Generative AI Hackathon with IBM Granite

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Data Scientists CIC Italy

EnricoTrotti

ruslanmv

Problem
AI-driven financial decisions, such as loan approvals, face risks including bias, ethical concerns,
and regulatory non-compliance. Without proper governance, these systems may make unfair
or non-transparent decisions, leading to legal and reputational issues.
Solution
The AI Governance Framework integrates IBM Granite models with the BeeAI framework
to create a trustworthy AI system for automated yet accountable loan approvals. It employs
governance agents to detect bias, ensure ethical alignment, and audit regulatory compliance.
A human-AI collaboration layer allows manual intervention when necessary.
Target Audience
Financial institutions, fintech companies, and enterprises seeking automated, fair, and compliant AI-driven decision-making.
Unique Features and Benefits
• Multi-layered governance incorporating safety, ethics, compliance, and human oversight
• AI-powered decision-making using IBM Granite for intelligent and explainable outputs
• Structured auditing to ensure legal and ethical accountability
• Seamless integration with a modular and scalable design for businesses
This solution enhances trust, efficiency, and fairness, ensuring AI operates transparently and
responsibly.


AI Governance Framework ensures ethical, unbiased, and regulatory-compliant loan approvals
using IBM Granite models, BeeAI, and governance agents. It integrates automation, human
oversight, and structured audits for trustworthy AI-driven decisions.

"Data Scientists CIC Italy team on Generative AI Hackathon with IBM Granite Hackathon"

Team Idea

Submission