The SmarterFI App Catalog

SmarterFI Foundation Suite

One governed suite for community-bank lending, portfolio risk and finance, financial crime, and relationship growth. SmarterFI can connect to or replace Abrigo, and a person approves every material step. The preview is set in Harbor Point Community Bank, a fictional institution of about $1.2 billion in assets. All data is fictional.

Modules in this preview

Foundation Suite apps

Each app has its own card, a short estimated ROI for banks, and its own link into the private preview. A bank can license one app, a bundle, or the full SmarterFI Foundation Suite. The apps still share one sign-in and one data model. Ask SmarterFI is included in every licensed app; it is not a separate card or license. Opening a link requires the preview sign-in. This is not a production deployment.

Demo figures use Harbor Point, a fictional $1.2B bank. ROI figures are illustrative estimates, and results vary. See the methodology.

Data Mapping & Discovery

A guided interview plus a read-only scan, run inside your own environment, that documents your core, your vendor systems and how your data connects. It reads metadata only, never customer or account records, and turns what it finds into a readiness score, a systems map and a deployment plan for AI.

Data Mapping & Discovery demo

A Data Mapping & Discovery demo: one completed mapping of a fictional community bank, with the guided capture, a read-only scan, a maturity scorecard, the systems landscape and the deployment blueprint. Metadata only. No customer, account or transaction record is read.

Data Readiness Snapshot

A free, 3-minute self-assessment that shows how ready your bank or credit union's data is for AI. Answer a short set of questions and get a readiness score with the areas to work on first.

AI Lending Co-Pilot

An AI layer that sits on top of your existing loan origination system and core, so nothing is replaced. It collects and checks borrower documents, spreads tax returns (including K-1s across related entities), and drafts a credit memo with a citation for every number. It also runs KYC/AML checks and monitors covenants after booking, and a person approves every step.

Fraud & AML Co-Pilot

AI-assisted fraud and AML decisioning for community banks. It scores onboarding, transactions and checks, sends uncertain cases to a person instead of guessing, and keeps a full record of where each decision came from for case management and SAR preparation. The demo connects read-only to core sandboxes and uses synthetic data only.

Contract & Invoice Assurance

Reads your vendor contracts and turns pricing, escalators, minimums and renewal terms into verified data. It then checks every vendor invoice against those terms line by line, flags overbilling, and warns you before renewal notice deadlines. It also drafts dispute letters and keeps an exam-ready audit trail.

AI Data Guard

Detects sensitive banking data, such as customer PII, SSNs, account numbers and loan files, before it reaches a public AI tool or an AI agent. It masks, blocks or logs that data under your bank's policy and coaches employees in the moment. It also produces compliance reports and audit trails for examiners.

Onboarding Co-Pilot

AI-assisted account opening for consumers and businesses, on the web, on a phone or with a banker in the branch. It runs identity, sanctions and fraud checks through the vendors you choose and applies your own BSA/AML rules. Exceptions go to a reviewer with AI-drafted notes, and the account books straight to your core with a complete CIP record.

CEO Co-Pilot

Your executive intelligence layer: a guided tour of one bank's month-by-month figures, daily briefs and board-ready views, generated from a fixed seed.

Money Management — SmarterFI Demo

SmarterFI's own public demo of Money Management for Harbor Point, a fictional community bank. A member's overview, budgets and transactions are read live, read-only, from a fictional Jack Henry SilverLake test bank, with a forecast and what-if scenarios worked out from that data.

Month-End Close

Structured, AI-assisted workflows that turn month-end close from a scramble into a controlled process. It automates reconciliations, routes exceptions, tracks progress and deadlines, and documents every step for audit.

LiquidFi Treasury

Treasury command for a family office: available cash by legal entity, a 90-day forecast with cash alerts, and payments under a family authority matrix with maker-checker approvals. It also covers capital calls, custody moves, cash policy, a ledger and a CPA export pack.

JBT Policy Assistant

A policy and procedure assistant built for Jonestown Bank & Trust. Staff ask questions in plain language and get answers drawn only from the bank's policy library, with quoted passages and citations they can open. Every question and answer is kept in an audit log. The demo uses a sample, fictional policy library.

First Bank Policy Assistant

The policy assistant set up for First Bank (New Jersey). Staff ask questions in plain language and get answers drawn only from a sample policy library, with citations they can open. For deposit questions, staff can look up an account in a synthetic Fiserv Premier sandbox, and the answer applies the policy to that record, with tax IDs masked.

SmarterFI Policy Assistant

The SmarterFI policy assistant for any community bank. Staff ask questions in plain language and get answers drawn only from a sample community-bank policy library, with quoted passages and citations they can open. For deposit questions, staff can look up an account in a synthetic Jack Henry SilverLake sandbox, and the answer applies the policy to that record, with tax IDs masked.

Command Center

The SmarterFI Command Center is our private telemetry site for every demo on this page. It shows live up/down status and response times for every app we monitor, 24-hour, 7-day and 30-day uptime, daily QA results with failure details, incidents, deployments, traffic and AI usage, and the monitoring scheduler heartbeat.

Estimated ROI for banks: methodology

These figures are illustrative estimates for a community bank of about $1.2 billion in assets, the size of Harbor Point Community Bank in the private preview. Harbor Point is fictional, and the estimates are not SmarterFI customer results. Replace the volume, staffing and deposit assumptions with your own books. Results vary. Pilots will measure actual hours, cost and revenue.

SmarterFI can connect to or replace Abrigo. We do not treat Abrigo as a competitor in this catalog, and none of the estimates below assume a displacement saving versus any named vendor.

