I'm surprised your own marketing team hasn't suggested this to you as a "cost of doing business" model for the impatient impulse buyers -- here it is: When a customer has a withdrawl of $200.00 on their account accomplished in 21 days and a buy is seen 3 days into the waiting period, why not authorise a purchase of up to 50% of the held value by allowing for consent to an immediate withdrawl confirmed from the owner's bank account to extend the credit for 18 days until the first amount clears of $200.00, with the additional hold of up to the 50% until the second fund withdrawl clears. You get to collect fees for TWO funds transfers instead of one, making it increase revenue for a desired service.
This is only a business model suggestion for your company to market test - let me know if you need customers to sign up for a focus group.
Thank you.
