← AivaCore portfolio Decision layer · In reserve

Product decisions banks can defend

Every bank knows which products it sells. Far fewer can say which ones earn their place, which are quietly subsidised by the rest, and what would have to be true for the next bet to work. EvoluWise makes that conversation possible — with evidence, and with a memory.

For Head of products · Retail banking Status Prototype built · V0 in design Part of the AivaCore group
The problem

The decision gets made anyway

A product committee meets, opinions are exchanged, a call is made. Six months later nobody remembers what the decision assumed — only whether it worked.

How it goes today

  • Profitability is known at the bank level, rarely at the product level
  • Each department arrives with its own numbers and its own definition of success
  • The loudest case wins, not the best-evidenced one
  • Assumptions stay implicit, so they are never tested afterwards
  • The same debate reopens a year later, from zero

What EvoluWise changes

  • One shared read of the portfolio, built from the bank's own data
  • Assumptions written down before the decision, not reconstructed after
  • Scenarios compared on the same basis, with their conditions visible
  • A record that survives the meeting and the reorganisation
  • The gap between what was promised and what happened, measured
How it works

From portfolio to decision, with a trail

DIAGNOSE

See the portfolio as it is

Each product read on the same basis — what it costs to run, what it brings in, who it actually serves.

FRAME

Name what must be true

Turn an intention into conditions: the volume, the margin, the adoption a decision depends on.

COMPARE

Test the options side by side

Keep, rework, merge or stop — each option carrying its own assumptions rather than a single forecast.

REMEMBER

Keep the record

What was decided, on what basis, and what the reality turned out to be. The next decision starts from there.

Who it is for

The people in the product committee

EvoluWise is not a reporting tool for analysts. It is built for the room where the decision is actually taken, and for the disagreements that happen in it.

Head of products

Owns the portfolio and the arbitration. Needs a defensible basis, not a slide.

Marketing

Brings adoption reality and customer segments into the same frame as the numbers.

Finance

Wants product-level economics that hold up when challenged.

Risk & compliance

Needs the conditions and the constraints written down before, not discovered after.

Where it stands

Built enough to show, not to sell yet

What exists

A working prototype, a canonical model of how a portfolio decision is structured, and the reference documents behind it.

What is next

V0 in design, and validation conversations with banks and with the vendors already serving them — because that is how this product reaches a bank.

What we are honest about

No client yet. The economics are estimates, not measured cohorts. We would rather say that than discover it in a pilot.

The first engagement is a paid diagnosis on a real portfolio — small, bounded, and useful on its own even if nothing else follows.
Let's talk

Bring us one
product decision

The one that keeps being postponed, or the one nobody agrees on. That is the right place to start.

Emailsaima@aivacore.com Phone+216 26 506 250
WhereTunis, Tunisia — serving Tunisia and MENA