changes or withdrawal patterns affect your funding position.
PREDICT CUSTOMER CHURN
Know Which Accounts Are at Risk of Leaving
Forecast demand with precision
Forecast demand accurately across regions, channels and product lines to reduce stockouts.
Optimize product portfolio
Understand which products drive growth, where performance is declining & what should be prioritized.
AUTOMATED GOVERNANCE & COMPLIANCE
Gain Governance Your Risk Committee Can Sign Off On
The governance layer regulators already expect you to have
Explainability Engine
Show internal audit teams and external supervisors the same answer, with every prediction traced to its inputs before a SREP review asks for it.
Model Registry
Keep one current inventory of every model in production, the register regulators already expect you to have.
Regulatory Parsing Engine
Map every control to the specific article it satisfies so a supervisory request gets a documented answer that's already prepared.
Drift Detection
Flag model drift automatically so business units keep moving without anyone catching it by hand.

Built for environment where every decision must be defensible

Operate with full transparency, auditability & control
Compass is Starkdata's model agnostic infrastructure that ensures every prediction can be explained, every model audited to any regulator at any time.
Explainability
Break down every decision into clear drivers, showing how inputs, signals, & models contribute to each outcome
Auditability
Maintain complete traceability across your system, with full decision logs, model versioning, and historical tracking
Model Governance
Monitor model performance, detect drift, and enforce governance policies to ensure models remain compliant
HOW IT WORKS
A Simple Path From Where You Are to Full Enterprise Intelligence
Three steps to go from existing infrastructure to a continuously running intelligence layer.
HOW IT WORKS
A Simple Path From Where You Are to Full Enterprise Intelligence
01

Connect Data

We connect all of your current tools so they all feed the intelligence layer
02

Map Entities

We model your organization as a living system
03

Get Value

Every team gets exactly what they need

Frequently Asked Questions

Have questions? We have answers.

Can the platform be deployed on-prem, and how does it integrate with our existing core banking systems?

Yes, on-premises deployment is fully supported, alongside cloud and hybrid configurations, including for institutions with the strictest data residency requirements. The platform connects to your existing infrastructure rather than replacing it, drawing data from core banking, risk, and customer systems into a single connected view while your current systems continue to operate as they do today.

What safeguards protect the confidentiality & integrity of our data?

Your data remains within infrastructure you control at all times and never leaves the boundaries you define. Data is encrypted both at rest and in transit, and access is governed by the same controls your compliance and information security functions already rely upon, with every interaction logged and auditable. We recommend a dedicated security review during a briefing to address your institution's exact requirements.

How does the platform align with regulatory frameworks such as DORA, the EU AI Act, and EBA guidance?

Regulatory alignment is a core design principle of the platform, with automated governance workflows built against frameworks including DORA, the EU AI Act, GDPR, EBA/REP/2020/01, and PCI DSS. The specific frameworks relevant to your institution depend on jurisdiction and business line, which we will map out during a briefing.

How explainable are the model outputs?

Explainability is a core capability of the platform, not a supplementary feature. Given the regulatory scrutiny applied to decisions across credit, risk, and compliance functions, every output can be traced to the specific factors that produced it, ensuring the result is defensible to regulators, auditors, and customers alike.

What results have similar institutions achieved, and what does deployment typically involve?

In a European banking deployment, customer intelligence and predictive forecasting capabilities contributed to a 47% reduction in churn, achieved with 95% precision, with outcomes depending on data quality and use case. Deployment timelines average approximately 90 days from kickoff to go-live, though the precise duration depends on the complexity of your data environment. A briefing will clarify what is realistic for your institution on both counts.

How much is the investment?

Pricing depends on the scope of your deployment, the capabilities required, and the size of your institution, so we don't publish a flat rate. A briefing gets you an accurate scope and pricing conversation based on your institution's actual requirements, rather than a figure that wouldn't reflect what you'd really invest.

Your industry, your data, your challenge

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