Unified Client Profile for Financial Services

The Unified Client Profile (UCP) for Financial Services is designed to create a holistic and dynamic 360-degree view of each client, based on the industry-specific object data model.
It aggregates data from disparate internal and external sources (CRM, core banking, marketing platforms, transaction data, etc.).
UCP empowers financial institutions (WM/AM/RIA, banks, insurers) to gain deep insights into client needs, preferences, behaviors, financial goals, life events, and risk profiles.
Powered by Dynamics 365, Power Platform and Azure (including AI and analytics).

Key Features:

• Data aggregation: consolidates client data from diverse sources, supporting both structured and unstructured data.
• 360-degree client view: provides a single, unified client profile with all relevant information (contacts, demographics, interaction history, products, financial holdings, investment portfolios, life events, preferences).
• Financial services data model: utilizes an industry-specific data model for standardization and easier integration.
• Life event tracking: identifies and enables responses to key client life events (e.g., buying a home, retirement) for timely, relevant offers.
• Relationship & interaction management: integrates with Dynamics 365 (Sales, Service, Marketing) for personalized, omnichannel engagement and a complete communication history.
• Portfolio management capabilities:

• Investment portfolio monitoring: enables tracking and oversight of client investment portfolios.
• Performance statistics: facilitates calculation of key portfolio statistics and performance metrics.
• Market data integration: supports integration with data vendors to retrieve real-time or delayed market prices for accurate valuations.

• AI-powered analytics & insights: leverages Power BI and Azure AI/ML for pattern discovery, client segmentation, predictive insights (e.g., churn), and Next Best Action recommendations.
• Collaboration tools: Microsoft Teams integration for seamless collaboration among staff (e.g., relationship managers, specialists) around client profiles.
• Audit trail: comprehensive logging of changes made to client data and system access, ensuring accountability, supporting regulatory compliance, and facilitating internal governance.
• Security & compliance: built on the secure Azure platform, adhering to industry security standards and regulatory requirements (e.g., GDPR, KYC/AML).

Solution Benefits:

• Enhanced client experience: deeper client understanding enables highly personalized service and relevant offers, boosting satisfaction and loyalty.
• Improved sales & marketing effectiveness: data-driven segmentation and targeting lead to more successful campaigns and increased cross-sell/upsell opportunities.
• Better risk management: a complete view of client finances and behavior aids in accurate risk assessment and informed decision-making (e.g., lending, investment suitability).
• Increased operational efficiency: automated data consolidation reduces manual effort, freeing staff for value-added tasks. A single source of truth eliminates data silos.
• Faster Time-to-Market for products: insights into client needs accelerate the development of in-demand financial products.
• Regulatory compliance: streamlines KYC/AML processes with centralized access to comprehensive client information.
• Empowered employees: equips employees with all necessary information in one place for faster, better-informed decisions, including portfolio insights.