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The Cognitive Banking Stack

From patchwork CRM & CCaaS silos,to the singular spine that operates banking.

Decades of well-intended investment have quietly produced a fragmented operating model. UNFYD.MERIDIAN is the Banking Operating System that unifies customer engagement, contact centre, intelligent automation, AI / GenAI, analytics and governance on one domain-aware spine.

Coexist with your core. Extend what works. Accelerate what is next.

Discover Your Meridian Meet Your Next Digital Workforce
Built for the scale, scrutiny and complexity of modern financial institutions.
RBI aligned IRDAI ready SEBI mapped DPDP / GDPR ISO 27001 / SOC 2 Audit-grade
AI alone cannot compensate for a disconnected operating model.

The most valuable asset in financial services isn’t data, technology or even capital. It’s confidence : the confidence of customers, regulators, shareholders and employees.

Vendor Chaos →

Vendor Chaos

A typical banking enterprise runs multiple disjointed systems to serve one customer journey. CRM, CCaaS, chatbot, email tool, dialler, KB, portal, survey, analytics, each from a different vendor. Multiple moody vendors. No single throat to choke for outcomes.

What that quietly costs you :

5 to 9vendors managed per journey
40%+of IT spend on integration churn
18+ monthsto ship one new journey
4 to 6consoles per RM, per interaction
22%CSAT drop on repeated context
Every toolits own audit and DPDP footprint
Every LOBreinventing the same journey
Every quarterlicence sprawl compounds

The bigger problem is not the cost. It is the operating model the cost has quietly built.

Context Leak →

Context Leak

An onboarding that starts in mobile, breaks in branch, and is forced to begin again in the contact centre is no longer a digital experience. It is a defection signal. 89% of banking customers initiate journeys digital and finish them assisted. The hand-off is where the relationship leaks.

Customer context lives in 5 places at once and converges nowhere. The RM sees one view, the contact-centre agent sees another, the bot has a third, the branch staff is on a fourth, and the regulator asks for a fifth. 3 times higher churn on journeys that break across silos. Every break is a small, expensive forgetting.

Regulatory Drag →

Regulatory Drag

RBI, IRDAI, SEBI, DPDP. Each adds its own audit trail expectation, persona model, escalation matrix and consent posture. With 5 to 9 tools per journey, you carry 5 to 9 governance footprints for the same customer. The compliance review is no longer a quarter. It is a permanent cost centre.

Every regulator question becomes a reconstruction project. Every DPDP audit becomes 6 weeks of evidence rebuild. Every model exception requires three teams to sign off. This is the line that climbs while NPS stalls.

RBIcirculars interpreted at the underwriter’s screen
IRDAIconduct adherence on every interaction
DPDPconsent honoured at every contact attempt

Compliance built into the platform, not bolted on at the end of the quarter.

AI Without Spine →

AI Without Spine

Every bank now runs AI pilots. Email AI. Voicebots. Document AI. Copilots. Most stay trapped in the LOB that funded them. 60% of banking service workflows are automatable with Agentic AI, and almost none of it reaches production without a domain-aware spine to govern it.

A pilot succeeds in retail banking, never reaches collections. A copilot trained in cards has no idea how to handle a wealth conversation. A model that worked in onboarding is rebuilt for KYC. The data is yours. The intelligence keeps re-renting itself. AI is widening the gap between the patched bank and the platformed one, every quarter.

The banking industry has become remarkably good at buying capabilities and surprisingly poor at composing it. This is where UNFYD.MERIDIAN starts paying back.

What this unlocks for you, on a banking-grade timeline.

Customer Spine

One 360° that every team actually acts on, across retail, bancassurance, wealth, cards and collections.

The RM, contact-centre agent, digital channel, collections team and branch operate on the same customer state, eligibility, consent posture and regulatory window. No two systems decide differently about the same human.

Speed-To-Market

30-60% faster journey launches.

LCNC orchestration, reusable banking templates, onboarding, cross-sell and recovery ship on the planned calendar.

Lower TCO

Retire duplicate vendor stacks.

CRM, CCaaS, RPA, chatbot and analytics, collapsed into one banking-native platform. Procurement and renewal cycles compress.

AI-Era Ready

GenAI and agentic AI, composed in. Not bolted on.

Persona, policy, PII and audit guards on every interaction.

Analyst-Grade

Analyst-ready. Regulator-aligned.

RBI, IRDAI, SEBI and DPDP. One audit fabric, one persona model, one consent posture.

The challenge is no longer digitisation. It is institutional alignment.

