Banks and other authorised deposit-taking institutions are struggling to meet the single customer view requirements of the Financial Claims Scheme, according to the chief information officer of a leading mutual bank.APRA's rules for the Financial Claims Scheme (APS 910) require that authorised deposit-taking institutions be able to identify each account-holder and have a "single view" - aggregated account-holder information - of each customer relationship.The idea is that if an ADI fails and another institutions comes in to run its affairs, the incoming management will be able to use the single customer view to gain a quick understanding of each customer's situation.ADIs must have processes in place to ensure the integrity of the data and single customer view arrangements must be subjected to external audit. They should have had all of this  in place by the start of this year.Teachers Mutual Bank chief information officer David Chapman said that he understands from his discussions with the CIOs of other mutuals that many of them are still working to get their single view arrangements in place. Chapman said: "My understanding is that the Big Four are also still working on it. The problem is that most financial institutions operate with a range of disparate systems."Teachers Mutual Bank completed a core system upgrade in April last year. Chapman said it was an opportunity to clean up its data systems."We had different data storage for different parts of the bank, no co-operation between the different parts and no overall stewardship," he said."We decided we would go for a single data warehouse and a single set of data analytics."Chapman said that since the completion of the project the bank has found that a single source of clean customer data is very valuable."For a customer point of view, any staff member in our front office can see all the customer's business with us. We can get things resolved more quickly. And we don't try and sell them things they don't need."We can be more proactive in advising them how to save money through better choice of accounts or getting them a better rate."