Core Banking Orchestration - Unified Engagement Platform
Powering Digital Cores with AI
Build a scalable, future-ready banking platform with Xebia’s solution suite. In today’s fast-moving financial landscape, traditional core systems struggle to keep up with innovation and rising customer expectations. Xebia’s Unified Engagement Platform, designed to work seamlessly with Thought Machine’s Vault Core, empowers banks to launch products faster, deliver hyper-personalized experiences, and scale with agility. From cloud-native integration to intelligent orchestration, we help modernize digital cores without compromising security, compliance, or performance.
What’s not working
The Business Challenge
Rigid Legacy Core Systems
Traditional banking cores are inflexible and slow to adapt, hindering innovation and making it difficult to respond quickly to customer demands or regulatory changes.
Fragmented Customer Experience
Disjointed platforms and siloed data prevent banks from delivering consistent, personalized experiences across channels.
Slow Product Launch Cycles
Without unified orchestration and modular design, launching new offerings is time-consuming and resource-intensive.
Lack of Real-Time Insights
Banks often lack the tools to analyze customer behavior or transactions in real time, limiting their ability to offer proactive service or targeted products.
High Operational Costs
Manual processes and disconnected systems increase overhead, slow down service, and make it harder to achieve scale.
Key Features
Customer Information File (CIF)
Create a customer golden record that supplements Vault Core's product information and get access to a comprehensive data model that encompasses both operational and analytical attributes.
Real-Time Experience Engine
Leverage the Customer Genome Model to generate data-driven and hyper-personalized real-time recommendations while powering power multiple use cases, for example, Servicing, Sales, Offers, Charges, Fees, and Loyalty Calculation with a single platform.
Unified Transaction Store Using GenAI
Access a real-time streaming solution that analyzes and classifies transactions as they stream out of Vault Core using machine learning and GenAI. Contextualize each transaction and enrich them with merchant name, category, and locational attributes, resulting in a comprehensive database to power innovative solutions such as PFM and recommendation platforms.
Customer 360
Gain a holistic view of each customer—including products, leads, cases, and next best actions—through a unified, role-based interface.
Smart Search
Quickly locate customers using name, account number, contact details, or other identifiers with intelligent search functionality.
Personalized Dashboards
Role-based dashboards with dynamic widgets empower users with actionable insights tailored to their function.
End-to-End Process Digitization
Digitize over 25 core workflows across customer service, account management, and sales using Vault Core APIs and Appian low-code capabilities.
No-Code Configurability
Enable teams to build and launch new business processes independently through a user-friendly, self-service configuration portal.
Seamless Integration
Connect with contact center tools and other enterprise platforms via Appian’s plug-and-play integrations for a unified, omnichannel experience.
The Business Impact
Faster Go-to-Market
With pre-built components and seamless Vault Core integration, banks can launch new products and services significantly faster—cutting time-to-market and boosting competitive edge.
Cost Optimization
Digitization of customer service and operational workflows enables leaner banking operations, reducing overhead while maintaining high service levels.
Personalized Banking at Scale
Leverage real-time engines and customer genome modeling to deliver hyper-personalized experiences that increase engagement and loyalty.
Stronger Foundation for Innovation
Solutions like the Transaction Categorization Engine and Real-Time Experience Engine lay the groundwork for next-gen features like Personal Finance Management and intelligent offer fulfillment.
Unified Banking Operation
Achieve consistency and transparency across departments with digitized workflows, centralized data, and real-time collaboration tools—streamlining operations from the back office to the customer touchpoint.
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