U+ Bank, a retail bank, is currently presenting a cashback offer on its website.
Currently, only the customers who satisfy the following engagement policy conditions receive the cashback offer:

While continuing cross-selling on the web, the bank now wants to present the cashback offer through a new channel, SMS. The bank also wants to update the suitability condition by lowering the threshold of the debt-to-income ratio from 48 to 45.
As a business user, what are the two tasks that you define to update the cashback offer? (Choose two.)