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[Reference: [Pega-Customer-Decision-Hub-User-Guide-85.pdf, "Understanding Next-Best-Action Designer engagement policies", pg. 128], Customer already owns a higher-value offer, Applicability: Applicability conditions are used to determine if an offer is relevant at a specific point in time. If a customer already owns a higher-value offer, presenting another similar offer may not be relevant., Reference: [Pega-Customer-Decision-Hub-User-Guide-85.pdf, "Understanding Next-Best-Action Designer engagement policies", pg. 128], Must be a resident of New York City, Eligibility: This is another basic qualifying criterion, ensuring that only residents of a specific location are considered for certain offers., Reference: [Pega-Customer-Decision-Hub-User-Guide-85.pdf, "Understanding Next-Best-Action Designer engagement policies", pg. 128], The savings product offers are relevant only if the customer has not explicitly opted out of direct marketing, Applicability: This condition ensures the relevance of the offer based on the customer’s current status regarding direct marketing preferences., Reference: [Pega-Customer-Decision-Hub-User-Guide-85.pdf, "Understanding Next-Best-Action Designer engagement policies", pg. 128], Inappropriate for customers with a credit score < 300 as they are likely to default, Suitability: Suitability conditions ensure that offers are in the best interest of the customer. Offering a credit product to someone with a very low credit score might not be suitable given the high risk of default., Reference: [Pega-Customer-Decision-Hub-User-Guide-85.pdf, "Understanding Next-Best-Action Designer engagement policies", pg. 128], By setting the engagement policies correctly, U+ Bank ensures that the offers shown to customers are appropriate, relevant, and beneficial, thereby improving customer satisfaction and reducing risk., , , ]