John recently met with a small accident that cost him a stay at the hospital for three days. In this duration, his medical bill totaled to around 75000. On his day of discharge, he uses his credit card to pay the bill. As he swiped his card, he promptly receives an SMS suggesting him to buy a health cover that could help him avoid such heavy hospital bills.
John ignored the earlier SMS. In the same week, his bank account gets credited with 1,00,000 through a third party transfer. Basis this information, knowing that John is in need of money, system triggers another SMS offering him a pre-approved personal loan of upto 3,00,000 that he can avail in a completely hassle free manner.
After John ignored the second SMS too, he is retargeted again after 2 days with an offer to turn his credit card bill into EMI. The EMI finally captures John’s attention and he clicks on the SMS link to complete the process of converting his credit card bill into EMI.
John uses the bank’s Mobile App to carry various bill payment activities and to keep track of his transactions. 15 days later, when John visits a nearby mall, he is located through geo-targeting and is sent real-time push notifications about ongoing offers on his credit card in that mall.