Map your data
Core banking, loan, card and payment data mapped to one common model.
Industries · Financial Services · Customer and loan data foundation
One view of every customer, account and loan.
We build a governed customer and loan data foundation in your own cloud or on-premises. Your core systems stay in place. Lending, finance and risk work from one set of numbers.
The problem
Customer and loan data lives in many systems.
Core banking, loan origination, servicing, card and payment systems each hold part of the picture. Every new report starts with another data pull.
No single view of a customer
The same customer looks different in each system.
Reports built by hand
Analysts join extracts before anyone can use the numbers.
Numbers hard to trace
Examiners ask for each figure traced back to its source system.
How we solve it
We build one foundation your teams can trust.
Our data engineers build it with your team in three steps. Your core banking and loan systems keep running.
Your systems
- Core banking
- Loan origination
- Loan servicing
- Cards
- Payments
Customer and loan data foundation
One trusted view of each customer
- Mapped
- Matched
- Governed
What it powers
- Customer 360
- Loss forecasting
- Regulatory reporting
- Collections
- And four more ›
Match customers and accounts
Records for the same customer linked across products and systems, with one ID for each.
Govern it
Customer data encrypted, with role-based access and lineage from every report back to its source.
Use cases
What your data foundation makes possible.
Once your data is in one place, these projects are much quicker to start. Each card shows the data it needs.
Customer 360
One profile of every customer across products and channels.
NeedsCore bankingLoansCards
Loan portfolio performance
Track delinquency, yield and growth across the whole portfolio.
NeedsLoansPayments
Loss forecasting
Forecast credit losses from loan, payment and bureau data.
NeedsLoansPaymentsCredit bureau
Regulatory reporting
Build regulatory reports from one source, traced back to each system.
NeedsCore bankingGeneral ledgerLoans
Collections
Rank accounts by likelihood to pay and the best time to reach them.
NeedsPaymentsContact history
Fraud detection
Spot unusual activity across accounts, cards and payments.
NeedsTransactionsIdentity
Cross-sell and retention
Find customers ready for a new product, and those likely to leave.
NeedsCustomer profileEngagement
Investor and capital reporting
Give investors and capital partners accurate loan-level reporting.
NeedsLoansServicingPayments
Also possible on the same foundation: credit risk models, deposit analytics and complaint tracking. AI workflows such as collections also get stronger on it.
See financial services workflowsFinancial services, Customer 360
One customer profile, two new product lines.
A US credit card servicer moved five warehouses onto one platform on Azure and Databricks.
Read the case study ›2New product lines launched
5Data warehouses brought together
25Data sources connected
Do we have to replace our core banking system?
No. The foundation connects to your core banking, loan and servicing systems. They keep running as they do today.
Where does the foundation run?
In your own cloud or on-premises, on your current data platform or the best fit.
How is customer data protected?
Customer data is encrypted, access is limited by role, and every access is logged. Parkar is SOC 2 Type II and ISO 27001 certified.
Do we need a data foundation before we start on AI?
It depends on the workflow. Document work such as customer onboarding can start on the systems you run today. Customer 360, portfolio reporting and collections ranking draw on the foundation. The Data Readiness Assessment shows which path fits your organization.
Get started
See where your customer and loan data stands.
4 minutes
AI Readiness Diagnostic
Ten questions about your data, systems and teams. You get a score and a clear place to start.
Take the AI Readiness DiagnosticDownload a sample report ›2 to 3 weeks
Data Readiness Assessment
Our data engineers score your data and give you a ranked plan for the first projects.
Book a Data Readiness AssessmentDownload a sample report ›5 days
AI Use Case Prioritization
Your AI ideas scored and ranked, with the right agent, model and size for each.
Book AI Use Case PrioritizationDownload a sample report ›