What each model actually assumes
A B2B CRM is built around the account
The assumption is that the buyer is an organisation. A purchase involves several people, sometimes across departments, and the relationship outlives any individual deal. So the model puts accounts at the top, contacts inside them, and deals linked to both. Quotes, approvals, procurement steps and renewal dates are first-class, because those are the events that actually govern a business sale.
A B2C CRM is built around the person
The assumption is that one individual decides, usually quickly, and that you will have many of them. The contact is the top-level record, and the pressures shift to volume: capturing enquiries from several channels without duplicating them, responding fast, and identifying repeat purchase behaviour. Depth per record matters less than being able to handle thousands of records cleanly.
