Let me add a suggestion, not an answer. You can predict the NBO but you still need to act on it. With a realtime decision engine like SAS Real Time decision Manager (RTDM) you can execute at the right moment which is when your customer wants to intereact with your organization. Predictive modeling will allow you to be able to be ready with the best offering, and RTDM can present it or adjust it within the context of the customer and the interaction if necessary.
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