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[   Customer Experience
Your connection with the customer

    Pascal Spelier, 8 oktober 2012   ]
Customer Experience
WOW your customer!
Customer Experience is the result
        of all interactions between an
        organization and a customer.
 It is a blend of an organizations physical
 performance, the senses stimulated and
emotions evoked, each intuitively measured
 against customer expectations across all
               contact moments.
Maar hoe meet je
Customer Experience?
•  Current, Depository
   Accounts & Payments                   •  Information Gathering /
•  Creditcards                              Decisioning
•  Loans                                 •  Transacting
•  Mortgages                             •  Problem Resolution
                                         •  Account Status & History




                         •    Branch
                         •    Internet
                         •    Mobile
                         •    Phone
                         •    ATM
Voorbeeld
 Hoe belangrijk vind je ten aanzien van je
rekening courant de informatie op internet
    met betrekking tot de ‘features’ en
 voordelen, de prijs en de voorwaarden?
En hoe tevreden ben je over die informatie
               op internet?
80 touchpoints

35 landen

18.000 klanten

500 Nederlandse klanten
CEI (On a Scale of 100)




                                   20#
                                          40#
                                                  60#
                                                                 80#




                       0#
                                                                                    100#
                                                                    77,7#
               Canada#                                                  79,3#
                                                                    78,0#
                    US#                                                 79,0#
                                                                    77,0#
                 India#                                            77,0#
                                                                   76,2#
             Australia#                                            76,5#
                                                                  73,9#
              Norway#                                              76,2#
                                                                  74,5#
                   UK#                                            75,2#
                                                                 73,3#
        Czech#Republic#                                           74,7#
                            n/a#
          South#Africa#                                           74,9#
                                                                                           Worldwide
                                                                  74,2#
             Germany#                                             74,6#
                                                                 73,1#
               Turkey#                                            74,6#
                            n/a#
           Philippines#                                           74,6#
                                                                   76,0#
           Switzerland#                                          73,7#
                                                                 72,2#
               Poland#                                           73,4#
                            n/a#
             ArgenOna#                                           72,7#
                                                                 73,5#
              Sweden#                                           72,3#
                                                                71,5#
               Mexico#                                          72,2#




2011#
                                                            69,1#
                Russia#                                         71,8#
                                                                  75,4#
               Austria#                                         71,9#
                            n/a#
              Portugal#                                         71,2#




2012#
                            n/a#
             Denmark#                                           71,2#
                            n/a#
              Vietnam#                                      70,2#
                                                                71,8#
              Belgium#                                      70,1#
                            n/a#
               Finland#                                     70,0#
                            n/a#
                  UAE#                                      69,7#
                                                           68,0#
          Netherlands#                                      69,5#
                                                                                           Customer Experience Index




                                                                71,3#
            Singapore#                                      69,5#
                                                            69,2#
               France#                                      69,5#
                                                            69,1#
                 Brazil#                                    69,4#
                                                           68,6#
                  Italy#                                   68,8#
                                                                70,5#
                 Spain#                                    68,5#
                                                            68,7#
                 China#                                    67,6#
                            n/a#
               Taiwan#                                    66,8#
                            n/a#
          Saudi#Arabia#                                   65,6#
                                                         65,4#
           Hong#Kong#                                    64,5#
                                                        62,2#
                Japan#                                  63,4#
                                                      72.2
                                                                          Global




                                                      72.1
                                                    (2011)

                                                     (2012)
                                                                          Average
Nederlandse klanten hebben
beperkte positieve experience
Kantoor en internet belangrijk voor
experience
Wat levert customer
experience op?                        Feit 3

                                     “Customer Experience
 Feit 1
                                     positively influences
 “Positive customer experiences      consumers’ willingness to
 generate loyalty. Loyal customers   repurchase, reluctance to
 not only buy more products over     switch, and likelihood to
 longer periods of time, they        recommend companies”
                                     Forrester Research, 2011
 become advocates of a firm and
 inspire other people to buy its
 products.”
                                      Feit 4
 Capgemini, 2012

