Radical AI

Transforming what banking is, not just how DNB builds products

Most people hear "Personal Banking Assistant" and think: another chatbot. That fundamentally misses the vision. We're building AI that can do everything the bank's employees and digital channels do today—combined, personalized, and proactive. AI that doesn't just answer questions but creates personalized banking experiences and takes action on your behalf.

The Customer Vision

Personal Banking Assistant (PBA)

Knows your complete financial context and life situation
Proactively guides you through complex scenarios (buying a house, starting a business, planning retirement)
Generates personalized digital channels: Your mobile bank interface adapts to your life stage and goals, not one-size-fits-all
Orchestrates across all bank services: accounts, loans, investments, insurance—seamlessly integrated
Anticipates needs before they become problems

This isn't a chatbot. It's agentic AI with planning, execution, and persistent memory—more like how humans and AI collaborate (think Claude Code) than today's reactive Q&A bots.

Why This Requires Transformation

Traditional vs. AI-Augmented Development

Challenge

The Breakthrough

Too complex for large, slow-moving teams

Teams of 1-2 people (human + AI digital twins) can build what takes 20+ today

Too fast-moving for waterfall planning

Iterate in days, not months—fast enough to discover what customers actually need

Requires hundreds of features, each personalized

One team can orchestrate across traditional boundaries (because AI handles complexity)

What We're Building

✅ Factflow (Knowledge Layer)

Single source of truth for all DNB products, policies, services

Foundation for intelligent guidance

✅ Agent Prism (Orchestration Layer)

Enables AI to plan and execute complex, multi-step workflows

The execution engine

📅 Evaluation Layer (Future)

Quality assurance and performance monitoring for AI at scale

Coming soon

⚡ New Operating Model

Proof that 1-2 person teams can build complete customer experiences

The velocity breakthrough

Proof Points We're Delivering

Weekly customer-facing features (fraud check, Genesys integration, business applications)
Platforms that other teams can adopt (Factflow, Agent Prism)
Demonstrated efficiency gains (8-person team delivering what traditionally requires 20+)

What We Need

A clear mandate that Radical AI is:

Transforming banking itself (customer-facing vision), enabled by transforming how we work (internal operating model)
Building bank-wide platforms (Factflow, Agent Prism) that enable AI across DNB
Proving a new development model (1-2 person teams, AI-augmented, fast iteration)
Delivering customer value weekly as validation, not as the end goal

Alignment Needed:

Authority to build foundational infrastructure
Space to operate at AI-speed (tight goals, loose execution, tight measurement)
Accountability for both incremental delivery AND transformational outcomes
Clarity across sponsors: We're a transformation lab, not a feature team

The Timeline

6 Months (March 2026)

Factflow and Agent Prism operational, serving 3+ teams
Customer-visible features shipped as proof points
Documented efficiency gains vs. traditional delivery

12 Months (September 2026)

5+ products delivered with 1-2 person teams
Quantified speed, quality, and cost improvements
Scaling playbook for other teams
Organizational buy-in from leadership

24 Months (September 2027)

New operating model adopted by multiple product areas
Digital channels fundamentally reimagined
DNB recognized as leader in AI-augmented product development

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