Use Cases
The Customer Summary API offers a comprehensive view of a customer’s basic, lending, and non-lending information. By integrating this API, banks can enhance operational efficiency, improve decision-making, ensure compliance, and deliver a better overall customer experience.
A Relationship Manager (RM) needs to retrieve comprehensive customer information. The RM inputs the customer's legal ID and/or mobile number on a third-party application. This triggers a sequence of API calls to fetch detailed customer information, which includes both basic details and lending or non-lending information.
The third-party application makes a call to the getCusSummary API.
Upon receiving the request, the API Hub processes it and routes it to ODS. ODS is responsible for storing customer information.
The API Hub then forwards the request to ODS.
The NCB backend services gather the customer information, which includes:
- Basic Information: Such as the customer’s name, date of birth, address, and contact details.
- Lending Information: Details of any current or past loan of each lending product (lending products include credit cards, other secured loans, other unsecured loan, revolving loan, overdraft), including loan types, amounts, statuses, overdue, and payment history.
- Non-Lending Information: Information related to other financial activities, such as fixed deposits, CASA, customer’s payroll
After compiling the customer information, the NCB backend services send the data back to the API Hub.
The API Hub forwards the retrieved customer summary data to the third-party application via the getCusSummary API.
- If the customer is new to the bank and there is no record in the NCB database, the response will indicate zero records and return an empty array.
- If exactly one CIF (Customer Information File) is found, the system will retrieve and display the customer’s information accordingly.
- If multiple CIFs are found, the system will notify with the message: “Thông tin bị trùng” (in Vietnamese) or “Customer information matches other customers in the system” (in English).
The Relationship Manager reviews the customer summary data within the third-party application. This information is used to assess the customer’s financial status, verify details, and make informed decisions regarding the loan application.
