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Customer Decision Platform

The market sold a warehouse. It promised a customer. Neither is deciding anything.

Marketing pulls from one segment. Service reads from another. The model trained on a third. The customer experiences all of them at once, and recognises every seam.

<200ms
real-time decisioning at the channel.
One
operational customer record, written and read by every system the same way.
No migration
sits on the data infrastructure you already own. Cloud-agnostic by design.
The category solved storage. The decisioning is still on you.

The market did not sell you a data problem. It sold you an unfinished decision, and called the missing half orchestration.

Most enterprises have CDPs. Some even use them. Inside, three teams operate on three slightly different views of the same customer. Outside, the customer experiences a brand that is forgetful, occasionally indifferent and frequently rude.

The Warehousing Tax

The warehousing CDPs solved storage. They left out deciding.

The category ingests, deduplicates, persists and exposes. Then it expects the customer team to figure out what should happen next. The decision happens in a meeting, a campaign tool, or an SLA breach. Nowhere on the platform that was supposed to own it.

Identity Theatre

Three vendors all claimed deterministic identity. The audit shows the actual hit-rate.

Most enterprises run multiple identity-resolution stacks at once. Each was the ‘unified profile’ at the moment of purchase. The override log is silent on which one was right last Tuesday.

Segment Decay

The audience you launched on Monday is half-wrong by Thursday.

Activation Without Accountability

Every CDP exports to every channel. Few can defend which export changed the outcome.

A CDP that doesn’t respect business hustle, is a mere database with a logo.

Decision Architecture · Storage was the easy part.

We do not move your data. We decide on it, the moment your customer expects you to.

UNFYD.CDP is not a warehouse with a marketing badge. It sits above the data infrastructure you already own. Lakehouse, warehouse, OLTP, operational store. It turns whichever stack you have into a decisioning surface your customer service, marketing and operations teams act on simultaneously, against the same record, with the same audit trail attached.

Operating Record, not Warehouse Export

A single customer record every system reads from and writes to in the same moment. Your CRM, contact centre, marketing automation and service desk operate against the same state of the customer, simultaneously. Not a nightly snapshot. Not a reverse-ETL refresh.

Identity with a Confidence Score

Deterministic where the data permits. Probabilistic where it does not. Every match carries a confidence score the auditor can defend, and every manual override is logged against the human who made it. The identity graph is one. Never three with a reconciliation script.

Decision-on-Platform, not Decision-on-Spreadsheet

Next-best-action computed on the same surface that holds the profile. No export to a campaign tool. No batch refresh window. No “we will look into it.” The decision and the data live in the same place, by design.

Continuous Segmentation

Audiences update themselves between trigger and despatch. The customer who became eligible while the campaign was being built is now in the campaign. The customer who churned out yesterday is not.

Consented Activation

Every push, email, call, agent prompt or notification carries the consent state, channel preference and regulatory window at the moment of activation. Marketing does not need to trust that legal is reading the same record. The record reads itself.

No-Migration Composability

Sits on the warehouse, lakehouse or operational database you already paid for. Reads from and writes to the systems you have already deployed. Cloud-agnostic; deployment-flexible. You do not migrate to UNFYD; UNFYD arrives on top of you.

At A Glance

Decisions don’t translate. They localise.

UNFYD® sits above the bank’s existing data estate. Core banking, cards platform, lending stack, branch CRM, digital channels. It turns each into a single decisioning surface. The relationship manager, the contact-centre agent, the digital channel and the collections team operate on the same customer state, the same offer eligibility, the same consent posture and the same regulatory window. Cross-sell, upsell, dormant-account reactivation, fraud query handling and missed-EMI recovery all run from one record. No two systems decide differently about the same human.

The auditor doesn’t want a unified view. The auditor wants the same answer from every system, at the same time.
UNFYD.BANCA
  • Policy state and underwriting eligibility reconciled in real time
  • Consent posture tracked across regulatory regimes
  • Claim journey decisioning shared between contact centre, surveyor and adjudicator
  • Voice-of-customer captured during claim calls indexed into the profile graph
  • Advisor screen, client portal and operations team on one record
  • Risk-profile decay detected between formal reviews
  • KYC and FATCA state shared across product silos
  • RM-meeting recap drafted from advisor notes and indexed against the household
  • Network-event-driven profile updates feed care, retention and billing
  • Subscription state synchronised across self-care, app and IVR
  • Tariff eligibility decided once, used everywhere
  • Outage notice and credit drafted from a single signal across all channels
  • Store, app and web operate on one cart, one identity, one consent
  • Behavioural and transactional signals merged at the edge
  • Vendor-funded co-marketing scoped against a single audience
  • Same-day in-store recommendation generated from this morning’s online browse
  • Patient state shared across portal, helpline and clinical channels (consented)
  • Adherence and follow-up windows tracked as decisioning events
  • HCP and consumer profiles isolated by regulatory class
  • Symptom narrative captured at the helpline indexed against history
Operating on the same record is rarer than it should be. That’s even possible?
Precision at enterprise scale

Decisions reach the right surface at the right millisecond, or they don’t reach anywhere worth measuring.

Every event from your stack, transactional, behavioural and conversational, feeds one decisioning surface and exits through the systems your customer is already inside. Knowledge flows in. Decisions flow out. Latency loses its budget line.

Transactional events
Behavioural signals
Conversational data
Identity graph (confidence-scored)
Consent & preference store
Outcome telemetry
U

Regulator cycles, in days

Examination requests answered against one record and a single override log. What was a three-week document hunt becomes a Tuesday afternoon, with citations attached.

Vendor stack compression

Reverse-ETL contracts, segment-refresh schedulers, batch decisioning windows. Each retires when decisioning lives on-platform. The CFO sees the licence line shrink, quarter on quarter.

Channel-level attribution

Every conversion attributable back to the specific decision that produced it, on the specific channel that delivered it. CMO and CFO finally read the same number.

Cross-team consistency, measured

Service, marketing, operations and collections decide identically about the same human, week after week. Inconsistency events drop to a measurable floor, visible to the CCO.

Built for regulated industries

Your data stays where your regulator says it stays.

Proof is the default. Your auditor will find this section reassuringly boring.

Cloud / SaaS

Multi-tenant or dedicated hosting, auto-scaling and a 99.9% SLA. The fast path when time-to-value matters most.

Fastest go-live · lowest ops overhead

On-premise

Full deployment inside your own data centre. Complete data sovereignty, no third-party cloud dependency. The deployment regulators sign off without a redline.

RBI / GDPR / PDPA aligned

Hybrid

Processing and storage split across an on-premise core and cloud edge, for mixed compliance needs across business units.

Per-BU compliance · one platform
Role-based access control

Granular RBAC across users, teams, channels and campaign types, with full audit logging.

SOC 2 Type II / ISO 27001 ready

Architecture aligned to the frameworks regulated enterprises are measured against.

Data residency and sovereignty

Data held within specified geographic boundaries for GDPR, PDPA and RBI requirements.

SSO / LDAP / SAML 2.0

Enterprise identity across every UNFYD module via your existing directory.

Encryption at rest and in transit

AES-256 at rest, TLS 1.3 in transit, end-to-end encrypted campaign payloads.

Disaster recovery and HA

Active-passive DR with automated failover and an RPO under four hours across all modes.