Skip to content
Okko Oulasvirta
Financial Services

Customer & Risk Decision Workspace

Interactive demonstration

One workspace where a banker or risk officer sees the whole customer, the risk indicators and the supporting documents — and makes a decision that is recorded, evidenced and, where required, approved.

The decision it supports

For this customer and this request, what does the full relationship and risk picture support — and does this decision need a second signature?

What changes

Decisions made with the whole picture rather than the open tab, made faster, and backed by an evidence trail that satisfies risk and audit. The application never decides on its own — it assembles the case and routes it to the person accountable for it.

Data domains

  • Customers
  • Accounts and policies
  • Transactions and payments
  • Risk and exposure
  • Compliance and financial crime
Loading the application…

The workflow

  1. 01A case is opened for a customer — a review, a request or a flagged event
  2. 02The customer's identity, relationship and product holdings are assembled into one view
  3. 03Recent transactions, interactions and life events are drawn onto a single timeline
  4. 04Risk indicators, limits and obligations are surfaced with the data behind each one
  5. 05Relevant documents and correspondence are extracted and summarised with citations
  6. 06The situation is summarised and next actions are proposed as options, each with its evidence
  7. 07The banker or risk officer weighs the options and makes the decision — the application never decides for them
  8. 08Where policy requires it, the decision is routed for approval or escalated to the right authority
  9. 09The decision, its rationale and its evidence are recorded as one auditable transaction

Platform capabilities most relevant here

  • OneLake

    One governed copy of enterprise data that analytics, AI and applications can all build on.

  • Curated business entities

    Agree once what an order, an asset or a customer means — then reuse it everywhere.

  • Ontology

    Encode the vocabulary, relationships and rules your business already works with.

  • AI functions

    Apply language models to business data as a normal part of a data pipeline.

  • Fabric Apps

    Build the application where the governed data already lives, instead of copying it out.

  • Application state

    Remember decisions, assignments and approvals — the things a report cannot hold.

  • Microsoft Entra identity

    People see exactly the data they are entitled to see, in the application as well as the report.

  • Workflows and approvals

    Keep accountability visible when a decision needs a second pair of eyes.

Not every application needs every capability. This is the subset that this decision actually depends on.

Talk about building this