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We divided personal banking users into three groups based on how they interacted with the Rewards. The survey was sent to all customers in each of the following segments:

  1. Segment A: Users who have activated Rewards, completed transactions, and successfully cashed out.

  2. Segment B: Users who have activated Rewards, completed transactions, but haven’t cashed out.

  3. Segment C: Users who have Rewards activated but haven’t done any transactions.

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