Reckoner reads the sector the way a seasoned analyst reads a trading floor — not charting what happened, but surfacing what it means, grounded in precedent only a ledger of real failures can provide.
CJI Reckoner is the industry signal layer in the CJI intelligence chain. It monitors the public-signal corpus across the regulated-consumer-services landscape — app store reviews, outage reports, financial press, community forums — and surfaces cohort patterns that would otherwise take an analyst team weeks to assemble by hand. Think AlphaSense for sell-side equity intelligence, or YipitData for alt-data aggregation: Reckoner occupies the same register, applied to the customer journey in regulated consumer services.
Where other tools chart volume and render it as a graph, Reckoner reasons. Every pattern it surfaces is scored against a Confidence-Adjusted Claim formula, cross-referenced with the CJI Chronicle ledger of real sector failures, and delivered with the verbatim public-signal evidence that produced it. The output is not a chart — it is a position, with receipts.
Reckoner is cohort-agnostic: no client-specific scoping, no proprietary data required, no integration project. It is the most accessible product in the CJI family — trial-available, per-seat, and live in the sector today. Insight and risk teams at regulated firms use it to understand what is happening across the industry before it arrives in the board pack.
Reckoner meets analysts where they are — whether they want the surfaced view, a conversation, or a workspace to stitch findings together.
Reckoner does not surface noise in isolation — it surfaces patterns that rhyme with the real thing.
The CJI Chronicle is a public ledger of real failures in the regulated-consumer-services sector — researched in depth, referenced by name, and immutable once approved. CHR-001 is TSB's 2018 migration collapse. CHR-017 through CHR-019 document Barclays' sustained service-friction patterns across 2025 and 2026. Each entry carries the root cause, the customer journey most affected, the duration, and the regulatory consequence where applicable.
When Reckoner surfaces a new cohort pattern, it scores it for resonance against every Chronicle entry using embedding-based semantic similarity. A pattern that rhymes with CHR-001 doesn't just get flagged — it gets anchored to the precedent and its confidence score is weighted accordingly. Analysts get not just the signal, but the context that tells them whether this is noise or the beginning of something documented.
The Chronicle is the epistemological spine of the whole CJI product family. Read the full methodology at insights/methodology.
Reckoner's daily run produces three named output types — each carrying verbatim public-signal evidence, never paraphrased. The intelligence is the source; the product is the reasoning layer on top.
CJI Reckoner is the most SaaS-shaped product in the CJI family: per-seat, no integration project, no bespoke engagement required. A trial flow is available — access is not open-ended; it is scoped to the sector and journey taxonomy relevant to each firm's work.
At trial signup, all users will see a brief Competition Act 1998 Chapter I clause. This is not boilerplate — it is an explicit acknowledgement that Reckoner is independent market intelligence produced from public sources, and that no client-specific or proprietary data is exchanged through the product. Regulated firms navigating their own competition obligations have asked for this transparency, and we build it in by default.
Fourteen days. One seat. Full access to the Reckoner default surface on the live UK retail-banking cohort. The trial application includes the Competition Act 1998 Chapter I clause that governs all independent market-intelligence tools.
Apply for a trial →Reckoner is not a dashboard, a BI tool, a charting product, or an analytics platform. It does not render data as a graph and call it insight. It is not a recommendation engine, and it is not a chatbot pretending to have read the evidence. The closest market analogues are AlphaSense, YipitData, and M Science — alternative-data intelligence products where every claim is evidence-anchored and every position can be traced back to its source. If your team needs a chart builder or a reporting layer, CJI is not that. If your team needs to know what the sector is doing before the monthly board pack surfaces it, Reckoner is built for that problem.
Anecdote → Aggregate → Awareness → Action.
Reckoner sits at the Aggregate stage — the point where raw market anecdote becomes a reasoned position. CJI Sonar takes that position into your firm specifically. CJI Pulse senses it in the live session. CJI Lever moves on it.
Each product operates independently. Together they form the complete intelligence chain — from industry pattern to the decision that matters.
Client-specific, regulator-readable daily briefing built from public customer signals. Where Reckoner sees the industry, Sonar sees your firm — the same evidence standard, scoped to your own signal and your peer cohort.
Learn more →Almost-real-time observation at session granularity. Pulse senses — it does not intervene. The live layer of the intelligence chain, built for firms ready to act on evidence that arrives in seconds, not days.
In developmentTailored decision framework in three modes: Autonomous, Guided, and Customer-led. The intelligence chain culminates here — Lever takes what the sector, firm, and live session have surfaced and frames the decision itself.
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