Data Integration Requirements
Customer Identification System
- Primary Customer ID: Specify your unified customer identifier system (CIF number, account number, etc.)
- ID Format: Provide sample ID format/structure for validation
- Cross-System Mapping: Documentation of how customer IDs map across your various banking systems
- PII Handling Requirements: Specify any restrictions on customer data handling or encryption requirements
Data Sources & Access
- Core Banking System: Version, vendor, and API capabilities
- Data Warehouse/Lake: Connection details, available schemas, and data refresh schedules
- Real-time vs Batch Data: Specify which data points are available in real-time vs batch processing
- Data Governance Contacts: Primary technical contacts for data access and compliance approval
Product & Account Structure
Please provide details for each product type you want to include in promotions:
Consumer Banking
- Checking and savings account types and product codes
- Credit card products and reward structures
- Personal loan and mortgage products
- Investment and wealth management offerings
Business Banking
- Commercial checking and savings products
- Business credit products (cards, lines of credit, term loans)
- Treasury management and cash management services
- Merchant services and payment processing
Product Hierarchy
- Product categorization and grouping logic
- Relationship between different account types
- Multi-product package offerings
Fee Structure
- Current fee schedules for all products
- Monthly maintenance fees, transaction fees, and service charges
- Existing fee waiver criteria and promotional structures
- Overdraft and NSF fee policies
Customer Segmentation Data
Please confirm availability and format for:
Account Activity
- Login frequency across channels (mobile, online, branch, phone)
- Transaction volume and frequency by type
- Digital engagement metrics (bill pay, mobile deposit, transfers)
- Service utilization patterns
Financial Behaviors
- Balance trends and account funding patterns
- Spending categories and merchant types (for card products)
- Investment activity and portfolio changes
- Credit utilization and payment behaviors
Demographic & Profile Data
- Age, income segments, geographic location
- Life stage indicators (student, homeowner, retiree, etc.)
- Employment and industry classifications
- Tenure as customer and relationship history
Existing Segmentation & Tagging
- Risk Classifications: Credit risk, fraud risk, compliance flags
- Marketing Segments: Current targeting criteria and customer classifications
- Product Eligibility: Qualification criteria for different products and services
- Communication Preferences: Opt-ins, channel preferences, frequency caps