U+ Bank's marketing department wants to use the always-on outbound approach to send promotional emails about credit card offers to qualified customers. As a part of this promotion, the bank wants to identify the starting population by defining a few high-level criteria in a segment.
For each condition below, select which two conditions should be defined in Segment and which three conditions should be defined in Engagement policy as best practice.

U+ Bank decides to introduce a credit cards group by leveraging the Next-Best-Action capability of Pega Customer Decision Hub™. The bank wants to present the credit card offers through inbound and outbound channels based on the following criteria:
1. Customers must be above the age of 18 to qualify for credit card offers.
2. The site offers credit cards only if customers do not explicitly opt-out of any direct marketing for credit cards.
3. The Platinum Card, one of the credit card offers, is suitable for customers with debt-to-income ratio < 45.
As a decisioning architect, how do you implement this requirement? In the Answer Area, select the correct engagement policy for each criterion.

U+ Bank implemented a customer journey for its customers. The journey consists of three stages. The first stage raises awareness about available products, the second stage presents available offers, and in the last stage, customers can talk to an advisor to get a personalized quote. The bank wants to actively increase offers promotion over time.
What action does the bank need to take to achieve this business requirement?

• A. Enable increasing stage upweighting for the first stage of the journey.
• B. Upweight the propensity by adding more predictors that fit the target customers and repeat this process over time.
• C. Enable constant stage upweighting for the second stage of the journey.
• D. Enable increasing stage upweighting for the second stage of the journey.

Pega Customer Decision Hub enables organizations to make Next-Best decisions. To which type of a decision is Next-Best-Action applied?

• A. Predicting the time of a machine failure
• B. Optimizing supply chain management
• C. Determining if a borrower gets a loan
• D. Determining how to optimize inventories

U+ Bank wants to offer credit cards only to customers with a low-risk profile. The customers are divided into various risk segments from AAA to CCC. The risk segmentation rules that the business provides use the Age and the customer Credit Score based on the following table. The bank uses a scorecard model to determine the customer Credit Score.

As a decisioning architect, how do you implement the business requirement?

• A. Add a decision table to a decision strategy and reference it in the scorecard component.
• B. Add three contact policies that correspond to the three risk segments.
• C. Add the risk segmentation rules in the Results tab of the scorecard rule.
• D. Add a decision table to a decision strategy and pass the credit score as the parameter.