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Addressing the issue of inactive credit cards

OCB · Posted 1 year ago

Banking and financeRecommendation Systems / Personalization
Budget
To be determined
Timeline
13 weeks
Closed on
1 Oct 2025, 23:59 ICT

Problem statement

A significant proportion of newly issued credit cards remain inactive within the first 30 days, leading to revenue leakage and underutilized acquisition investments. Activating these customers through personalized, AI/ML-driven nudges can unlock immediate transaction revenue and improve long-term engagement.

Expected outcomes and success metrics

Expected Key Outputs: • Activation propensity scoring logic and customer prioritization framework • Personalized activation journeys with tailored offers and behavioural triggers • Multichannel activation campaign tested across key customer segments • Uplift metrics and detailed recommendations for full-scale implementation

Current process

Manual working in excel - run by digital campaign

Current solution

Manual working in excel - run by digital campaign

Target users and impacted teams

Card division, Digital Banking division

Data availability and readiness

Data from Data warehouse (Oracle Exadata) or Databricks Lakehouse

Integration, deployment and infrastructure

Should run on AWS with integration to Databricks lakeshouse

Relevant AI technologies

Recommendation Systems / Personalization