Q4 2026 pilot cohort. Applications close 30 September 2026.

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Q4 2026 pilot cohort. Applications close 30 September 2026.

Product

Solutions

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Solutions / Private banks

Every relationship manager, held to the same standard.

Forty relationship managers means forty standards of client understanding and forty qualities of evidence. Luscent makes that variance visible before an audit or a resignation makes it visible for you.

Pilot
90 days, free
Seats
3 to 5
Data
EU only
Writes back
Nothing

What this book looks like from here.

01

The variance is invisible until it is expensive.

Your strongest and weakest coverage produce the same CRM record. The difference surfaces at an audit and at a resignation.

02

The record shows activity, not understanding.

What happened and when is in the system. Whether anyone noticed the client's circumstances change is in the mailbox.

03

Evidence is reconstructed, not kept.

Suitability files get assembled after the fact, from memory, unevenly across the population.

19%
of high-net-worth clients now hold an exclusive relationship with a single firm, down from 39 percent in 2019.
Capgemini World Wealth Report 2026 (6.510 HNW clients, 27 markets)
Fig. 1Relationship Intelligence for Private Banks | LuscentThe share of high-net-worth clients holding an exclusive relationship with a single firm fell from 39 percent in 2019 to 19 percent in 2025, a fall of 20 percentage points. Source: Capgemini World Wealth Report 2026.01020304050PER CENT OF CLIENTS39% in 201919% in 202520 points in six years
Exclusive single-firm relationships among high-net-worth clients, 2019 against 2025. The number above is the left-hand end of this line.

What it looks like on the day.

Three pieces of the product, at the sizes they render at. Synthetic data throughout: every name and figure below is invented.

Signal feed2 today
Rosendahl Holding91%

The last three exchanges were all opened by the client.

Microsoft 365 · 3 messages · 14 days
Book a review before the quarter closes
Routed to M. Lindqvist
Bergström, K.78%

A fee question has gone unanswered for nine days.

Microsoft 365 · 1 message · 9 days
Signals arrive in order of what needs attention, each one opening onto the exchange it came from.
Health Score
62down 11 in 30 days
Response time doubled; no meeting booked since April.
Every Health Score resolves to the movement behind it, so it survives a supervision conversation.
Evidence

Suitability evidence written at point of advice

MiFID II · rule fired
17.06.2026 09:41 · deterministic
Compliance outcomes come from rules, never from a probability, and the rule that fired is on the record.

Two engines, and a rules core that never guesses.

The three things you just saw, and where each of them comes from.

A Signal carries a confidence because a model produced it. A compliance outcome carries the rule that fired and no confidence at all, because a regulatory result is not a guess. Tabular models are on the roadmap and are drawn that way.

What is connected, and what is not.

Microsoft 365 and Salesforce are live today. The two drawn dashed are on the roadmap and are not shipped. We would rather tell you that than let you assume otherwise. Nothing is written back into any of them: Luscent reads, and your systems of record stay exactly as they are.

Where this sits against the rules.

Fig. 2Relationship Intelligence for Private Banks | LuscentThe same communications feed two paths. A language model produces a Signal, which carries a numeric confidence and decides nothing. A deterministic rules engine, fed by MiFID II Article 25, GDPR Articles 28 and 32 and EU AI Act Article 50, produces a compliance record, which carries no confidence because a rule has none, and names the rule that fired. A named person decides on both paths.CommunicationsMail, calendar, meetingsYou already have themLanguage modelProbabilisticSignalCarries a confidence: 91Decides nothing.Puts it in front ofa person.Rules engineDeterministicCompliance recordCarries no confidenceA rule has noneto carry. The rulethat fired is named.MiFID II Art. 25 · GDPR Art. 28 and 32 · EU AI Act Art. 50
One body of communications, two paths out of it. The Signal carries a number because a model produced it. The record carries none, because a rule has none to carry, and it names the rule that fired.
MiFID II
Article 25
Suitability evidence generated as advice happens, with its source attached.
DeterministicTimestamped suitability record with the advice, its basis and the client circumstances relied on
GDPR
Articles 28 and 32
Processed and stored in the EU. Paris primary, Warsaw disaster recovery.
DeterministicProcessing record with lawful basis, retention and location
EU AI Act
Article 50
Model outputs labelled and sourced. A named person decides.
DeterministicOutput marked as model-generated, with the person who decided

This describes what Luscent does, not what your firm is obliged to do. It is not legal or compliance advice. The platform generates evidence and surfaces Signals; decisions remain with the firm and its professionals at all times.

Who asks what.

