Great customer expectations
|
|
- Herbert Maxwell
- 8 years ago
- Views:
Transcription
1 Great customer expectations Joining the dots between loyalty and customer experience
2 Introduction Ever since we ve had goods to exchange, we ve needed financial services to store our assets and offer loans. The financial services sector has undergone countless transformations, most recently with the advent of online and mobile access for customers. But throughout, one thing has remained constant: customer loyalty has been seen as incidental, an added extra that s not been a top priority. However, with financial services providers under increasing pressure from new competitors, greater consumerisation and increased regulation post the global crash of , loyalty should now be higher up the agenda. In the UK for example, the FCA is putting extra pressure on providers to promote ease of switching whereas in Asia, McKinsey&Company state in their Customer first: New Expectations for Asia s retail banks report that Asian customers are shopping around and splitting their wallets more than ever before. Your customers expect you to treat them with the reverence their money deserves it s what future retention and acquisition depends upon. Just look at how many customers Spanish financial services provider Santander has acquired in the UK through their innovative 123 account which makes customer rewards a primary focus. Despite this change in behaviour, some financial services providers still perceive their loyalty programmes as separate from their overall brand offer, when in fact, loyalty and rewards should be the cornerstone of their customer relationships. To go one step further, the reward experience should be inherent to your brand; one that truly resonates with your overall brand values and customer experience strategy. CONTENTS Introduction 2 Great customer expectations 3 Whats driving a more joined up experience? Building on the banking recovery 4 Cashing in on technology 5 Helping you to join the customer experience dots 7 GREAT CUSTOMER EXPECTATIONS 2
3 Great customer expectations Globally there are many factors that can impact upon your relationship and experiences with financial services providers, but heightened customer expectations and access to information through the increased adoption of digital devices is a common thread. Consumers are increasingly knowledgeable in their financial decisions and what businesses should deliver back in terms of loyalty. Your customers are continually assessing the value the What s in it for me? factor. In short, your loyalty programme needs to outpace their expectations. This is often easier said than done of course, especially when profitability and return on investment (ROI) are high on the agenda. But remember: a mind-set driven purely by short-term profitability will likely reduce differentiation and perceived value. And this, in turn, opens up the risk of customer relationships slipping out of your hands, and into the hands of competitors. With new entrants from non-banking industries now appearing on the global financial services map - who offer more integrated customer journeys complete with greater digital offerings the pressure is really on for financial services providers to get loyalty programmes right. MORE BRANDS MORE CHOICE MORE REWARD EASY TO USE GREAT CUSTOMER EXPECTATIONS 3
4 Whats driving a more joined up experience? Before you can fully synchronise your loyalty programme with your brand experience, it s worth understanding the catalysts behind the drive for integration. Building on the banking recovery Following the financial crisis of , there has been vast regulatory change in the financial services industry, across all corners of the globe. Subsequently, revenues have taken a hit as banks have focused on cultural and structural change to deal with these challenges. The pressure is now mounting for the sector to make a push for growth and customer experience should be at the fore. Even in Asia where the crisis was considered to have much less of a negative impact, Mckinsey&Company reported in their same report ( Customer first: New Expectations for Asia s retail banks ) a much more sceptical borrower. The 2014 World Retail Banking Report produced by Capgemini and Efma puts further spotlight on the requirement of financial services brands to think about loyalty programmes as part of their overall brand proposition. Their 2014 global Customer Experience Index shows an overall decline in positive customer experience in comparison with 2013 this was the case in every region with the exception of Latin America. This is a significant finding based on the fact they also report customers who have positive experiences are three times more likely to stay with their bank than those who have negative experiences. Similarly, customers with positive experiences are also three to five times more likely to refer others and purchase additional products. So, are established banks nimble enough to connect with consumers in this volatile environment? To attract and retain these new customers, a more tailored and integrated offer is key. GREAT CUSTOMER EXPECTATIONS 4
