Account analysis
Turn operational chaos into customer trust
Imagine a world where corporate treasurers trust their banks completely. Where pricing is transparent, costs are predictable, and banks helps clients achieve their goals. Where relationship managers respond to client needs in hours, not weeks. Where operations teams spend their time building relationships instead of chasing down billing errors. That is account analysis reimagined.
The problem
Account analysis was created for a world we no longer live in
Modern banking runs on instant payments, same-day execution, and real-time transparency. Account analysis runs on outdated processes, disconnected systems, and legacy architecture – leading to overwhelming complexities. Operations teams face “five days of chaos” generating monthly statements. Revenue leaks from every disconnected step of the process and client trust erodes with every dispute.
The result: What’s promised isn’t what’s executed, what’s executed isn’t what’s billed, and what’s billed arrives too late.
Interview with Zafin’s industry advisors Mun Tham and Dan Gill on the complex challenges of corporate deal management
Diagram illustrating Zafin Agreements as a centralized system of reference that unifies product and service agreement data to ensure consistent interpretation and usage across banking functions.
Two example interactions highlight real-world use cases:
Eligibility Confirmation via Customer Service (bottom left):
A chat interaction shows a customer named Eric asking, “How do I qualify for gold tier?” The automated response reads: “Congratulations Eric! Because you have direct deposit for your savings account and you have a mortgage with us, you already meet gold tier status.” This demonstrates how service teams can instantly reference verified agreement criteria, eliminating manual interpretation and enabling faster, more accurate service resolution.
Contextual Offer Logic (top right):
A promotional banner reads: “New exclusive banking offer! 1.75% bonus interest when you add a joint account.” This illustrates how verified agreement context supports tailored marketing logic. Instead of relying on broad segmentation, offer eligibility is driven by real agreement data across products and customer relationships.
Our solution
Account analysis reimagined
“Five days of chaos” isn’t the cost of doing business. It’s the cost of disconnected systems and legacy architecture. Our platform unifies product, pricing, deals, execution, and billing into one system to create a 360 degree view of the customer. Chaos becomes clarity. Leakage becomes control. Account analysis becomes a driver of trust.
The impact
Achieve relationship primacy
When trust replaces friction, client relationships become client partnerships. Banks that deliver trusted pricing, predictable costs, and innovative products become indispensable while their competitors become dispensable. Clients consolidate around banks they can depend on. Relationship primacy becomes reality.
The mindset shift
Account Analysis doesn't start with the bill
Reimagining account analysis starts with a mindset shift: from “how do we bill faster” to “how do we empower with the clarity, transparency, and agility to build customer trust”
Empower the front office
Deliver products and solutions that drive client success
This diagram illustrates Zafin’s architecture for product and service agreement data management, organized into three conceptual layers.
Foundation layer (Bottom)
Unified, verified system-of-reference for product and service agreements and related data.
Depicted as a stack of three horizontal layers labeled “Agreements,” “Arrangements,” and “Entitlements.”
Connection layer (Middle)
Standardize integration with real-time APIs.
A grouping labeled “Real-time APIs” connects the foundational agreement data to upstream systems.
Channel layer (Top)
Connect systems of engagement and record. Four curved branches extend upward to icons representing different systems – pricing engines, analytics tools, customer service platforms, and digital channels.
Empower the front officeDeliver products and solutions that drive client success
Gain the visibility and flexibility required to deliver outcomes that clients trust
Maintain pricing and profitability consistency across both product and sales
Eliminate manual deal processes with a single view of customer deals and history
Ensure what’s negotiated is billed with a steel thread from deal to billing
Empower the back office
From “five days of chaos” to seamless execution
Shift from manual processes to automated billing execution that delivers with reliability, accuracy, and transparency
Provide real-time visibility into fees, usage, and commitment status for both operations teams and clients
Execute pricing and terms transparently, maintaining fidelity from agreement to billing
Respond to client needs with accuracy and efficiency using centralized, configurable billing logic
Empower the back office
From “five days of hell” to seamless execution
Unite the organization
Steel-threaded continuity from deal through billing and renewal
Unite the organization
Steel-threaded continuity from deal through billing and renewal
Drive smarter decisions with unified processes and centralized data across the entire lifecycle
Track commitments and performance across the entire customer lifecycle in real time
Identify revenue leakage and client risks before they compound into problems
Enable smarter, insight driven decisions with relationship-based KPIs
A united customer experience
Connect every touchpoint into a seamless experience
Power better servicing, personalization and execution by making agreement data accessible, trusted and actionable across the bank
Product and pricing
Start by delivering products customers want with pricing they can trust
Gain the efficiency, flexibility, and data required to build better products, price more accurately, and deliver with speed
Centralize product and pricing to establish a single source of truth throughout the lifecycle
Launch innovative products quickly to meet evolving customer needs
Make informed product and pricing decisions with integrated market data
Manage complex client relationships with a 360 degree client view and configurable hierarchies
Deal negotiation
Win deals while protecting profitability
Give teams the clarity, control, and speed to structure competitive offers without sacrificing margins
Work from a single view of customer deals, profitability, and history, eliminating spreadsheet chaos and approval delays
Respond quickly with flexible pricing and product configurations that adapt to customer needs and market opportunities
Standardized processes ensure compliance and consistency across products and regions, creating predictable client experiences
Compare pricing against competitive benchmarks to structure winning deals while protecting margins
Execution
Close the gap between promise and delivery
Connect deal terms directly to billing and monitoring systems without manual handoffs or translation errors
Bill exactly what was negotiated by flowing signed agreements directly into execution without translation errors
Protect revenue by maintaining complete fidelity to negotiated rates, fees, and customer commitments
Ensure end-to-end auditability from agreement to billing
Statements and billing
Build trust through transparency and real-time accuracy
Deliver clear, itemized billing that strengthens client confidence and reduces disputes
Price every transaction accurately based on agreement terms, reducing misclassified fees and unbilled services
Provide clients real-time visibility into accurate fees and usage
Monitor client engagement with real-time commitment tracking
Deliver fully customizable statements in industry-standard formats
Predicitive analytics and monitoring
Identify opportunities and risks before they escalate
Leverage AI-driven anomaly detection and predictive analytics to identify risks, optimize pricing, and enable proactive relationship management
Detect anomalies in usage patterns, fees, and commitments before they impact revenue or customer relationships
Surface trends in usage patterns, profitability, and margin performance across your portfolio
Inform pricing strategies, product development, and renewal conversations with ai-powered insights
Renew and reprice
Drive growth through strategic renewals and pricing optimization
Empower sales and product with the transparency, insights, and flexibility needed to power growth and profitability
Enable contextual, personalized renewal conversations with complete visibility into agreements and performance
Model and evaluate pricing changes to understand customer impact before implementation
Leverage unified insights to strengthen renewal strategies and optimize pricing decisions
Podcast
Account analysis may not sound glamorous, but it’s where revenue and loyalty is won or lost. In Banking Transformed, Jim Marous and Zafin’s Dan Gill discuss how AI and modern software turn outdated billing into growth engines that boost transparency and client engagement.
Connect with us
Talk to of our our industry experts to see how Zafin can help you reimagine Account Analysis for modern banking