CAP-104 — Channel selection & preference

Category	Customer communications
Business goal	Not yet linked to a business goal
Satisfying module	MOD-063
Mode	AUTO
BD owner	BD01 Customer
Human needed	No

Selects the delivery channel (push notification, SMS, email) for each outbound communication based on the notification type and the customer's stored preferences (CAP-058). Falls back to a default channel if the preferred channel is unavailable. Urgent regulatory communications override preference settings and use all available channels.