10173007An AI-powered interface to transform heterogenous financial behavioural data into actionable CPA-compliant insightsClosedFast Start ResponseInnovate UKCitizeniQ is an innovative AI-driven platform developed by The Wisdom Council, a female founded and majority female led UK-based SME, to help financial institutions better understand and support their customers through tailored, behavioural insights. This project focuses on accelerating the development of an AI interface that enables meaningful, contextualised engagement based on behavioural financial data. As regulatory pressures mount, particularly though initiatives such as the Financial Conduct Authority's Consumer Duty Act, financial organisations must enhance their understanding of customer needs and demonstrate accountability. CitizeniQ responds directly to this by offering institutions a plug-and-play solution that interprets behavioural data into semantically grounded insights which supports ethical, transparent and more inclusive financial decision-making. Unlike traditional platforms that focus narrowly on demographic or credit data, CitizeniQ's AI interface offers explainable, real-time interaction with behavioural analytics. This is a key differentiator for mid-size to large firms in the long-term savings and investment space, which often lack in-house data science teams but must still meet the same regulatory standards as the largest institutions. The project aims to improve financial outcomes and promote responsible innovation in the financial sector. CitizeniQ supports wider social goals such as improved financial capability, reduced inequality and more equitable service provision across income levels and demographics. CitizeniQ has the potential to deliver meaningful economic and societal impact by improving financial capability, strengthening customer engagement and reducing reliance on public safety nets. Through its innovative, data-driven approach, it sets a new standard for responsible financial services that empower individuals and help institutions meet regulatory obligations while fostering long-term resilience across communities.