The single view of the channel the legacy policy & distribution systems never had — the same channel, mastered across the Policy Admin System and every distribution system, resolved into one.
14 fragmented records across 7 source masters resolve to 6 golden records — a 57% duplicate rate collapsed on merge. Reconcile the 1 channels with conflicting renewal-payment terms to stop premium leakage and unlock the 6 cross-system channels.
6 of 14 records resolved to golden · 8 duplicates collapsed · 1 term conflicts open
The same channel sits on Auto-debit in one system and Net 15 in another across 1 records — direct premium leakage and reconciliation risk a single master removes.
14 raw records reduce to 6 golden — finishing survivorship gives every team one channel, one owner, one set of terms.
6 golden records are already mastered across ≥2 systems — the resolved master is the cross-sell base no single policy or distribution system could see alone.
Golden record is the join key for Customer 360 and Cash 360
Each distribution system kept its own channel list, so SBI Bancassurance, Agency and Brokers each exist several times across the systems — with different names, IDs and even renewal-payment terms. Until they're resolved, no one can see the true relationship, total exposure, or cross-sell base. This is the golden record AI builds on top of the mesh.
The ★ master survives; the rest merge with a match confidence. Conflicting terms are flagged in red.
| Source system | Name as stored | ID | Terms | AR | Match |
|---|---|---|---|---|---|
| ★SBI Bancassurance CRM | SBI Branch Channel (CIF-sourced) | BANCA-1001 | Auto-debit | ₹1,500 Cr | master |
| 0Policy Admin System | SBI Life via SBI branches | PAS-30011 | Auto-debit | ₹900 Cr | 97% |
| 0Persistency / Renewal engine | SBI banca renewals | REN-7701 | Auto-debit | ₹420 Cr | 94% |
Cross-channel signal: SBI Bancassurance (parent 22,000 branches) is mastered across 3 SBI Life systems (Policy Admin, Banca CRM, Agency portal & the renewal engine). That's one channel to coordinate — one owner, one set of terms — and the cross-sell base already inside the book.
Fuzzy + LLM matching on name, code and IRDAI/branch ID links 'SBI Branch Channel (CIF-sourced)', 'SBI Life via SBI branches' and 'SBI banca renewals' to one channel — with a confidence score, not a blind merge.
Records above the confidence threshold collapse into one; borderline matches are queued for a human steward.
Survivorship rules pick the winning value field-by-field (most-recent, most-complete, or the governed source) to form the golden record.
Conflicts — different terms, duplicate premium — are surfaced to finance and distribution, and total exposure is netted across the systems.
The golden record is the join key for everything else: it lets Customer 360 show one channel, Cash 360 net one exposure, and the cross-sell engine see that a channel already sells two product families — the same entity-resolution layer that powers the policy-grain and new-business views.