Solutions/Customer Centricity/Phase 2: Co-Design/Demo: Solution Toolkit Composer
Interactive demo / Phase 02 Co-Design

Solution Toolkit Composer

Karibu Logistics walks in with a diagnosed problem. The Copilot pulls the matching toolkit. Pick the components. Tune the structure. Watch the RAROC and the RAF gatekeeper light up live. Walk out with a proposal that is policy-aligned and commercially meaningful.

Co-design
Step 1 of 3
Phase 02 demo / Co-Design

Three minutes from diagnosis to draft proposal.

The diagnosis from Phase 1 is in. The Copilot has matched the JTBD library and pulled the candidate toolkit. You compose the structure, tune the parameters, and watch RAROC and the RAF gatekeeper recompute live. The proposal is ready before the client meeting room is booked.

Handoff from Phase 01 / Discover

Karibu Logistics · Q3 2026

USD 3.2m asset-backed term loan + WC line · Logistics & Trading
Working capital strain9 / 10 FX exposure mismatch7 / 10
3 steps total ~3 minutes to complete Light-touch path revealed if all five gates pass
Return to Phase 2: Co-Design the Solution
CLIENT Karibu Logistics Working capital strain + FX exposure mismatch · Q3 2026 co-design
Step 02 / Compose & Tune

Standard Toolkit Menu

Components are pre-cleared by Credit, Risk, and Treasury for the diagnosed JTBDs. Toggle to add or remove. The Revolving WC line is core and stays selected. Below, tune limit, advance rate, margin, and tenor within RAF bands.
Tune the parameters
Facility limitUSD 0.8m
Sector cap allocated for logistics: USD 1.1m. Headroom available.
Invoice advance rate80%
Higher advance pulls cash forward but raises risk weighting.
Pricing margin (over base rate)4.5%
Each ten basis points up lifts RAROC by roughly twelve basis points.
Tenor12 months
Tenor band is six to twenty-four months for working capital lines.
Live policy view

RAROC & RAF Gatekeeper

The Copilot recomputes risk-adjusted return and the five RAF gates with every change. Light-touch approval activates when all five gates pass.
Assembled stack
RAROC PASS
14.8%
Threshold 12.0% · segment minimum for SME logistics
RAF Gatekeeper checks
5 / 5 gates passing
Client Proposal · Phase 02 draft

Problem statement

Proposed structure

ComponentDescription

Pricing & terms

A
Facility limit:
B
Invoice advance rate:
C
Pricing margin: over base rate
D
Tenor:
E
RAROC: against 12.0% segment minimum
F
RAF gates passing:

Expected client outcomes

Monitoring plan (preview)

Solution moves to Phase 3 Decide & Onboard. The 30/60/90-day milestone plan locks at signature. Phase 4 Run & Review picks up the leading indicators tied to the outcomes named above.

Q-Lana practitioner view

✓
Proposal drafted · ready for RM review and Phase 3 hand-off
Continue the lifecycle

Phase 3: Decide & Onboard

Continue to Phase 3 →