Distributed object-oriented middleware has the potential to become the favored course of action for large financial institutions that are content with core account processing systems, but lack an effective operational customer information system. Its advantages are modularity, quick time-to- market potential and relatively modest cost. It can also incorporate client/server architectural attributes and leave source data resident on existing platforms.

By late 1993, Wells Fargo did not have a customer information system and had concluded that it needed to "see" a customer's entire bank relationship. With The Cushing Group and Digital Equipment Corp. (DEC), the bank created its Customer Relationship System (CRS) in three months. The rollout to service customers was completed in another three weeks. Wells Fargo call center representatives were able to retrieve a "customer view" using the customer's TIN (social security number or employer tax number).

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