5 Cashing in on technology Technology is transforming the way we interact with banks. In fact, customers no longer need to enter a physical bank to get everything they need from you. Online and telephone banking is now the norm, with social media providing a constant stream of two-way communication. Of the 17,000 respondents interviewed in The 2014 World Retail Banking Report by Capgemini and Efma, 89% of respondents said they have a social media account. Nearly one third of banks (32%) say they offer collaborative functionality on their sites and 51% said they plan to do so. It s undoubtedly a huge opportunity. Keeping this in mind, it makes no sense that reward programmes are still viewed as a bolt-on to the banking experience. A truly seamless customer experience shouldn t end with a transaction. In fact, the time between a customers great experience and their next interaction for example, after a successful mortgage application is a prime opportunity to extend the conversation and build on initial goodwill. Perhaps more brands should follow the example of DenizBank in Turkey, who became the first to open what they term a Facebook branch allowing customers to access their account, switch money and apply for credit cards and other financial products. An innovative and bold step in the face of two popular financial services concerns regarding social media - privacy and technological integration. GREAT CUSTOMER EXPECTATIONS 5
6 With timely interaction so critical to customer engagement, the power of mobile simply cannot be overlooked. Mobile is now an organic extension of banking. As consumers increasingly use smartphones for financial transactions (over half of smartphone users do so according to Board of Governors of the Federal Reserve System), it s important that reward programmes form part of this seamless mobile experience retaining loyalty by tapping into the anytime, anywhere nature of mobile. In fact, it s a logical step, as our own research below shows us that in all regions across the globe, online redemption of accrued points and miles is the majority preference for reward programme members. Online accessibility should definitely be at the front of loyalty marketers and programme managers thinking. How do you prefer to redeem your accrued points/miles? (weighted scores by preference) Online Telephone Instore UK North America Europe APAC Middle East & Africa *Priority Pass (A Collinson Group Company) research, July 2013 You need to be where your customers are, and give them what they want. Use technology to create an intuitive seamless customer experience, one that you d expect to experience from a leading retail or travel brand. GREAT CUSTOMER EXPECTATIONS 6
7 Helping you to join the customer experience dots We ve put together four key pointers for you to consider when reviewing how connected your reward programme is with your overall brand experience. And for those providers who don t already have a loyalty programme in place you may actually be at an advantage. With no technological or cultural legacy issues to resist a change of direction your programme can be created in the here and now, with the customer and experience at the core An investment for the future Your reward programme was created for a reason. Give it the time and attention it deserves and resist short term profitability in favour of long term ROI. Be more accessible Customers are demanding greater accessibility to their financial service products and services. But can they say the same for your reward programme? Think always on, real-time and social. It s a global, local world Whilst there are similarities in behaviours and trends across the globe every region will have differing levels of adoption so tailor your programme accordingly. Continuous improvement No matter how good your programme is today somebody will surpass it tomorrow. Ensure that you build in regular competitor and member audits to ensure you stay relevant and attractive to your members. GREAT CUSTOMER EXPECTATIONS 7
8 This article was brought to you by Collinson Latitude. We are part of The Collinson Group. The Collinson Group help brands across the world manage their customers more effectively. We started out over 20 years ago offering travel enhancements and insurance. We re now a leading provider of customer management, focussed on delivering acquisition, optimisation and retention through people, products and services. The aim of every business within The Collinson Group is to support, delight and reward our customers. All rights reserved. No part of this publication may be reproduced or transmitted in any form or by any manner, electronic or mechanical, including photocopy, recording or any information storage and retrieval system, without prior permission in writing from the publisher. Copyright Collinson Latitude Ltd
Taking Account. The consumer perspective on loyalty programmes in financial services A COLLINSON GROUP COMPANY
Taking Account The consumer perspective on loyalty programmes in financial services A COLLINSON GROUP COMPANY 54% The majority of people (54%) still use two or fewer providers for all their financial needs
More informationA more profitable direction
A more profitable direction nowhere rewards How to change direction and find the road to reward A more profitable direction Your reward program could be harming your profits, and your relationship with
More informationReward programmes in a digital age
Reward programmes in a digital age Think SoLoMo It s a digital world It s no surprise to see that businesses who have remodelled to embrace the digital revolution have flourished in the past 5-10 years.
