All use cases
Every H2O use case, by industry.
140 use cases
| What it does | Open | ||
|---|---|---|---|
| Account opening and card issuing | AI models that predict which account or card fits each applicant, check credit risk in real time and flag likely drop-off during digital onboarding. | Financial Services | |
| Accounting and auditing | AI accounting and auditing scores every journal entry and balance for unusual patterns, so auditors test the riskiest items first instead of a random sample. | Financial ServicesInsurance | |
| Agent and broker performance and next best action | Predictive models that score leads, compare producer performance, and suggest a next best action for each agent, broker or household, with reasons attached. | Insurance | |
| Anti-money laundering | AI anti-money laundering scores transaction monitoring alerts, surfaces laundering patterns that rules miss, and gives investigators a reason for every score. | Financial Services | |
| Application and account opening fraud | Application and account opening fraud detection scores each application for stolen identities, synthetic identities and mule risk before the account opens. | Financial ServicesTelecommunicationsInsurance | |
| Assembling prior authorization requests | An AI agent gathers chart documentation, matches it to payer criteria, and drafts the prior-authorization request for a person to review and submit. | Healthcare | |
| Assembling the case and drafting the SAR narrative | An AI agent gathers the evidence behind a fraud or money-laundering alert, builds the case timeline, and drafts the SAR narrative for your analyst to review. | Financial Services | |
| Assortment optimization | Machine learning predicts which items will sell at each store from past sales, space, local trends and weather, so you stock what sells and mark down less. | Retail and CPG | |
| Automated underwriting risk scoring | Automated underwriting risk scoring scores each new insurance application and explains it, so your underwriter decides with the reasons in front of them. | Insurance | |
| Bank statement and audit confirmation validation | Validate bank statements, audit confirmations and invoices with AI: check each value against your general ledger and send only differences to a person. | Financial Services | |
| Beneficial ownership intelligence | Beneficial ownership intelligence reads corporate documents and registry records, resolves the entities behind them, and shows the ownership chain for review. | Financial Services | |
| Benefits claims and constituent case management | AI reads benefits claim documents, checks them for completeness, assembles the case file, and cites policy, while your caseworker decides eligibility. | Government | |
| Biomedical literature and knowledge graph synthesis | AI biomedical literature synthesis reads publications and internal reports, maps genes and targets, and answers questions with a citation for each statement. | Life Sciences | |
| Bond pricing and performance | AI bond pricing uses machine learning to predict fair reference prices and spreads for bonds that trade rarely or in volatile markets. | Financial Services | |
| Buy now, pay later (BNPL) credit risk | Machine learning scores buy now, pay later applicants at checkout using bureau and alternative data, sets an affordable limit, and explains every decision. | Financial Services | |
| Call center optimization | Call center optimization uses predictive and generative models to classify every contact, suggest the resolution, and flag callers most likely to leave. | Financial Services | |
| Call summary and resolution | Generative AI reads every recorded customer call, writes a summary of what happened, and flags whether the issue was resolved so your team can follow up. | TelecommunicationsRetail and CPGInsuranceFinancial ServicesHealthcare | |
| Capital and Basel reporting analytics | AI Basel reporting analytics answers questions on risk-weighted assets, capital ratios and Pillar 3 disclosures from your reports, citing the source page. | Financial Services | |
| Cash optimization for ATMs and branches | Forecasting models that predict daily cash demand for each ATM and branch, so you stock enough to serve customers without idle cash sitting in machines. | Financial Services | |
| Check fraud | AI check fraud detection scores every check for counterfeit stock, forged signatures and altered amounts, so your team reviews only the risky items. | Financial Services | |
| Chest abnormality detection | Chest abnormality detection uses computer vision to flag chest X-rays that may show a heart or lung abnormality, so your radiologists read those first. | Healthcare | |
| Claims fraud detection | Machine learning scores every insurance claim for fraud risk from first notice of loss onward, so the SIU works the claims most likely to be fraudulent. | Insurance | |
| Claims scoring, routing and denial review | Machine learning that scores each insurance claim on arrival, routes it by risk and complexity, and explains every score and denial with reason codes. | Insurance | |
