NOVA is a sovereign, on-premises multi-agent AI platform that solves the five structural barriers preventing GCC Tier-1 banks from deploying GenAI at scale — Arabic accuracy, data sovereignty, use case paralysis, governance gaps, and ROI capture.
Powered by Mastercard Advisors · CBUAE & SAMA compliant · On-premises LLM stack · Full Arabic RTL
Every GCC Tier-1 bank has identified 20–40 GenAI use cases. None have more than 2 in production. Five structural barriers are the reason — and NOVA closes all five simultaneously.
Each agent is purpose-built for a specific GCC banking workflow. Together, they form a fully integrated intelligence layer across customer service, compliance, portfolio management, strategy, and governance.
Resolves customer disputes in Gulf Arabic — autonomously.
Call centre agents handle 1,200 Arabic disputes/day at AED 85 per case. 38% require escalation due to dialect misunderstanding.
ARIA resolves 74% of disputes autonomously in the customer's dialect. Call volume drops 38%. Cost per resolution: AED 4.
Turns CBUAE & SAMA circulars into board-ready briefings in seconds.
Compliance teams spend 3–4 weeks per regulatory change. Board briefings are written manually, often missing cross-system impact.
COMPASS ingests every CBUAE/SAMA update, maps impact across all AI systems, and generates a board memo in under 60 seconds.
Sees fraud clusters and attrition signals before they cost you.
Fraud detection runs overnight batch jobs. Attrition models are refreshed monthly. Revenue leakage is identified weeks after it begins.
LENS delivers real-time fraud cluster maps, 10 highest-risk cards ranked daily, and AED 22.6M in cross-sell opportunities surfaced per cycle.
Converts a bank profile into a ranked GenAI roadmap in 90 seconds.
Strategy consultants spend 6–9 months and AED 2–4M to produce a GenAI roadmap. Output is a slide deck — not an executable plan.
PATHWAY ingests 12 bank parameters, scores 40 use cases on value vs. feasibility, and outputs a fully costed 18-month implementation plan.
SAMA MRM reports, bias scorecards, and model drift alerts — automated.
Model Risk Management reports take 6–8 weeks per model. Bias audits are manual. Regulators have no real-time visibility into AI decisions.
GUARDIAN maintains a live model registry, generates SAMA MRM reports on demand, and provides an immutable audit trail for every AI decision.
Every NOVA agent is backed by a fully costed business case with conservative assumptions validated against live GCC banking benchmarks.
| Use Case | Investment | Year 1 ROI | Year 2 ROI | Year 3 ROI | 3yr NPV | Payback |
|---|---|---|---|---|---|---|
| ARIA — Arabic Dispute Resolution | AED 1.2M | AED 4.8M | AED 12M | AED 12M | AED 28M | 1.2 mo |
| COMPASS — Regulatory Intelligence | AED 0.8M | AED 1.6M | AED 4M | AED 4M | AED 9M | 2.4 mo |
| LENS — Portfolio & Fraud | AED 1.5M | AED 10.5M | AED 26.4M | AED 26.4M | AED 62M | 0.7 mo |
| PATHWAY — Use Case Roadmap | AED 0.6M | AED 1.2M | AED 3.2M | AED 3.2M | AED 7M | 2.3 mo |
| GUARDIAN — AI Governance | AED 0.9M | AED 1.8M | AED 4.8M | AED 4.8M | AED 11M | 2.3 mo |
| TOTAL | AED 5M | AED 19.9M | AED 50.4M | AED 50.4M | AED 117M | 1.8 mo avg |
All figures in AED. Based on Emirates NBD reference architecture (4.2M cardholders, AED 85B portfolio). Conservative assumptions validated against GCC banking benchmarks.
NOVA runs entirely on-premises within the bank's sovereign infrastructure. No customer data, transaction records, or model outputs are transmitted to external clouds. Every decision is logged in an immutable audit trail accessible to CBUAE and SAMA examiners.
A structured three-phase deployment that de-risks the programme, delivers measurable ROI from Month 7, and achieves full cross-agent orchestration by Month 18.
Explore all five agents, interact with live LLM-powered demos, and see the full business case — built specifically for your institution.
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