Full-Stack AI Pilot
for Retail Banking
An end-to-end AI capability pilot designed for CIMB's senior retail executive team — from branch-floor automation to production AI and multi-agent orchestration. Equip up to 74 key staff across retail operations, consumer finance, wealth, digital banking, and core engineering with hands-on AI skills for deposits, cards, mortgages, personal financing, wealth, and contact-centre use cases. Start small, measure cost-to-income impact, then scale group-wide.
100% HRD Corp (HRDC) Claimable Under SBL-Khas
Why Retail Banking AI Stalls
Across Malaysian retail banks, AI pilots get stuck when branch staff, digital teams, and core engineering work from different playbooks. The result: disconnected POCs, HRDC levy wasted, missed cost-to-income targets, and little measurable lift in NPS, cross-sell, or TAT across deposits, cards, mortgages, and personal financing.
Branch & Frontline Left Behind
Branch managers, RMs, credit ops, KYC/CDD, and contact-centre teams don't know how to safely apply AI to their daily workflows — so onboarding, underwriting, complaints, and BNM reporting stay manual and expensive.
Digital Teams Ship Too Slowly
Digital banking, retail marketing, wealth, and product teams take months to validate ideas — customer journey experiments, campaign pages, RM enablement tools, and branch dashboards get stuck in delivery backlogs.
Engineering & Orchestration Gaps
Core banking and fraud engineering teams are unfamiliar with production RAG, LLM Ops, and multi-agent orchestration — so loan origination, fraud/AML, personalization, and contact-centre copilot POCs rarely reach production.
Deploy → Measure → Scale
An impact-first approach aligned to CIMB's cost-to-income and NPS targets. Deploy four focused pillars across frontline, digital, engineering, and tech leads. Measure retail-banking KPIs — TAT, NPS, cross-sell, cost per transaction — then scale group-wide on evidence, not PowerPoint.
Deploy
Train four focused cohorts and deploy real AI agents, prototypes, production pipelines, and orchestrated workflows inside priority retail-banking use cases — KYC, underwriting, cards, wealth, contact centre — within weeks, not months.
Pillars 1–4: Automation + Vibe Coding + Engineering + Orchestration
Measure
Track retail-banking outcome equivalents — hours saved, TAT reduction, NPS uplift, cross-sell conversion, cost per application, fraud losses avoided. Quantify ROI against a clear baseline over the 3-month post-training support window.
Included 3 months post-training support + impact review
Scale
Only after measurable impact is proven, we jointly propose Phase 2 — wider branch and subsidiary rollout, AI governance aligned to BNM/RMiT, or AI security & data protection — sized to what the evidence justifies.
Future phases proposed only after pilot impact is measured
4 Pillars to Power CIMB Retail AI
A full-stack AI capability pilot built around four high-ROI pillars — from branch-floor automation to production AI and multi-agent orchestration. Equip frontline ops, digital teams, engineers, and tech leads to unlock AI use cases across deposits, cards, mortgages, personal financing, auto finance, wealth, SME, and the contact centre.
AI Agentic Automation via n8n
Transform retail operations, credit ops, KYC/CDD, AML, branch, and contact-centre teams into AI-ready operators. Participants build real AI agents using n8n that automate their own daily workflows — document-heavy KYC onboarding, credit underwriting prep, AML alert triage, complaints routing, branch reconciliation, and BNM regulatory reporting.
Retail Ops, Credit Ops, KYC/CDD, AML, Branch & Contact Centre Leaders
2-Day Hands-on Workshop
1 Cohort of up to 35 pax
Scale to additional cohorts after impact is measured.
AI Vibe Coding & Rapid Prototyping
Empower digital banking, consumer cards, mortgage, wealth, and retail marketing teams to rapidly prototype and ship AI-powered customer and RM experiences — without waiting months for IT. Build RM copilots, wealth advisor dashboards, loan pre-qualification calculators, campaign landing pages, and branch productivity tools in days.
Digital Banking, Consumer Cards, Mortgage, Wealth & Retail Marketing
2-Day Hands-on Workshop
Half Cohort (up to 13 pax)
Small group for focused prototyping. Scale to full cohort after impact is measured.
AI Engineering for Production (AWS)
Equip core banking, digital engineering, fraud/AML, and data teams to build, deploy, and maintain production-grade AI systems on AWS. Participants go deep on RAG, LLM Ops, eval gating, and secure deployment patterns — wiring AI into fraud detection, credit decisioning augmentation, contact-centre copilot, product/policy knowledge retrieval, and next-best-offer personalization at CIMB scale.
Core Banking, Digital Engineering, Fraud/AML, Data & MLOps Teams
2-Day Hands-on Workshop
Half Cohort (up to 13 pax)
Small, senior group for production AI builders. Scale after impact is measured.