More informationHow retail banks can accelerate value in reward programs
How retail banks can accelerate value in reward programs Driving your customers towards their Golden Moment The problem with reward programs No rewards program, however well-researched, well-funded and
More informationCUSTOMER ENGAGEMENT BUILDING PERSONAL CONNECTIONS WITH YOUR CUSTOMERS
CUSTOMER ENGAGEMENT BUILDING PERSONAL CONNECTIONS WITH YOUR CUSTOMERS 1 Customer Engagement CUSTOMER ENGAGEMENT The rise of social networking, mobile technology and e-commerce gave brands and retailers
More informationBanking on Business Intelligence (BI)
Banking on Business Intelligence (BI) Building a business case for the Kenyan Banking Sector The new banking environment in Kenya is all about differentiating banking products, increased choices, security
More informationBANKING ON WILL BIG DATA TRANSFORM THE CUSTOMER EXPERIENCE? A Retail Banking perspective
BANKING ON WILL BIG DATA TRANSFORM THE CUSTOMER EXPERIENCE? A Retail Banking perspective Big data provides an opportunity to deliver exceptional customer experiences and competitive advantage in an industry
More informationThe Strategic Accountant: A Case for the Cloud
The Strategic Accountant: A Case for the Cloud Contents Executive Summary 3 Executive Summary 5 A Strategic Shift 7 From the Accountant s Perspective Ainsworth & Co 9 Your Opportunity 11 From the Client
More informationApple Pay and loyalty
Author: Peter Ballard December: 2015 Foolproof 2015 London Norwich Singapore Apple Pay s adoption Early signs from both the US and UK indicate that Apple Pay s adoption has been lacklustre. However, Foolproof
More informationThe New Customer Experience Manifesto. How to Create a Customer Experience Board
The New Customer Experience Manifesto How to Create a Customer Experience Board How to Create a Customer Experience Board If you agree delivering superior customer experience is vital to your business,
More informationHow To Make Money From Your Desktop Virtualisation
Shaping the future of end user services Desktop Virtualisation Seize opportunities before others see them Remember the not-too-distant past?» Traditional thin client systems struggled to gain wide acceptance,
More informationNOUS CREATING POSITIVE CUSTOMER EXPERIENCE IN BANKING INFOSYSTEMS LEVERAGING INTELLECT
NOUS INFOSYSTEMS LEVERAGING INTELLECT CREATING POSITIVE CUSTOMER EXPERIENCE IN BANKING Abstract Understanding the customer experience is the key in today s highly competitive and changing banking industry.
More informationWhite Paper Service Excellence: Transforming the Customer Experience
White Paper Service Excellence: Transforming the Customer Experience Telephone: +44 (0)20 7960 4197 Email: info@makepositive.com makepositive.com Are we really getting the most from technology? Hello from
More informationIT Enterprise Services. Capita Collaboration Suite Unified Communications in the Cloud
IT Enterprise Services Capita Collaboration Suite Unified Communications in the Cloud Empower your people to engage and innovate Ready to transform the way you work? Imagine your enterprise truly connected;
More informationA CHASE PAYMENTECH WHITEPAPER. Building customer loyalty in a multi-channel world Creating an optimised approach for e-tailers
A CHASE PAYMENTECH WHITEPAPER Building customer loyalty in a multi-channel world Creating an optimised approach for e-tailers Table Of Contents Changing shopping habits... 3 The multi-channel journey...
More informationCustomer loyalty is hard to come by: Technology is the answer
Customer loyalty is hard to come by: Technology is the answer CARD LINKED MARKETING Gone are the days when a customer would stay with the same bank for 20+ years, taking out mortgages, loans and making
More informationOmnichannel Payments
Omnichannel Payments The Connected Consumer The way consumers buy goods and services is changing profoundly We now exist in a truly global, connected and digital world. A world of choice that lets us purchase
More informationRetailSuite. The world s leading retail banking solution.
The world s leading retail banking solution. We are set up now such that our sales agents have the capability and the discretion, within controllable limits, to set the terms and conditions of our products
More informationSolution Overview Channel Management in Utilities
Utilities Sector Solution Overview Channel Management in Utilities Better Results Market Influences and Challenges The utilties industry has faced dramatic change and numerous challenges in recent years
More informationExploiting the Single Customer View to Maximise the Value of Customer Relationships
Exploiting the Single Customer View to Maximise the Value of Customer Relationships An Experian briefing paper focusing on consumer financial services Contents Executive summary... pg 2 Introduction...
