Make permissions, preferences, and suppression executable across every channel
Cicrim helps banks translate customer choices, communication purpose, product eligibility, contact policy, and regulatory obligations into consistent campaign decisions with traceable evidence and clear ownership.
Separate permission, preference, eligibility, and contact policy
A customer can be legally contactable yet prefer a different channel, be eligible for a product yet inappropriate for the campaign, or consent to one purpose while declining another. Treating every rule as a single opt-in flag creates inconsistent execution and weak evidence.
Cicrim helps banks define a purpose-aware decision model that resolves identity, captures the source and scope of each choice, applies product and audience rules, prioritizes suppressions, controls frequency, and produces a traceable answer for every selected or excluded customer.
Make suppression deterministic and reviewable
Identity and authoritative sources
Resolve customers, households, businesses, users, accounts, contact points, and channel identities while recording the authoritative system, timestamp, capture method, purpose, and scope of each choice.
Rule precedence
Define how legal restrictions, customer consent, channel preferences, product eligibility, risk exclusions, complaints, hardship, deceased status, employee rules, contact limits, and campaign priorities interact.
Execution across channels
Apply the same decision contract to audience selection, email, SMS, push, outbound calling, branch and banker tasks, contact-center prompts, paid-media activation, and vendor delivery.
Evidence and change control
Retain input values, rule and content versions, decision time, selected purpose, suppression reason, downstream delivery result, overrides, approvals, tests, reconciliation, and issue history.
Give legal, compliance, privacy, marketing, product, and technology shared ownership
Cicrim establishes a governed taxonomy of communication purposes, consent and preference types, authoritative sources, rule owners, precedence, data-quality expectations, vendor obligations, test cases, approvals, exception handling, and change evidence. Reconciliation identifies when channel platforms or vendors do not receive or apply the current decision.
Useful measures include suppressed selections, prevented contacts, stale preference records, source conflicts, reconciliation failures, vendor exceptions, rule changes, manual overrides, contact pressure, opt-outs, complaints, delivery by permitted channel, and decision evidence retrieved within a defined service level.
Connect consent controls to decisions, growth, onboarding, and engagement
Hyper-Personalized Marketing
Coordinate identity, consent, decisioning, content, channels, controls, and measurement.
Next-Best Action
Rank service, advice, retention, and product actions with explicit eligibility and explainability.
Deposit Growth Personalization
Deepen deposits with governed relationship signals, transparent economics, and fair-treatment controls.
Digital Onboarding Recovery
Recover abandoned applications with timely assistance, continuity, consent, and controlled outreach.
AI-Driven Engagement
Design governed AI experiences that strengthen adoption, service, and relationship value.
Start with one communication purpose and trace it through every channel
Cicrim can map identity, choices, sources, rules, precedence, platforms, vendors, decisions, reconciliation, evidence, and ownership, then close the highest-risk execution gaps.