AI Orchestration & Multi-Agent Systems
Train tech leads and solution architects to orchestrate fleets of AI agents across complex retail-banking journeys. Participants learn Claude Code, multi-agent design patterns, and human-in-the-loop workflows — wiring AI into end-to-end loan origination, customer onboarding, contact-centre escalation, wealth advisory sidekicks, and cross-product cross-sell choreography across core banking and digital channels.
Tech Leads, Solution Architects & Senior Developers (Retail Tech)
2-Day Hands-on Workshop
Half Cohort (up to 13 pax)
Senior tech leads who will cascade orchestration patterns to wider engineering once impact is measured.
Deferred Pillars: Governance & Security
AI Strategy & Governance (aligned to BNM/RMiT) and AI Security & Data Governance are intentionally not in this pilot — they are most valuable once the four core build-capability pillars have produced measurable impact. We propose them in Phase 2 — sized to the evidence — so CIMB only invests in what the pilot justifies.
Program Summary at a Glance
| Pillar | Program | Audience | Duration | Post-Training Support | Est. Pax |
|---|---|---|---|---|---|
| 01 | AI Agentic Automation (n8n) | Retail Ops, KYC/AML, Credit Ops, Branch & Contact Centre | 2 Days | 3 Months | Up to 35 |
| 02 | AI Vibe Coding & Prototyping | Digital Banking, Cards, Mortgage, Wealth & Retail Marketing | 2 Days | 3 Months | Up to 13 (half cohort) |
| 03 | AI Engineering (AWS) | Core Banking, Fraud/AML, Data & MLOps | 2 Days | 3 Months | Up to 13 (half cohort) |
| 04 | AI Orchestration & Multi-Agent | Tech Leads & Solution Architects (Retail Tech) | 2 Days | 3 Months | Up to 13 (half cohort) |
Lean Pilot Timeline
An 8-week training rollout across the four pillars, followed by a 3-month impact measurement window on retail-banking KPIs. Only then do we jointly propose Phase 2 scaling — sized to the evidence.
Agentic Automation Cohort
2-day hands-on workshop for up to 35 retail ops, KYC/CDD, AML, credit ops, branch, and contact-centre staff. Participants deploy live AI agents for onboarding, underwriting prep, complaints triage, and BNM reporting workflows.
Vibe Coding Half-Cohort
2-day workshop for up to 13 digital banking, cards, mortgage, wealth, and retail marketing staff. Teams prototype real solutions for RM copilots, wealth dashboards, loan calculators, and campaign landing pages.
AI Engineering Half-Cohort
2-day workshop for up to 13 core banking, fraud/AML, digital engineering, and data staff. Teams ship production-grade RAG and LLM Ops pipelines on AWS for product knowledge retrieval, fraud augmentation, and contact-centre copilots.
AI Orchestration Half-Cohort
2-day workshop for up to 13 tech leads and solution architects. Teams stand up multi-agent orchestrations (Claude Code + MCP) for end-to-end loan origination, customer onboarding, and contact-centre escalation with maker-checker controls.
Measure Impact
3 months of post-training support included. Track TAT reduction, NPS uplift, hours saved, cross-sell conversion, fraud losses avoided, and cost per transaction against a defined baseline. End with a joint impact review session with retail leadership.
Scale Proposal
Based on measured impact, we jointly propose Phase 2 — which may include wider cohort rollout across subsidiaries (CIMB Niaga, CIMB Thai), Islamic retail, AI Strategy & Governance (BNM/RMiT aligned), or AI Security & Data Governance. Scope and pricing sized to evidence.
Target Outcomes
Measurable pilot outcomes CIMB retail leadership can expect within the 3-month post-training measurement window — the evidence that informs Phase 2 scaling decisions.
10+ AI Agents Deployed
Automation cohort deploys live n8n agents into KYC/CDD, AML, credit ops, complaints, and BNM reporting workflows — each participant leaves with at least one production agent integrated into core banking.
10x Faster Prototyping
Digital banking, cards, mortgage, wealth, and retail marketing teams ship RM copilots, wealth dashboards, and customer-facing prototypes in days instead of months.
Production AI Pipelines on AWS
Engineering cohort ships RAG + LLM Ops pipelines with eval gating into product/policy knowledge retrieval, fraud augmentation, contact-centre copilot, or next-best-offer personalization.
Multi-Agent Orchestrations Live
Tech-lead cohort stands up Claude Code + multi-agent orchestrations for end-to-end loan origination, customer onboarding, or contact-centre escalation with human-in-the-loop maker-checker controls.
Up to 74 AI-Ready Retail Staff
A full-stack seed cohort of operators, prototypers, engineers, and orchestrators who can teach, coach, and expand the capability across branches and subsidiaries once Phase 2 is approved.
