Customer Information File - CIF
a customer information file is a collection of data about a bank or credit union patron. it includes the customer's personal information such as name, address, phone number, tax id number and date of birth. it also holds account information such as types of accounts held at that bank and its balances as well as account numbers and transactions. the cif is updated regularly so that banks always have current information about their customers and can handle any customer request accurately. it may contain archives of previous email messages and phone interactions with customers. along with helping banks for ? administrative services, cifs also help banks with notification services and marketing. if they know of products a customer has, how much money they have, how often they use their accounts, how old they are and where they live, they can suggest complementary products for that customer such as a credit card or certificate of deposit. cifs can even help banks with tax reporting and with determining which customers are profitable. bank of the middle class wants to attract more customers to its individual retirement accounts. it scans its customer information file to see which customers receive a ? deposit but have no ira account. the bank assumes these customers might want to contribute some of their income to an ira. the bank then uses its cif to generate the mailing list to contact these customers. as a result, 1,000 existing customers open ira accounts. the cif has helped the bank improve its possibilities of maintaining long-term relationships with its customers and when one of those customers, ?, calls the bank to open a retirement account, the cif allows the customer service representative to see all of her personal and account information and help her quickly open and fund an ira.
- customer information file（cif）・・・顧客情報ファイル
- credit union・・・信用組合
- individual retirement account（ira）・・・個人退職口座→https://ja.wikipedia.org/wiki/IRA_(%E3%82%A2%E3%83%A1%E3%83%AA%E3%82%AB)