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FINANCIAL SERVICES | CUSTOMER 360°
Real-Time Customer 360° Experiences Built for Modern Financial Institutions
Deliver consistent, relevant, and trusted customer experiences by unifying behavioral, transactional, and engagement data in motion across digital banking, branch, call center, trading, and payments channels.
Check out our 5 Steps to a Governed, Real-Time Customer 360° System checklist:
Unify customer and financial data across core and digital systems
Deliver consistent, real-time engagement across every banking channel
Modernize customer experiences without increasing regulatory risk
Deliver Trusted Personalization in Regulated Environments
Financial institutions operate across legacy systems, digital channels, contact centers, and trading platforms, often with fragmented customer data spread across the enterprise.
A real-time Customer 360° architecture continuously unifies behavioral, transactional, and engagement data as it’s generated. This enables banks, insurance agencies, and capital markets firms to understand customer intent while maintaining strict governance, privacy, and regulatory controls.
Key Benefits:
Identify risk and revenue opportunities in real time
Unify customer signals across touchpoints to understand intent and respond during high-value moments
Increase cross-sell, upsell, and product activation
Deliver timely, next-best actions across digital, advisor, branch, and service channels
Strengthen governance, privacy, and compliance
Personalize experiences without duplicating sensitive data, while ensuring every interaction remains secure and auditable
Use Cases
A real-time Customer 360° architecture enables high impact use cases across digital engagement, risk management, and customer servicing, including:
Hyper-Personalization
Trigger real-time, next best actions across banking, wealth management, lending, and insurance by activating governed customer data as it’s generated. Drive timely offers, proactive service, and deeper relationships.
Clickstream Analytics
Unify digital behavior with transactional and service data in real time to detect customer intent, reduce abandonment, and improve conversion across critical financial journeys.
Omnichannel Banking Alignment
Deliver a seamless, unified banking experience across digital, mobile, branch, contact center, and ATM touchpoints. Maintain a consistent customer context across channels so customers can begin interactions in one environment and complete them in another without disruption.
Core Banking Platform Modernization
Extend the bank’s central system of record with real-time, event-driven integration. Safely connect core platforms to digital channels, risk systems, and analytics without disrupting mission critical operations.
Turn Real-Time Customer Signals Into Intelligent Action
Events from core banking, card transactions, trading platforms, and digital channels are streamed into a governed, event-driven backbone and made available to servicing, marketing, fraud, and analytics applications in real time.
By delivering real-time customer context to every interaction, journey, and decision, financial institutions can understand intent as it happens and engage customers with greater relevance, speed, and trust—even in highly regulated environments.
See the Full Customer Journey in Real Time
Gain a continuously updated view of customer activity across core banking, payments, digital channels, and servicing systems.
Engage Customers During Live Financial Moments
Respond to account openings, payments, trades, and service interactions with timely, context-aware actions while engagement is still in progress.
Deliver Consistent Experiences Across Channels
Ensure digital, branch, advisor, and contact center interactions reflect the same up-to-date customer context.
Modernize Core Systems Without Increasing Risk
Extend core banking platforms with real-time data access while maintaining governance, resilience, and regulatory compliance.
Reference Architecture
How it Works
Unify customer and financial data in real time
Continuously stream event-level data from core banking systems, payments, lending platforms, trading systems, CRM, and digital channels to create a shared, always current customer foundation across hybrid environments.
Correlate behavior and transactions to understand intent
Process clickstream, transaction, balance, and service events in motion to detect customer intent, cross-sell opportunities, abandonment risk, or emerging threats while engagement is still in progress.
Govern and audit customer data with confidence
Enforce schema controls, lineage tracking, role based access, and encryption across all customer data flows to support compliance and other regulatory frameworks.
Enable consistent engagement across every banking channel
Deliver a unified customer view to digital banking apps, advisor platforms, branches, contact centers, fraud engines, and analytics systems without duplicating logic or tightly coupling to core systems.
Schedule a consultation to learn how our team can help you build a modern, real-time data foundation for your financial institution.