(Private banking = a modestly more personalized version of banking targeting the upper middle class, below their offerings for really, really wealthy folks. For reasons which are opaque to the bank, I'd be a poor fit for the offering.)
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No, they cookied me because they had a necessarily-tied-to-KYCed-identity session available due to my routine use of another product. Again, brilliant.
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I don't know, I would bet "probably effective." The thing which impresses me is it implies they have a CRM, a physical paper delivery pipeline, and their core banking application all working in concert for a marketing goal. That's... far above average savvy, even in tech.
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I run a marketing business that handles similar scenario. Often the challenge is getting all parties to sit around the table & realise that team X won't loose territory to team Y but that by working altogether we create value for all involved parties
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@AmericanExpress is great at this kind of stuff. The technical side at least. The business side is still questionable. -
Why yes, I *did* get your offer for 10K free MR points, let me take advantage of the offer without carrying a balance.
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As someone who works with such things, the CRM, paper delivery, cookie combo is very clever and rare.
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