Zafin Agreements
Banks run on data. Customers run on trust.
The problem
Banks need data they can trust
Despite massive investments to fix broken systems, less than 1 in 3 banks trust their data enough to guide their decisions.1 Years of siloed systems, inconsistent data, and manual integrations have left banks with a fragmented view of customer relationships and the underlying product and service agreements that define them. This limits banks’ ability to deliver personalized experiences, manage risk effectively, prevent revenue leakage, and maintain regulatory compliance, weakening their competitiveness in today’s banking landscape.
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
Transform complexity into relationship clarity
Zafin Agreements addresses data fragmentation by centralizing agreement and arrangement data into a unified system of reference to create an accurate and trusted view of every customer relationship.
The impact
Better data, impactful products, customer trust
Unlock the full value of your data to power personalized offers and rewards that go beyond traditional banking, provide real-time visibility for frontline teams, simplify compliance, and reduce revenue leakage.
How it works
Customer relationship orchestration for banks
Go beyond contracts to unlock trusted, real-time data – modernizing your data, boosting customer loyalty, and enabling every team to act with clarity
Modernize your data
Build a trusted data foundation for modernization
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.
Modernize your dataBuild a trusted data foundation for modernization
Eliminate silos and reduce complexity with a unified data foundation built for scale
Provide clarity across the enterprise with centralized agreement data
Make agreement data lifecycle-aware, audit-ready, and instantly accessible for onboarding, servicing, and compliance workflows
Ensure scalability with BIAN-aligned data
Boost loyalty
Power lasting loyalty with a unified relationship view
Enable delivery of personalized, contextual, and timely offers
Gain a full view of every customer
Deliver value beyond traditional banking products and services through ecosystem partnerships and bundled offerings
Surface the right offer at the right time, then fulfill it with precision
Boost loyaltyPower lasting loyalty with a unified relationship view
Enable your teamsMake relationship data accessible, actionable, and auditable across the entire bank
Enable your teamsMake relationship data accessible, actionable, and auditable across the entire bank
Empower frontline, operations, risk, and advisory teams with a shared, always-current view of agreement data
Automate agreement tracking across products, lifecycle events, and pricing changes to support proactive servicing and compliance
Integrate agreements directly into tools teams already use, via flexible APIs, such as CRMs, servicing platforms, and onboarding systems
Strengthen fraud investigations with full visibility into customer agreements, entitlements, and relationship history
Bank-wide impact
Unlock value across your bank
Power better servicing, personalization and execution by making agreement data accessible, trusted and actionable across the bank
1. Based on findings from Cornerstone Advisors Report on Improving Your Financial Institution’s Data IQ
Connect with us
Talk to of our our industry experts to see how Zafin can help you improve your data reliability