Customer 360

Customer 360

The Customer 360 API is a powerful suite of APIs designed to provide a holistic view of a customer's financial and transactional data. These APIs enable businesses to retrieve comprehensive information about individual customers and their associated accounts, credit products, transactions, and assets. By consolidating diverse customer data into a unified profile, the Customer 360 API enhances customer experience, improves decision-making, and streamlines banking operations.

Why use these APIs?

• Comprehensive customer insights: Customer 360 APIs provide detailed, real-time data about various financial products a customer holds, including CASA (Current Account, Savings Account), FD (Fixed Deposit), credit cards, insurance, loans, and more. This gives a complete view of the customer’s financial status.
• Enhanced personalization: By leveraging a complete profile of customer information, businesses can offer personalized services and targeted promotions, enhancing customer satisfaction and retention.
• Operational efficiency: With a unified API interface, businesses can simplify and automate tasks such as account information retrieval, transaction analysis, loan and credit status checks, and more. This reduces manual effort and operational complexity.
• Improved risk management: Detailed insights into customer transactions, credit status, overdue amounts, and collateral can help identify potential risks, enabling proactive management and timely interventions.
• Data-driven decision making: With easy access to a wide range of financial information, businesses can make informed decisions regarding loan approvals, risk assessments, and customer relationship management.

Key features

1. Customer profile information:
   • Retrieve detailed customer information, including personal and financial details.
2. Account information:
   • Retrieve specific details of customer accounts, including:
     • Current accounts
     • Fixed deposits accounts
     • Credit card accounts
     • Overdraft accounts
3. Product details:
   • Retrieve information about the products a customer is using, including loans, insurance policies, and credit cards.
4. Transaction data:
   • Access detailed transaction information for various accounts, such as CASA, credit cards, and overdraft accounts.
5. Credit information:
   • Retrieve the customer’s credit information, including credit limits, outstanding balances, and overdue amounts.
6. Collateral information:
   • Access details about any collateral the customer has, such as assets pledged for loans or other credit facilities.
7. Loan information:
   • Retrieve detailed information about the customer's loans, including loan accounts, statuses, overdue amounts, and repayment history.
8. Tagging and classification:
   • Get a list of tags applied to the customer profile based on different criteria or products, which helps in segmenting and understanding customer behavior.
9. Loan applications:
   • Retrieve information about a customer's loan applications, including details of the application status and associated products.
10. Account overdue status:
    • Retrieve a list of overdue accounts, helping businesses track and manage overdue payments effectively.
11. Unified API access:
    • A single API interface to fetch data from multiple customer accounts, helping businesses simplify their systems and improve data integration.