# 360factors > 360factors provides AI-powered risk, compliance, and data analytics software for banks, credit unions, and other financial services organizations. Its product suite includes Predict360, Ask Kaia, and Lumify360. 360factors primarily serves mid-market financial organizations. Predict360 unifies risk and compliance workflows; Ask Kaia provides secure, regulation-specific AI compliance agents with cited and auditable outputs; and Lumify360 unifies siloed data for performance, portfolio, customer, and fair-lending analytics. ## Core Products - [Predict360 Risk and Compliance Intelligence Platform](https://www.360factors.com/predict-360/): Integrated, modular GRC platform for enterprise risk, regulatory compliance, controls, issues, audits, policies, testing, and reporting. - [Predict360 Essentials](https://www.360factors.com/products/predict360-essentials/): Preconfigured risk, issues, and compliance management solution for community banks and credit unions. - [Ask Kaia AI Compliance Agent Platform](https://www.360factors.com/products/kaia-ai-compliance-expert/): Secure AI compliance agents for regulatory research, policy work, marketing review, compliance testing, impact analysis, and exam preparation. - [Lumify360 Data and Predictive Analytics Platform](https://www.360factors.com/products/lumify360/): Governed analytics platform for performance management, loan portfolio insights, customer insights, and fair-lending analysis. ## Risk Management Solutions - [Enterprise Risk Management](https://www.360factors.com/enterprise-risk-management-software/): Centralized risk registers, assessments, controls, monitoring, dashboards, and reporting. - [Risk Control Self Assessment](https://www.360factors.com/risk-control-self-assessments/): Standardize and automate RCSA workflows, evaluation, and reporting. - [Issues and Incidents Management](https://www.360factors.com/issues-incidents-management/): Track issues, incidents, corrective actions, ownership, and resolution. - [Predict360 Risk Insights](https://www.360factors.com/predict360-risk-insights/): Combine internal and external data to identify emerging risks and manage key risk indicators. - [Peer Insights](https://www.360factors.com/peer-insights/): Benchmark financial performance against peers using configurable metrics and reports. - [Third-Party Risk Management](https://www.360factors.com/third-party-risk-management-software/): Manage third-party risk, due diligence, monitoring, and vendor oversight. - [Internal Audit Management](https://www.360factors.com/audit-management-software/): Plan audits, manage findings, track remediation, and automate reporting. - [IT Risk Assessments](https://www.360factors.com/it-risk-assessment-software/): Assess information technology, cybersecurity, systems, and related controls. ## Compliance Management Solutions - [Compliance Management System](https://www.360factors.com/compliance-management-system/): Centralize compliance obligations, activities, controls, evidence, and reporting. - [Regulatory Change Management](https://www.360factors.com/regulatory-change-management-software/): Track regulatory changes, assess organizational impact, assign actions, and document responses. - [Compliance Monitoring and Testing](https://www.360factors.com/compliance-monitoring-testing/): Automate monitoring, testing, quality assurance, workpapers, and reporting. - [Complaints Management](https://www.360factors.com/complaints-management/): Capture complaints, manage investigations, identify trends, and document resolution. - [Policy and Procedure Management](https://www.360factors.com/policy-procedure-management/): Draft, review, approve, distribute, map, and maintain controlled policies and procedures. - [Regulatory Examinations and Findings](https://www.360factors.com/regulatory-examination-findings-management/): Coordinate examination requests, findings, evidence, remediation, and audit trails. - [Fair Lending Risk and Compliance](https://www.360factors.com/fair-lending-risk-management-software/): Analyze lending activity, identify disparities, benchmark results, and prepare exam-ready documentation. ## Industries - [Banks](https://www.360factors.com/industry-solutions/bank-risk-compliance-management-software/): Risk, compliance, regulatory intelligence, and performance analytics for banks. - [Credit Unions](https://www.360factors.com/industry-solutions/credit-unions-risk-compliance-management-software/): Integrated oversight designed for credit-union compliance, member trust, and performance. - [Financial Services](https://www.360factors.com/industry-solutions/financial-risk-compliance-management-software/): Risk, compliance, and analytics for financial services organizations. - [Fintech](https://www.360factors.com/industry-solutions/fintech-risk-compliance-management-software/): Governance and regulatory support for rapidly scaling financial technology companies. - [Mortgage Bankers](https://www.360factors.com/industry-solutions/mortgage-risk-compliance-management-software/): Risk and compliance management for mortgage lenders and related businesses. - [Money Service Businesses](https://www.360factors.com/industry-solutions/money-services-risk-compliance-management-software/): Integrated risk, audit, and compliance support for money service businesses. - [Insurance](https://www.360factors.com/industry-solutions/insurance-risk-compliance-management-software/): Regulatory change, risk, and compliance management for insurance organizations. - [Investment and Wealth Management](https://www.360factors.com/industry-solutions/investment-wealth-risk-compliance-management-software/): Risk and compliance oversight for investment and wealth management firms. ## Company and Resources - [About 360factors](https://www.360factors.com/about-us/): Company overview, mission, differentiators, and partnerships. - [Customer Perspectives](https://www.360factors.com/what-customers-says/): Customer feedback on Predict360 and 360factors services. - [Partners](https://www.360factors.com/partners/): Technology, content, training, and consulting partnerships. - [Blog](https://www.360factors.com/blog/): Current risk, compliance, AI, banking, and analytics insights. - [White Papers](https://www.360factors.com/whitepapers/): Research, checklists, case studies, and downloadable guidance. - [Webinars](https://www.360factors.com/webinars/): On-demand educational sessions on risk, compliance, AI, and financial services. - [Press Releases](https://www.360factors.com/press-releases/): Product launches, partnerships, and company news. ## Optional - [Predict360 Datasheet](https://www.360factors.com/predict360-datasheet/): Overview of the Predict360 platform and its integrated capabilities. - [Predict360 Essentials Datasheet](https://www.360factors.com/products/predict360-essentials-datasheet/): Product summary for community banks and credit unions. - [Ask Kaia Datasheet](https://www.360factors.com/products/kaia-ai-compliance-expert-datasheet/): Summary of Ask Kaia capabilities and use cases. - [Predict360 Risk Insights Datasheet](https://www.360factors.com/predict360-risk-insights-datasheet/): Overview of predictive risk intelligence and KRI management. - [Proactive Risk Intelligence for Financial Organizations](https://www.360factors.com/whitepapers/proactive-risk-intelligence-financial-organizations/): Guidance for improving risk oversight with predictive analytics. - [Key Risk Indicators Guide](https://www.360factors.com/e-guide/key-risk-indicators-lead-proactive-risk-management/): Practical guidance for using KRIs to identify threats early. - [Enterprise Risk Management Software Guide](https://www.360factors.com/e-guide/enterprise-risk-management-software-mitigates-risks-value-business/): Overview of ERM software benefits and implementation considerations.