HSBC is looking to leverage AI to predict how customers might redeem rewards points; the bank is looking to market specific offerings to the person so they get a tailored experience; the bank has partner with Maritz Motivation Solutions who uses technology to suggest categories to cardholders based on their likeliness to redeem the rewards; with so much competition in the market the bank knows they need to better tailor their experience to the different types of customers they have. Source.