Business Intelligence and Action Platform

Strengthen your SME portfolio.

Deepen & de-risk client relationships.

Help businesses thrive in an uncertain world.

FourTwoThree provides unprecedented AI-augmented visibility into the operation of specific small and medium businesses across every region and industry.

Fragmented data, manual reviews, and generic engagement leave most institutions acting on a fraction of what they know. FourTwoThree closes the gap — turning scattered insight into meaningful action for you and your clients.

Shaped in partnership with leading financial institutions closest to the challenge.

Co-creation partner

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Co-creation partner

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Co-creation partner

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HOW IT WORKS

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01. Real-world data

Most institutions already hold far more usable data than they realise — core banking, CRM, onboarding. FourTwoThree connects directly to those systems and enriches them with open and commercial datasets. Then, through guided SME-facing workflows adapted to each business type and sector, the platform captures what no internal system currently holds: operational, sustainability, and strategic data — shared willingly by clients who get immediate value in return.

01. Real-world data

HOW IT WORKS

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02. Mapped to the frameworks that matter

Every data point is mapped against recognised risk, resilience, and reporting frameworks — TCFD, PCAF, CSRD, and beyond. But frameworks aren't just for compliance. The same configurable structure powers lending assessments, credit decisions, portfolio screening, and due diligence — any decision that depends on evaluating a business against a set of criteria. Raw data becomes structured, auditable intelligence.

02. Mapped to the frameworks that matter

HOW IT WORKS

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03. Institutional intelligence

Manual portfolio reviews miss what matters. FourTwoThree's AI surfaces risks and decision-grade opportunities across your entire SME book — the kind of insight that doesn't emerge from spreadsheets or quarterly check-ins. Portfolio benchmarking, scenario planning, and business casing that previously took weeks become available on demand.

03. Institutional intelligence

HOW IT WORKS

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04. The right conversation, every time

Too often, relationship managers go into client meetings with a generic pitch and incomplete context. FourTwoThree turns portfolio intelligence into precise, targeted engagement — the right product and the right conversation for every client. SMEs share data because they get something genuinely valuable back. Your teams act on a richer, more complete picture of every relationship.

04. The right conversation, every time

HOW IT WORKS

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05. Resilient growth

Precise engagement produces tangible results. SMEs get support that fits their business: better terms, relevant products, timely interventions, and a clearer basis for decisions that compound over time. For your institution, that means reduced default risk, stronger sustainability metrics, regulatory readiness, and deeper client relationships that drive revenue growth. As each business becomes more resilient, your portfolio does too.

Real-world data becomes real-world growth.

05. Resilient growth

INSIDE THE PLATFORM

An experience SMEs actually use

Guided workflows adapt to each business type, sector, and the frameworks in scope — collecting exactly what's needed while giving SMEs immediate, tangible value in return. Data quality goes up because engagement is genuine.

Portfolio intelligence for your teams

Relationship managers, risk analysts, and programme leads see prioritised actions across their cohort — not raw numbers. Origination, risk management, and sustainability reporting work from the same living picture.

Track what matters, at scale

Monitor engagement, data quality, and outcome metrics across the portfolio. Identify which businesses are progressing, which need a nudge, and where the biggest gains are — in real time.

A connected ecosystem

The platform is designed to accommodate a marketplace of targeted products and services from across your network — insurers, advisors, and specialist providers reaching the right businesses at the right time, powered by the structured data already in the system.

Flexible by design. Built to institutional standards.

Designed by banks, for banks

The platform was built in collaboration with financial institutions, aligned to the governance standards they hold themselves to, with SOC 2 Type II and ISO 27001 certification currently underway.

Controlled, permissioned access

Every data point is permissioned at source. SMEs, banks, insurers, and partners exchange data through explicit, revocable grants — not blanket access.

Configurable frameworks

Define any assessment — regulatory, credit, sustainability, operational — as a configurable framework. New requirements become new configurations, not new projects.

Modular & white-label ready

Deploy the full platform or select modules. Integrate via APIs into existing systems. Configure to match your brand, content, and compliance requirements.

Physically isolated tenancy

Every customer environment runs on its own dedicated database and infrastructure — not shared tables with row-level filters. Your data is architecturally separated from every other institution on the platform.

Decision-support & orchestration

AI identifies and prioritises the next best steps for each SME — validated continuously as data evolves — so guidance stays relevant and your teams always know what to recommend.