ENGAGE • Lifestyle • Recommendrelevantlifestylemerchantsandproductstodrivespends CUSTOMERS recommendations  Identify relevant merchants, products forevery customerbyleveraging maya.ai tastegraphanduser’sdigital interaction behavior, transaction data  Optimize the ‘rank order of preference’ for merchants and products for each individual customer basedoncontext-location, timeofday,dayofweek ENGAGE • Financialproduct • Identify customerswithpropensity totakeupfinancial products(loan,insurance, etc..) CUSTOMERS recommendations  Identifycustomerswhohavetakentargetproductwithoutprompting  Identify behavior for6monthspriortotakinguptheproduct  Matchcustomers in theportfolio whoexhibit similar behavior based onidentified characteristics andrecommendproducts  Alternatively, createX-sell models forthevarious products offered andrankordertheoneswithhighpropensityscore