Challenge
The bank needed to grow product penetration across more than thirty credit card variants and shift its portfolio mix toward affluent customers — without inflating campaign cost.
Solution
Hundreds of behavioral variables were processed by Fligoo SharpAI to score each customer for each product. Offers were then prioritized and routed across email, branch, call center, and direct mail.
Outcome
Conversion rates rose 21% versus the prior approach and premium card response improved 44%. Estimated annual customer lifetime value increased by approximately $19M.