Northstar · Customer 360 Intelligence · Retail & Commerce

The eCommerce Intelligence Platform — Protect Margin. Reduce Fraud. Optimise Promotions.

Your customers exist across 5–8 disconnected systems. Northstar connects CRM, ERP, commerce, loyalty and digital behaviour into a single governed Customer 360 view — on your Snowflake data cloud. First live dashboard in 6–8 weeks.

Request a Live Demo → Download Overview
Powered by Snowflake RAW → SILVER → GOLD Streamlit Snowpark ML
Live Intelligence Models — Snowflake Gold Layer
Customer 360 — unified records
▲ All systems
4.2M
Core Retail Banking · Cards · CRM · Mobile · Open Banking — joined
Churn Risk — at-risk customers
12.4% flagged
847
30-min refresh · 30–90 day early warning · Action recommended
CLV Score — high-value segment
▲ 23% growth
88.3
Revenue · Product breadth · Tenure · Transaction frequency
Cross-sell — next-best product
4.2× ROI
1,284
Product affinity engine · Segment-level recommendations
6–8
Weeks to first live customer intelligence
6
Intelligence models in the Snowflake Gold layer
7
Live Streamlit dashboards — native in Snowflake
£0
Additional BI licence cost — all native in Snowflake
The Customer 360 Challenge

Your Customers Are Across 5 Systems. Nobody Sees the Full Picture.

A customer in Stockholm, Oslo, Copenhagen or Helsinki holding a mortgage, making 200 card transactions a month, using mobile banking daily, and holding an investment portfolio appears as four or five separate records in separate systems — with no connection between them.

This fragmentation has a direct commercial cost: missed cross-sell, reactive churn management, and declining campaign ROI against data-native challengers and neoretailers who already have what incumbents are still trying to build.

See the Solution →
Current state — retail data across disconnected systems
Order Management Systems
Siloed
Cards & Payments
Siloed
CRM
Siloed
Mobile Retailering
Siloed
Lending
Siloed
Open Banking
Siloed
⚠ No unified customer view · No connected intelligence
▼ NorthStar Intelligence ▼
❄ Snowflake Customer 360
One governed row per customer · All systems connected · 30-min refresh
01
Customer Data Fragmentation

Data held across 5+ disconnected systems. Every unified view takes weeks of manual effort — not the hours the business demands.

02
Reactive Churn Management

Churn identified after the customer has left — via month-end reports. Retention arrives too late in a market where switching is frictionless.

03
Disconnected Digital Data

Mobile and online activity not linked to product holdings. No personalisation. Campaign ROI declining against data-native challengers and neoretailers.

04
No CLV Model

Retention budgets allocated uniformly — over-investing in low-value relationships with no signal to act on.

05
Slow Customer Analytics

Weeks of manual extraction per customer segment. Analytics bottlenecked. Business waits on data while markets keep moving.

The Platform

One Platform. Full Customer View. Live in 6–8 Weeks.

Northstar is a pre-validated Snowflake accelerator built on a proven RAW → SILVER → GOLD medallion architecture. It connects SAP, Salesforce, OMS, loyalty and digital analytics into a single governed Customer 360 data model — giving every team a live, consistent view of the customer.

Customer 360 Profile

Customer 360 Profile

Single governed row per customer joining all five source systems. One source of truth for every customer-facing team across your Swedish, Norwegian, Danish or Finnish operation.

CLV Scoring

CLV Scoring

Weighted composite of revenue, product breadth, transaction frequency, and tenure. Know which relationships to protect before they are at risk of leaving.

Churn Risk Model

Churn Risk Model

Multi-signal scoring refreshed every 30 minutes. Identifies at-risk customers 30–90 days before they leave — early enough to intervene with the right offer.

Product Affinity Engine

Product Affinity Engine

Gap analysis between current holdings and segment-level models. Powers next-best-product recommendations — every campaign starts with the right offer for that customer.

Digital Engagement Scoring

Digital Engagement Scoring

Scored by age cohort, preferred channel, and mobile vs online usage. Enables precise personalisation across an increasingly digital customer base.

Transaction Analytics

Transaction Analytics

Spending patterns, merchant category breakdowns, and behavioural signals from card and payment data. The commercial DNA of every customer relationship.

Seven Live Dashboards · Native in Snowflake · No BI Licence · No Data Egress
Executive KPI
Executive KPI
Country Performance
Country Performance
Segment Analysis
Segment Analysis
Churn Risk
Churn Risk
Digital Adoption
Digital Adoption
Cross-Sell
Cross-Sell
CLV Distribution
CLV Distribution
Technical Architecture

Production-Grade. Fully Automated. Your Team Owns It From Day One.

Built entirely on Snowflake's native capabilities — no third-party orchestration, no external ML infrastructure, no additional licensing. The entire pipeline runs inside your Snowflake tenancy.

S
Source Systems → AWS S3 Landing Zone

Five JSON datasets from CRM, SAP ERP and commerce platforms, cards, CRM, mobile banking, and open banking. VARIANT data type ingests any JSON without schema pre-definition.

