Customer 360 Mart

Usage rights

Approved analytics and model development by Consumer Banking, Group Data & AI and Group Risk for purposes registered on the use-case register (cross-sell, retention, credit risk). Customer-level data under banking secrecy (FSA 2013) and PDPA 2010. Stays in-region in Google Cloud Malaysia; export outside the region, re-identification attempts and joins to raw identifiers are prohibited. Direct identifiers are tokenised at ingestion; the token vault is held by Group Data & AI and is not exposed to consumers. Marketing use must respect each customer's consent flag.

Lineage

Built nightly from core banking (CASA, term deposits, financing), the card management system, the CRM and digital banking logs. Raw feeds land in the bronze layer, are conformed and deduplicated to a customer key in silver, then aggregated to the monthly gold snapshot. Dataplex runs 42 data quality rules on each snapshot (key uniqueness, balance reconciliation to the general ledger within 0.1%, segment completeness) before publication.