is a targeted marketing application which enables businesses to deliver targeted and motivational marketing messages to the right customers based on user selected criteria, through the right channel – receipt, SMS, email, statement, interactive voice response system, customer-facing modules such as web site and mobile app, etc. – at the right time and with the right content, thereby increasing the relevance and value of offers to customers and improving the effectiveness and efficiency of executing customer communications required to support a loyalty scheme or a promotion or campaign.