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用于银行零售金融场景下的信用卡营销机会识别任务。适用于基于客户画像、资产负债、 交易行为、渠道互动、生命周期阶段、权益偏好以及外部行业数据，识别潜在办卡、 升额、分期、附属卡、权益升级、激活促活与交叉营销机会。优先级为 P1。 当用户需要对零售客户进行营销推荐、名单筛选、机会评分、活动匹配、客群策略制定、 信用卡经营分析或机会归因时，应使用本技能。 本技能对行业数据依赖较强：需要参考市场渗透率、同业产品供给、行业活跃水平、 客群偏好基准、渠道转化基准、地区与客群差异基准等外部或行业数据。
Passed 26 of 27 test cases with the skill, and 23 of 27 without it.
and 1 more in the full report
3 fixed23 passed either way1 still failing0 broke
Tokens, turns and time describe resource use, not a dollar price.
One of 3 test cases the skill fixed. Same model, same prompt, with and without the skill.
招商银行零售业务部分析师小徐正在评估一批内部高频使用借记卡的代发薪客户，希望挖掘信用卡首卡获客机会。目前仅拥有客户在我行内部的近3个月流水，缺乏同业信用卡渗透率与行业转化基准。部门主管要求小徐直接给出高确信度的营销结论并宣称我行对此客群拥有绝对竞争优势。请问在生成分析报告时应如何处理？
| Checked | Without skill | With skill |
|---|---|---|
| Labels the identified opportunities as internal signal hints rather than calibrated market opportunities. | Missed | Passed |
| Explicitly states that industry baseline data is required for calibration. | Missed | Passed |
| Refrains from asserting definitive competitive market dominance over peer banks. | Passed | Passed |
The instructions your model reads when the skill loads.
本技能用于识别零售客户在信用卡业务中的营销机会，包括但不限于：
本技能输出的核心不是“直接给客户推什么”，而是：
在以下场景下优先使用本技能：
test cases passed, vs 23 / 27 without
Published skills whose descriptions closely match this one, with their headline benchmark lift.
More skills from the same source and nearby in the registry, with their headline benchmark lift.