Most retail banks onboard accounts. Financial Services Cloud onboards relationships — and the difference shows up in conversion, service time and share of wallet.
A current account here, a mortgage there, a teenager's first card, a power of attorney for a parent — to most core systems these are five records that happen to share a surname. Every team that touches one of them starts from zero. The customer feels it as repetition; the bank feels it as cost and missed connection.
On FSC, relationships are modelled as first-class data: people belong to households, hold roles in them, and connect to each other — joint holders, dependants, attorneys, executors. It isn't a note on a record; it's structure the platform can act on.
Three numbers move. Onboarding completion rises because the journey shortens for every product after the first. Service handle time falls because context arrives with the call. And share of wallet grows for the simplest reason: you can't deepen a relationship your systems can't see.
Map ten real customers — the messy ones, with joint accounts and adult children — and draw what your current systems know about how they're connected. The gaps in that drawing are your householding backlog, and on FSC most of it is configuration.
One conversation with the architect — and a clear view of what your bank could ship next quarter. If we're not the right fit, we'll tell you in that call.