According to Monevo, in financial services, personalized pre-approved offers have a higher initial engagement than personalized non-pre-approved offers, and both have significantly higher performance than offers with no personalization at all. When analyzing the power of offers to inform a decision, Dawn Wood, Monevo’s UK Territory Director, states: “Data shows when presented with an option to connect their bank account during a credit application [to allow product providers access to Open Banking data to make a lending decision], Gen Z were twice as likely to do so compared to Millennials, and over three times more likely than Gen X.”2 But we can also see innovation in physical settings as businesses look to attract foot traffic and create differentiation that caters to consumers wanting face-to-face engagements.