Enterprises face multiple challenges in driving customer engagement • Unable to identify merchants in transaction data Data • Unable to enrich transaction data with external data • Do not have a 360-degree view of a customer Head of • Unable to uncover customer’s lifestyle tastesPortfolio Algos • Unable to target customers with 1:1 recommendations • Unable to refine recommendations in real-time based on digital behavior (like/dislike) Experience • Experience spread across the multiple digital assets, no unified journey. Partnerships • Onboarding offer merchants is not digital and is time consuming • Existing merchant partners who provide offers see limited traction