| Classifying patient-reported drug reviews | AI reads what patients write about a drug and sorts each review as effective, ineffective or adverse, routing every possible adverse mention to a person. | Life Sciences | |
| Clinical credentialing document review | AI reads TB test results, licences and certifications from photos and scans, checks each against the credentialing record, and sends gaps to a specialist. | Healthcare | |
| Clinical evidence synthesis | Clinical evidence synthesis: AI agents read trial results, safety data and studies, and draft a cited brief of findings and gaps for clinicians to review. | Healthcare | |
| Clinical trial and supply integrity monitoring | AI clinical trial and supply integrity monitoring flags unusual patterns in site data, samples, and supply movements, with reasons for your teams to review. | Life Sciences | |
| Clinical trial site selection | Predictive models that use past trial performance and feasibility data to estimate which sites are likely to enroll the patients a study needs, on time. | Life Sciences | |
| Collusion fraud detection | Machine learning that links shared devices, addresses and payment paths across accounts to expose collusion rings that look normal one account at a time. | Financial ServicesInsuranceHealthcare | |
| Content and product personalization for marketing | Predictive models score which message, image, offer and product each customer is most likely to respond to, so every channel shows content built for them. | TelecommunicationsRetail and CPGFinancial ServicesInsuranceHealthcare | |
| Credit loss estimation | Credit loss estimation predicts how much a loan book will lose, from probability of default, loss given default (LGD) and exposure at default (EAD). | Financial Services | |
| Credit scoring and fair lending | AI credit scoring uses machine learning to predict how likely a borrower is to repay, from bureau data and from alternative data when the credit file is thin. | Financial Services | |
| Critical care patient deterioration alerts | A model that scores changes in a patient's status from monitor and vital-sign data, and alerts the care team on which patients to check first. | Healthcare | |
| Customer care agent and chat deflection | A customer care agent answers billing, plan, device and outage questions in chat from your care knowledge, cites a source and hands off the rest to a person. | Telecommunications | |
| Customer churn prediction for banks | AI customer churn prediction scores each bank customer's risk of leaving, so your retention team can act while the relationship can still be saved. | Financial Services | |
| Customer retention | AI customer retention for insurers predicts which policyholders may lapse or switch at renewal, and why, so your team spends offers on those worth keeping. | Insurance | |
| Cytopathology AI | Machine learning ranks cytology samples for review, and generative AI pulls cited findings out of free-text pathology reports for your lab to check. | Healthcare | |
| Debt repayment and prepayment risk | Machine learning predicts whether each borrower will repay on schedule, prepay early, fall behind or default, so lenders can offer the right option. | Financial Services | |
| Defense intelligence analysis | AI that gathers, summarizes and cites public reporting and footage, so defense analysts can brief decision-makers faster, with every finding reviewed. | Government | |
| Denials and appeals | Denials and appeals with AI: agents read a claim denial, gather the chart documentation and payer policy, and draft the appeal for your specialist to sign. | Healthcare | |
| Detecting cyber threats before they cost you | AI cyber threat detection separates threatening events from normal activity across your devices, users and applications, and explains why each was flagged. | Financial Services | |
| Drafting safety reports and submission sections | AI drafts cited sections of safety reports and regulatory submissions from approved sources, and checks a package for gaps, for a qualified person to sign. | Life Sciences | |
| Employee attrition drivers and retention planning | Machine learning on your own HR data that shows which working conditions are linked to attrition by role, team and tenure, so HR can act before people leave. | HealthcareGovernment | |
| Employee knowledge assistant | A governed AI assistant answers staff questions from your agency's own policies and guidance, with the source cited in every answer, and can run air-gapped. | Government | |
| ESG reporting and carbon market intelligence | Agents that check ESG data, client disclosures and carbon market signals, so misstated figures and unsupported claims surface before they become losses. | Financial Services | |
| Extracting structured data from financial documents | AI turns balance sheets, annual reports and scanned images into structured data, with a knowledge assistant that answers questions and cites the source page. | Financial Services | |
| Factor investing | AI factor investing uses machine learning to forecast factors such as volatility, value and momentum, then select the securities those forecasts favor. | Financial Services | |