Fig. 3Relationship Intelligence for Private Banks | LuscentHead of Private Banking, Chief Operating Officer, Chief Information Officer, Chief Compliance Officer, Relationship manager. Each holds a different concern and the deal advances only when the last of them is satisfied.Head of PrivateBankingTheir working dayChief OperatingOfficerContinuityChief InformationOfficerYour systemsChief ComplianceOfficerDeterminismRelationship managerFairness to themTHE DEAL ADVANCES WHEN THE LAST OF THESE IS SATISFIED, NOT THE FIRSTEach answered below
The seats that have to be satisfied, and the concern each one carries. Every question below is the first thing that seat asks.
Head of Private Banking#leadership
Does this change what my relationship managers do all day?
No. Luscent reads the mail and calendar they already produce and puts what needs attention at the top of one list. There is no daily form to fill in and no new record to keep.
Chief Operating Officer#operations
What happens to the understanding when a relationship manager resigns?
It stays with the firm. Every Signal, Health Score and piece of evidence attaches to the client rather than to the person who happened to hold the relationship.
Chief Information Officer#technology
What do you write into my systems?
Nothing. Luscent reads from Microsoft 365 and Salesforce and writes back into neither. Remove Luscent and your systems of record are exactly as they were the day before.
Chief Compliance Officer#compliance
Can a model decide whether we were suitable?
No. Compliance outcomes come from a deterministic rules engine, so the same input produces the same result every time and the rule that fired is on the record with its source.
Relationship manager#adviser
Is this scoring me?
It scores the relationship, not the person. A Health Score resolves to the movement behind it, which makes it a conversation about a client rather than a verdict about you.

Where this gets it wrong.

Every firm evaluating this has been shown a confident wrong answer by something before. So the limits are on the page rather than in the room, and each one names the control that catches it.

Fig. 4Relationship Intelligence for Private Banks | LuscentLuscent reads mail, calendar, meetings and CRM records. Telephone calls, conversations in person, personal channels and anything on a system it is not connected to are outside what it can see. Deterministic outcomes are exact and carry no confidence; probabilistic Signals carry a number; anything outside the boundary carries nothing because it is not there.WHAT IT READSMailCalendarMeetingsCRM recordsINVISIBLE TO ITTelephone callsCorridor conversationsPersonal channelsAnything not connectedDeterministic outcomes are exact and carry no confidence. Probabilistic Signals carry a number.Anything in the right-hand box carries nothing at all, because it never reached the system.
The edge of what the system knows. A relationship conducted outside the left-hand box does not appear in it at all, and no confidence number is attached to something that never arrived.
Confidence is a number, not a feeling.
Every probabilistic Signal carries a numeric confidence on its face. Deterministic outcomes carry none, because they have none to state: the same input produces the same result every time.
It reads what it is connected to, and nothing else.
A relationship conducted by telephone, in person, or on a channel Luscent does not read is invisible to it. The systems drawing above is the whole of what it can see.
It surfaces, it does not decide.
No Signal approves advice and no score authorises an action. Every consequential decision is taken by a named person, and the record says who.
It will be wrong, and the pilot counts it.
False positives are reviewed weekly with your compliance function during the pilot, and the rate is one of the success metrics agreed before day one rather than something discovered at the end.
A thin month is a thin month.
The representation of a relationship accumulates from your own communications. Month six is worth considerably more than month one, and no amount of capital shortens that for anyone.

What your outsourcing officer needs.

Whether a deployment is a critical or important function is your firm's classification to make, and your outsourcing officer owns it. What we can do is put the facts that classification turns on in one place, before you have to ask for them.

Fig. 5Relationship Intelligence for Private Banks | LuscentLuscent writes nothing into your systems, takes no decision and produces no client-facing output. Those three facts hold today. Whether a deployment is a critical or important function remains your firm's classification to make, and your outsourcing officer owns it.01Does it write into yoursystems?No02Does it take a decision?No03Does it produceclient-facing output?NoYour firmclassifies.We publish the facts.Your officer owns it.All three answers hold today and are checkable in the table below and in the Trust Center.
The three questions an outsourcing review opens with, and the answers that hold today. The fourth box is not an answer on purpose: the classification is the firm's, and a vendor drawing it as settled would be overreaching.
Written back into your systems
Nothing
Fact
Decisions taken by the system
None. A named person decides.
Fact
Output shown to your clients
None. Luscent is used by your staff.
Fact
Client data location
European Union only. Paris primary, Warsaw recovery.
Fact
Sub-processors with access to client data
One. The full list is published.
Fact
Training on client data
None.
Fact
Security certification held
None. Controls aligned to ISO/IEC 27001:2022; certification planned 2027.
Fact
Audit and inspection rights
Your firm, its statutory auditor and its competent authority.
Position
Transition assistance on exit
Twelve months.
Position
Material sub-contracting
Prior written approval.
Position
Register of Information data sheet
Provided on request, in the fields you have to file.
Position

Fact means true today and checkable, here or in the Trust Center. Position means the stance Luscent takes into a negotiation; it binds nobody until it is in a signed agreement. The clause set behind the second group is Article 30 of Regulation (EU) 2022/2554.

Read the full Trust Center

Whether this is a fit.

Built for
Banks running Microsoft 365, with or without Salesforce
Books where several relationship managers cover the same client type
Firms whose compliance function already asks for suitability evidence
Not built for
Firms looking to replace core banking or CRM
Firms wanting the system to make or approve an advice decision
Books held entirely outside the systems we read from

The pilot is ninety days, free, with three to five relationship managers, starting on synthetic data. Success metrics are agreed before day one, so at the end there is something to judge rather than an impression.