Order Management SystemsCard NetworkCRMMobile RetaileringOpen Banking APIsAWS S3
R
RAW Layer — Event-Driven Ingestion

Five Snowpipes with AUTO_INGEST=TRUE trigger on SQS events. Five CDC Streams capture every change. Raw data preserved in VARIANT for full audit trail.

SnowpipeAUTO_INGESTVARIANT JSONCDC Streams
S
SILVER Layer — Typed & Cleaned

Stored Procedures parse VARIANT JSON into clean typed tables. Hourly Tasks fire only when Streams detect new data — no compute wasted on empty warehouses.

Stored ProceduresHourly TasksMERGE LogicStream-Aware
G
GOLD Layer — Six Intelligence Models

Six analytics tables built by Stored Procedures on a 30-minute master task: Customer 360, CLV, Churn Risk, Product Affinity, Digital Engagement, Transaction Analytics.

GOLD_CUSTOMER_360GOLD_CLVGOLD_CHURN_RISKDynamic TablesSnowpark ML
❄
Streamlit in Snowflake — Seven Live Dashboards

Seven dashboards run natively inside your Snowflake — no external BI tool, no data movement, no hosting cost. 5-minute cache. Altair charts. Secure sharing.

Streamlit in Snowflake7 Semantic ViewsAltair ChartsSecure Data Sharing
Ideal Customer Profile

Built for enterprise Leaders Done Waiting on Data.

Chief Data Officer

"One governed source of truth. Your team owns it from day one."

Full data lineage, CDC automation, and audit trail built natively in Snowflake to your governance standards. We hand over the architecture, the code, and the keys. No black box. No external dependency.

Chief Marketing Officer

"Every campaign starts with a complete customer picture."

Next-best-product recommendations, churn risk scoring, and digital engagement tiers refreshed every 30 minutes. Every outreach informed by a live unified view of the customer's full financial relationship.

Head of Data Platform

"Production-grade in 6–8 weeks. No external tooling."

Pre-built RAW → SILVER → GOLD medallion architecture. Five source systems. Six intelligence models. Seven dashboards. On your Snowflake tenancy in 6–8 weeks. No additional BI licence.

You're a Strong Fit If —
✓
Running Snowflake or actively evaluating it for data platform investment
✓
Operating in retail banking, insurance, payments, or fintech
✓
Facing competitive pressure from neoretailers, fintechs, or data-native challengers
✓
Hiring for CDO, Head of Data Platform, or Head of AI/Analytics
✓
Customer NPS declining or personalisation initiative that didn't deliver results
✓
New CDO or CMO mandate to demonstrate data-driven outcomes within 12 months
How We Work

Three Engagement Stages. Start Where It Makes Sense.

Land with a proven POC on your data. Expand to full production intelligence. Scale to the full platform as your Snowflake capability matures.

01
LAND

NorthStar POC on Your Data

NorthStar deployed on a representative sample of your actual customer data — within your Snowflake tenancy. Working Customer 360, live dashboards, and a clear production roadmap. Full code ownership from day one.

02
EXPAND

Production Intelligence Platform

Full source system integration, complete customer data, production-grade automation and governance. Six intelligence models on your full customer base. All teams working from one trusted Snowflake source.

03
SCALE

Full Platform Expansion

Expansion into Regulatory Data Hub (Basel III, IFRS 9, CSRD) and Financial Crime Analytics. Ongoing AMS, model evolution, and new data product development as your Snowflake strategy matures.

Client Perspectives

What enterprise Leaders Say.

"

The NorthStar POC gave our leadership a live customer intelligence view in less than two months. The quality of the data model moved the conversation from 'should we invest' to 'when can we go to production'.

Head of Data Platform
Retail Retailer
"

We had been trying to build a Customer 360 for 18 months internally. NorthStar deployed a working version on our Snowflake in six weeks. The churn risk model identified a cohort we retained in the same quarter.

Chief Marketing Officer
Insurance Group
"

What differentiated this platform was that the team understood our business context, not just the technology. The architecture they handed over was clean, documented, and our team could own it from day one.

Chief Data Officer
Payments Institution
Platform Roadmap

NorthStar Is the Entry Point. The Platform Grows With You.

Phase 1 · Active Now

Customer Intelligence

Six intelligence models and seven live dashboards deployed in 6–8 weeks. Customer 360, CLV, Churn Risk, Product Affinity, Digital Engagement, and Transaction Analytics — all on Snowflake.

Phase 2 · Regulatory Data Hub

Compliance Automation

Centralised regulatory reporting for Basel III, IFRS 9, PSD2, and CSRD. Full data lineage, Time Travel for audit, and automated report generation — built on the same foundation.

Phase 3 · Financial Crime

Transaction Monitoring

AML pattern detection and network analytics for suspicious behaviour — built on the same Snowflake data foundation as your Customer 360. For institutions with mature data platforms.

Get Started

See NorthStar Intelligence on Your Data.

Request a live demo or download the full capability overview. Our specialists respond within one business day.

Demo

Request a Live Demo

60-minute session walking through live Customer 360 dashboards — and discussing what a POC on your data would look like.

Download

Download the Capability Overview

The full NorthStar Intelligence document: architecture, six models, seven dashboards, ICP, engagement stages, and pricing. Complete the form to unlock it.

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