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Brilliant idea. This is the Holy Grail of targeted offers - right proposition to the right person at the right time on the right medium. But to make it happen by design and more ubiquitously would require IT and Marketing to work together at the product
specification stage. That's another - and, arguably, more difficult - Holy Grail to crack:)
On a another note, is the "101" in the title of your post metaphorical or do you literally plan to come out with 100 more such tips?
Many thanks for the feedback Kethamaran, good to know that you find it useful! You are quite right, in digital age IT & Business should work together and the teams use Agile development methods to become flexible for customer and market demands.
About 101 thing, I am not sure how long it would take and how difficult it would be but the target is 101 - only 99 left so far! :)
I'm frankly sick and tired of reading irrelevant and misguided advice for banks from the digerati and finsurgents. Your practical tips are absolutely the way to go. Best wishes for continuing your journey and reaching your destination. That said, even if
you just reach the halfway mark and banks implement just half of your guidance until then, they'd have a good shot at improving their financial performance and I, of enjoying a better CX in my banking life.