More informationVisa Consulting and Analytics
Visa Consulting and Analytics Issuer Acquirer Retailer Analytics and Information services: Issuer menu Issuers - Visa data driven insights We are in a unique position to inform our clients about performance
More informationAccenture 2013 Global Consumer Pulse Survey. Global & U.S. Key Findings
Accenture Global Consumer Pulse Survey Global & U.S. Key Findings Contents Executive Summary Overview of the Switching Economy Key Findings Methodology and Survey Sample Copyright Accenture All rights
More information2016 OUTLOOK: GLOBAL PAYMENTS
December 2015 2016 OUTLOOK: GLOBAL PAYMENTS Disruption across the industry a global theme Around the world, new entrants (including start-ups and nontraditional players) are entering the payments industry.
More informationREWARD-IT LITE. EASY SET-UP and OPERATION
REWARD-IT LITE Reward-it gives you the power to create your own brand and stand out from the crowd. The system is flexible enough for you to tailor your loyalty scheme to get the most out of your customers
More informationMILLENNIALS EXPECTATIONS VS RETAILERS PRIORITIES BRIDGING THE OMNI-CHANNEL REALITY GAP TO DRIVE GROWTH A CHASE PAYMENTECH BLUEPRINT
MILLENNIALS EXPECTATIONS VS RETAILERS PRIORITIES BRIDGING THE OMNI-CHANNEL REALITY GAP TO DRIVE GROWTH A CHASE PAYMENTECH BLUEPRINT AT A GLANCE 2015 is the Year of the socalled Millennial (18-34 year olds)
More informationPower pricing in business current accounts:
Financial Services Banking Power pricing in business current accounts: Tomorrow s innovative model starts today Horatiu Kraus, Ben Snowman, Jens Baumgarten, Georg Wuebker 1 Introduction The UK business
More informationRetail Banking: Innovation distinguishes between the leaders and the followers GRANT THORNTON FINANCIAL SERVICES GROUP SEPTEMBER 2013
Retail Banking: Innovation distinguishes between the leaders and the followers GRANT THORNTON FINANCIAL SERVICES GROUP SEPTEMBER 2013 10-30% of customers make up 90% of profits 1 New entrants Customers
More informationto getting started with individual-level online data
BEST PRACTICES 5 top tips Celebrus Technologies Ltd, formerly know as Speed-Trap to getting started with individual-level online data p1 Introduction Engaging customers in a meaningful dialogue which ultimately
More informationCelebrus for Telecommunications: Deepening customer intelligence with individual-level digital data
SECTOR SOLUTIONS Celebrus for Telecommunications: Deepening customer intelligence with individual-level digital data p1 Introduction Today s Telecommunications sector is highly dynamic. Firstly the very
More informationRBTE: Big themes from Europe s biggest Retail show
RBTE: Big themes from Europe s biggest Retail show The Pierhouse team joined thousands of visitors, retailers and exhibitors at the Retail Business Technology Expo in London to discuss the challenges and
More informationThe Official Guide. Choosing your Point of Sale
The Official Guide Choosing your Point of Sale Why do you need a Point of Sale (POS)? Owning a business is not easy. Business owners rely on efficient tools to help run every aspect of their business,
More informationGlobal Transaction Banking Survey 2012
Global Transaction Banking Survey 2012 Global Transaction Banking Survey 2012 A report from About this survey Executive summary This is the third survey Misys has conducted with Finextra evaluating the
More informationHow to Measure a Loyalty Programme s Return on Investment. Managing information and transactions securely
How to Measure a Loyalty Programme s Return on Investment Managing information and transactions securely Introduction Successful programmes have longevity because the overall benefits clearly justify the
More informationRunning a successful golf club
Running a successful golf club Issue 1 Membership and Customer Relationship Management (CRM): Why profiling is key to retention An ebook by NFS Technology Group www.nfs- hospitality.com How to run a successful
More informationMobile- The shop in your pocket. White Paper. Multi-Channel Marketing. Published by Velti - The leading global technology provider of mobile marketing
White Paper SEPTEMBER 2012 The UK Opportunity for Total Mobile Multi-Channel Marketing for Retailers Mobile- The shop in your pocket Published by Velti - The leading global technology provider of mobile
More informationCustomer Experience and Customer Loyalty (CLIX) The retail banks response
Customer Experience and Customer Loyalty (CLIX) The retail banks response CLIX Performance: Positive Over the past two years Grant Thornton s Insight and Peer Analysis practice, in collaboration with InsightNow,
More informationFinancial Services / Customer Loyalty FOR LOVE OR MONEY? HOW TO WIN THE BATTLE FOR CUSTOMERS
Financial Services / Customer Loyalty FOR LOVE OR MONEY? HOW TO WIN THE BATTLE FOR CUSTOMERS CONTENT Introduction 4 Opportunities to grow and sustain customer loyalty 5 Opportunity 1: customers are going
More informationHRCS. Round 7. Creating HR Value from the Outside-In. +1.801.616.5600 rblmail@rbl.net www.hrcs.rbl.net
HRCS Round 7 Creating HR Value from the Outside-In +1.801.616.5600 rblmail@rbl.net www.hrcs.rbl.net HRCS Round 7 We are delighted to present the results of the 7th round of the HR Competency Study (HRCS).
