Smart Moves;

1) Buying up sponsorships at a value price while many in the category sit this year out.
2) Going after the affluent while AMEX is reeling,
3) Building better rewards when all others are being reduced and
4) Providing synergies with branch banks and products for choreographed cross-selling.

Local activation could make this a very strong play at branch, especially if Chase improves their internal back-end data to provide a more holistic view of their customers and builds a solid mobile platform.

We've done a lot of work in the financial sector space and understand the emerging importance of mobile.

Mobile is beginning to change banking in profound ways, and with GPS and Bluetooth opt-ins for special purchase messages and bonus rewards with very geo-specific offers, now is the time for an aggressive institution to strike.

Our study, "XL Marketing Trends" will be released this month. It highlights the top 10 trends changing the marketing landscape and mobile is #1.

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