Cross channel engagement for sample persona 1 Automated Offer Automated notifications that 3 Automated 5 7 recommendation 1 communication highlight nearby communication to at Kofuku and 5 to the customer merchants with the customers other restaurants discounts Offer Supplementary Salary transfer recommendations Card Spend increase for Debit Cards SMS / Email: 1 day after App: Nearby deals notification SMS: 2-3 days later App notifications: 3 weeks later T + T + T Transfers the same Multiple branch visits for 15 Transacts at Hamleys, Toys 30 Frequently transacts with Urban Kitchen amount from outside checking balance ‘R’ Us and Kofuku accounts Persona 1 SMS –On the same day SMS: 60 minutes from RM: 1 week later purchase Product mix: Has a savings a/c and a Mobile App Premium DIning debit card Activation Spend Increase Card Behaviour Mix: Automated Offer Customer is message to the recommendations profiled and sent Impulse buying 2 customer 4 for merchants like 6 to the CRM along Hamleyssent with the attributes Excessive spending Transacts on dining and lifestyle merchants Product Action