Customer-centric finance in America: the deployment mapRetail banking is the visible front: predictive alerts, fee education, goal automation, and dispute tracking shipped to phones that already host the relationship. Small-business banking is converting now, rebuilding onboarding and credit around the operator’s cash flow instead of the bank’s paperwork. Many institutions run centricity as a marketing layer, personalized greetings over product-line machinery, while a smaller set rebuilt incentives and dashboards underneath. Use cases that prove the modelThe strongest use cases share one property: the institution acts on information before the customer must. Risks: where centricity curdlesThe same machinery that times a helpful warning can time a vulnerable moment.