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The transition of retail from a predominantly brick-and-mortar to a brick-and-click business has left retailers with siloed channels and sizeable investments in technologies without measurable uplift. Today’s retailers need a flexible platform that allows them to tailor personalization to the dynamic behavior of the customer across multiple channels as well as evolve with the requirements of the brand. FICO® Decision Management Platform Streaming is a platform that allows retailers to easily operationalize personalization that is data-agnostic and AI/ML-enabled to determine the next best action in a customer journey.