More informationcgi.com/retail 1 Omni-Commerce: Today s Imperative for Retail Success
cgi.com/retail 1 Omni-Commerce: Today s Imperative for Retail Success 2 cgi.com/retail The retail industry is expected to evolve more over the next 10 years than it has in the last 50 years. E-commerce,
More informationGlobal Trends in Life Insurance 2012: Claims Processing and Payout
What you need to know INSURANCE Global Trends in Life Insurance 2012: Claims Processing and Payout Key trends and their implications for the life insurance industry Table of Contents 1. Highlights 3 2.
More informationWinning in a challenging market
IRESS Case Study Winning in a challenging market IRESS solutions for enterprise MSO is transforming the way we manage new mortgage applications, enabling us to provide a slicker service for intermediaries
More informationTransforming the Way to Market, Sell and Service
Customer Relationship Management (CRM) Transforming the Way to Market, Sell and Service Agenda I. CRM definition and overview II. Getting started with CRM Initiatives 2 1 What is CRM? Customer Relationship
More informationTHE DAWN OF THE PLANET OF THE APPS A NEW AGE FOR BRICK AND MORTAR RETAILERS
THE DAWN OF THE PLANET OF THE APPS A NEW AGE FOR BRICK AND MORTAR RETAILERS BRICKS AND MORTAR RETAILERS AROUND THE WORLD ARE USING MOBILE APPS TO HELP LEVEL THE PLAYING FIELD WITH ONLINE BEHEMOTHS LIKE
More informationDigital Strategy. Digital Strategy. 2015 CGI IT UK Ltd. Digital Innovation. Enablement Services
Digital Strategy Digital Strategy Digital Innovation Enablement Services 2015 CGI IT UK Ltd. Contents Digital strategy overview Business drivers Anatomy of a solution Digital strategy in practice Delivery
More informationMobile Consumers. & You. How to use mobile to your advantage. tradedoubler.com
Mobile Consumers & You How to use mobile to your advantage Driving value from the mobile consumer In the age of the smartphone, brands and retailers cannot succeed without persuading mobile researchers
More informationCoca-Cola Case Analyses. <Student Name> <Name and Section # of course> <Instructor Name> <Date>
Running Head: COCA-COLA CASE Coca-Cola Case Analyses Coca-Cola Case 2 Coca-Cola Case Analyses This paper is about the company Coca-Cola
More informationCustomer centric transformation for next generation customer service CUSTOMER CENTRICITY
Social Mobile Data CUSTOMER CENTRICITY Cyber security Cloud Customer centric transformation for next generation customer service Solutions and services for improving customer focus and satisfaction across
More informationThe Mobile Consumer. Insights on Global Trends Impacting Mobile Momentum and Customer Engagement
The Mobile Consumer Insights on Global Trends Impacting Mobile Momentum and Customer Engagement Table of Contents 4 Introduction 5 Devices, Appetite and Use 8 Maturity, Lifestyle and Work 11 Preferences
More informationPersonal and Commercial Client Group Canada
Management s Discussion and Analysis Personal and Commercial Client Group Canada Robert W. Pearce President and Chief Executive Officer, Personal and Commercial Client Group Canada Group Description Personal
More information> Cognizant Analytics for Banking & Financial Services Firms
> Cognizant for Banking & Financial Services Firms Actionable insights help banks and financial services firms in digital transformation Challenges facing the industry Economic turmoil, demanding customers,
More informationExperian Cross Channel Marketing Platform. Managing campaigns and reaching consumers in real time
Experian Cross Channel Marketing Platform Managing campaigns and reaching consumers in real time The relationship between brands and customers has fundamentally changed. Whereas once there was equilibrium
More informationExceptional Customer Experience AND Credit Risk Management: How to Achieve Both
Exceptional Customer Experience AND Credit Risk Management: How to Achieve Both Lynn Brunner Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions,
More informationLaw Firms in Transition: Marketing, Business Development and the Quest for Growth
Law Firms in Transition: Marketing, Business Development and the Quest for Growth A survey of over 100 legal marketers and business development professionals Law Firms in Transition: Marketing, Business
