Customer journey framework for banking products personalization ACTION CHANNEL PRODUCT ACTION CHANNEL PRODUCT ACTION CHANNEL PRODUCT TRIGGER 2 TRIGGER 4 T TRIGGER 1 T TRIGGER 3 TRIGGER 5 T 0 +15 +30 Product mix: ACTION CHANNEL PRODUCT ACTION CHANNEL PRODUCT Product holding (savings a/c, finances, etc.) Behaviour Mix: Spends on merchants, increasing balances etc. Optimized approach towards Automated orchestration Freedom to customize driving customer value via the platform triggers and actions