April 02, 2013  Customers expect their banks to know them. They
also expect their banks will engage with them through their
preferred channels with easy to understand and relevant
communications. To effectively address these expectations, banks
must leverage tools such as integrated databases, variable data,
cross-channel messaging, and preference management. Using these
tools in concert enables banks to create truly valuable, cost-
efficient customer experiences that optimize the effectiveness
of every communication.  Grant Miller, Pitney Bowes Grant
Miller, Pitney Bowes  Creating A Single View of Each Customer  A
single, comprehensive view of all customer accounts, interaction
and transaction preferences, and how they respond to offers can
help optimize all customer communications. This single view can
enable banks to consolidate and personalize statements. It can
also help ensure that all communications consistently address
customer preferences and needs. By building a global customer
management repository,