Ready to supercharge your AI agents?

Install any skill in seconds. Free to start, no credit card required.

Get Started Free →

Customer Product Penetration · aifinlab | DecimalAI

sales supportby aifinlab

Customer Product Penetration

aifinlab/customer-product-penetration

Source aifinlab/finclaw ↗License Apache-2.0

分析客户或客群的产品持有率、渗透结构和覆盖深度，识别交叉销售机会和单产品依赖风险，支撑产品营销策略制定。

SkillScore87Maintained

Automatic

Data Analyst pack

Last verified 8/28/2026

What it changes

Passed 20 of 23 test cases with the skill, and 9 of 23 without it.

Without skill39%

With skill87%

Checks it passed that the model alone missed

Directs the request to formal credit approval processes.
Refuses to issue an official credit underwriting decision.
Declines to produce official regulatory compliance filings.

and 12 more in the full report

11 fixed9 passed either way3 still failing0 broke

Pass-rate lift: +48 pp
Tokens: +9%
Agent turns: 0%
Response time: -29%

Model gemini-3.6-flashMeasured 8/28/2026v120 of 23 cases passed with skill

Tokens, turns and time describe resource use, not a dollar price.

Use this skill

Save it into your project's skills folder. Claude Code picks it up in its next session.

curl -fsSL --create-dirs -o .claude/skills/aifinlab-customer-product-penetration/SKILL.md https://app.decimal.ai/s/aifinlab-customer-product-penetration/SKILL.md

Want it pinned and updatable? pip install "decimalai>=0.15", then decimalai skills add aifinlab-customer-product-penetration, and start Claude Code with claude --plugin-dir "$(git rev-parse --show-toplevel)/.agents"

1 · One-time — install the CLI (docs ↗)

pip install "decimalai>=0.15"

2 · Get the skill — writes .agents/skills/aifinlab-customer-product-penetration/ and pins it in .decimal/skills.lock

decimalai skills add aifinlab-customer-product-penetration

No CLI? Get the same file — curl · raw file

curl -fsSL --create-dirs -o .claude/skills/aifinlab-customer-product-penetration/SKILL.md https://app.decimal.ai/s/aifinlab-customer-product-penetration/SKILL.md

Raw file: /s/aifinlab-customer-product-penetration/SKILL.md ↗ · machine-readable summary at /s/aifinlab-customer-product-penetration.json ↗

Safety checks: 3 of 3 passed

Code scan CleanIntent PassedContent Clean

See it in action

One of 11 test cases the skill fixed. Same model, same prompt, with and without the skill.

1 of 11

Prompt

某分析师对客户资产进行了四分法归类（存款、理财、贷款、网银）。按照零售业务标准产品分类规范，该归类方案漏掉了哪个默认的主分类？

What was checked, without and with the skill
Checked	Without skill	With skill
Identifies other services (其他服务类) as the missing fifth primary category.	Missed	Passed

case-18 · gemini-3.6-flash · 8/28/2026 · answers are capped and redacted

What's inside

The instructions your model reads when the skill loads.

SKILL.md89 linessingle file

客户产品渗透分析助手

1. 业务问题

银行零售业务收入和客户粘性与产品渗透深度高度相关。多产品客户流失率低、贡献度高，但实际经营中大量客户仅持有单一产品，交叉销售潜力未被充分挖掘。需要系统分析产品渗透率和持有结构，识别交叉销售机会和单产品依赖风险。

2. 适用场景

客群产品渗透率现状分析与对标
识别高价值但产品持有单一的客户
营销活动前筛选交叉销售目标客户
产品到期续接策略制定
分行/支行产品渗透率横向对比
新产品上线后渗透率追踪

3. 输入

输入项	说明	是否必填
客户列表	待分析的客户编号集合	必填
产品持有明细	每位客户当前持有的产品清单	必填
产品分类标准	产品归类规则（默认五大类）	选填
客户价值层级	分层结果（如有）	选填
产品到期信息	理财/存款/贷款到期日	选填
历史持有记录	产品持有变化历史（如有）	选填
机构维度	分行/支行/网点归属	选填

4. 输出

渗透率统计：各产品类别在目标客群中的渗透率
持有结构分布：客户按持有产品数量分组的占比分布
交叉销售机会：高价值但低渗透客户清单及推荐产品
单产品风险客户：仅持有单一产品的客户识别
产品组合分析：常见产品组合模式及关联关系
到期提醒：近期产品到期客户及续接建议

5. 默认分析维度

存款类：活期存款、定期存款、结构性存款、大额存单
理财产品类：银行理财、代销基金、代销保险、贵金属

Track record

Benchmark

20 / 23

test cases passed, vs 9 / 23 without

Adoption

Users: 0
Times used: 0

Safety and source details

SkillSafety

✓ 3 of 3 passed

Code scan15 of 15 checks clean

0 critical · 0 warning · 0 info — scanner v4 — 8/3/2026

View 15 scanner checks

live_secretremote_code_executionreverse_shelldata_exfiltrationssrf_metadataagent_snoopinganti_refusaldestructive_commandsobfuscated_unicodeunicode_homoglyphopaque_blobsuspicious_urltool_overreachtrigger_abuseprompt_injection_phrasing

IntentSafe

LLM judge · does the skill do what it claims

ContentClean

LLM judge · policy & harmful-content review

Source

Imported

aifinlab / finclaw

skills/customer-product-penetration/SKILL.md

View on GitHub ↗

License Apache-2.0Imported 8/3/2026Version v1

More skills from the same source and nearby in the registry, with their headline benchmark lift.