Turn fragmented data into a trusted, vendor-agnostic foundation

The challenge

Financial institutions hold customer and market data across CRM, core banking, cards, LOS, trading and digital channels. Third-party enrichment (household/firmographic profiles, HNWI dossiers) and lead-generation platforms add duplication, conflicting identifiers and schema drift.

Teams spend costly hours reconciling records while vendor lock-in raises switching risk and dual-running costs. Inconsistent inputs degrade risk models, compliance reporting and customer experience. Regulators demand traceability, privacy and retention evidence (GDPR, BaFin/MaRisk, MiFID II, PCI DSS).

Banks need a vendor-agnostic, auditable reconciliation approach that runs in their existing stack to turn scattered data into a trustworthy foundation.

Where we help

Enable trustworthy data across CRM, core, cards, market data, news, and third-party enrichment—implemented in your existing stack to drive insights, increase monetisation, and cut vendor lock-in.

CID offers:

1. Operate-in-place: implement and run reconciliation in your stack—no rip-and-replace
2. Identity resolution and survivorship: deterministic and probabilistic/ML matching
3. Vendor-agnostic models for data and concordance
4. Reconciliation pipelines: rulebook, reconciliation counts and tolerance bands, exception handling, and lineage/audit trails
5. Data quality & observability

Key Use Cases

1. Consolidated customer profile for CX and analytics
2. Market data harmonisation across vendor feeds
3. Vendor displacement & diversification
4. Risk/compliance inputs: AML/KYC refresh consolidation; MiFID II record alignment

Benefits

• More insights, higher automation, and better monetisation of data
• Drive down time to switch a vendor.
• Reduce dual-running overlap.
• Decrease manual efforts, faster onboarding of new vendors/sources.
• Improve data quality.
• Spend optimisation through competitive sourcing and reduced concentration risk
• Compliant by design: privacy, security, lineage, auditability

Our approach lowers data, system, and software TCO, and drives up ROI.

Why CID?

We deliver data reconciliation within your existing stack. We design architecture overlays, calibrate explainable matching models, and run service level objectives-driven operations. Vendor-agnostic patterns cut lock-in and cost-of-change. European engineering, privacy-by-design, and compliant, auditable pipelines ensure reliable, scalable outcomes.