Market leadership is ultimately an exercise in stitching together intelligence, coherence, governance and automation.

Imagine an institution where every team works from a customer context, every journey is measurable, every interaction is intelligent and every decision moves the business forward. That’s the future we’re helping financial institutions build today.

CORPORATE 360

The corporate client your bank serves through five relationship managers, finally on one record.

Treasury, cash management, trade finance, working capital and lending decisions act on the same account state. Cross-LOB wallet-share growth becomes a programme, not a quarterly hope.

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ACCOUNT EXPANSION

Corporate wallet-share grown as a programme, not a quarterly campaign.

Cash-management mandate renewal, supply-chain-finance attach, trade-finance cross-sell and treasury upgrade scored against shared cohorts. The RM walks in knowing what to ask, not what to pitch.

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RECOVERY INTELLIGENCE

Your dialler called him seven times. He paid the lender who sent one message.

ML risk-scores every account, picks the channel that actually converts, drafts the personalised reminder with GenAI, captures the promise-to-pay and reconciles back to core banking. NPL provisioning eases on the next regulator filing.

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TRADE DOCUMENT INTELLIGENCE

Trade documents, LCs and corporate KYC, read and routed in seconds.

Bills of lading, LCs, GST and TDS forms, board resolutions and corporate KYC packs, classified, validated and routed in seconds. The trade-finance back-office stops being the bottleneck on the next disbursal.

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BRANCH & UNDERWRITER COPILOT

RBI circular interpreted at the underwriter’s screen, on demand.

Loan-disbursal SOPs surfaced at the desk that needs them. Voice-to-text from branch calls indexed back into the institutional knowledge fabric. The new joiner sounds like the veteran on day one.

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VOICE OF THE ACCOUNT

Every customer is already telling you what they want. Is the bank listening?

Branch calls, IVR conversations, app feedback, social signals, surveyor transcripts and policy-app interactions, decoded for intent, sentiment and conduct-risk in real time, on one record across bancassurance, wealth and retail desks.

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WORKFORCE INTELLIGENCE

Every new policy reaches the floor before the customer asks about it.

RBI, IRDAI and AMFI mappings ship in. Every script change, product launch and policy update flows from source document into role-specific training, assessment and certification before the floor needs the answer.

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CONSENT INFRASTRUCTURE

Consent the regulator can audit. Trust the customer can feel.

DPDP, RBI consent norms and cross-sell permissions stitched into one auditable spine. Granular capture across products, instant withdrawal, regulator-grade trail. The bank stops sending offers the customer never said yes to.

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MERIDIAN, in your team’s pocket.

The platform travels. Decisions don’t wait for the desktop, briefings don’t wait for Monday morning, and customer context doesn’t wait for the next handover. The whole banking operating spine, on the device every team already opens 200 times a day.

That’s More Convenient. Have You Met Your Wizards, Yet?

Your Merits Await.

Growth

Accelerated digital transformation with measurable P&L lift.

From 18-month build cycles to 3-6 month go-live via reusable banking templates. Cross-sell, service-resolution and recovery outcomes lift on the same record the strategy was set on.

3× faster GTM+28% CSAT/NPS
Cost & Cash

Fewer vendors. Lower TCO. Predictable run-rate and audit cost.

One banking-native platform replaces 5-6 fragmented vendors. Licence sprawl collapses, integration debt retires, the audit cost line flattens.

-40% cost-to-serveSingular TCO
Architecture

One composable stack. Less integration debt. Cloud-native, federation-friendly.

SaaS, private cloud, on-prem or hybrid. LCNC and BRE to adapt without heavy engineering. Federation with core banking, IAM and data-lake investments preserved.

ComposableLCNC/BRE nativeDeploy-anywhere
Operations

One agent cockpit. End-to-end journey orchestration. Real-time SLA visibility.

Agents stop context-switching between 4-6 consoles. PIVOT delivers the single workspace, BUDDY surfaces next-best actions, SCOR scores every interaction.

1 console / RM100% QA coverage
AI Strategy

Agentic AI deployed with data, guardrails and governance.

CIA + GOVERN ship the persona, prompt, PII and audit layer in production. GenAI moves from pilot to enterprise-scale without re-renting the data plane every quarter.

Guarded GenAIAgentic, governed
Risk

Unified audit, DPDP, PII, access, DLP and archiving fabric.

One regulatory map across RBI, IRDAI, SEBI and DPDP. Consent honoured at every contact attempt. PII masked at ingest. The reconstruction project on Friday before the audit, retires.

One audit fabricConsent-led
Intelligence Tailored To Your Use-Cases