For the next customer conversation
Walk into every meeting with the full picture.
Spend less time piecing together information and more time understanding what your customer needs next.
Banking, built around the relationship
Know your customer.Make the next movematter.
AI-Powered Customer Relationship Agent for Banking
One intelligent relationship cockpit. Bring customer context, credit insights and the right next action into every banker’s conversation.
Relationship cockpit
Customer 360
“Can Mohammed get a loan top-up? What should I do next?”
MA
Mohammed Ali
Premier customer · 8-year relationship
Total deposits$180,000
Loan exposure$320,000
Credit score768
A clearer way forward
$30,000 of a $50,000 top-up request may be eligible.
Illustrative partial eligibility · Subject to bank review
Next best action
Keep the relationship moving
Create a lead with the context and next step for the relationship manager.
Customer context → Policy checks → Explained next action
The business opportunity
Less searching.More relationship building.
Your teams already have the questions. Help them connect the information, understand the options and move the conversation forward.
01 / Outcome
Know the whole customer
Bring accounts, deposits, loans and engagement history into one relationship view.
Measure: meeting preparation time
02 / Outcome
Make growth more relevant
Identify top-up, card and cross-sell opportunities in the context of a customer’s needs and eligibility.
Measure: qualified lead conversion
03 / Outcome
Move with greater clarity
See exposure, policy checks and decision reasons together, with a clear next step for your team.
Measure: time to review & follow up
Outcomes to target and measure in a pilot; no performance improvement is guaranteed.
Built around the people who bank
Different responsibilities.One connected relationship.
Questions this role asks
01“What should I know before Mohammed’s review?”
02“Is he eligible for an additional loan?”
03“Which opportunities need my follow-up?”
From a question to a next step
A better conversationstarts here.
Follow Mohammed’s relationship from understanding his needs to assessing an opportunity and arranging a follow-up.
01 / Prepare for the meeting
“Give me the full customer picture.”
Understand the relationship before the conversation.
- Total deposits
- $180,000
- Loan exposure
- $320,000
- Credit card balance
- $18,500
- Term deposit balance
- $75,000
Recommended next stepPrepare a relationship review, then explore relevant borrowing needs and follow-up opportunities.
02 / Assess an opportunity
“Can Mohammed get a $50,000 top-up?”
Connect eligibility, risk and a clear explanation.
- Requested top-up
- $50,000
- Illustrative eligible amount
- $30,000
- Outcome
- Partially eligible
- Review context
- Affordability · exposure · policy
Recommended next stepCreate a lead with the request, eligible amount and decision reason. Assign it to the relationship manager to discuss the remaining requirement and alternatives.
03 / Explore a card limit increase
“Can we increase his credit limit?”
Review the right evidence and plan the next action.
- Known card balance
- $18,500
- Current limit & utilization
- Required for assessment
- Policy & affordability
- Check configured rules
- Eligible increase
- Pending authorized assessment
Recommended next stepPresent the recommendation and reasons for authorized review. Capture a follow-up lead where the customer needs a conversation or an alternative.
Illustrative experience using sample data from the concept. Recommendations require configured rules, available evidence and authorized review.
Relationship orchestration
One request.
The right expertise, working together.
01
Understand
Ask in everyday language. Start with the customer and the decision you need to make.
02
Connect
Bring together customer, credit, loan, card and risk perspectives.
03
Explain
See the eligible option, the decision reason and any constraints.
04
Follow through
Capture a qualified lead, assign an owner and track the next conversation.
Next step
Whatever the outcome, keep the next step clear.
01
Eligible
Confirm the option for authorized review.
02
Partially eligible
Discuss the available amount and alternatives.
03
Not eligible
Explain the reason and arrange a follow-up.
Confidence at every step
Your relationships.Your rules.Your people in control.
Give bankers useful answers within the boundaries of their role, their portfolio and your bank’s policies.
01 The right information for the right role
Scope customer records and insights to authorized responsibilities, branches and portfolios.
02 Decisions that can be explained
Bring customer context, policy checks and reasons into the review, with a record of the action.
03 Bankers retain decision authority
Credit decisions and execution follow your bank’s approval process. The agent supports authorized people.
For technology & data teams
Explore what’s under the hood.
Architecture, specialist agents and the governed data foundation.
One relationship agent. Eight specialist roles.
01Customer 36002Credit assessment03Credit cards04Loans05Risk06Loan top-up07Credit top-up08Lead creation
Microsoft Fabric connects source data through OneLake, curated data layers and domain semantic models. Specialist agents bring those insights into a coordinated relationship experience, with Power BI for visual analysis.
01
Data foundation
Customer profiles, accounts and transactions, loans and repayments, cards, deposits, business rules, product pricing and leads.
02
Access & accountability
Role-based access, row-level security and model permissions scope the information available. Decision and lead records support auditability.
03
Authorized operations
The current site also describes a separate Operations Agent for approved credit workflows. Integration scope and platform availability must be confirmed for each deployment.
Solution architecture
Scroll sideways to read the full diagram. Download for a full-resolution view.
Reference architecture from the NeoStats relationship concept. Final controls, integration design and service availability depend on the agreed deployment.
Start with a business priority
Make your first
pilot count.
Bring your business and technology teams together around a focused customer journey and measurable success criteria.
01 Choose the moment
Customer reviews, loan top-ups, card limit increases or relationship follow-ups.
02 Define the boundaries
Agree customer data, business rules, role permissions and approval responsibilities.
03 Measure what matters
Track preparation time, review turnaround, follow-up completion and lead conversion.
Let’s build stronger customer relationships
Make your next customer
conversation your best one.
See what a connected relationship experience could look like for your bank.