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People's personal and financial circumstances are getting progressively more convoluted due to the ongoing cost-of-living crisis, soaring energy prices and rampant inflation. In these challenging times, it is widely acknowledged that digital solutions serve as the most appropriate initial point of consumer interaction, allowing users to interact in a non-threatening and comfortable way. It is essential that when implementing such solutions, we avoid constricting the options the customers could get. That is why the main challenge is to find a platform that allows you to design and customize your digital customer journeys effortlessly in order to reflect your consumers' often fluctuating financial and personal conditions.