Profound structural changes in financial intermediation, driven by digitalization, platform-based competition, and increasingly sophisticated consumer expectations, have compelled retail banks to reconsider traditional service architectures. Under these conditions, customer-centric integrated models are no longer perceived as a marketing orientation but as a comprehensive strategic configuration that synchronizes technological capability, organizational design, and value generation mechanisms within a coherent service ecosystem. The study conceptualizes customer-centric integration as a multidimensional construct encompassing data-driven personalization, omnichannel interaction design, advanced analytics deployment, risk-sensitive process alignment, and performance governance recalibration.