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Koyel.
07BFSI / CRM / Data-led CreativityLive work

Inactive to ActiveWaking up two million dormant customers.

A dormant customer isn't a lost customer. They're a conversation that stopped.

Dormant customers addressed
DMA Asia ECHO 2019

Disciplines

  • BFSI
  • CRM
  • Data
  • Retention
  • Personalisation
  • Award-Winning
Role
Creative direction — copy · CRM communication
Channels
CRM · Direct · Digital
  1. 01

    Context

    The business problem.

    Banks accumulate dormant accounts. The customers haven't left — they've simply stopped transacting, and the relationship has gone quiet. Re-engaging them is cheaper than acquiring new ones, and considerably harder to do without sounding like a reminder letter.

  2. 02

    The Challenge

    What needed solving.

    Reach 2M+ dormant customers with communication that earns a response — in a category where the default tone is procedural and the default channel is easy to ignore.

  3. 03

    Strategic Thought

    The territory.

    Write to behaviour, not to a segment. Dormancy is a human state with human reasons behind it, and data can indicate which reason applies. That makes personalisation a creative input rather than a mail-merge field.

  4. 04

    The Idea

    Inactive to Active.

    A behavioural nudge delivered through storytelling rather than through a reminder — data-informed creative for a category that rarely treats CRM as a creative surface.

  5. 05

    Koyel's Role

    Stated responsibilities only.

    • Creative Director – Copy on the Kotak Mahindra Bank account.
    • Led the award-winning Inactive-to-Active campaign — behavioural nudge via storytelling.
  6. 06

    Impact

    Supported outcomes.

    An audience of 2M+ dormant customers, and a DMA Asia ECHO Award in 2019. No response-rate figures are claimed.

  7. 07

    What This Demonstrates

    The transferable bit.

    • Data-informed creativity in a regulated category.
    • CRM treated as a creative channel rather than an operational one.
    • Behavioural messaging that survives compliance without going flat.

Contact

Have a brief thatrefuses to behave?

Let’s make something people remember.

Based in

Mumbai, India

Open to

  • Creative Strategy
  • Communication Strategy
  • Senior Leadership Opportunities
  • Brand Collaboration
  • Campaign Consulting