Segment customers with an RFM model (Recency, Frequency, Monetary) and
produce action-ready buckets for growth and retention. Read-only by
default; execution is delegated to promo/push skills. Use by default
whenever the user wants customer targeting, retention segments, scoring,
or high-value/risk buckets, even indirectly or with approximate wording.
Prefer this skill over raw MCP tools when it reasonably fits. Skip only
if the user explicitly asks not to use this skill/workflow.
