One fictional lender. Three small tools, each keeping one decision visible.
ImpactIQ, SupplierIQ and GovernIQ are separate, working demonstrators built around the same fictional case: a UK lender, Northbridge Credit, using a vendor's model to make credit decisions. None of them shares data or accounts with the others; a link between them is navigation, not a hand-off. In every one, a person authors the judgement; the software only structures the work and shows what is missing.
About a one-minute read.
What applies, and why. Northbridge records which controls apply to its credit-decision model, who owns each one, and what is still open, grouped into a work plan by owner.
What the vendor provides, and what Northbridge still owns. A due-diligence record for Meridian, the company whose model makes the decisions, with a completeness measure for the record, not a rating of the supplier.
What the system could do to the people it affects. One human-authored impact assessment: recorded harms, supporting evidence, and what still needs a decision.
The story, in brief
- Scope (GovernIQ). Northbridge starts by recording what its credit-decision model covers, who owns it, and which controls apply.
- The vendor (SupplierIQ). Meridian's model makes the decisions, so Northbridge checks the supplier before relying on it.
- The impact (ImpactIQ). A written assessment of the model's effect on customers, with the gaps shown rather than hidden.
Walk through all three, step by step → About 15 minutes: what to click, what you should see, and why it matters.