Analyst comments

'Incorporate insights, not just data, about the customers. Banks should use a combination of data sources that are refreshed regularly rather than just rely on relatively static information and credit scores. Offers should reflect facts that can be discovered during customer interactions, such as a new baby on the way, a new job, or a house move in the works. Econiq offers a tool that reps can use to capture this data and store it for immediate or future use with offer development.'

Mary Pilecki, 'Capitalizing on Banks' Sales Opportunities', Forrester , June 19, 2006