Customer Analytics — Cubot BI
Solution

Customer Analytics
for Retail BFSI

Customers are the core of retail financial services. Understanding them in a holistic manner — across products, behaviours, and life events — gives organisations a genuine competitive edge. Data continues to grow in volume and variety; integrating it into a single source of truth has the power to transform both operations and strategy.

info@cubotbi.com
360° Customer View
WHO
Descriptive
Demographics, declared attributes, KYC profile
WHAT
Behavioural
Transactions, product usage, channel activity
HOW
Interaction
Branch, app, call centre, digital touchpoints
WHY
Attitudinal
Needs, preferences, satisfaction signals
All four data types unified in one model — the foundation for meaningful customer analytics.
Capabilities

What the platform delivers

From knowing who your customer is, to understanding what they need next — customer analytics across the full retail BFSI spectrum, built on a unified data model.

Customer Segmentation
Build meaningful segments based on value, behaviour, life stage, and product holding. Move beyond demographics to dynamic, data-driven customer groupings.
Product Propensity
Identify which customers are most likely to take up a product — savings, loans, insurance, investments — based on behavioural patterns and life events.
Churn & Attrition
Detect early signs of disengagement — falling transaction frequency, balance migration, reduced channel activity — before customers leave.
Customer Lifetime Value
Compute CLV across the customer base. Understand which segments and relationships drive revenue and which carry disproportionate service cost.
Product & Channel Usage
Track how customers engage across products and channels. Identify cross-sell opportunities and optimise channel mix based on actual usage patterns.
Satisfaction & Complaints
Integrate NPS, complaint, and resolution data into the customer profile. Surface dissatisfaction signals alongside product and transaction behaviour.
Data Integration

One source of truth

Customer data in retail financial services is fragmented across systems — core banking, CRM, digital channels, contact centres, and more. Each holds a partial view. The value lies in connecting them.

The platform ingests, reconciles, and structures data from all relevant sources into a single unified customer data model. The result is a consistent, current, and complete picture of each customer — available for analytics, reporting, and operational use without manual preparation.

Data Sources → Single Customer Model
Core Banking System
Accounts & balances
CRM & Sales Platform
Interactions & pipeline
Digital & Mobile Channels
Behavioural signals
Contact Centre
Service & complaints
Loan & Card Systems
Product holdings
Survey & NPS Data
Sentiment signals
Unified Customer Data Model
Single source of truth — complete, consistent, current
How It Works

From data to customer intelligence

01
Integrate Sources
All customer-relevant data connected, reconciled, and loaded into a unified model.
02
Build Customer Profiles
360° profiles constructed per customer — behavioural, transactional, attitudinal.
03
Segment & Score
Dynamic segments, CLV scores, propensity scores, and churn indicators computed.
04
Act on Insight
Dashboards, targeted lists, and alerts surfaced to teams that drive growth and retention.
CUBOT BI for BFSI
E-mail us @ info@cubotbi.com