id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
cjfa-20424	Kwiatkowska, Julia	CROSS-SELLING AND UP-SELLING IN A BANK	2019	12	.pdf	application/pdf	4571	251	67	The basic principle of cross-selling is the fact that an additional product or service is offered only when the customer has already purchased the basic product, but the purchase transaction has not yet been completed. The pur- poses of using cross-selling are (Paradecki, 2008, p. 343): ■ increasing turnover while fixed costs are constant, ■ increasing customer loyalty, ■ reducing the clients' fluctuation, ■ building a relationship with the client, ■ optimal use of distribution channels, ■ reducing uncertainty and risk.	cache/cjfa-20424.pdf	txt/cjfa-20424.txt