How CJI works.
CJI is a four-product intelligence chain that converts public customer signal into firm decision, anchored at every stage to a public ledger of sector precedent. Each product operates independently and compounds when used together. The diagram below maps the chain.
Anecdote → Aggregate → Awareness → Action.
Four stages. Four products. One continuous chain from raw market signal to the decision that matters.
Each stage is a product. Each product is independently useful. Together they form the chain.
Each stage, in depth.
The chain follows the natural arc of a regulated firm's decision process: the sector speaks first, then the firm, then the live session, then the decision itself. Products are sequenced by latency and risk, not by importance.
What is the customer saying about this firm?
CJI Sonar converts public customer voice into a daily, regulator-readable briefing tailored to a specific firm. It draws on app reviews, public ratings platforms, and open-source news feeds — verbatim customer language, labelled with source and date, never paraphrased. Each briefing is peer-benchmarked against the sector cohort and anchored to the CJI Chronicle, so every finding can be traced to a researched sector precedent. Sonar runs once daily and is delivered to insight and product leadership before the working day begins. The intelligence it produces is anecdotal in the best sense: close to the ground, specific to your firm, and grounded in what customers actually wrote.
What pattern is the cohort showing?
CJI Reckoner surfaces AI-powered cohort patterns across the regulated consumer-services landscape. Where Sonar watches one firm, Reckoner watches the sector — detecting structural failure patterns, benchmarking issue rates across the competitive set, and surfacing the intelligence that no single firm's internal data can provide. Reckoner is cohort-agnostic: it holds no client slug and makes no claim about a specific firm's internal state. Its output is industry signal — the kind that AlphaSense, YipitData, or M Science produce for equity analysts, applied instead to the insight and product teams inside regulated firms. Reckoner is the only CJI product with a self-serve trial motion; all others are contact-sales.
What is happening in the live session, right now?
CJI Pulse operates at session granularity, surfacing almost-real-time insight from customer journey telemetry inside the firm's own environment. Pulse senses — it does not intervene. This distinction is load-bearing: most regulated firms are not yet operationally or regulatorily ready to act on live journey intelligence in real time, and building intervention into the product would conflate observation with action in ways that carry significant governance risk. Pulse is an enterprise-integration product, running on the firm's own telemetry without crossing signals with the public-data layer that Sonar and Reckoner use. It is the third stage in the chain because awareness of the live session is only useful once the firm has sector context (Reckoner) and firm-level briefing (Sonar) to interpret it against.
What is the right decision, given everything we now know?
CJI Lever is the action layer — a tailored decision framework that translates accumulated intelligence into the firm's next move. Lever operates in three modes: Autonomous (the framework decides within a defined envelope), Guided (the framework recommends; a human decides), and Customer-led (the framework adapts to real-time customer signal). The mode chosen reflects the firm's regulatory readiness and risk appetite. Lever is not a SaaS product: it is an engagement-class bespoke design and deployment, available only to design partners willing to build the framework collaboratively. The decision it supports is the terminal point of the chain — the moment where Anecdote, Aggregate, and Awareness resolve into a specific, accountable action.
CJI Chronicle.
Every Sonar and Reckoner finding is anchored to a researched sector precedent. The Chronicle is what makes that possible.
The CJI Chronicle is a public ledger of significant sector failures, researched in depth and maintained as the anchor for all CJI findings. Each Chronicle entry — currently CHR-001 through CHR-019, expanding — documents the failure mode, the observable signals that preceded it, the customer journey stage it affected, and the business consequence that followed. Chronicle entries are proposed by research analysis, reviewed for governance compliance, and approved before entering the inference pipeline.
The Chronicle exists to eliminate orphan claims. A CJI Sonar or Reckoner finding that cannot be traced to a Chronicle precedent does not ship as a production finding — it enters a research queue for investigation and potential Chronicle expansion. This means every finding a firm receives carries a receipt: a Chronicle ID, a sector precedent, and the research that established the connection. For regulated firms operating under the FCA Consumer Duty and similar frameworks, that traceability matters.
The Chronicle is being made public in a dedicated section. CJI Chronicle →
Decisions, not dashboards.
CJI is not a business intelligence tool. It does not produce charts for executives to review in a weekly meeting. It does not connect to a data warehouse and render configured visualisations. The four CJI products are decision-intelligence products — each one produces a specific, actionable output anchored to real evidence, not a configurable dashboard that requires interpretation.
CJI Reckoner is not Tableau. CJI Sonar is not a Mixpanel report. CJI Pulse is not a session-replay or analytics product. CJI Lever is not a SaaS subscription. The products in this category — Looker, Power BI, Google Analytics, Amplitude — produce insight by putting data in front of a human analyst and asking them to draw conclusions. CJI draws the conclusion and presents it with receipts. The analyst's job is to evaluate the conclusion, not to produce it.
The closer mental models are alternative-data intelligence platforms: research and signal products that synthesise data sources a firm cannot easily access on its own and deliver a finding, not a view.
Each product, in depth.
The methodology pages for each product cover the evidence sources, the inference approach, the commercial motion, and the governance model in more detail.