| Factory-floor model deployment | Build predictive models centrally and score them on plant infrastructure next to the line, including plants whose networks are segmented from the cloud. | Manufacturing | |
| Farm operations planning agents | Software agents that read your farm's sensor, drone and weather data and draft a weekly operating plan for irrigation, spraying, scouting and harvest. | Agriculture | |
| Field dispatch optimization | AI forecasts how many technicians each area needs and matches the right technician to each job, so dispatchers start from a data-built plan, not a guess. | Telecommunications | |
| Financial news and market data analysis | A knowledge assistant that reads financial news, filings and economic data, then answers your analysts' questions with the source cited for each answer. | Financial Services | |
| FNOL intake and claims triage | AI that reads a first notice of loss packet, checks it against the policy, flags special handling, and drafts the routing for your claims team to approve. | Insurance | |
| Forecasting demand by product, region and route | AI forecasts how much of each product will sell by store, region, season and delivery route, so planners and route teams can order and stock ahead of demand. | Retail and CPG | |
| Gene mutation risk scoring | Gene mutation AI scores genomic and phenotype profiles for genetic risk and ranks the genes and pathways that drive it, for research and clinical teams. | Life Sciences | |
| Health plan member churn prediction | Scores which health plan members are likely to leave before renewal, explains why, and ranks the retention offer each member is most likely to accept. | Healthcare | |
| Healthcare plan pricing | Models estimate each member group's expected medical cost and how price changes affect plan choice and renewal, so actuaries set premiums that cover risk. | Healthcare | |
| Home loan credit risk assessment assistant | A home loan credit risk assessment assistant applies your credit risk framework to an applicant's details and drafts a risk rating for an analyst to review. | Financial Services | |
| Hospital capacity simulator | A hospital capacity simulator forecasts census, admissions, and length of stay, then tests surge scenarios so you plan beds and staff before demand arrives. | Healthcare | |
| Hospital census forecasting | Hospital census forecasting predicts how many patients each facility and unit will have in the coming days, so staffing and bed plans are set ahead of demand. | Healthcare | |
| HR resume matching | Natural language processing compares each resume with a job description and gives recruiters a match score with its reasons, so they review a ranked list. | HealthcareGovernment | |
| Improper payment and program integrity review | Improper payment and program integrity review with AI scores payments, invoices and claims for risk and drafts the evidence a reviewer needs to decide. | Government | |
| IT knowledge assistant for runbooks and tickets | An IT knowledge assistant answers your engineers' questions from your own runbooks, tickets and postmortems, and cites the source behind every answer. | TelecommunicationsManufacturingFinancial ServicesGovernment | |
| KYC automation | AI KYC automation verifies a new customer's identity, links their details to records you already hold, and scores their financial crime risk at onboarding. | Financial Services | |
| Lead scoring | AI lead scoring ranks every lead by how likely it is to become an opportunity and revenue, learning from the leads that converted and the ones that did not. | TelecommunicationsRetail and CPGFinancial ServicesInsurance | |
| Legacy code conversion inside your boundary | An open coding agent reads, explains, converts and tests COBOL or Fortran code against a governed endpoint inside your network, so source code never leaves. | Government | |
| Legal research and aid assistants | An AI assistant that finds the statutes and cases behind a legal question and answers with citations a lawyer can check, giving information, not advice. | HealthcareGovernmentInsuranceTelecommunications | |
| Liquidity risk and hedging analytics | Machine learning forecasts deposit behavior, cash flows and funding needs, tests how hedges hold up as rates move, and drafts the ALCO pack for review. | Financial Services | |
| Loan amount prediction | AI loan amount prediction estimates what each applicant can request or qualify for from your loan history, to size the offer before they apply elsewhere. | Financial Services | |
| M&A advisory research | A knowledge assistant that answers deal team questions across filings, reports and news with sources cited, plus a model that scores acquisition likelihood. | Financial Services | |
| Mechanism of action prediction for drug screening | Machine learning that estimates how a compound acts on biology from gene expression and cell viability data, so scientists can prioritize hits sooner. | Life Sciences | |