More informationGuide Boosting sales through online marketing
Guide Boosting sales through online marketing Boosting sales through online marketing E-commerce has never been more important for UK business. Online sales now account for 10% of all retail spending in
More informationFive steps to improving the customer service experience
Five steps to improving the customer service experience Metrics, tips, and tools for utilizing customer feedback An Ovum White Paper Sponsored by Publication Date: January 2012 INTRODUCTION As the use
More informationCustomer Experience Management
Customer Experience Management Best Practices for Voice of the Customer (VoC) Programmes Jörg Höhner Senior Vice President Global Head of Automotive SPA Future Thinking The Evolution of Customer Satisfaction
More informationRewarding Your Members
Rewarding Your Members Reinvent Your Credit Union s Rewards Program By Matt Flynn, TMG Director of Client Relations, and Sara Petty, TMG Vice President of Strategic Initiatives Increased competition in
More informationThe Connected Consumer Survey 2015: pay-tv and OTT video services
Research Report The Connected Consumer Survey 2015: pay-tv and OTT video services May 2015 Patrick Rusby and Martin Scott 2 About this report This report focuses on aspects of Analysys Mason s annual Connected
More informationSTUDY. Rethinking Retail. Insights from consumers and retailers into an omni-channel shopping experience
STUDY Rethinking Retail Insights from consumers and retailers into an omni-channel shopping experience The growth and maturity of digital channels have steadily increased the expectations of the consumers,
More informationLOCATION PLANNING FOR FINANCIAL SERVICES. Optimising performance from your branch estate in a multichannel market
LOCATION PLANNING FOR FINANCIAL SERVICES Optimising performance from your branch estate in a multichannel market 1 2 Introducing CACI CACI provides customer management and branch strategy solutions for
More informationChanging the game: The new face of customer experience
Changing the game: The new face of customer experience Why should you care? I m so close to dropping my bank, because they keep having promos to get new clients, but what are they doing to keep me happy?
More informationBusiness Protection. Why choose us for your business protection clients. Retirement Investments Insurance Health
For adviser use only. Not approved for use with customers. Business Protection Why choose us for your business protection clients Retirement Investments Insurance Health Why choose us for your business
More informationANALYTICS: SHAPING THE RIGHT CUSTOMER EXPERIENCE
EMV Technology: Deploying Soon in the U.S. ANALYTICS: SHAPING THE RIGHT CUSTOMER EXPERIENCE 2010 Mercator Advisory Group, Inc. Clock Tower Place, Suite 420 Maynard, MA 01754 phone: 1(781) 419-1700 e-mail:
More informationGetting the most from customer data a key asset for franchising growth
Getting the most from customer data a key asset for franchising growth December 2013 1 Getting the most from customer data a key asset for franchising growth Introduction Increasingly in the future, when
More informationHow To Reinvent The Store Shelf Edge
IN Rethinking Retail Series: Reinventing the store shelf edge in the age of omni-channel shopping STORE E SL Product $4.99 Reinventing the store shelf edge in the age of omni-channel shopping The meteoric
More informationHow To Be An Integrated Omnichannel Retailer
OMNICHANNEL RETAILING: FROM VISION TO REALITY Exploring how to meet the critical need for bringing superior anytime, anywhere shopping journeys to life For more information visit ncr.com or contact us
More informationLoyalty Programs. By Inez Blackburn (905) 712-2203 inez@blackburn.net
Loyalty Programs By Inez Blackburn (905) 712-2203 inez@blackburn.net A Bit about Loyalty Programs Loyalty programs are often used as a weapon to escalate the war in securing new customers and keeping the
More informationA Future Without Secrets. A NetPay Whitepaper. www.netpay.co.uk www.netpay.ie. more for your money
A Future Without Secrets A NetPay Whitepaper A Future Without Secrets The new business buzz word is Big Data - everyone who is anyone in business is talking about it, but is this terminology just another
