PEGAPCDC87V1 Exam Dumps : Certified Pega Decisioning Consultant (PCDC) 87V1

Identify the Requirement: U+ Bank wants to offer credit cards only to customers with specific risk segments and also ensure that the age of the customer is greater than 25 years. This involves setting eligibility criteria for credit card offers.

Understand Engagement Policies: Engagement policies in Pega CDH are used to define rules that govern when specific actions are relevant for a customer. This includes eligibility, applicability, and suitability conditions.

Access Next-Best-Action Designer: To implement these criteria, navigate to the Next-Best-Action Designer within Pega Customer Decision Hub.

Engagement Policy Tab:

Eligibility Criteria: Set the criteria to include customers with an age greater than 25 years.

Define the other conditions based on Credit Score and Average Balance to segment customers into Good, Fair, Poor, and Very Poor risk categories.

According to the Pega Customer Decision Hub User Guide, the engagement policy tab allows users to define when specific actions or groups of actions are appropriate for customers (Reference: Pega-Customer-Decision-Hub-User-Guide-85.pdf, Chapter on "Understanding Next-Best-Action Designer engagement policies").

Implementing the Criteria:

Navigate to the Engagement Policy tab: This is within the Next-Best-Action Designer.

Add a New Policy: Create a new engagement policy where you define the eligibility criteria for the credit card offer.

Set Age Condition: Ensure the age condition (Age > 25) is part of the eligibility criteria.

Validation:

Ensure the conditions are tested thoroughly to verify that the credit card offers are only presented to customers meeting the set criteria.

Additional Resources:

For detailed steps on configuring engagement policies, refer to the Pega documentation on "Configuring engagement policies for actions" (Reference: Pega-Customer-Decision-Hub-User-Guide-85.pdf).

Conclusion: The best practice to ensure that credit cards are offered only to customers with age greater than 25 is to use the Engagement Policy tab in the Next-Best-Action Designer, where you can set the eligibility conditions appropriately.

To enable the website to communicate with the Pega Customer Decision Hub and show the Reward Card offer to qualified customers, you need to:

Enable the web channel in the Next-Best-Action Designer's Channel tab. This step activates the web channel for inbound interactions, allowing the system to deliver personalized actions to customers visiting the website.

Map the real-time container to a business structure level. This ensures that the container is correctly linked to the business context, allowing the system to deliver the right offers based on the customer’s interactions with the website.

Correct Engagement Policy Configuration:

The customer must not be flagged as a defaulted borrower

Engagement policy: Eligibility

Customer already owns a higher-value offer

Engagement policy: Applicability

Must be a resident of New York City

Engagement policy: Eligibility

The savings product offers are relevant only if the customer has not explicitly opted out of direct marketing

Engagement policy: Applicability

Inappropriate for customers with a credit score < 300 as they are likely to default

Engagement policy: Suitability

The customer must not be flagged as a defaulted borrower

Eligibility: Eligibility conditions determine whether a customer qualifies for an offer at a basic level. Being flagged as a defaulted borrower is a fundamental criterion to disqualify a customer from receiving certain offers.