Lending Co-Pilot

Public fact (vendor-stated)Aloan states that spreading time per commercial credit is typically 2 to 4 hours of analyst time, that manual spreading consumes 40 to 60 percent of a credit team’s capacity, and that most community banks under $1 billion in assets run a 2-to-6 person credit team handling 200 to 800 commercial credits a year. The FDIC’s 2022 Small Business Lending Survey found that three in four banks approve their typical small-business loan within ten business days.

TargetA 50 percent or greater cut in analyst spreading time, at least 30 percent less time to complete a loan package, and at least 40 percent shorter compliance cycle time, measured against each pilot bank’s baseline, from the SmarterFI Lending Co-Pilot product plan.

Illustrative estimate, results varyWe apply a 50 percent cut to the 2-to-4 hour spreading time, or 1 to 2 hours saved per commercial credit. For annual volume we use Aloan’s 200 to 800 credits, noting that the published range is for banks under $1 billion and Harbor Point is about $1.2 billion, so a bank should substitute its own volume. Hours saved: 200–1,600 a year. At $66 an hour: about $13,000–$106,000. Closing packages and consumer applications are part of the app and are not included in that dollar range. Revenue from faster origination is not quantified.

Sources: Aloan; FDIC Small Business Lending Survey, 2024 executive summary. Aloan figures are vendor-stated, not SmarterFI results.

Portfolio Risk & Finance

Public fact (vendor-stated)Empyrean writes that a community-bank quarterly CECL close in Excel typically takes 10 to 20 hours, or one to two full work weeks a year of senior finance staff time, mostly on mechanical processing and documentation.

Public factBank Director reports a community bank that spends as much as $150,000 a year on loan-loss modeling, and an example cited by Federal Reserve Vice Chair Michelle Bowman of a community bank that spent $475,000 to implement CECL and more than $260,000 a year thereafter. Those institutions are not identified as $1.2 billion banks, and the figures are not SmarterFI results.

Illustrative estimate, results varyIf structured workflow removes most of that mechanical close, 40–80 hours a year at $66 an hour is about $3,000–$5,000. We do not treat the $150,000–$260,000 published run costs as a SmarterFI saving. They are shown only as industry context for the size of the spend this app is built to reduce. Time on stress testing, loan review workpapers and board or ALCO narratives is a further benefit we have not quantified, because we did not find a public hour benchmark we would hang a dollar figure on.

Sources: Empyrean Solutions; Bank Director, “Banks Examine the Cost of an Untested CECL”. Empyrean figures are vendor-stated.

Fraud & AML

Public factLiminal’s 2024 Link Index reports industry false-positive rates typically above 90 percent, and says leading transaction-monitoring solutions reduce manual review time by 23 percent and bring false-positive rates below 50 percent. A 2017 CBANC survey, summarized by Ncontracts, found that institutions with more than $1 billion in assets had two to three people on the BSA/AML team, and that institutions with $500 million to $1 billion in assets filed, on average, 1,508 CTRs and 79 SARs in 2016.

Illustrative estimate, results varyWe model two to three BSA staff, consistent with the >$1 billion band, and assume — this is our assumption, not a published split — that 50 to 70 percent of their time is spent on alert, CTR and SAR review. Applying Liminal’s 23 percent reduction in manual review time: 2 × 2,080 × 50% × 23% = about 480 hours, through 3 × 2,080 × 70% × 23% = about 1,000 hours. At $66 an hour: about $32,000–$66,000. We do not assume SmarterFI will cut false positives to 50 percent, because that Liminal figure is for leading transaction-monitoring platforms, not a measured SmarterFI result. The 2016 SAR and CTR counts are context only and are not used in the dollar math.

Sources: Liminal 2024 Link Index (PR Newswire); Ncontracts, summarizing CBANC, 2017. The 23 percent figure is industry research on leading solutions, not a SmarterFI result. The staffing and filing figures are from 2016–2017 and should be replaced with the bank’s current volumes.

Relationship & Growth

Public factHaberfeld reports that consumer attrition at community banks reached 10.25 percent in 2023, and that about 35 percent of bank customers are single-product households. Vericast reports industry attrition of about 16 percent for a customer with one account versus about 5 percent for a customer with at least four accounts, a cross-sell ratio of 3.6 products and services for multiple-account households, and a 27 percent single-account household share.

Illustrative estimate, results varyThe 11-point gap between one-account and four-account attrition is context only; we do not assume the app closes that gap. We model a conservative 1 percentage-point reduction in consumer attrition on $300–$600 million of in-scope consumer deposits (an assumption for a share of the scaled $1.0 billion deposit base; replace with the bank’s consumer deposit book). Deposits retained: $3–$6 million. At the 3.65 percent community-bank net interest margin: about $110,000–$219,000 of net interest a year. Officer time saved on call plans and campaign prep is not quantified. Cross-sell lift beyond retained deposits is not included.

Sources: Haberfeld; Vericast; FDIC Quarterly Banking Profile, Q4 2025.

Workspace

Workspace provides the shared sign-in, audit log, entitlements and the connect-or-replace path, including the ability to connect to or replace Abrigo. Ask SmarterFI is included with every licensed app and is not sold separately. Those are control and licensing benefits. We did not find a public, citable benchmark for hours saved gathering examiner evidence from a single audit log, so we do not attach a dollar ROI to Workspace.

Third-party figures are attributed to their sources and are not SmarterFI results. Targets are goals that pilots will measure, not guarantees. All estimates above are illustrative, and results vary.