◐ In UAT — Coming Soon BFSI · Regulated Industries · June 2026

Horizon-Unbiased
Recommendation Engine

The compliance-first personalization platform for banks, NBFCs, and regulated enterprises — fair by design, explainable by default, audit-ready from day one.

Join the Waitlist How It Works ↓

The Problem

Banks Want AI Personalization — Regulators Demand Accountability

Generic recommendation engines optimize for conversion. They were not built for dual RBI + DPDP compliance. Banks need purpose-built personalization where governance is architecture, not an afterthought.

What boards want

✓ Hyper-personalized product discovery across digital channels

✓ Higher conversion on deposits, cards, insurance, investments

✓ Real-time session intelligence without demographic profiling

✓ Competitive parity with fintech personalization engines

What regulators require

✗ Purpose-limited data collection — not "collect everything for AI"

✗ Consent, explainability, and audit trails for automated decisions

✗ Model validation before production deployment

✗ No unlicensed investment advice; no dark-pattern credit push

How It Works

End-to-End Inference Pipeline

Real AI personalization inside a BFSI-grade governance envelope — OpenRouter embeddings, Qdrant vector search, and LLM reranking with policy gates at every step.

📦 Catalog Ingest

🧬 Embedding

🔎 Qdrant ANN

📊 Session Blend

🎯 DNN/GBT Rank

⚠️ Policy Gate

🛡️ Compliance Wrap

🧠

Real AI — Not Placeholders

OpenRouter text-embedding-3-small + gpt-4o-mini reranking. Qdrant persistent vector store. NDCG@10 model evaluation on retrain.

🔒

Privacy at Ingress

PII stripped at interaction ingest. Session proxy tokens — no long-lived customer IDs in the rec pipeline. Country-level geolocation only.

⚖️

Governance Gates

Only approved policy rules affect live traffic. Unvalidated models cannot deploy. Every action hash-chained in audit log.

BFSI Compliance Core

Built-In Minimum Viable Compliance

🔐

Security & Audit

KMS envelope encryption + key rotation. Immutable SHA-256 hash-chained audit log per tenant. Chain verification API detects tampering instantly.

📋

Data Lifecycle (DPDP/GDPR)

Consent ledger — purpose-tagged, versioned, timestamped. Configurable retention + automated purge. Data residency enforcement (IN/EU/US/UK/SG/AE).

📊

Model Risk (SR 11-7)

Model cards with intended use, limitations, fairness notes. Validation gate blocks deploy until validated. Per-recommendation explainability endpoint.

🏦

BFSI Suitability

Risk-band & category eligibility filter. Advice-vs-discovery disclaimer on banking recs. Human-in-the-loop policy propose → approve workflow.

Business Value

Five Verticals. One Governance Envelope.

Video Streaming E-commerce Banking Insurance Securities

💰

Revenue & Growth

Next-best-product cross-sell, up-sell to premium tiers, pre-approved offer surfacing, deposit mobilization, card & wealth discovery.

📱

Omnichannel Delivery

Mobile/net-banking tiles, chatbot & WhatsApp discovery, RM tablet, call-center agent-assist, ATM/kiosk, email/SMS campaigns.

🛡️

Regulatory Alignment

Aligns with RBI FREE-AI principles (fairness, transparency, accountability) and DPDP dual-compliance guidance for BFSI.

◐ Coming Soon

Personalization Your Compliance Team Can Approve

See Horizon-Unbiased serve ranked, explainable recommendations with full audit trail — in a live banking demo environment.