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Single Customer View

As banks, building societies and credit unions make the transition towards a Single Customer View (SCV), the FSA’s next phase of the SCV supervision programme is on the horizon.

Making sure you are adhering to the FSA’s Compliance Handbook is the first step towards an effective SCV plan. In addition to enabling wider regulatory compliance, such as with Living Wills and FATCA compliance, taking a SCV allows organisations to draw insights from their data to deliver commercial benefits.

Deloitte can help prepare, advise and support organisations on the regulations and opportunities of an effective SCV programme.

What is Single Customer View and Faster Payout?

The 'Single Customer View' regulation requires every customer to be uniquely identifiable, meaning each individual has their own separate code to which all their data is linked. This allows the regulators to aggregate positive balances across all their accounts at any given point in time, so that in the event a deposit taker fails, they can quickly gather the information required to receive a faster compensation payout from the FSCS.

      Our capabilities

  • Health Checks on your current SCV plan, indicating potential areas of noncompliance
  • Data Quality checks using our bespoke Safe Deposit tool to test the data accuracy of your SCV file
  • Deep-dives into areas of the Compliance Handbook that are causing specific concern, such as In-Flight Transactions
  • Designing a SCV programme that embeds value-creation at every stage of the process
  • Implementation and support.


Single Customer View- Getting the inside track on Faster Payout


Andy Whitton Andy Whitton
+44 20 7303 7215  


Related Insights

  • FSA Policy Statement
    FSCS reform - SCV verification.
  • Single Customer View
    Getting the inside track on Faster Payout.

Useful links

  • Financial Services
    Learn how ERS can help Financial Services organisations.
  • Data Analytics
    Unlock the value in your data.

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