Rational Exponent Products

AI-Driven Operational Intelligence Platform Purpose Built for Banking

RE:Agent is purpose-built for the way banks work—and the way banks need to grow—whether small, mid-size, or large. RE:Agent is a modular, AI-powered platform embedded directly into your governance stack with API technology that can integrate into your GRC, core banking, and channel systems, transforming static compliance and transactional data into real-time, actionable intelligence. This approach is grounded in practical experience and smart design that benefits customers when they need to scale up or scale back.

Scalable Solutions. Transformative Outcomes. 

Built for agility, transparency, and real-time guidance at scale, RE:Agent delivers business value from day one—without disrupting routines or requiring complex retraining. Our intuitive AI interfaces enable teams to instantly translate insights into action. The result? Accelerated outcomes, elevated operational performance, and innovation that’s safe and prudent. 

Rational Exponent’s core feature sets IQ™ and EX™ manage large-scale business transformations, orchestrating cross-domain changes that align with your strategic initiatives.

Scalable Solutions. <em class="fsb">Transformative Outcomes. </em>

IQ™: analyzes and provides real-time insights and guidance to help you understand your current state, explore what’s possible, plan, and prepare design-optimized futures. 

EX™: runs the processes, workflows, and automations that drive strategic business outcomes. Think of EX™ as the doing, operating, and executing of tasks, including the orchestration of agents, and managing business-aligned guardrails.

IQ™: Intelligence at The Core

RE:Agent drives business value with process execution that’s safe, complies with the latest regulations, aligns to your risk appetite, and gives you a competitive advantage. IQ™ analyzes, provides real-time insights, and guides you to help understand your current state, explore what’s possible, plan, and prepare design-optimized futures.

Operations IQ™

Operations IQ™ domain rationalization understands regulations, requirements, and maturing policies, ensuring your policies and procedures are documented and implemented as mandated. Operations IQ™ reconciles procedures with real-time operations to identify gaps, strengthen controls, and align compliance with operational reality.

Pulse IQ™

Pulse IQ™ is your fingers on the pulse for maintaining compliance and sustaining operational excellence. Pulse IQ builds on the functionality of RE:Agent to ensure your policies, procedures, and controls are current while monitoring and collecting proof of operational performance in real time. It tracks regulatory changes, flags gaps, and alerts you to what matters most, so you’re never caught off guard or at risk.

Horizon IQ™

Horizon IQ™ enables you to plan with foresight and scale with confidence for strategic business transformation and growth. This operational maturity suite supports scenario testing, regulatory alignment, and prudent growth. Horizon IQ™ enables value-based “what if” planning scenarios that help mitigate risk, meet heightened standards, interact with regulators, and protect your business from unexpected consequences.

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EX™: Operational Excellence

RE:Agent delivers business value by embedding intelligence directly into process execution. It ensures every action is safe, compliant with the latest regulations, and aligned to your institution’s risk appetite. By eliminating friction, automating controls, and enabling precise adherence, EX™ not only safeguards operations but also unlocks efficiency, scalability, and competitive advantage.

Operations EX™

Operations EX™ task automation enables you to build intelligent task automations through an intuitive, step-by-step UX. Workflows mirror real-world actions and delegate their execution to deterministic, rule-based agents.

Harmony EX™

Harmony EX™ orchestrates the performance and management of agents and automations across the ecosystem, enabling you to operate with precision and control. Harmony EX™ ensures distributed execution remains aligned to business goals and compliance guardrails while continuously learning, adapting, and keeping you in control of third-party AI tools and services.

Persona EX™

Persona EX™ provides real-time oversight of banking business-in-motion by monitoring transactional personas who’s doing what, where, why, and how. Persona EX™ aligns policies and controls into live operations ensuring every action stays within defined guardrails. It transforms traditional static governance into active, business-aware supervision.

COMPOSITION IQ™: BUSINESS DESIGNER

Building on the capabilities of RE:Agent, Composition IQ™ is a transformative AI-powered design engine that assembles intelligent, compliant solutions such as optimized system blueprints that are aligned with business goals, regulatory requirements, and operating constraints, replacing static strategy decks with living system architecture.

Composition IQ™ features closed-loop goal-seeking intelligence that will identify gaps, run experiments, and implement technology and procedural changes under strict control and governance. Additionally, macro-agents manage large-scale transformations, orchestrating cross-domain change aligned with strategic objectives.

<span class="fsb">COMPOSITION IQ™: <em class="fsb">BUSINESS DESIGNER</em></span>