Customer360:
Unified Customer Onboarding & Compliance Platform
Customer360 is PNDC’s flagship platform designed to manage the complete customer onboarding, KYC, and service lifecycle for banks and regulated financial institutions.
Built for accuracy, compliance, and operational continuity, Customer360 acts as a central system of record for customer data while integrating seamlessly with core banking and enterprise systems.
The Challenge Financial Institutions Face
Banks and regulated institutions must balance:
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Faster onboarding and service delivery
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Increasing KYC / AML / CDD / EDD requirements
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Duplicate and inconsistent customer data
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Fragmented systems across onboarding, services, and compliance
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Continuous regulatory scrutiny
Customer360 addresses these challenges through a workflow-driven, audit-ready platform designed for real operational environments.
Customer360 is a modular onboarding and compliance platform
Customer360 manages customer data from initial onboarding through ongoing lifecycle updates and service requests.
- Work alongside existing core banking systems
- Orchestrate screening and compliance checks
- Centralize customer data and documents
- Support both digital and branch-based workflows
- Operate reliably in on-premise and hybrid environments
Core Capabilities
01. End-to-End Customer
Onboarding
- Digital and walk-in onboarding journeys
- Configurable forms and workflows
- Maker–checker approvals and validations
- Support for individuals and companies
02. Centralized KYC &
Document Management
- Unified customer profile and KYC repository
- Versioned KYC updates and renewals
- Secure document storage with metadata
- Full audit trail and traceability
03. Smart Screening &
Risk Assessment
- Internal and core-banking-based duplicate detection
- Phonetic and fuzzy name matching
- Configurable risk scoring thresholds
- Screening orchestration with third-party AML/PEP/sanctions engines
Unified Onboarding & Service
Request Hub
Customer360 extends beyond onboarding by acting as a central service request orchestration platform.
Institutions can manage customer-initiated services such as:
- Account opening and CIF creation
- Debit and credit card requests
- Mobile and internet banking services
- Fixed deposits, lockers, Demat, CRN, and other requests
All service requests follow controlled workflows, approvals, and system integrations—ensuring consistency across departments.
Continuous Monitoring &
Smart Alerts
Customer360 supports ongoing compliance, not just onboarding.
Institutions can manage customer-initiated services such as:
- Risk-based KYC renewal tracking
- Expired document alerts
- Minor-to-major (age-based) status alerts
- Exception and escalation dashboards
This ensures institutions remain compliant throughout the customer lifecycle.
Integration-First Architecture (System of Record)
Customer360 is designed to serve as the authoritative system of record for onboarding, KYC, and customer service workflows, while core banking systems operate as downstream systems.
This approach ensures strong data consistency, enhanced auditability, and clear operational governance across the organization.
Deployment & Operations
Customer360 supports:
- On-premise deployment
- Hybrid enterprise architectures
PNDC provides:
- Implementation and integration support
- Configuration and customization
- L1 & L2 application support
- Operational handover and documentation
Who Customer360 Is Built For
- Commercial & Development Banks
- Finance Companies & Microfinance Institutions
- Insurance Companies
- Regulated enterprises requiring structured onboarding and compliance
Simplify Onboarding. Strengthen Compliance. Operate with Confidence.
Talk to us to understand how Customer360 can modernize onboarding, service delivery, and compliance while maintaining operational control.