Resources
Whitepapers
for banks.
Six expert papers on data, AI and the customer lifecycle for banks and card issuers. In German and English.
Request all whitepapers for free
After submitting, all six are ready to download.
Whitepapers & guides
Expertise for your next decision.
Get all six for free with one form.
Solution comparison
Solution comparison for banks: vertical AI & CDP platform, US cloud or in-house build
For the board, enterprise architecture, CDOs and procurement
✓
Four operational gaps despite a data warehouse
✓
Comparison across five dimensions
✓
24-point RFP checklist
8 pages · DE / EN
Sovereign AI
Sovereign AI without a US black box: five blueprints for secrecy holders, public sector and finance
For banks, law firms, medical practices and municipalities
✓
Sec. 203 StGB, GDPR and DORA at a glance
✓
Five blueprints from local to EU cloud
✓
PII filter and data splitter explained
10 pages · DE / EN
Customer Value Management
Customer Value Management and Next Best Action: from campaign calendar to value steering
For retail banking, card issuers and energy utilities
✓
CRM, CLM, CVM and CLV clearly separated
✓
15 lifecycle programs across five stages
✓
Measurement with control groups
8 pages · DE / EN
Agentic Experience Platform
Agentic Experience Platform for banks: from golden record to an audited customer loop
For the board, IT architecture, AI governance and internal audit
✓
Five platform layers, layer 5 in development
✓
Golden context with four memory types
✓
Language model stays interchangeable
8 pages · DE / EN
Credit card CLM
Customer Lifecycle Management for credit cards and financial services
For card issuers, retail banking and co-brand programs
✓
10 chapters, 15 lifecycle programs
✓
Triggers from MCC, wallet and travel
✓
Plan for the first 90 days
26 pages · EN
PFM & Visa mandate
PFM, transaction data enrichment and the Visa/Mastercard mandate
For card issuing, digital banking, payments and product
✓
Mastercard AN4569 and Visa EMD explained
✓
Fewer inquiries about transactions
✓
From PFM widget to Next Best Action
Practice guide · DE / EN
Solution comparison
Vertical platform, US marketing cloud or in-house build?
Five evaluation dimensions from the whitepaper “Solution comparison for banks” at a glance.
Evaluation dimension
Vertical banking AI & CDP (ACCELERAID)
Horizontal US marketing cloud
In-house build on DWH / lakehouse
Data sovereignty, DORA & hosting
German provider, hosted in Frankfurt
Hosted in an ISO 27001-certified data center in Frankfurt, on-premises on request. SOC 2 Type I certified, built for DORA-regulated institutions.
US jurisdiction
EU data centers available, but the US parent remains subject to the US CLOUD Act. High effort for transfer impact assessments and DORA exit plans.
Full internal responsibility
Full control over the infrastructure, but evidence, patching, penetration tests and documentation rest entirely with the internal team.
Banking data model
Prepared for banking
Pre-built schemas for current accounts, cards, loans, securities, SEPA/MCC enrichment, households and joint accounts, plus 15 lifecycle programs.
Generic (retail, e-commerce)
Built around shopping carts and cookies. Banking logic such as rate locks, protected accounts, households and SEPA requires extensive customization.
Manual modeling
Every entity, transaction feature and identity resolution rule is built and maintained by the data engineering team.
AI governance & EU AI Act
Traceable decisions
Two-stage: fixed rules such as service before sales, then explainable scores. Audit-proof logging, aligned with the EU AI Act.
Proprietary scores
Propensity scores often lack banking suppression rules and offer limited explainability for internal audit and model risk.
No interface for business teams
Models live in notebooks, but approval workflows, champion/challenger routing and logging are missing.
Time-to-value to the first use case
First use case in weeks
First productive use cases such as card activation, salary account switch or churn prevention, based on prepared programs.
Integration project over months
Lengthy integration projects for core banking connectivity, consent synchronization and a custom data model.
Long lead time
High delivery risk: many in-house builds stall at the prototype stage before real-time triggers go live.
Total cost & staffing
Predictable cost
Transparent platform license, low internal staffing for operations. Business teams steer campaigns without IT tickets.
High follow-on cost
High base license plus a multiple of that in external integration budget for customization and release maintenance.
High internal fixed cost
Permanently ties up a dedicated team of data, ML and DevOps specialists, with correspondingly high staff costs.
Free whitepapers
All whitepapers with one form
After submitting, all six whitepapers are ready to download.
Free
GDPR-compliant
No spam
6 whitepapers, German and English