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What Technical Requirements Exist for Integration?
For platforms like Alkami and Segmint to power omnichannel programs, you need clean data feeds, stable identity, consent flags, secure transport (APIs/SFTP), channel hooks to MAP/CRM and app/web surfaces, and monitoring with audit trails. The tables below outline specifics.
Minimum viable integration requires: (1) identity keys to join core, card, and digital events; (2) consent management and suppression rules; (3) secure transports (REST/GraphQL, SFTP, or event streams) with encryption and IP allowlists; and (4) channel connections to your MAP/CRM and app/web CMS with tagging and holdouts for measurement.
Core Technical Requirements
| Domain | Requirement | Acceptable Options | Why It Matters |
|---|---|---|---|
| Identity | Stable member/customer key across systems | Hashed PAN surrogate, core CID, or enterprise GUID | Joins behavior, eligibility, and outcomes reliably |
| Consent & Suppression | Flags for marketing permissions and do-not-contact | Consent table synced to MAP/CRM; channel-level flags | Compliance, rate limiting, and respectful outreach |
| Data Feeds | Daily files or streams from core, cards, digital banking | SFTP PGP-encrypted batches or Kafka-style event topics | Builds audiences and triggers journeys |
| APIs | Secure read/write endpoints for audiences and events | REST/GraphQL with OAuth2/JWT; IP allowlists + throttles | Near-real-time activation and feedback |
| Web/App Hooks | SDK or CMS components to render offers and track views | JS tag, mobile SDK, or server-side templates | Consistent in-channel experience; view/click telemetry |
| MAP/CRM | Audience import/export and campaign status sync | Native connector, secure SFTP lists, or API jobs | Coordinates email, tasks, and attribution |
| Security | Encryption in transit/at rest; secrets management | TLS 1.2+, server-side KMS/HSM, key rotation policy | Protects PII/PCI and passes audits |
| Monitoring | Health checks, retries, and audit logging | Webhook alerts, dashboard SLIs/SLOs, error queues | Reliability and traceability |
Environment Readiness Checklist
- Golden profile defined (IDs, merge rules, and dedupe logic).
- Consent model mapped to channels (email, SMS, push, in-app).
- SFTP endpoints exchanged with PGP keys and IP allowlists.
- API credentials issued; OAuth scopes and rate limits agreed.
- Daily/core files validated (row counts, checksums, data types).
- Event taxonomy documented (login, fund, activate, DD detected).
- Offer library established with eligibility and suppressions.
- Web/app SDK installed with page/app screen tracking.
- MAP/CRM list sync tested; bounce and unsubscribe handling verified.
- Dashboards live for funded %, activation time, DD adoption, and lift.
Recommended Readiness Sequence
| Step | What to Do | Owner | Output |
|---|---|---|---|
| 1 | Establish identity keys and consent fields | Platform + Compliance | Member profile spec and consent map |
| 2 | Stand up secure transport (SFTP/API/stream) | Platform/Security | Encrypted feeds, IP allowlists, credentials |
| 3 | Validate data (profiling, nulls, business rules) | Data Eng + Analytics | Data quality report and acceptance |
| 4 | Connect MAP/CRM and app/web surfaces | MAP Admin + Web/App | Audience sync and rendering hooks |
| 5 | Launch pilots with holdouts and monitoring | Lifecycle + Vendors | KPIs dashboard, alerting, and runbook |
FAQs
Do we need real-time streaming or are daily files enough?
Daily files work for many lifecycle campaigns; use event streaming for activation-time nudges and service alerts where minutes matter.
How do we handle identity across channels?
Choose one enterprise ID and maintain a crosswalk table. Map device/app IDs and emails/phones to that key for joins and suppressions.
What security controls are mandatory?
TLS 1.2+, at-rest encryption, IP allowlists, key rotation, least-privilege API scopes, audit logs, and incident response runbooks.
How do we measure integration success?
Track feed freshness/health, error rates, latency, plus business KPIs: funded-account %, activation time, direct-deposit adoption, and incremental lift.
Where can we see relevant banking examples?
Review funded-account plays and FI solutions here: funded accounts guidance and financial services solutions.
Get in touch with a revenue marketing expert.
Contact us or schedule time with a consultant to explore partnering with The Pedowitz Group.