Case Studies

Insights from practice.

Selected practical cases show how customer promises and financial risk cover work together.

01 · ELECTRONICS RETAIL · HISTORICAL CASE

Buy a TV. Get the purchase price back if Germany wins the title.

How an emotionally engaging football promise can be combined with a predictable campaign budget.

This anonymised case is based on a historical EMIRAT project described by the founder. It explains the campaign mechanic used at the time and is not a new contract of the current operating company, The Rockets Consulting DMCC.

01

The starting point

An electronics retailer wanted to support TV sales during a European football championship with a particularly attention-grabbing promotion. An emotional sporting occasion would provide an additional reason to buy.

02

The mechanic

The promotion applied to TV purchases made on one single promotional day. If Germany became European champions, eligible buyers would receive 100 per cent of their purchase price back under the promotion terms.

03

The challenge

A title win would have triggered numerous refund claims at the same time. The retailer would already have procured and sold the TVs. Refunding the purchase price would therefore have meant much more economically than simply forgoing profit: procurement and operating costs remained relevant.

04

EMIRAT’s role

Under the agreed cover, EMIRAT took on the defined refund risk for a premium agreed in advance. This allowed the risk premium to be included as a fixed item in the marketing budget before the promotion began.

05

Claims handling

Under the model described, eligible customer claims submitted within the deadline and supported by evidence would have been decisive if the event occurred. Unclaimed refunds would not have triggered an additional payment to the retailer. This account makes no statement about whether the event occurred or any payment was made.

06

The benefit

The product promoted was televisions: the potential full purchase-price refund connected the planned purchase to the emotional prospect of a European title win. Cover concerned the defined refund obligation, not the entire business. The premium agreed in advance could be included as a separate campaign-budget item; media, technology and execution were not automatically covered. The benefit lies in this structure, not claimed or measured results.

Anonymised historical case; specific contract details have not been published. Building contacts with separate marketing consent and relevant follow-up offers would be a possible extension of such a promotion, but are not documented elements of this case. Participation alone is not marketing consent.

02 · A BANK · HISTORICAL CASE

A title win as the trigger for an exceptional investment bonus.

How a bank can connect a sporting event with a compelling customer offer.

This anonymised account is based on a historical EMIRAT case described by the founder. It concerns a promotion at the time, not a new contract of the current operating company, The Rockets Consulting DMCC. The bank’s name and certain product details have not been confirmed.

The promotion mechanic

Customers could place money with a bank during a limited-time promotion. If Germany won the football World Cup, the bank offered an additional bonus of 50 per cent of the deposit amount qualifying under the promotion terms.

The 50 per cent was an event-triggered promotional benefit — not an annual interest rate or an unconditionally guaranteed return. Eligibility depended on the defined trigger and the promotion terms.

01

The marketing objective

The bank aimed to draw attention to its investment offer and use an emotionally engaging sporting occasion to attract customers. The additional bonus promise, conditional on a title win, was central to the offer.

02

The financial risk

As qualifying deposits grow, so does the potential bonus obligation. A title win could trigger many claims simultaneously. Volumes, caps and conditions therefore need to be clearly defined in advance so the potential obligation can be calculated and suitable cover structured.

03

EMIRAT’s role

EMIRAT calculated and structured cover for the defined bonus obligation for an agreed premium. If the covered event occurred, reimbursement would have been based on documented obligations and the contract terms. This account makes no statement about the tournament outcome or any payment having been made.

04

The benefit

The offer promoted was a bank’s investment product. The conditional additional bonus gave interested customers an emotional sporting reason to consider the offer; it was not a guaranteed investment return. Cover concerned the defined bonus obligation on qualifying deposit volume. The agreed premium could be planned in advance as a separate risk-cost item, while other execution costs remained separate. No actual deposit volumes or measured campaign results are presented.

Anonymised historical case as described by the founder. Product terms and contract details have not been published. Longer-term relationships through relevant follow-up offers with separate marketing consent are a possible extension, not a documented element of this case. Participation alone is not marketing consent.