More informationr e y n o l d s a n d r e y n o l d s Delivering the Vehicle and an Improved Customer Experience Jon Strawsburg Vice President, Product Planning
and an Improved Customer Experience Jon Strawsburg Vice President, Product Planning Ideally, the entire experience of car shopping from search, to research, to peer polling, to test drive, to purchase
More informationDriving greater loyalty in Europe. What consumers want and where brands are failing to deliver
Driving greater loyalty in Europe What consumers want and where brands are failing to deliver Research commissioned with consumers in France, Germany and Switzerland Executive summary Fast-changing technology,
More informationBalance collections with retention for each customer. Decision Analytics for debt management in retail banking
Balance collections with retention for each customer Decision Analytics for debt management in retail banking Debt management for retail banking In the highly competitive retail banking environment, banks
More informationSocial media has changed the world as we know it by connecting people, ideas and products across the globe.
Social Media for Retailers: Six Social Media Marketing Tips to Drive Online Sales.................................................................. 2 Social media has changed the world as we know it by
More informationCustomer Service Best Practices Survey Results
Customer Service Best Practices Survey Results Executive Summary During difficult economic times, most organizations shift their focus from acquiring new customers to retaining and growing existing customer
More informationASIA S CUSTOMER EXPERIENCE MANAGEMENT LANDSCAPE 2015
Asia s Customer Experience Management Landscape 2015 1 ASIA S CUSTOMER EXPERIENCE MANAGEMENT LANDSCAPE 2015 Companies across Asia are waking up to the importance of providing consistent customer experiences,
More informationImprove business agility with WebSphere Message Broker
Improve business agility with Message Broker Enhance flexibility and connectivity while controlling costs and increasing customer satisfaction Highlights Leverage business insight by dynamically enriching
More informationUnderstanding Financial Consumers in the Digital Era. A Survey and Perspective on Emerging Financial Consumer Trends
Understanding Financial Consumers in the Digital Era A Survey and Perspective on Emerging Financial Consumer Trends cgi.com 2 1.0 Executive summary 3 2.0 Findings and analysis 4 2.1 Top financial consumer
More informationInnovations in Outsourcing MOT your contact centre
I nt ro d uct ion t o a Ca l l Cent re Innovations in Outsourcing MOT your contact centre RXPerience 2009 Innovations in Outsourcing Outsourcing continues to be a hot topic of the call centre industry
More informationTomorrow s World. Understand the next generation of retail banking. April 2014. Introduction
April 2014 Understand the next generation of retail banking April 2014 Introduction Procter/Imparta gathered together 8 of the most senior bankers in UK retail financial services at to talk about the state
More informationSelect Account. The essential guide to your new account
Select Account The essential guide to your new account 2 Welcome to your Select Account Your new account gives you the convenience of being able to withdraw money from any cash machine in the UK, as well
More informationCSCU s payments solutions are tailored to what matters serving your members. Essential for Building (and Retaining) Member. A Research Brief by:
CSCU s payments solutions are tailored to what matters serving your members. Rewards Programs Are Essential for Building (and Retaining) Member Loyalty A Research Brief by: Rewards Programs Are Essential
More informationThe Role of Mobile in Retail Commerce. June 2013
The Role of Mobile in Retail Commerce June 2013 Page 1 Overview Since June 2010, edigitalresearch and Portaltech Reply have been tracking the growth and development of smartphone devices in mobile and
More informationSTART YOUR OWN WASTE MANAGEMENT CONSULTANCY
START YOUR OWN WASTE MANAGEMENT CONSULTANCY FRANCHISE Environmental Champions ACM Environmental PLC is established as one of the UK s leading waste management and environmental consultancies. It provides
More informationThe customer experience: have customers been forgotten?
