One of the ambient trends in companies is higher-resolution operational processes enabled by technology. This feels under-commented on.
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Replying to @patio11
Financial companies have been able to target offers at individual humans based on their credit reports for about 30 years or so.
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Replying to @patio11
The thing that hasn't happened pervasively is "We have a unified view of your relationship with us and competitors and micro-target you."
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Replying to @patio11
It's happened to me a few times recently, in ways which were to my advantage but surfaced a very, very efficient machine running things.
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Replying to @patio11
General flavor of this: I am a fairly desirable customer by bank standards, but owing to quirky circumstances I change banks never.
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Replying to @patio11
I opened a new card with Chase and then Amex got the memo that someone was in competition, and it's apparently been a brutal war since.
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Conducted entirely over email and in-app messaging.
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Replying to @patio11
"Want a loan at sweetheart rates?" "Don't listen to them; join our private banking." "We'll halve your interest rate; click OK to accept."
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