Price the complete relationship with transparency and control
Cicrim helps banks connect relationship economics, customer needs, risk, policy, competitive context, banker judgment, approvals, and measurable outcomes in one explainable pricing workflow.
Move beyond a product rate and understand relationship value
Relationship pricing requires a consistent view of deposits, credit, treasury and payment services, fees, balances, utilization, funding value, expected loss, capital, operating cost, service commitments, and customer behavior. When those inputs live in disconnected tools, bankers cannot see the tradeoffs and management cannot reproduce the decision.
Cicrim helps institutions define transparent calculations, permitted assumptions, ownership, data quality, policy boundaries, escalation, and banker-facing explanations. Recommendations support judgment; they do not hide the basis for a consequential decision.
Put economics, policy, and customer context in one view
Relationship identity and data
Resolve customers, households, businesses, guarantors, owners, and related accounts; establish lineage, freshness, quality, reconciliation, and permitted use for every material input.
Transparent economics
Define funds transfer pricing, expected loss, capital, fees, utilization, option value, service cost, term, assumptions, scenarios, and calculation version so results can be reproduced.
Policy and recommendation
Apply product and relationship constraints, risk appetite, delegation, floor and ceiling rules, exception criteria, fair-treatment controls, and clear explanations of alternatives and tradeoffs.
Approval and performance
Capture banker rationale, approvals, concessions, exceptions, booked terms, realized balances, revenue, risk, attrition, complaints, overrides, and outcome monitoring.
Separate recommendation quality from sales pressure
Cicrim helps define decision rights and independent oversight across bankers, product, finance, treasury, credit, compliance, model risk, data, technology, and audit. The workflow retains the input values, calculation version, alternatives presented, selected terms, rationale, approval, and subsequent performance.
Monitoring evaluates both commercial and customer outcomes by product, channel, banker, segment, geography, and protected-class proxy where legally and methodologically appropriate.
Connect relationship intelligence to controlled action
AI-Driven Engagement
Deliver relevant, explainable banker and digital actions using consented customer context.
Commercial Lending
Connect relationship context, underwriting, structure, pricing, documents, booking, and monitoring.
Hyper-Personalized Marketing
Use permissioned signals, decision rules, experimentation, suppression, and measurement responsibly.
AI-Powered Decisioning
Operationalize explainable models, policy constraints, human review, monitoring, and evidence.
Fair-Lending Analytics
Evaluate pricing, exceptions, outcomes, segments, explanations, and corrective action reproducibly.
Start with one relationship segment and a decision bankers make frequently
Cicrim can baseline data, economics, policies, workflows, approvals, exceptions, fairness controls, and realized outcomes, then design a controlled pilot with measurable value.