Reimagining family wealth management using Transformation Intelligence
Retail, wealth and proposition leaders protecting multi-generational relationships.
Help your family buy their first home, together.
A grandmother helps her granddaughter onto the housing ladder. Four family members give what they can, in one place, and the deposit reaches the solicitor in time for completion. Everyone can see what happened, and the family keeps a complete record.
Today
With Family Wealth Hub
Who is involved
The scenario. A grandmother wants to gift 25,000 pounds toward her granddaughter's first house. Four family members each contribute different amounts. The family want transparency, tax awareness, fraud protection and complete evidence.
For the bank: retain family deposits, originate the next relationship and reduce the cost of governed family servicing.
Underneath, every part of this is one connected model. It starts with the decisions, and everything else is a view of them.
Transformation Intelligence starts with decisions. Everything else exists to enable, constrain or evidence them.
Executive decision
Decide whether to offer a governed family gifting and shared-goal proposition.
Decision catalogue
Recognise connected but independently governed customers without merging legal ownership.
Impersonation or coercion of a family member.
Connected to: capabilities knowledge architecture AI evidence
Let four family members contribute different amounts under declared authority.
Contribution beyond authority or unclear source of funds.
Connected to: capabilities knowledge architecture AI evidence
Confirm the gift is allowed, from whom, and for the declared purpose.
Gift used for an undeclared or prohibited purpose.
Connected to: capabilities knowledge architecture AI evidence
Screen contributors and source of funds before money moves.
Money laundering or sanctions breach.
Connected to: capabilities knowledge architecture AI evidence
Present Inheritance Tax guidance where the gift may create a liability.
A family acts without understanding a tax consequence.
Connected to: capabilities knowledge architecture AI evidence
Release pooled funds to the solicitor once every prior decision holds.
Premature or misdirected release of funds.
Connected to: capabilities knowledge architecture AI evidence
Assemble every prior decision and its evidence into one defensible pack.
Evidence incomplete when the board or regulator asks.
Connected to: capabilities knowledge architecture AI evidence
Click any artefact your organisation already produces. Because they are all generated from one model, they are connected rather than isolated.
Measures
Owner: Wealth proposition. Maturity: emerging.
Owner: Financial crime. Maturity: established. Shared. Payments, Mortgage and Onboarding reuse this.
Owner: Payments. Maturity: established.
Owner: Payments. Maturity: established.
Owner: Wealth proposition. Maturity: emerging.
Owner: Risk and governance. Maturity: established.
Owner: Wealth advice. Maturity: emerging.
Knowledge objects
Policies
Regulations
| Decision | Human | AI | Evidence |
|---|---|---|---|
| Can this person join the family group? | Relationship manager | Gifting rules assistant | Identity and relationship records |
| Can this person contribute to the gift? | Relationship manager | Contribution summary assistant | Contribution records |
| Is the gift permitted? | Proposition owner | Gifting rules assistant | Gift letter |
| Should AML checks be performed, and do they pass? | Financial crime analyst | Behaviour monitoring assistant | AML and sanctions clearance |
| Is tax guidance required, and has it been shown? | Compliance officer | Gifting rules assistant | Tax guidance shown |
| Can funds be released to the solicitor? | Relationship manager | Deposit source assistant | Contribution records |
| Can the evidence be archived as one immutable record? | Compliance officer | Evidence pack assistant | Complete evidence pack |
Every AI interaction references the knowledge graph and produces evidence. A human remains accountable for each decision.
Every artefact on this page exists because it is generated from the same underlying model.
| Intelligence | Artefact on this page |
|---|---|
| Decision | The decision catalogue |
| Value | Objectives and measures |
| Experience | Personas and journey |
| Process | The sequence of decisions |
| Capability | Capability map |
| Knowledge | Decision-centred knowledge graph |
| Cognitive | AI opportunity table |
| Architecture | Application, API and event layers |
| Accountability | Accountable owner and evidence |
Proof is not a slide deck. It is a growing body of connected evidence.
A new UK Digital Gifting Regulation is introduced. Because every artefact is derived from the decisions, the model shows the impact before anyone starts building.
Affected decisions: Is the gift permitted? · Is tax guidance required, and has it been shown? · Can the evidence be archived as one immutable record?
Tell us the proposition, architecture decision, or transformation problem you are facing. We will tell you, honestly, whether and how we can help.
Discuss a challengeLiving models and Field Notes on the future of banking. Published when the model changes, not on a schedule.