When it pulls files from its loan portfolio in the future, EverBank wants to see broader customer information, with access to enough data to eventually marry product pricing to account profitability. The $7 billion Internet bank hopes to accomplish this by becoming an early adopter of a new global customer information management (CIM) product, part of Metavante’s global integrated banking suite core processing system.

Robin Smith, svp of Metavante’s enterprise solutions group in Milwaukee, says the CIM was built out of the Temenos TCB (core banking) platform. The two tech firms entered into an alliance in 2007—a partnership giving Metavante access to Temenos’ considerable core banking technology and Temenos the ability to tap Metavante’s large U.S. customer base. CIM doesn’t yet have a licensee, though EverBank is the first publicly named service bureau client; and Smith says two other service bureau clients plan to deploy the product in the short term.

“Global CIM brings all customer information together, be it in or out of the bank, for a single view,” Smith says. For EverBank, having that level of access means it can pull data from its 400,000-customer portfolio of mortgages that reside on a separate Fidelity Information Services application, and combine that information with other relationship data on the same customers that may reside on other platforms.

“When a customer gets called up, we’ll have a better view of all of the data surrounding that customer, and that will allow us to look into developing functions like relationship-based pricing,” says Vincent Amato, evp and director of operations at EverBank. The signing comes as the bank expands its relationship with Metavante to include deployment of T24, a hosted application EverBank will use to support its World Markets global trading, foreign exchange and commodities operations.

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