CDP architecture for the bank
Customer profile above product silos. Identity resolution for the multi-product banking customer, real-time access for channels.
Discuss Your ChallengeWhy the bank needs CDP
Banking core (ABS) stores accounts, not customers. Card processing, lending pipeline, FX, mortgage — each with its own customer record. Cross-product view absent.
CDP is the layer that resolves identity across systems and provides a unified profile to downstream channels (mobile app, contact centre, marketing, advisory).
Structural elements
Identity resolution. Linking records by passport, tax ID, phone, email. In the bank specifically — hard due to KYC variations, joint accounts, corporate hierarchies.
Profile store. Denormalised single profile with current state (products, balances, segments) + rolling aggregates (LTV, churn risk, propensity).
Event ingestion. Streaming events from ABS, card processor, app, branch, contact centre.
Consent layer. Each profile attribute bound to customer consent. Per-purpose (marketing, scoring, partner sharing).
Channel APIs. Unified API for downstream — channels see consistent view.
Audience builder. Segments for marketing on 360 view, not product-specific data.
Where banking-specific is harder than telecom
Joint accounts — multi-owner records.
Corporate hierarchies — holding → subsidiaries → accounts.
Regulatory restrictions on cross-product profiling — some jurisdictions require explicit consent.
KYC refresh cycles — profile must reflect current verification status.
Beneficial ownership — for AML profile must include UBO links.
Operating model
Owner — CDO with tech mandate. Not marketing, not IT infra.
Stewardship per source domain (ABS, cards, lending).
Consent steward (compliance / DPO).
Channel integration leads.
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