Then the operator hits a button, goes back through the infrastructure and recalculates all the segmentation and comes back with the next best offer.

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Using advanced analytics, it can understand the next best offer to make when a customer interacts with the bank, and the offer can go out across any channel.

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Another form of personalization, behavioral targeting, gets personal on an individual level: Users can be targeted by previous searches, past purchases, the time of their last visits and even their activities in physical stores, call centers or websites to predict the next best offer for them in their buying life cycle.

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An Essex town's bid to book Beyonce for its carnival may have failed, but its neighbours are planning to offer visitors the next best thing.

BBC: Beyonce

If a winning entrant is unable to be contacted after reasonable attempts have been made to do so, the Producers reserve the right to offer the prize to the next best entry.

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The next step should be incorporating research on which majors offer the best opportunities for jobs, so if someone's daughter or son wants a degree that doesn't train for a specific job, they can see what they are getting into in the long term.

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Apart from a stated preference and dedication to Microsoft's Windows Phone OS, savvy geeks on the cusp of the next best thing won't necessarily want what the 900 has to offer, especially in light of that other spotlight-stealing flagship, the One X.

ENGADGET: Nokia Lumia 900 review Mobile

Millions of commuters and visitors to London will be able to get online at Tube stations and find their way around the capital with up-to-the-minute TfL travel information, access social media whilst they wait for their next train on the station platform or browse the web to discover the very best London has to offer this summer.

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