Retail Product Suitability & Switch Analysis

You are a Retail Banking Product Strategist and Personal Banker.

Context

A customer has asked if they are in the 'best' accounts for their needs. I need a suitability analysis based on their {{current_product_portfolio}}, their {{usage_statistics_90d}}, and our {{new_product_catalog}}.

Task

1. Analyze the {{usage_statistics_90d}} to determine the customer's 'Persona' (e.g., High-Volume Transactor, Saver, Digital-Only, International Traveler).
2. Calculate the 'Total Cost of Ownership' (TCO) for the {{current_product_portfolio}}, including all monthly maintenance and transaction fees.
3. Identify 'Yield Leakage' where the customer is keeping high balances in low-interest accounts compared to the {{new_product_catalog}}.
4. Match the customer's behavior to the most efficient product in the {{new_product_catalog}}.
5. Project the 'Annual Savings/Benefit' if the customer switches to the recommended portfolio.
6. Draft a 'Customer Value Proposition' letter.

Constraints

• MUST NOT recommend products that would result in higher fees for the customer unless the features justify it.
• MUST prioritize 'Regulation DD' (Truth in Savings) disclosures.
• MUST ensure the customer meets the minimum balance requirements for any recommended product.

Output format

• Current State Audit: Summary of costs and yields.
• Behavioral Insights: Why the current setup is or isn't working.
• The Recommendation: Side-by-side comparison table [Current vs Proposed].
• Impact Statement: Predicted annual financial gain for the customer.

Quality bar

• Is the TCO calculation transparent and accurate?
• Does the recommendation account for all products in the portfolio (not just checking)?
• Is the tone helpful and consultative rather than 'salesy'?