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Industries · Banks and finance

Your circulars, answered with the circular number and page.

Super Intelligence (SI) on a server inside the bank: branch, credit and compliance staff ask in Bangla or English and get the answer with its source. Customer data stays in the building, as Bangladesh Bank's cloud guideline expects.

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A question from a branch becomes a sourced answer in seconds; a compliance officer still confirms before it reaches a customer.

The sentence we hear

“Head office sends a circular every week. By the time it reaches the branch, three people have read it three different ways.”Head of branch operations

The operating reality

Where the time goes, and what the rules allow

A bank runs on paper that changes weekly: Bangladesh Bank circulars, the bank's own circulars and office orders, product programme guidelines, the credit policy, the schedule of charges, the KYC manual. Staff keep private folders and ask the compliance or credit team by phone. The answer depends on who picks up, and nobody can show where it came from. Finance companies work from the same kinds of documents with smaller teams.

The rules shape the answer. Under Bangladesh Bank's cloud guideline of March 2023, customers' financial data may not sit in a cross-border public or hybrid cloud without the central bank's prior approval, so pasting documents into public AI tools is not an option for most of a bank's files. Bangladesh Bank's ICT security guideline (current version) sets the controls a new system must meet, the Personal Data Protection Act 2026 adds consent, security and breach duties, and the banks named critical information infrastructure carry the Cyber Security Act 2026's audit duties as well. Every legal reading here is a summary; your counsel confirms it.

Bahlul SI answers this reality with one server in the bank's own building, or in a Bangladesh data centre. It answers from the circulars, manuals and policies the bank loads, in Bangla and English, names the circular and page every time, answers only from files the person asking may open, and keeps a log. The first phase uses no customer files at all.

The five operations

1

Circulars and policy

The sentence we hear

“Which circular applies to this account, and what does it actually say?”

The problem

Circulars arrive from Bangladesh Bank and from head office every week, and older ones are amended rather than withdrawn. A branch officer searching a shared drive finds four versions and picks one. The compliance team answers the same question by phone twenty times a day.

What changes
  • Staff type the question the way they speak, mixed Bangla and English included.
  • Bahlul SI answers from the circulars, office orders and policies the bank loaded, and names the circular number, date and page.
  • When a circular has been amended, the amending circular is cited beside it, so the reader sees both.
  • When the documents do not hold the answer, it says so instead of guessing.
  • Every question is logged with the user, the time and the sources used.
What stays with a person
A named compliance officer confirms any answer that changes what a customer is told or how a transaction is handled.
The result
The same sourced answer at every branch in seconds, and a compliance desk that answers new questions instead of repeated ones.
Every branch gets the same sourced answer from the current circular; compliance confirms before it is acted on.
Start withSI briefing with a live demo, BDT 1 lakh, then a three-week SI proof on about 200 circulars, BDT 5.5 lakh.

Draws on

Bahlul SIData
2

Product manuals and the schedule of charges

The sentence we hear

“A customer is at the counter asking about the fee on this account. Where is the latest schedule?”

The problem

Product manuals, the schedule of charges and the deposit and loan product sheets are long, change with each repricing, and sit in several formats. Counter staff and the call centre answer from memory or put the customer on hold while someone searches.

What changes
  • Counter and call-centre staff ask about fees, conditions, eligibility and documents for any product the bank sells.
  • The answer comes from the current product manual and schedule of charges, with the page, so the staff member reads the exact line to the customer.
  • Branch and call centre see the same documents, so they give the same answer.
  • Questions the manual does not answer are logged, and the product team sees what customers keep asking.
What stays with a person
The product team owns the documents; a branch officer still reads the answer before quoting a fee or a rate.
The result
Shorter queues and fewer wrong quotes, measured against the calls and hold time counted before the proof.
The counter gets the fee, the condition and the page while the customer waits; the officer reads it before answering.
Start withThree-week SI proof on the product manuals and the schedule of charges, BDT 5.5 lakh; later, customer chat in Bangla as an SI pilot, from BDT 32 lakh.

Draws on

Bahlul SISkills
3

Credit policy and loan procedures

The sentence we hear

“Does this proposal need head office approval, and which documents must be in the file?”

The problem

The credit policy, product programme guidelines, delegation of approval limits and the loan documentation checklist run to hundreds of pages. A relationship officer at a district branch asks a senior colleague, gets it wrong, and the file comes back from head office two weeks later.

