| http://www.w3.org/ns/prov#value | - * E-mail, website, and text messaging campaigns with device-optimized actionable responses via short message service (SMS) push; * Use of social media, including the financial institution's Facebook, Twitter and other social media presence; * Contextual mobile advertising; * On device ???instant on??? with no need for website enrollment, particularly targeting the offline user; and * Offline user
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