Prisma vs Alloy
A transparent comparison of all-in-one banking CRM versus dedicated identity decisioning platform.
Banking CRM vs Identity Decisioning
How Does Prisma Compare to Alloy?
Alloy is an end-to-end identity and fraud prevention platform for financial institutions. Prisma is an all-in-one banking CRM where identity decisioning is one component of a complete solution. Here is how they compare.
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Prisma Wins
1
Alloy Wins
0
Comparable
| Feature | Prisma | Alloy |
|---|---|---|
| Platform Type | ✓ All-in-one Banking CRM with built-in compliance | Identity decisioning and fraud prevention platform |
| Contact Management | ✓ Full CRUD, soft-delete, PEP status, document upload, verification checks, full-text search | No contact management; applicant records exist only within decisioning flows |
| Lead Management | ✓ Pipeline Kanban, source tracking, agent assignment | No lead management or sales pipeline |
| Customer 360 | ✓ 4 customer types, KYC status tracking, 9-source activity timeline | No customer 360; applicant decisioning history only |
| CRM Capabilities | ✓ Full CRM: leads, contacts, customers, cases, pipeline | No CRM capabilities |
| Identity Verification | Built-in eKYC with multiple provider options via app marketplace | ✓ Central decision engine with 200+ data sources for KYC/KYB/fraud |
| AML Screening | ✓ Built-in with 6 AML provider integrations | KYC/AML screening within decisioning flows |
| Application Onboarding | ✓ Multi-step wizard, configurable forms, conditional logic, PDF export | Identity verification flows only; no full application onboarding or form builder |
| Client Portal | ✓ Self-service portal with admin-configurable branding and live preview | No client-facing portal |
| Case Management | ✓ Auto-numbering, 6 case types, threaded comments, email-to-case | No case management |
| Account Management | ✓ 4 account types, 15-digit precision, multi-currency | No account management |
| Risk Scoring | ✓ Weighted scoring, EBA/FCA compliant, 6 factor sources, immutable scores, manual override | Risk signals within identity decisioning; not a configurable compliance risk engine |
| Workflow Engine | ✓ Visual builder, 6 step types, 11 actions, expression engine, event/cron triggers, SLA, replay | No-code decisioning workflows for identity checks only; no back-office automation |
| Mailbox | ✓ Gmail-like, TipTap WYSIWYG, threaded, labels, signatures, delivery tracking, entity linking | No email client |
| Email Infrastructure | ✓ 6 providers, per-tenant config, visual template editor, bounce classification | No email infrastructure |
| Regulatory Reporting | ✓ 17 jurisdictions, multi-format export, deadline engine | Decisioning audit logs only; no regulatory reporting |
| App Marketplace | ✓ 53 apps: 26 integration providers, 8 CRM modules, 17 regulatory, 1 AI | 200+ data sources for identity only; no broader app marketplace |
| AI Chatbot | ✓ Multi-provider, 60+ CRM tools, SSE streaming, PII tokenization | No AI chatbot |
| Dynamic RBAC | ✓ Unlimited roles, field-level permissions, 4-eyes approval chains, status transitions | Role-based access to decisioning platform; no field-level permissions or approval chains |
| Multi-Tenancy | ✓ Automatic scoping, per-tenant branding, portal, domain, and storage | Multi-tenant SaaS; limited per-tenant customisation |
| Audit Trail | ✓ Global interceptor, before/after diff, immutable log | Decisioning audit logs; not a full system-wide immutable audit trail |
| Data Import | ✓ Salesforce/CSV/Excel, auto mapping, dry-run, rollback | No bulk data import |
| Document Management | ✓ S3/MinIO, 18 document types, versioning, multi-entity linking | Document capture within identity flows; no back-office document management |
| Dashboard & Reports | ✓ KPI cards, charts, saved reports, scheduled delivery | Decisioning analytics; no CRM or operational dashboards |
| Pricing | ✓ Flat licence, accessible for growing fintechs and banks | $120K–$500K/year annual contracts; excludes early-stage institutions |
The Prisma Advantage
Why Choose Prisma
CRM + Decisioning in One
Full CRM, onboarding, case management, and identity verification in a single platform. Alloy handles identity decisioning only.
Complete Customer Lifecycle
From lead capture to onboarding to ongoing compliance and case management. Alloy covers one stage of that lifecycle.
Accessible Pricing
Flat licence pricing accessible to growing fintechs. Alloy's $120K+ annual floor excludes many early-stage institutions.
Beyond Identity Checks
Regulatory reporting, risk scoring, workflow automation, and AI chatbot extend far beyond identity verification and fraud prevention.
Ready to See Prisma in Action?
Request a personalised demo and see how Prisma compares to your current CRM.