What changes
  • Officers ask about eligibility, security requirements, approval limits and the documents a loan type needs.
  • The answer quotes the credit policy or the product programme guideline, with the clause and the page.
  • The answer draws only on policies and guidelines, never on a customer's file, in the first phase.
  • Credit administration sees in the log which clauses are asked about most, and rewrites the ones that confuse.
What stays with a person
Credit decisions stay with the credit officer and the committee; Bahlul SI shows the rule, not the verdict.
The result
Fewer files returned for missing documents, and the same reading of the credit policy at every branch.
The officer gets the policy clause and the documentation checklist before the file leaves the branch; the credit officer still decides.
Start withThree-week SI proof on the credit policy and product programme guidelines, BDT 5.5 lakh; then an SI server set-up, from BDT 14 lakh.

Draws on

Bahlul SI
4

KYC and anti-money-laundering procedures

The sentence we hear

“Which documents does this type of customer need to open an account, and when is enhanced due diligence due?”

The problem

Account opening rules depend on the customer type, the risk grade and the latest anti-money-laundering circulars. The KYC manual, the circulars and the bank's own forms do not always agree, and the branch finds out at the compliance review.

What changes
  • Staff ask which documents, forms and checks apply to a customer type, in Bangla or English.
  • The answer comes from the bank's KYC manual, the anti-money-laundering circulars and the account opening procedures, with the page.
  • Where a circular and the manual differ, both passages are shown, so the officer sees the conflict.
  • Requests for another customer's data are refused; the server answers from procedures, not from customer records.
What stays with a person
The compliance officer decides on enhanced due diligence and on any case the manual does not cover.
The result
Fewer accounts opened with missing documents, and compliance findings that fall instead of repeating.
The branch gets the document list for the customer type with the manual page; compliance signs off on anything unusual.
Start withSI proof on the KYC manual and anti-money-laundering circulars, BDT 5.5 lakh; the data protection readiness package, BDT 9.5 lakh, before any customer data is added.

Draws on

Bahlul SIData
5

Audit, inspection and ICT security evidence

The sentence we hear

“The inspectors want the policy, the approval and the evidence for this control by Thursday.”

The problem

Internal audit, Bangladesh Bank inspections and the yearly ICT security review all ask the same thing: show the policy, the procedure and the record. The ICT and operations teams spend days reassembling evidence that exists but is scattered across drives, mail and paper.

What changes
  • The ICT, risk and audit teams ask for the policy, procedure or approval behind a control, and get the document and page.
  • Draft evidence lists cite each source, so the reviewer checks the page rather than a memory.
  • The SI server's own log becomes part of the evidence: who asked what, and from which documents.
  • Before go-live the new server passes a penetration test with a certified testing firm, and the report joins the evidence pack.
What stays with a person
The head of ICT or the chief information security officer approves every evidence pack before it leaves the bank.
The result
Inspection evidence assembled in hours rather than days, with a page reference behind every line.
The team assembles the policy, the procedure and the record with page references in hours; the head of ICT approves what goes to the inspectors.
Start withPenetration test of the new SI server with a certified testing firm, BDT 4.5 lakh a test; cyber readiness and evidence pack, BDT 9 lakh, five to six weeks.

Draws on

Bahlul SISecurity

What comes next

After the first operation

Prove

SI proof on your circulars

Three weeks, about 200 questions from your own circulars and manuals, scored by two native Bangla reviewers. BDT 5.5 lakh.

Own

SI server set-up

On a server the bank buys, in the bank's building, accepted on the test you approved. From BDT 14 lakh, six to eight weeks.

Protect

Security test before go-live

A penetration test of the new server with a certified testing firm, and the evidence pack your inspectors ask for.

Run

SI support or managed SI operations

Your IT team runs it with our support, BDT 90,000 a month, or we run it with a monthly Bangla re-test, BDT 1.8 lakh a month.

FAQ

Questions we are asked

Does customer data leave the bank?

No. The server sits in your building or a Bangladesh data centre, the first phase uses circulars, manuals and policies rather than customer files, and the founders abroad see client data only with your written consent.

What will Bangladesh Bank want to see?

That is for your compliance team and counsel to confirm. What we provide: a server inside the bank, access tied to your staff accounts, a log of every question, a Bangla test record against a pass mark you approved, and a penetration test report from a certified testing firm.

How many users can one server serve?

A Team configuration with one 32 GB card serves up to about 50 named users, a Department configuration a few hundred, and a Company configuration with two 96 GB cards 1,000 or more. The load test in the SI proof confirms the number before you buy.

Bring ten circulars

The first call is free. Bring the circulars your branches ask about most, in Bangla or English, and one workflow you would like to prove. A half-day briefing shows Bahlul SI answering from them. The reference design for rural branches shows how it runs where the link drops.

Start your first stepSee the pricesThe first call is free · Bangla or English