The customer experience: have customers been forgotten? In the current economic climate, keeping customers happy ought to be at the top of every company s agenda. But many managers are simply too bogged
More informationThe State Of Mobile Apps For Retailers
A Forrester Consulting Thought Leadership Paper Commissioned By RetailMeNot August 2015 The State Of Mobile Apps For Retailers Table Of Contents Executive Summary... 1 Smartphones Are Quickly Becoming
More informationE-retailing Project. E-retailing - An Exciting Opportunity for the Logistics Sector
E-retailing Project E-retailing - An Exciting Opportunity for the Logistics Sector May 2012 Goodman E retailing Research Report About Transport Intelligence Headquartered in the UK, Ti is one of the world
More informationMicrosoft Dynamics CRM for Financial Services. Making customers the heart of your business.
Microsoft Dynamics CRM for Financial Services Making customers the heart of your business. In today s competitive financial services market the focus is the customer making sure the customer is at the
More informationEMPLOYING BUSINESS ANALYTICS TO ACHIEVE BETTER SALES RESULTS FOR YOUR LEGAL FIRM
EMPLOYING BUSINESS ANALYTICS TO ACHIEVE BETTER SALES RESULTS FOR YOUR LEGAL FIRM David Ricketts and Carrie Morgan 2015 C24 Ltd INTRODUCTION Business generation and customer acquisition is changing within
More informationOracle Retail Customer Engagement Cloud Services
OR A C L E D A T A S H E E T Oracle Retail Customer Engagement Cloud Services Oracle Retail Customer Engagement Cloud Services is a suite of integrated cloud services designed to drive incremental revenue
More informationDecember 2014. Reshaping the retail banking experience for the customer of tomorrow
December 2014 Reshaping the retail banking experience for the customer of tomorrow Changing customer expectations Customer experience defined as the end-to-end interaction of a customer with a company
More informationInterview: Professor Adrian Payne. Handbook of CRM: Achieving Excellence in Customer Management.
Interview: Handbook of CRM: Achieving Excellence in Customer Management. Hello, this is Steve Macaulay from Cranfield School of Management. I am here today to discuss with his book Handbook of CRM: Achieving
More informationSmartphones: Leading Wealth Management to Mobility
Universal Banking Solution System Integration Consulting Business Process Outsourcing Of the different types of mobile phones owned by 5.3 billion subscribers around the globe, smartphones grew the fastest
More informationTHE NEXT NORMAL Five reasons why e-invoicing is fast becoming business as usual
WHITE PAPER THE NEXT NORMAL Five reasons why e-invoicing is fast becoming business as usual October 2014 TABLE OF CONTENTS 1. E-INVOICING AND TODAY S BUSINESS NORMS 2. WHERE WE ARE TODAY 3. HOW WE GOT
More informationCreating the customer experience
Creating the customer experience INSIGHT. EXECUTION. ADVANTAGE. Customer experience outsourcing that transforms business performance 3 Your customer management future 5 The Webhelp difference 8 Services
More informationThe History & Future of Unified Communications Introducing Unified Communications
The History & Future of Unified Communications Introducing Unified Communications The worker of the future is virtual. Far from wanting a 100% telecommuting, work from home experience, this new breed of
More informationCEM+ Snapshot. Introduction
Defining Your Customer Experience JOURNEY Many organisations seek to differentiate through customer experience, yet few have a systematic process for doing so. Different executives have different ideas
More informationNEWCASTLE BUILDING SOCIETY ANNOUNCES FINANCIAL RESULTS FOR THE YEAR ENDED 31 DECEMBER 2013
Stock Exchange Announcement Strictly embargoed until 9.00 a.m. Tuesday 25 th February 2014 NEWCASTLE BUILDING SOCIETY ANNOUNCES FINANCIAL RESULTS FOR THE YEAR ENDED 31 DECEMBER 2013 Newcastle Building
More informationCard Solutions. More than a system. An entire solution.
More than a system. An entire solution. There are plenty of companies that will offer to improve your card processing by selling you clever software. We re one of them and with our Base2000 application,
More information2015 Content Marketing Survey by Zeentree.com 2015 CONTENT MARKETING SURVEY
2015 CONTENT MARKETING SURVEY Page 1 The results are in and revealed for the Middle East Content Marketing Survey 2015. Content marketing has been responsible for much of the marketing buzz for at least
More information