contains policies, processes, and information systems that organizations use to establish and maintain relationships with current and potential users of their products or services.

Customer Relationship Management.

Explanation:

Customer Relationship Management or CRM is a business management model that is based exclusively on the relationship between staff and their current and potential customers. His primary focus is customer retention and driving sales by attracting new customers.

To obtain new clients, they use computer software to expand their database, meet the needs of their clients, and expand their marketing process.

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answer; risk transference;