Baseline-to-ROI Report
Documented before/after metrics on TAT, NPS, hours saved, cross-sell conversion, fraud losses avoided, and cost per transaction — the evidence base for Phase 2 cost-to-income decisions.
Full-Stack Pilot Investment
A full-stack AI capability pilot across retail frontline, digital teams, core engineering, and tech leads. Adjust cohort size to simulate your investment. 100% HRDC claimable, and each cohort includes 3 months of post-training support. Scale proposal comes later — priced to the measured outcome.
AI Agentic Automation (n8n)
2-Day WorkshopUp to 35 pax per cohort. Includes 3 months post-training support.
AI Vibe Coding & Prototyping
2-Day WorkshopHalf cohort (up to 13 pax) default — priced at RM37,500. Scale to full cohort after impact is measured. Includes 3 months post-training support.
AI Engineering (AWS)
2-Day WorkshopHalf cohort (up to 13 pax) default — priced at RM42,500. Senior engineering group. Includes 3 months post-training support.
AI Orchestration & Multi-Agent
2-Day WorkshopHalf cohort (up to 13 pax) default — priced at RM42,500. Senior tech leads group. Includes 3 months post-training support.
Claimable via SBL-Khas
Net cost to company: RM0
Four Pillars, 100% HRDC
100% HRDC claimable
* All prices in Malaysian Ringgit (RM) and are subject to +8% SST. Each training pillar includes 3 months of post-training support. Scale-up pricing is proposed separately, only after the pilot's measured impact is reviewed.
3 x 1.5-Hour Strategy & Scale Sessions
Included free of charge for CIMB. Three focused working sessions with the AITraining2U team to guide the change-management side of this pilot — outlining the strategy, execution plan, and scaling path alongside the training delivery, aligned to CIMB's retail cost-to-income targets.
Strategy Alignment
Define pilot priorities, target retail workflows, and the measurement baseline with retail leadership.
Execution Playbook
Mid-pilot review: unblock cohort adoption, refine workflow selection, and tune change-management tactics for branch rollout.
Scale Plan
Review measured impact and co-design the Phase 2 scale roadmap — sized to evidence, mapped to CIMB's retail targets.
Total 4.5 hours of dedicated strategy & change-management advisory — included at no additional cost.
Who Joins the Pilot
Pillar 1 — AI Agentic Automation
Up to 35 staff from Retail Ops, KYC/CDD, AML, Credit Ops, Branch Network, and Contact Centre — the teams whose daily workflows absorb the most manual effort today.
Pillar 2 — AI Vibe Coding & Prototyping
Up to 13 staff from Digital Banking, Consumer Cards, Mortgage, Personal Financing, Wealth, and Retail Marketing — teams that need to ship RM copilots, customer prototypes, and campaigns fast.
Pillar 3 — AI Engineering (AWS)
Up to 13 staff from Core Banking, Digital Engineering, Fraud/AML, Data & MLOps — senior builders who take retail AI pilots into production with CI/CD, eval-gating, and BNM/RMiT-aligned guardrails.
Pillar 4 — AI Orchestration & Multi-Agent
Up to 13 staff from Retail Tech Leads, Solution Architects, and Senior Developers — the people who will choreograph AI across loan origination, onboarding, contact centre, and cross-product journeys.
AITraining2U Advisory Support
3 months of post-training consulting included. Participants can escalate blockers, architecture questions, and retail workflow design decisions to our team throughout the measurement window.
30 Retail-Banking AI Use Cases Rolled Out
Pilot target: at least 30 real AI workflows, prototypes, pipelines, or orchestrations deployed across retail-banking operations during the 3-month measurement window, with AITraining2U consulting support throughout rollout.
TAT Reduction
Days/hours shaved off onboarding, underwriting, complaints
Cost-to-Income Impact
Cost per transaction / per application reduced
NPS & CSAT Uplift
Branch, contact-centre, and app satisfaction gains
Fraud Losses Avoided
AML alerts triaged faster, false-positive reduction
Cross-Sell & Conversion Lift
Incremental revenue from RM copilots, next-best-offer, wealth sidekicks, and campaign prototypes shipped
Each of the 30 use cases is measured on whichever dimensions apply, captured in the baseline-to-ROI report at the end of the 3-month window.
100% HRD Corp
Claimable
All four pilot pillars are fully covered under the SBL-Khas scheme. CIMB can utilise its existing HRDC levy to fund the entire pilot with zero out-of-pocket cost — and only commit to scaling after measured impact on retail KPIs.
Inquiry & Proposal
We provide a pilot proposal with a detailed breakdown for all four pillars.
Grant Application
Submit via the e-TRiS portal using our registered provider code.
Execution & Claim
We handle the post-training claim process directly with HRD Corp.
Trusted by Malaysia's Leading Financial Institutions & Enterprises
World-Class Faculty
Our trainers bring decades of experience from management consulting, financial services transformation, multi-million dollar tech exits, and specialized data science.