| Medical claims fraud and overpayment detection | Medical claims fraud detection scores each claim before payment, flags likely fraud, waste, abuse and overpayment for review, and lets clean claims pay. | Healthcare | |
| Medical coding and risk adjustment review | Medical coding and risk adjustment review checks documentation against coding rules and payer policy and proposes cited codes for a certified coder to sign. | Healthcare | |
| Mining site environmental compliance and market agents | Agents that check site sensor data against your environmental limits, draft compliance reports, and model commodity prices to support contract bid decisions. | ||
| Model risk documentation and explainability | AutoDoc reports and reason codes document how each model was built and why it scores the way it does, so bank validators get evidence with its source cited. | Financial Services | |
| Network incident triage agents | A chain of agents that correlates network telemetry and alarms, opens the ticket, drafts remediation from your runbooks, and writes the post-incident summary. | Telecommunications | |
| Next best action and offer | Machine learning that ranks the offer, message or channel most likely to move each customer forward, so marketing sends one relevant action per customer. | TelecommunicationsRetail and CPGFinancial ServicesInsuranceHealthcare | |
| Operational risk and controls monitoring agents | Agents that read incident logs, control test results and policies, flag items that breach your own thresholds, and draft cited summaries for your risk team. | Financial Services | |
| Optimizing promotional spend and budget by channel | AI models how each promotional channel, region and brand responds to spend, so your team can set the next budget from evidence, not last year's split. | Life Sciences | |
| Patent landscape and competitive intelligence | A patent landscape and competitive intelligence assistant searches patents, trial registries and publications and answers questions with citations. | Life Sciences | |
| Patient propensity to pay | Patient propensity to pay uses AI to predict how likely each patient is to pay a self-pay balance, so your team can prioritize reminders and payment plans. | Healthcare | |
| Patient scheduling and no-show prediction | A model scores which booked appointments are likely to be missed, so your access team can remind, confirm, backfill or overbook instead of one static rule. | Healthcare | |
| Personalized patient support programs | AI for personalized patient support programs groups patients by shared needs and flags who may stop a therapy early, so support teams reach them in time. | Life Sciences | |
| Personalized product bundling for insurers | Machine learning that predicts which policy or coverage each household is likely to need next, with a reason code, so agents offer one relevant bundle. | Insurance | |
| Personalized rate management | AI personalized rate management estimates each policyholder's risk from individual behavior and context, so actuaries can set rates that track real risk. | Insurance | |
| Pharma field force performance | AI agent performance scores pharma reps' opportunities and suggests next best actions from CRM and call data, cutting manual entry that keeps adoption low. | Life Sciences | |
| Pharma inventory and out-of-stock risk prediction | Machine learning on demand, inventory and order data that flags which pharma products are likely to run short and suggests reorders planners approve. | Life Sciences | |
| Pharmacovigilance case intake and signal detection | Agents turn adverse event reports into structured cases, suggest coding terms for your coders to confirm, and surface possible safety signals in narratives. | Life Sciences | |
| Physician targeting for a product launch | AI physician targeting for a product launch ranks the HCPs whose patients fit your newly approved therapy, so your teams reach the right prescribers first. | Life Sciences | |
| PII detection and redaction | PII detection and redaction finds and masks personal data in documents and AI conversations, so your team controls what leaves the organization. | Financial Services | |
| Policy and endorsement document intelligence | Policy and endorsement document intelligence reads your policy forms and endorsements, then answers coverage questions with a citation to the exact wording. | Insurance | |
| Predicting client contribution margin | AI predicts the contribution margin each client relationship will earn, so your bank can place coverage where it grows margin, not where it was assigned. | Financial Services | |
| Predicting hospital-acquired infections | A risk model that scores inpatients for infections such as CLABSI from device, procedure and lab data, so infection prevention teams can focus rounds first. | Healthcare | |
| Predicting opioid use disorder and overdose risk | AI finds patterns in health records linked to opioid use disorder and overdose risk, so your care-management and public-health teams can reach people earlier. | Healthcare | |
