Business Challenge

To conduct privacy-compliant analytics and machine learning across customers and jurisdictions that meet current and upcoming regulations such as GDPR and the UK Data Protection Bill, while opening the opportunity for secure cloud computing. Applications for zero-knowledge computing in Commercial, Retail and Private Banking include:

  • Customer marketing and portfolio evaluation
  • Fraud detection and AML investigation
  • Credit risk analysis
  • Cross-organizational customer analytics


As reported in the Wall Street Journal, customers like ING Belgium use the XOR Secret Computing™ Engine to build analytical models using their data from multiple countries with stringent data security and personal privacy rules, like Switzerland and Luxembourg.  Proprietary algorithms generated by ING data science teams are compiled with XOR and secretly computed by all regional datacenters and/or cloud services providers without revealing any sensitive information; no PII is exported from any jurisdiction.  With more data sources, the teams can build improved models and more accurately predict anything from loan defaults and payment fraud to identifying which products or services a customer is likely to buy.