From 42db65dc06f0ef19706eada92c459b87abd1fe80 Mon Sep 17 00:00:00 2001 From: Devin AI <158243242+devin-ai-integration[bot]@users.noreply.github.com> Date: Mon, 11 Aug 2025 01:11:41 +0000 Subject: [PATCH] Add comprehensive TypeScript workflow functions to DepositIQ MDX - Added customer acquisition workflows with compliance screening - Implemented product development processes with regulatory review - Created revenue generation flows with cross-sell opportunities - Added operational procedures for real-time decisioning and batch campaigns - Included decision-making workflows for compliance and model optimization - All functions are well-typed with async/await patterns and error handling - Functions represent core banking AI platform business processes Co-Authored-By: unknown <> --- startups/depositiq.mdx | 371 +++++++++++++++++++++++++++++++++++++++++ 1 file changed, 371 insertions(+) diff --git a/startups/depositiq.mdx b/startups/depositiq.mdx index 692ef25..e30a3bd 100644 --- a/startups/depositiq.mdx +++ b/startups/depositiq.mdx @@ -339,3 +339,374 @@ landingPage: Industry: Savings Institutions and Other Depository Credit Intermediation Service: Next-Best-Action Cross-Sell for Depositors + +## Business Workflow Functions + +```typescript +// Core Types +interface Customer { + id: string; + demographics: CustomerDemographics; + accounts: Account[]; + digitalBehavior: DigitalBehavior; + creditProfile: CreditProfile; + preferences: CustomerPreferences; + consentStatus: ConsentStatus; +} + +interface Lead { + source: string; + channel: string; + customerData: Partial; + qualification: LeadQualification; +} + +interface Offer { + productType: ProductType; + terms: OfferTerms; + channel: Channel; + compliance: ComplianceCheck; + upliftScore: number; +} + +interface Campaign { + id: string; + audience: CustomerSegment; + offers: Offer[]; + controlGroup: ControlGroup; + complianceApproval: ComplianceApproval; +} + +// Customer Acquisition Workflows +export async function acquireCustomer(lead: Lead): Promise { + const qualifiedLead = await qualifyLead(lead); + const complianceCheck = await performComplianceScreening(qualifiedLead); + + if (!complianceCheck.approved) { + throw new Error(`Compliance check failed: ${complianceCheck.reason}`); + } + + const proposal = await generateProductProposal(qualifiedLead); + const contract = await negotiateContract(proposal); + const customer = await onboardCustomer(contract); + + await setupInitialProducts(customer); + await enrollInCrossSellingProgram(customer); + + return customer; +} + +export async function qualifyLead(lead: Lead): Promise { + const creditScore = await getCreditScore(lead.customerData); + const incomeVerification = await verifyIncome(lead.customerData); + const riskAssessment = await assessRisk(lead.customerData); + + return { + ...lead, + creditScore, + incomeVerification, + riskAssessment, + qualificationScore: calculateQualificationScore(creditScore, incomeVerification, riskAssessment) + }; +} + +export async function performComplianceScreening(lead: QualifiedLead): Promise { + const bsaCheck = await performBSAScreening(lead); + const ofacCheck = await performOFACScreening(lead); + const cddCheck = await performCDDScreening(lead); + const fairLendingCheck = await performFairLendingCheck(lead); + + return { + approved: bsaCheck.passed && ofacCheck.passed && cddCheck.passed && fairLendingCheck.passed, + checks: { bsaCheck, ofacCheck, cddCheck, fairLendingCheck }, + reason: getFailureReason([bsaCheck, ofacCheck, cddCheck, fairLendingCheck]) + }; +} + +// Product Development Processes +export async function developNewProduct(productConcept: ProductConcept): Promise { + const marketResearch = await conductMarketResearch(productConcept); + const competitiveAnalysis = await analyzeCompetition(productConcept); + const regulatoryReview = await performRegulatoryReview(productConcept); + + const productDesign = await designProduct(productConcept, marketResearch, competitiveAnalysis); + const complianceFramework = await buildComplianceFramework(productDesign, regulatoryReview); + + const pilot = await launchPilotProgram(productDesign, complianceFramework); + const pilotResults = await analyzePilotResults(pilot); + + if (pilotResults.success) { + const finalProduct = await finalizeProduct(productDesign, pilotResults.feedback); + await obtainRegulatoryApproval(finalProduct); + return await launchProduct(finalProduct); + } else { + throw new Error(`Pilot failed: ${pilotResults.failureReason}`); + } +} + +export async function optimizeProductOffering(product: Product, performanceData: ProductPerformance): Promise { + const upliftAnalysis = await analyzeUpliftPerformance(performanceData); + const customerFeedback = await collectCustomerFeedback(product); + const