How an Agentic Lakehouse Powers Real‑Time Customer Growth and Retention in the Financial Services Industry

Winning in financial services and insurance now depends on how well you understand each customer or policyholder and turn that understanding into timely, relevant, and trusted actions. Customer 360 and hyper‑personalization, powered by an agentic data and AI foundation, are now essential for banks, insurers, wealth and asset managers, and financial technology firms that want to retain customers, grow share of wallet, and unlock new revenue.

Why Customer 360 and Hyper‑Personalization Matter

Customers and policyholders compare you to the best digital experiences they have anywhere. They expect you to recognize them across channels, anticipate their needs, and guide them with personalized advice, products, and coverage instead of generic campaigns and one‑size‑fits‑all offers.

This is driving a clear shift:

• It is cheaper to keep and grow existing customers and policyholders than to acquire new ones, and personalized experiences are a major driver of loyalty.
• Firms that deliver relevant lending, savings, investment, protection, and insurance offers see more products and policies per relationship and stronger fee and underwriting income.
• People trust firms that show they understand life events, goals, and risks and respond with appropriate guidance, products, and coverage.

Without real Customer 360 and hyper‑personalization, teams operate with fragmented data, inconsistent measures, and slow manual analysis that cannot keep up with changing behavior.

What “Agentic” Customer 360 Delivers

Agentic AI moves you beyond static dashboards into a world where intelligent agents continuously analyze, decide, and assist humans across the customer and policy lifecycle. For leaders in financial services and insurance, this leads to three major outcomes.

Always‑on, unified understanding
Customer and policyholder products, accounts, policies, balances, interactions, claims, complaints, journeys, and signals are brought together in a single, trusted profile. Institutions gain a consistent view of household and commercial relationships, value, and risk across lines of business.

Hyper‑personalized engagement at scale
Offers and messages are tailored to each individual or business based on behavior, preferences, life events, risk profile, and protection needs. Instead of large campaign blasts, teams execute many small decisions every day: next best product or policy, message, channel, and time.

Intelligent guidance in every interaction
AI suggests the next best action for advisors, relationship managers, agents, and contact‑center teams. Service and sales become more proactive, consultative, and consistent across digital and human channels in banking, wealth, and insurance.

Core Business Capabilities

• Unified profiles: One trusted view of each customer, policyholder, and household that marketing, product, risk, underwriting, and service teams share.
• Personalized offers: Pricing, bundles, and offers that reflect needs, behaviors, risks, and potential value, driving higher acceptance and more profitable growth.
• Next best action: Real‑time guidance on what to say or do next - retain, cross‑sell, up‑sell, educate, or reassure.
• Churn and value insight: Early warning when valuable relationships are at risk and clarity on which actions work, plus a view of who is most likely to buy what over time.
• Omnichannel intelligence: Understanding how customers and policyholders move from branch and advisor to agent, portal, and mobile app, and where experiences break down.

How Dremio’s Agentic Lakehouse Makes This Real

Dremio’s Agentic Lakehouse gives teams a single, intelligent data and AI foundation for Customer 360 and hyper‑personalization across financial services and insurance. Instead of scattered data marts and fragile pipelines, institutions run analytics and AI directly on a unified, governed lakehouse.

This enables:

• Faster personalization initiatives, from next best action to churn prevention and journey optimization.
• One source of truth for customer, policyholder, and performance measures across marketing, product, risk, underwriting, claims, finance, and operations.
• Lower cost and complexity by removing redundant data copies and overlapping customer and policy systems.
• Safer, more explainable AI that is easier to defend to regulators on conduct, suitability, fair pricing, and model risk.

Outcomes for Financial Services and Insurance

• Deepen relationships with hyper‑personalized lending, savings, investment, protection, and insurance offers linked to life events like new jobs, home purchases, business formation, and retirement.
• Detect early signs of attrition, trigger targeted outreach and save‑offers, and scale what works.
• Nudge customers and policyholders toward lower‑cost digital channels while preserving high‑touch service for complex needs.
• Connect marketing investment, product and policy uptake, and customer lifetime value in one view and shift budget toward journeys, offers, and segments with the best returns.

Customer 360 and hyper‑personalization built on an agentic data and AI foundation are now central to growth, retention, and efficiency, on par with core banking, trading, and policy administration. With Dremio’s Agentic Lakehouse as the unified, intelligent, and governed data backbone, financial services and insurance firms can focus on designing better experiences, growing profitable relationships, and shaping the future of their business.