Increase the number of completed applications above the current rate of 50% (Gupta, Gavin, p.5). Increasing the number of approved online accounts that are actually funded within the required time frame directly affects the rate of applications completed online by the bank. The bank should create an online and physical process that is more user-friendly and provides immediate results.3. Analyze the most effective use of online and offline advertising. By integrating social media into the marketing process and eliminating outlets that generate few unique users, the bank can offset the expensive cost of clicked ads and use those funds to increase the online marketing budget from 10 to 12%.4. Reduce the disparity between online and offline advertising. In 2010, BBVA spent 21% of its marketing budget on online advertising and the rest on offline marketing efforts (see Table B). BBVA is expected to increase its spending by shifting offline marketing dollars to its online marketing efforts. While moving dollars from one area to another is simple, the bank also needs to be more specific about which ad networks/sites it will advertise on. Optimal networking of ads and sites can be achieved by: a. Ranking of sites/ad networks by unique users