competitorBenchmark = await benchmarkAgainstCompetitors(product); + + const optimizationRecommendations = await generateOptimizationRecommendations( + upliftAnalysis, + customerFeedback, + competitorBenchmark + ); + + const updatedProduct = await implementOptimizations(product, optimizationRecommendations); + await validateComplianceAfterChanges(updatedProduct); + + return updatedProduct; +} + +// Revenue Generation Flows +export async function generateRevenue(customer: Customer): Promise { + const crossSellOpportunities = await identifyCrossSellOpportunities(customer); + const nextBestAction = await determineNextBestAction(customer, crossSellOpportunities); + + if (nextBestAction.offer) { + const deliveryResult = await deliverOffer(customer, nextBestAction.offer); + const conversionResult = await trackConversion(deliveryResult); + + if (conversionResult.converted) { + const revenue = await calculateRevenue(conversionResult); + await updateCustomerValue(customer, revenue); + return { success: true, revenue, conversionResult }; + } + } + + return { success: false, reason: 'No suitable offer or conversion failed' }; +} + +export async function identifyCrossSellOpportunities(customer: Customer): Promise { + const propensityScores = await calculateProductPropensities(customer); + const eligibilityChecks = await checkProductEligibility(customer); + const upliftPredictions = await predictOfferUplift(customer); + + const opportunities = propensityScores + .filter(score => eligibilityChecks[score.productType].eligible) + .map(score => ({ + productType: score.productType, + propensityScore: score.score, + upliftScore: upliftPredictions[score.productType], + eligibility: eligibilityChecks[score.productType] + })) + .sort((a, b) => b.upliftScore - a.upliftScore); + + return opportunities; +} + +export async function determineNextBestAction( + customer: Customer, + opportunities: CrossSellOpportunity[] +): Promise { + const contactHistory = await getContactHistory(customer); + const channelPreferences = await getChannelPreferences(customer); + const complianceConstraints = await getComplianceConstraints(customer); + + const filteredOpportunities = await applyContactFrequencyRules(opportunities, contactHistory); + const channelOptimizedOffers = await optimizeForChannel(filteredOpportunities, channelPreferences); + const compliantOffers = await filterForCompliance(channelOptimizedOffers, complianceConstraints); + + if (compliantOffers.length === 0) { + return { action: 'no-contact', reason: 'No compliant opportunities available' }; + } + + const bestOffer = compliantOffers[0]; + const offer = await generateOffer(customer, bestOffer); + const optimalChannel = await selectOptimalChannel(customer, offer); + + return { + action: 'make-offer', + offer, + channel: optimalChannel, + expectedUplift: bestOffer.upliftScore + }; +} + +// Operational Procedures +export async function processRealTimeDecision( + customerId: string, + context: DecisionContext +): Promise { + const startTime = Date.now(); + + try { + const customer = await getCustomerData(customerId); + const eligibleProducts = await checkRealTimeEligibility(customer, context); + + if (eligibleProducts.length === 0) { + return { + decision: 'no-offer', + latency: Date.now() - startTime, + reason: 'No eligible products' + }; + } + + const upliftScores = await calculateRealTimeUplift(customer, eligibleProducts, context); + const complianceCheck = await performRealTimeComplianceCheck(customer, upliftScores); + + if (!complianceCheck.approved) { + return { + decision: 'no-offer', + latency: Date.now() - startTime, + reason: complianceCheck.reason + }; + } + + const bestOffer = upliftScores[0]; + const offer = await generateRealTimeOffer(customer, bestOffer, context); + + await logDecision(customerId, offer, context, Date.now() - startTime); + + return { + decision: 'make-offer', + offer, + latency: Date.now() - startTime, + confidence: bestOffer.confidence + }; + } catch (error) { + await logError(customerId, error, context); + return { + decision: 'error', + latency: Date.now() - startTime, + error: error.message + }; + } +} + +export async function executeBatchCampaign(campaign: Campaign): Promise { + const audienceSize = campaign.audience.size; + const controlGroupSize = Math.floor(audienceSize * campaign.controlGroup.percentage); + const treatmentGroupSize = audienceSize - controlGroupSize; + + const controlGroup = await selectControlGroup(campaign.audience, controlGroupSize); + const treatmentGroup = await selectTreatmentGroup(campaign.audience, controlGroup); + + const complianceApproval = await validateCampaignCompliance(campaign); + if (!complianceApproval.approved) { + throw new Error(`Campaign compliance failed: ${complianceApproval.reason}`); + } + + const deliveryResults = await deliverCampaignOffers(treatmentGroup, campaign.offers); + const conversionTracking = await trackCampaignConversions(deliveryResults); + + const incrementalityResults = await measureIncrementality( + treatmentGroup, + controlGroup, + conversionTracking + ); + + return { + campaignId: campaign.id, + audienceSize, + treatmentGroupSize, + controlGroupSize, + deliveryResults, + conversionResults: conversionTracking, + incrementalityResults, + roi: calculateCampaignROI(incrementalityResults, campaign.costs) + }; +} + +// Decision-Making Workflows +export async function makeComplianceDecision( + decision: PendingDecision, + context: ComplianceContext +): Promise { + const regulatoryRequirements = await getRegulatoryRequirements(decision.type); + const riskAssessment = await assessComplianceRisk(decision, context); + const precedentAnalysis = await analyzePrecedents(decision); + + const complianceScore = await calculateComplianceScore( + decision, + regulatoryRequirements, + riskAssessment, + precedentAnalysis + ); + + if (complianceScore.score >= COMPLIANCE_THRESHOLD) { + const approval = await generateComplianceApproval(decision, complianceScore); + await logComplianceDecision(decision, approval, 'approved'); + return { approved: true, approval, score: complianceScore }; + } else { + const rejection = await generateComplianceRejection(decision, complianceScore); + await logComplianceDecision(decision, rejection, 'rejected'); + return { approved: false, rejection, score: complianceScore }; + } +} + +export async function optimizeModelPerformance( + model: MLModel, + performanceData: ModelPerformance +): Promise { + const driftAnalysis = await analyzeDrift(model, performanceData); + const fairnessMetrics = await calculateFairnessMetrics(model, performanceData); + const performanceMetrics = await calculatePerformanceMetrics(performanceData); + + if (driftAnalysis.driftDetected || fairnessMetrics.biasDetected || performanceMetrics.degraded) { + const retrainingData = await prepareRetrainingData(model, performanceData); + const retrainedModel = await retrainModel(model, retrainingData); + + const validationResults = await validateModel(retrainedModel); + if (validationResults.passed) { + const championChallengerTest = await runChampionChallengerTest(model, retrainedModel); + + if (championChallengerTest.challengerWins) { + await deployModel(retrainedModel); + await archiveModel(model); + return retrainedModel; + } + } + } + + return model; +} + +export async function manageExperiment(experiment: Experiment): Promise { + const experimentSetup = await setupExperiment(experiment); + const participantAllocation = await allocateParticipants(experimentSetup); + + const treatmentDelivery = await deliverTreatments(participantAllocation.treatmentGroups); + const controlMonitoring = await monitorControlGroups(participantAllocation.controlGroups); + + const dataCollection = await collectExperimentData(experiment, treatmentDelivery, controlMonitoring); + const statisticalAnalysis = await performStatisticalAnalysis(dataCollection); + + const significanceTest = await testSignificance(statisticalAnalysis); + const incrementalityMeasurement = await measureIncrementality(statisticalAnalysis); + + const result = { + experimentId: experiment.id, + duration: experiment.duration, + participants: participantAllocation.totalParticipants, + treatments: treatmentDelivery.results, + controls: controlMonitoring.results, + statisticalSignificance: significanceTest, + incrementalLift: incrementalityMeasurement, + recommendation: generateExperimentRecommendation(significanceTest, incrementalityMeasurement) + }; + + await archiveExperiment(experiment, result); + return result; +} + +// Helper function declarations (these would be implemented separately) +declare function getCreditScore(customerData: Partial): Promise; +declare function verifyIncome(customerData: Partial): Promise; +declare function assessRisk(customerData: Partial): Promise; +declare function calculateQualificationScore(credit: number, income: IncomeVerification, risk: RiskAssessment): number; +declare function performBSAScreening(lead: QualifiedLead): Promise; +declare function performOFACScreening(lead: QualifiedLead): Promise; +declare function performCDDScreening(lead: QualifiedLead): Promise; +declare function performFairLendingCheck(lead: QualifiedLead): Promise; +declare function getFailureReason(checks: ScreeningResult[]): string; +declare function conductMarketResearch(concept: ProductConcept): Promise; +declare function analyzeCompetition(concept: ProductConcept): Promise; +declare function performRegulatoryReview(concept: ProductConcept): Promise; + +// Constants +const COMPLIANCE_THRESHOLD = 0.8; +```