Cross channel engagement for sample persona 2 Automated Automated 3 Customer profiled 6 8 Offer communication message sent on and sent to the recommendation 1 to the customer Whatsapp/SMS CRM along with at Kofuku and 5 the attributes other restaurants Personal Finance WhatsappBanking Forex Prepaid Spend increase Recommendation Card SMS / Email: 1 day after SMS/Whatsapp: 1 week later RM: 1 week later App notifications: 3 weeks later T + T + T Personal Loan matures in Repeated usage of the app for 15 Transacts at SpiceJet multiple 30 Historically made high ticket 30 days transferring and maintenance times purchases in the auto category Persona 2 SMS: 60 minutes from RM: 1 week later purchase RM: 1 month later Product mix: SMS –On the same day Has a current a/c and a Digital sales for Spend Increase Car Finance Motor Insurance credit card Personal Finance Spend Increase Behaviour Mix: Staycations and Offer E-mail sent to the In-app notification hotel recommendations SMS/E-mail sent customer to the selected recommendations for merchants to the customer recommending Tech-Savvy 2 customer 4 sent to the 5 similar to Spicejet 7 motor insurance Automobile Enthusiast, customer via e-Mail Frequent Flyer Future Entrepreneur Product Action