AI that talks to your customers about money.
We design and build customer-facing AI for lenders and fintechs, grounded in over a decade running credit risk and data. Led by Chris Courtney, a former fintech SVP and behavioral scientist who still writes the code.
- What it knowsAccount standing and which hardship options this customer qualifies for.
- What it may not sayNo promises about credit score impact.
Shame drives silence. Normalize first, then offer a few clear choices, not a menu.
The agent, and everything underneath it.
A customer-facing agent in finance is only as good as the credit, data, and policy beneath it. We work on all of it.
Customer-facing AI
Agents that talk to customers about money: what they know, what they may say, and how they hold up in review.
- What the agent knows, and what it may say
- Policies and evals that hold up in review
- Behavioral design for real money decisions
- The production code itself
Credit and risk
Who to lend to, on what terms, and how you will know it is working. Credit models, underwriting strategy, and cash flow data.
Data strategy
What to measure, what to build, and who to hire first. For teams that have data but not yet answers.
Three ways in.
Scoped to where you are, from a first diagnostic to an ongoing seat at the table.
Diagnostic
A fixed-scope review of your AI, credit, or data initiative. You get a clear read on what is working and a prioritized plan. Weeks, not months.
Fractional leadership
A part-time head of AI, data, or risk for teams not ready for a full-time hire. Strategy, hiring, and hands-on work on a monthly retainer.
Design and build
We design the system and write the production code. Agents, models, or pipelines, built from one mental model.
Rare expertise. Direct access.
Vive is led by Dr. Christopher Courtney, behavioral scientist and fintech executive. Chris spent over a decade as a leader in consumer finance, owning credit risk, data science, BI, analytics, and UX research. He took a consumer lender from pre-product through unicorn valuation to acquisition by a global asset manager.
Vive is built for consumer finance companies at every stage. Early-stage teams get senior judgment before they can hire for it. Growth-stage teams get strategy that holds up in production.
When you engage Vive, you work directly with Chris. The person shaping the strategy is the same person building the models and writing the code. No layers. No dilution.
Cross-functional fluency
Fluent across data science, engineering, product, risk, legal, and compliance. We speak every stakeholder’s language.
Regulated environments
Consumer lending and payments. Spaces where the cost of a wrong answer is set by regulators, not retries.
Behavioral science
A PhD in cognitive neuroscience, applied to how people actually decide about money under uncertainty.
If this sounds like the right kind of problem,
tell us about it.
We’ll follow up with a concrete first step. Not sure where to start? The diagnostic is built for that.