Value Stream:
‍Discover

Centric gives financial institutions the platform to predict risk, personalize engagement, and qualify high-fit customers, without building complex infrastructure.

Overview

Centric’s AI-powered workflows enable financial teams to identify high-fit leads, detect fraudulent behavior instantly, and personalize offers for real prospects, simplifying digital onboarding and boosting conversion without building complex AI infrastructure.

Key Statistics

70% of leads abandon onboarding before application start (BAI, 2024).

10–15% of online form submissions are fraudulent or spam (FICO, McKinsey Digital).

AI lead scoring improves acquisition conversion rates by 25–40% (McKinsey, BAI, FICO).

Current State / Pain Points​
Triggers for Urgency​
Future State with Centric AI

Rising Cost per Account

Customer acquisition is expensive, digital campaigns generate high traffic but few real conversions. Manual reviews slow down onboarding.

Fake Leads + Spam Forms

Fraudsters and bots fill online forms, inflating lead volume and exposing banks to compliance and reputational risk.

Lack of Personalization

Generic forms and one-size-fits-all offers cause abandonment and low engagement.

Manual Lead Qualification

Relationship teams spend hours filtering unqualified or duplicate leads before approvals.

Disjointed Tools

Marketing, CRM, and risk systems operate in silos, creating gaps and delays in decision-making.

Marketing Waste

Banks spend heavily on ads that don’t bring in qualified customers.

No Early Fraud Controls

Fraudulent profiles enter onboarding before detection.

Static Offers

Every applicant sees the same experience regardless of need, risk, or intent.

Lead Quality is Guesswork

Banks struggle to identify genuine, credit-worthy applicants early.

Fragmented Workflows

Teams lack a unified view of lead quality, fraud risk, and performance.

Smarter Targeting

Limited budgets can't support low-converting digital campaigns.​

Cleaner Funnel

Centric AI flags fake or synthetic identities at the first touch, reducing fraud and wasted reviews.

Personalized Journeys

Centric AI tailors product offers and onboarding paths in real time based on behavior and risk profile.

Faster Conversion

Centric AI scores leads automatically, routing the best prospects into simplified, automated approval flows.

Unified Intelligence

Centric AI connects data across systems securely, enabling real-time insight and end-to-end visibility.

Top AI Workflows (Centric-Powered)​

Lead Scoring​

Predicts conversion likelihood and risk based on behavioral and source data.​

Smart Offer Match

Dynamically assigns best-fit product (e.g., checking vs. loan vs. insurance) based on inferred intent.​

Engagement Risk Detector​

Identifies drop-off patterns to trigger re-engagement or simplified paths.​

Bot + Synthetic Detection

Flags fraud signals using device ID, form fill velocity, and data inconsistencies.​

Channel Source Optimizer​

Identifies which acquisition sources generate the best customers.​

Auto Qualification & Routing​

Filters and routes leads based on eligibility or intent signals.​

Pre-KYC Fraud Flagging​

Flags high-risk leads before triggering costly identity/KYC checks.​

High-Churn Risk Identifier (Early)​

Predicts risk of disengagement in the first 7–14 days to trigger save actions.​

Application Abandonment Predictor​

Predicts which users will drop off mid-application and when to intervene.​

Underserved Applicant Identifier​

Uses alternative signals to qualify thin-file or unbanked customers.​