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The proliferation of marketing channels, digital and traditional, poses a twofold challenge for marketers: how to integrate and effectively apply vast amounts of customer data coming through multiple channels, and how to engage customers profitably across those channels. FICO® Customer Dialogue Manager solves both challenges, enabling marketers to plan, execute and manage multi-channel campaigns that are precisely targeted to individual customers based on their interactions, needs and preferences. As a result, marketers can better focus their budgets on initiatives with a higher likelihood of success, leading to improved profitability.