banking.X.hub

Identify relevant opportunities for financing at an early stage and act on them at the right moment.

Based on regular rent payments into current accounts, the CRM identifies customers who are tenants and who may be potential candidates for a mortgage. On this basis, a personalised approach can be triggered automatically – for example, with a reference to a possible monthly mortgage repayment equivalent to their current rent, or with an initial pre-qualified offer for a mortgage.

Relevant core banking data, such as rent amount, income and available equity, is incorporated directly into the preparation of the case. In this way, a transaction-based signal is transformed into a concrete advisory opportunity the sales team can act on.

The added value: The bank identifies financing opportunities at an early stage, increases the likelihood of closing a deal and secures long-term interest income from a profitable product range. At the same time, customers receive relevant, well-timed outreach and advice tailored to their actual life circumstances.

All relevant information consolidated to enable informed decisions and better advice.

The banking.X.hub links information from core banking systems and other relevant contact channels to create a comprehensive view of the customer. This provides an overall picture that goes beyond individual data points. As well as products and accounts, advisers can see relationships, the customer’s personal circumstances and their full contact history.

At a glance, it is clear when the last contact took place, via which channel it was made and what it was about. At the same time, personal connections such as partners, family or business relationships, as well as contextual information such as employers, are immediately visible and can be contextualised. This fosters a deep understanding of the customer’s specific situation. Conversations build seamlessly on existing interactions and specifically address what is currently on the customer’s mind.

The result is a personalised, coherent and proactive dialogue. Customers feel recognised and understood because the bank maintains a clear overview at all times and responds appropriately.

Identify sales opportunities and capitalise on them consistently.

With the banking.X.hub, sales opportunities are identified directly from the customer’s situation and translated into specific follow-up actions. Tasks, reminders and campaigns can be managed and tracked in one place. For example, following a consultation, a reminder for a suitable follow-up product is automatically generated, ensuring the customer is contacted again at the optimal time.

This ensures that no potential goes untapped and that customers are approached with suitable offers at the right time.

Communication is integrated and available in context at all times.

Email and telephone calls are seamlessly integrated into customer processes. Contacts are automatically documented and are available directly in the customer view. Advisers can conduct and track conversations and messages without having to switch systems. For example, an incoming call is automatically assigned to the customer; the call note is then stored directly in the system alongside the email sent. This ensures end-to-end processes, reduces manual effort and improves the traceability of all customer interactions.

Flexibly manage and target customer groups.

The banking.X.hub enables the dynamic creation of customer segments based on up-to-date data. Changes in customer behaviour or life circumstances are automatically taken into account, leading to continuous adjustment of the segments. For example, customers with growing account balances can be automatically assigned to a segment with investment potential and targeted with suitable offers. This results in more precise target groups and a marketing approach that is better tailored to customers’ actual needs.

Smart support for better decisions in customer interactions.

The banking.X.hub uses artificial intelligence to provide targeted support to advisers in any conversation scenario. Relevant information is automatically collated, prioritised and presented in a clear and understandable way. This makes it immediately apparent which topics are currently of key importance to the customer and what the next logical steps should be.

The AI recognises patterns in data and interactions, provides context-based recommendations and helps to suggest suitable offers. At the same time, it can structure the content of conversations, prepare next steps and handle routine tasks in the background.

Advisers retain control at all times, whilst the workload is noticeably reduced. They can focus more on the actual conversation and respond to the customer in a more targeted manner.

The result is a customer dialogue that is more informed, more efficient and, at the same time, more personal. Decisions become more transparent, responses are quicker, and the quality of the advice improves without becoming more complex.