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What are the measures taken by the banks to impr
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</XXXXXX><XX></p><p><XXXXXX>5. Automating the XXXXXXXX XXXX XXXXXXX :</strong>XXXXXXXXX XXX XXXXXXX more self-service options XXX service XXXXXXXX XXX XXXXXXX in the XXXXXXX age life . XXXXXXXX XXXX-service, XXXX XXXXXXXXXX, dispute management and event-based XXXXXXXX XXXXXX XXX XXXXXXXXX XX considered XX XXXXXXXX XXXXXXXX care XXXXX minimizing operating costs and maximizing XXXXXX. XXXXXXX, banks XXXXXX XXXXXXXX XX XXXXX XXXXXXXXXX XXXXXX as an XXXXXXXXX XXX XXXXXXXXX XX use low cost XXXXXXXX.</p><p><strong>X.<b>Innovative XXXXXX design :</b></XXXXXX>XX today’s hyper-competitive XXXXXX, banks XXXX XX XX beyond XXX “one-XXXX-fits-XXX” XXXXXX model, especially to XXX most XXXXXXXXXX XXXXXXXXX. XXXX need to create a XXXXXX XXXX XXXXXX profitable XXXXXXXXX to XXXXX XXXXXXX benefits XXX redeem reward points easily XXX in a XXXXXXX XX XXXX (XXX gift cards, items, events XXX experiences or XXXX). XXXXXXXXX Cruise MBNA has XXXXXXXXX with Bank of XXXXXXX XX create a comprehensive Rewards XXXXXX Card that includes XXXXXX XXX non-cruise XXXXXXXX benefits, XXXXXXXXX XXXXXX, freight XXX XXXX prizes. XXXXXXXXX XX XXXXXXXXXXX, the Celebrity XXXXXXX (XX) XXXXX XXXXXX XXXX (R) XXXXXX XXXX XX XXXXXXXX for XXXXX XXXXXXX for XXXX to balance their XXXX and leisure XXXX. XXXXXXX One XXXXXXXXXX Air Purchase XXXXXX's XXXXXX Reward Redemption feature XXXXX customers the ability XX XXXXXX past travel costs XX using XXXXX reward miles.</p><p><strong>7. Multi - channel XXXXXXXX experience :</strong>Banks need to XXXXXXX XXX XXXXXX XXXXXXXXX XXXX a XXXXXXXXXX XXXXX-XXXXXXX XXXXXXXXXX for XXX XXXXX points (branches, online, XXXXXXXX and investment XXXXXXXX, XXX.). XXXXXXXXXX is XXXXXXX changing XXX XXX consumers XXXXXX and XXXXXXXXXXX. Virtual channels XXX becoming more and XXXX relevant with XXXX-speed XXXXXXXX XXXXXXXXXXXX XXX the XXXXXXXXX XX web-enabled XXXXXX XXXXXXX so that users XXX spend XXXX XXXX XXXXXX. In addition XX bank customers continuing XX XXX a XXX XX XXXXXXXX, non-XXXXXX channels are XXXX for XXXXXXX XXXXXXX transactions, XXXXX retail branches XXXXXX XXX main XXXXXXX XXXXXXX, XXXX XXXXXXXX suggesting XXXX XXXXXXXX traffic XX XXXXXXX or falling in XXXX XXXXX. XXXXXXXXX XXXX heavily on digital / phone XXXXXXXX. XX fact, XXXXXX XXXXXXX and XXXX XXXXXXX account XXX 55 percent XX transactions XXXXX. This XXXXXX will XX a XXXXXXXX development XXX XXXXX, XXX XXXX must XX XXXXXXXX XX XXXXXXX customers XXXX great XXXXXXXXXXXX and a XXXXXXXX XXXXXXXXXX across all XXXXXXXX. Successful XXXXXXXXXXXXXX of such a strategy will yield XXXXX financial rewards, but XXXX XXXXXXX the XXXXX XXX of XXXXXXXXXXX and the XXXXXXXXXXX XX XXX capabilities.<br></p><p><XXXXXX>X. XXX Data :</XXXXXX>New XXXXXXXXXXXX technology XX XXXXXX XXX game XX the XXX XXXX. Big XXXX XXXXXXXXXXXX give XXXXX the ability XX XXXXXXXXXX their XXXXXXXXX XX a more XXXXXXXX level and XXXXXX personalized offers. Allows banks XX contact XXXXXX agents in a XXXXXX, concise XXX action-XXXXXX XXXXXX if XXXXX are problems before XXX after XXXXXXXX XXXXX. It XXXXXXXXX sales, XXXXXXXX XXXXXXXX XXXXXXXXXXXX XXX reduces maintenance costs. Fraud, financial XXXXX and security breaches, in all its forms, XXX one XX XXX most costly XXXXXXXXXX XXXXXX the XXXXXXXXX industry. Large data XXXXXXXXXXXX XXXXXXX a XXXXXXXX, integrated, XXXXXX and low-XXXX XXXXXXXX XX prevent, detect and XXXXXX internal and XXXXXXXX XXXXX. Big XXXX XXXXXXXX: low cost and low XXXXX XXXXXXXX monitoring XX fraud screening, XXXXXXXXX XX XXXXX investigation costs, reduction XX payment XXXXX losses, XXXX time XXXXX detection XXX mitigation, XXXXXXXXXX offers and XXXXX cell.<br></p><p><b><XXXXXX></strong></b></p><p><b><strong><br><br></strong></b></p><XXXXXX><br></XXXXXX><p></p><p><XX></p>">
