The Company to look for this is CITIBANKLimits Management (what is it) Ex:set daily spending limits for Son/Daughterset limit for specific types of retailersset limit for Mediums like online purchasesblock all International TransactionsCurrent system setup:1. Swipe credit card and a credit decision is made(do you have the funds)2. Make a fraud decision ( does this match normal pattern of spending)

Alternatives 1- Using Limit Management Capability-----2.5 page Customer control Leverage to gain market share Alerts Management Capability 62% of customers say they want notification that matters 83% say banks are missing the needs/wants Capture developing markets to boost revenue Cross selling opportunity To remain relevant in the banking industry - BRAND IMAGE - ahead of the game To position the card as the Top Card Top of Wallet card - most used card by customers in order to increase spending on that card To create the foundation for multiple relationships and cross selling opportunities with clients that would find it hard to let go(reference was made to Apples several interrelated products) Why do it? Information, customer value, more cards, deposits grow, differentiate

2- Not Using Management Capability-----2.5 page1. Operation cost2. Tech Cost3. Brand Image /Customer trust - if not correctly executed4. Declining Transactions = lost revenue