USAA's customer database is linked to the ally's database, and is updated in real time as the transaction progresses. However, it isn't necessary for you to add a service you don't consider to be part of your core competency just to avoid having to send the customer elsewhere. You can build strategic alliances with companies whose core competencies complement your own, and whose quality standards are as high as yours. You are now in the business of finding products for your customers, rather than simply finding customers for your products. Note that when you don't approach your business this way, you run a very real risk of becoming a product that other companies find for their customers.
Dialogue creates data.
Data leads to knowledge. Knowledge fosters loyalty. Loyalty is profit. Yes, it always helps to improve customer service. But you could work hard to polish your service delivery across the board and still lose a customer to a competitor.