According to your reading, using increasingly granular data, from detailed demographics and psychographics to consumers' clickstreams on the web, businesses are starting to create highly customized offers that steer consumers to the "right" merchandise or services-at the right moment, at the right price, and in the right channel. These are called O CS (cross-selling) ONBO (next best offers) BP (bundling product) OYMAL (you might also like)