Abstract: In an example embodiment, a method retrieves a customer product-class mapping that maps a customer identifier of each of a multiplicity of customers to 1) a customer tier, 2) a product class associated with an online, retail, and/or phone sales channel, and 3) a plurality of variables characterizing an interaction of the customer with the product class via the online, retail, and/or phone sales channel. The method generates a predictive score for each unique combination of the customer identifier, the customer tier, and the product class using predetermined online sales channel rules, predetermined retail sales channel rules, and/or predetermined phone sales channel rules, respectively, and the plurality of variables. The method selects a first set of customers from the multiplicity of the customers based on the predictive score and a revenue generated from the each unique combination and generates a schedule for contacting the first set of customers.