In August 2017, Commonwealth Bank of Australia was looking for ways to differentiate itself from competing banks and was also trying to improve the financial well-being of its customers. One area where this was particularly relevant was in its bank-issued credit card business, where customers routinely selected cards that — although profitable for the bank — could be a poor fit for their needs. This led to low customer satisfaction scores, cancellations, and occasionally, financial distress. The bank decide ...