| Predicting readmission | Predicting readmission scores each inpatient's risk of returning within 30 days of discharge, so care managers focus follow-up on patients who need it most. | Healthcare | |
| Predicting support ticket resolution time | AI predicts how long a new member or provider ticket takes to resolve and which team should own it, so leads can route work and catch tickets likely to stall. | Healthcare | |
| Predicting the cause of a support call before it's asked | AI predicts the likely cause of a customer's phone, broadband or TV issue from support history and network data, so agents resolve more calls the first time. | Telecommunications | |
| Predicting transit time, cost and arrival condition | AI predicts transit time, cost and arrival condition for each shipping route, so logistics teams can pick routes and carriers that deliver on time and intact. | Manufacturing | |
| Predictive fleet maintenance | Vehicle, telematics and repair data predict which truck parts will fail, so a fleet shop replaces them before a breakdown strands a technician. | Telecommunications | |
| Predictive maintenance | Sensor, maintenance and operating data used to predict which equipment will fail and when, so your reliability team fixes a component before it breaks. | Manufacturing | |
| Predictive maintenance for pharma manufacturing | AI predictive maintenance for pharma manufacturing uses sensor, batch, and maintenance data to predict which equipment is likely to fail, and when. | Life Sciences | |
| Predictive manufacturing design | AI predictive manufacturing design learns from material properties, past configurations, and test results to predict which designs are likely to pass. | Manufacturing | |
| Premium audit validation | Premium audit validation with AI: read payroll records, check them against the exposure declared at binding, and send each variance to your premium auditor. | Insurance | |
| Pricing optimization | AI pricing optimization predicts how each item's demand responds to price, season, inventory, and competing offers, then suggests prices your team approves. | Retail and CPG | |
| Prioritizing a cardiology worklist by risk | AI clinical decision support estimates each patient's heart disease risk from tests and history, so your cardiology team knows who to review first and why. | Healthcare | |
| Product recommendations and propensity to buy | AI product recommendations predict which banking product each customer is likely to need next and how likely they are to take it up, so offers fit. | Financial Services | |
| Provider scoring | Licensed prescribing and engagement data rank HCP accounts by fit to approved indications, so field and medical teams plan coverage from one explained score. | Life Sciences | |
| Public health forecasting | Time series models predict flu and respiratory disease activity by region for the coming weeks, so public health teams can plan staff, supplies and outreach. | Healthcare | |
| Quality measure and care-gap abstraction | AI agents read patient charts against quality measure specifications, assemble the evidence, and flag open care gaps for abstractors to confirm. | Healthcare | |
| Referral automation | Referral automation reads referral faxes and scans, pulls out patient, referral, and insurance details, and routes each one to the right clinic for review. | Healthcare | |
| Regulatory compliance and policy assistants | A regulatory compliance and policy assistant answers policy, procedure and compliance questions from your own documents, citing the source for every answer. | Government | |
| Regulatory reporting assistant | An AI knowledge assistant that answers risk and compliance questions from disclosure reports, regulations and codes, citing the source page for every answer. | Financial Services | |
| Retail customer churn and lifetime value | A churn score ranks shoppers likely to lapse, paired with a lifetime value score for what each is worth, so retention budget goes where it saves the most. | Retail and CPG | |
| RFP and procurement automation | AI RFP and procurement automation reads your RFP and every vendor proposal, compares them on scope, pricing and terms, and answers questions with citations. | Life SciencesRetail and CPGManufacturingGovernment | |
| Route and fuel optimization | Route and fuel optimization decides which technician drives to which job, so your fleet covers the day's work with fewer miles and less fuel. | Telecommunications | |
| Sanctions screening | AI sanctions screening scores the name and payment alerts your screening engine raises against sanctions lists, so likely true matches reach an analyst first. | Financial Services | |
| Scam and fraud loss reduction | Real-time scoring of customers and payments that sits beside your existing fraud engine, with reason codes for every score and every held payment. | Financial Services | |
| Scoring phone orders for fraud before the device ships | AI scores every phone order, upgrade and new line for fraud risk before the device ships, so you stop more fraud without turning good customers away. | Telecommunications | |