Warren Leow
Founder & Strategy Lead
Former management consultant at Bain & Company. Founder of multiple fintech/tech startups with exits, and deep exposure to retail banking, e-wallets, and remittance. Specialist in connecting business strategy with agentic AI implementations.
LinkedIn
Chan Wei Khjan
Finance & Process Transformation Lead
Former Audit Partner at YYC. Deep expertise in financial controls, process automation, and governance. Leads the technical implementation of n8n workflows for enterprise finance, audit, and compliance teams.
LinkedIn
Poo Kuan Hoong (KH)
Data Science, ML and AI Specialist
Deep expertise in AI/ML and Data Science platforms. Specialist in production-ready data and AI solutions spanning modern data engineering, MLOps, and practical GenAI/agent workflows — including fraud detection and credit decisioning augmentation.
LinkedIn
Marcus Chia
UI/UX & Product Lead
Expert in translating user needs into functional AI-driven interfaces. Teaches how to use AntiGravity and Claude Code to build polished, user-centric apps for RMs, wealth advisors, and digital banking customers.
LinkedIn
Tze Jin
AI & ML Specialist
Deep expertise in machine learning and backend logic. Guides participants on integrating complex AI reasoning, RAG retrieval, and database structures — directly relevant to product knowledge, fraud, and credit decisioning.
LinkedIn
Shah Mijanur
Cybersecurity & Agentic Security Expert
Expert in data pipelines, database management, and RAG integration. Understands the regulatory context (BNM/RMiT) for how AI agents should retrieve, mask, and process sensitive customer and transaction data securely.
LinkedInWhy AITraining2U for CIMB Retail
We are uniquely positioned to serve CIMB's senior retail leadership because we combine three rare ingredients: deep financial services experience, Malaysia-native regulatory context, and a full-stack trainer bench that has taken AI pilots from branch-floor workflow to production-grade multi-agent systems.
Proven in Financial Services
We have trained teams at Ryt Bank (Malaysia's AI-first digital bank), MoneyMatch (remittance), CTOS (credit bureau), and multiple Bursa-listed financial institutions. We understand credit, KYC/AML, fraud, and contact-centre workflows — not in abstract, but in the way they actually run in Malaysian banks.
Retail Banking Use-Case Fluency
We don't teach generic AI. We teach AI pinned to real retail-banking outcomes — onboarding TAT, underwriting cycle time, NPS uplift, cross-sell conversion, AML false-positive reduction, RM productivity. Our cohorts leave with agents, prototypes, and pipelines wired to those specific KPIs.
BNM/RMiT-Aware Delivery
Our faculty (former audit partner at YYC, cybersecurity expert, data-science lead) understands Malaysia's BNM RMiT, PDPA, and CRR guardrails. Every workshop builds with PII masking, maker-checker patterns, audit trails, and deployment controls retail banks actually need to pass internal risk review.
Full-Stack Bench, Single Provider
Most vendors can train either business users or engineers. Our bench covers all four pillars — Bain-trained strategist, audit-partner process lead, data-science/ML specialist, UI/UX & Claude Code expert, backend AI engineer, and a cybersecurity/RAG specialist. CIMB gets one integrated engagement, not four fragmented vendors.
1,000+ Professionals, 300+ Organizations
Proven track record across Bursa-listed companies, GLC subsidiaries, financial institutions, and leading Malaysian enterprises. Our training has run at enterprise scale, not just as bootcamps — we know how to handle large cohorts, clearances, and on-site delivery inside secure environments.
700+ Ready-to-Deploy Templates
Access to the Supern8n marketplace with pre-built AI workflow templates covering finance, KYC, customer service, marketing, wealth, and ops. Participants don't start from a blank canvas — they adapt templates that already work.
Post-Training Support Built In
3 months of post-training support is included with every pillar. No surprise consulting fees when cohorts hit a real-world blocker — our trainers stay engaged through the measurement window, which is the difference between workshops that fade and workshops that ship.
Registered HRD Corp Provider
All four pillars are 100% claimable under SBL-Khas. We handle the end-to-end claims process — making it seamless for CIMB's HR, L&D, and Group Finance teams to deploy training levy without adding paperwork.
The Bottom Line
For CIMB's senior retail executive team, this pilot is designed to produce evidence before commitment: 30+ live AI use cases, measured against retail-banking KPIs that move cost-to-income, NPS, and cross-sell. AITraining2U is the only Malaysian provider that combines financial-services context, BNM/RMiT awareness, and a full-stack trainer bench — delivered as one integrated engagement, 100% HRDC-funded.
Ready to Transform
CIMB Retail?
Let's schedule a 30-minute briefing to walk the retail leadership team through the full program structure, pricing, and HRDC claims process.