Banks have learned that the more relationships the customer has with the organization, the higher the retention rate. Cross-selling is the future of business growth. Cross-selling is where the customer is at the center of the strategy and optimization technology will flourish. As margins narrow in long established business lines, organizations will look to undeveloped business lines to put themselves back on the right growth curve. Other technologies can predict the future given the past.
Optimization can predict the future given changes now.
The future interaction effects and marginal effects that occur when multiple offerings are made to customers can not be simulated with predictive modeling.