| Smart segmentation | AI smart segmentation groups customers into microsegments by shared behavior and intent, so marketers can target and explain who is most likely to respond. | TelecommunicationsRetail and CPGFinancial ServicesInsurance | |
| Sovereign AI coding assistant | A sovereign AI coding assistant runs an open coding agent against models you control, so source code, prompts, and agent actions stay inside your network. | TelecommunicationsManufacturingFinancial ServicesGovernment | |
| Strategic insight summarizer | An AI assistant that reads annual reports, earnings releases and company websites and returns strategic priorities, key results and opportunities, all cited. | Financial ServicesInsuranceManufacturingRetail and CPGTelecommunications | |
| Study and assessment assistants | AI study and assessment assistants summarize recorded lectures, write quizzes and draft marks on handwritten exams against your rubric, with cited sources. | ||
| Subrogation identification and recovery | AI reads each claim file for third-party recovery potential, judges evidence against your guidelines and drafts a recovery package for your team to review. | Insurance | |
| Supplier document validation against the ERP | Read supplier contracts, purchase orders, invoices and certificates of analysis, check each value against your ERP, and send only mismatches to a person. | Life SciencesRetail and CPGManufacturingGovernment | |
| Supplier risk scoring | An AI supplier risk model uses delivery, quality and commercial history to predict which pharma suppliers will likely miss a delivery or fail a quality check. | Life Sciences | |
| Supply chain optimization | AI supply chain optimization forecasts demand at each production stage and sets inventory and sourcing plans so you hold less safety stock without shortages. | Manufacturing | |
| Support-call classification | Support-call classification uses fine-tuned small language models to assign every transcript to the right category, so contact centers can route follow-ups. | Telecommunications | |
| Targeting customers by what they actually do | AI behavioral targeting groups your customers by what they do, predicts who will respond to which offer, and explains the reasoning behind every choice. | Financial Services | |
| Telecom churn prediction and retention | Telecom churn prediction scores every subscriber's risk of leaving, explains why, and triggers the retention action most likely to keep them. | Telecommunications | |
| Telecom upsell and next best offer | Telecom next best offer: AI that predicts which plan, device, add-on or loyalty offer each subscriber is most likely to accept, and when. | Telecommunications | |
| Telematics-based insurance models | Machine learning models that use vehicle driving data to score claims fraud, customer churn and billing risk for each policyholder, with reasons attached. | Insurance | |
| Text-to-SQL for enterprise data | Fine-tuning a small open model on your own schema so business users can ask a database a question in plain English and get accurate SQL back. | TelecommunicationsManufacturingFinancial ServicesGovernment | |
| Trade finance risk monitoring | Trade finance risk monitoring uses an agent to screen counterparties, shipments and routes for sanctions and money laundering risk, and warns you early. | Financial Services | |
| Transaction fraud | AI transaction fraud detection scores every card, debit and wire payment for fraud risk as it happens and finds patterns that fixed rules miss. | Financial Services | |
| Transaction volume anomaly detection | Machine learning that forecasts expected transaction volume, then flags spikes or drops outside that range so your team can act before an outage or attack. | Financial Services | |
| Travel digital assistant | A travel digital assistant answers questions about bookings, changes, baggage, and loyalty from your own policies, then suggests options that fit each trip. | Travel | |
| Turning broker submissions into clean risk data | AI reads broker submissions, loss runs and prior policies into clean risk data, checks it against your appetite and drafts your underwriter's clearance file. | Insurance | |
| Turning recorded consultations into structured summaries | AI transcribes a recorded patient consultation and drafts a structured clinical summary for your clinician to review and sign, grounded in the recording. | Healthcare | |
| Verifying identity documents at onboarding | An AI assistant reads an identity document uploaded at onboarding, checks each field for gaps, expiry and tampering, and returns a verified or flagged result. | Financial ServicesTelecommunicationsInsuranceGovernmentHealthcare | |
| Visual defect detection and inspection triage | Computer vision models that classify defects in inspection images and rank lots by defect risk, so inspectors spend their time where defects are most likely. | Manufacturing | |
| Voice of the customer analysis | AI voice of the customer analysis reads comments from surveys, reviews, and store kiosks, finds sentiment and topics, and writes a weekly report with actions. | Retail and CPG |