 Feit 2                              “Companies who deploy
                                     Customer Experience
  “Companies who deploy Customer     programs show a 19.8%
  Experience programs show a         average year-over-year
  21.4% average year-over-year       increase in customer
  increase in customer lifetime      satisfaction, compared to
  value, compared to 2.7% increase   1.8% increase for industry
  for industry average, and 2.6%     average, and 5.5%
  decrease for laggards”             decrease for laggards”
  Aberdeen Group, 2011               Aberdeen Group, 2011
Customer Experience:
it’s about smooth processes and
value adding propositions
Break down the walls between
traditional departments


                                               Complex	
  processes	
  

     Marke;ng	
  
                                                    Online	
  channels	
  
                                                (e.g.	
  website,	
  social	
  media)	
  
                              Unaligned	
                                                    Confused	
     Frustra;ng	
  
  Sales	
  &	
  Service	
     processes	
                                                    customer	
     experience	
  
                                                    Offline	
  channels	
  
                                              (e.g.	
  branch,	
  customer	
  contact)	
  

     Opera;ons	
  
Simple

Consistent

Coherent
Stop be irrelevant
                                                 Unconvincing	
  proposi6ons	
  

     Marke;ng	
  
                                                           Online	
  channels	
  
                                                       (e.g.	
  website,	
  social	
  media)	
        Lack	
  of	
  
                              Inside-­‐out	
  
                                                                                                       value	
  
                                                                                                                       Indifferent	
  
  Sales	
  &	
  Service	
      ac6vi6es	
                                                                              experience	
  
                                                                                                    recogni6on	
  
                                                           Offline	
  channels	
  
                                                     (e.g.	
  branch,	
  customer	
  contact)	
  
     Opera;ons	
  
Relevant

Differentiated
Customer Experience
Transformation


                               Customer measurement   5


                                                          4   Customer Experience design
                     Customer journeys   3



                                                              2     Customer Experience strategy


  Customer insight     1
Seamless and consistent
Customer Experience
Customer life                                                                                                       Cancel /
                 Awareness       Orientate           Buy     Receive             Use              Service            Renew        Back to Discover
    cycle


                  x          x                                               x                x                                         Social media
  Customers
using multiple                      x                                                                                 x                         Website
  channels &
 touch points                                    x                                                                                               Branch

                                                             x                                                                                 At home

                                                                                                     x                          Customer Support*

                                                                                                                                        Mobile (new)

                                                                                                                               *Including phone, email,
     Desired                 Product Discovery                          Service Excellence                  Seamless Update
                                                                                                                                     chat, social media
    customer
    journeys


                                 x Touch point             Wow moment                  Channel switch                                    Illustrative only
= WOW-moment   = Touchpoint
Get the basics right and develop
 a differentiating experience
                                                                                                          Wow!

                                                   Ok, nice …                          Differentiating experience
                                                                                      Stand out from competition
                        ?!?                Consistent experience
                                                                              §  Consistent       §  Differentiated
                                            Get the basics right
                                                                              §  Intentional      §  Valuable
            Random experience   §  Consistent       §  Not differentiated
                                §  Intentional      §  Not valuable
§  Inconsistent
§  Unintentional
“
“
    Forget the point of sale or point of purchase, the
    point of life is where the action will be.

                                                            “
“
    And the point-of-life – not the meaning of life – is
    the point of where I’m living at that moment in time
    and being relevant to that point.



                                                 - Chris Skinner -
20121008 presentatie customer experience abn amro v1.0 clean

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20121008 presentatie customer experience abn amro v1.0 clean

  • 1. & [ Customer Experience Your connection with the customer Pascal Spelier, 8 oktober 2012 ]
  • 3.
  • 4.
  • 5.
  • 6.
  • 7. Customer Experience is the result of all interactions between an organization and a customer. It is a blend of an organizations physical performance, the senses stimulated and emotions evoked, each intuitively measured against customer expectations across all contact moments.
  • 8. Maar hoe meet je Customer Experience?
  • 9. •  Current, Depository Accounts & Payments •  Information Gathering / •  Creditcards Decisioning •  Loans •  Transacting •  Mortgages •  Problem Resolution •  Account Status & History •  Branch •  Internet •  Mobile •  Phone •  ATM
  • 10. Voorbeeld Hoe belangrijk vind je ten aanzien van je rekening courant de informatie op internet met betrekking tot de ‘features’ en voordelen, de prijs en de voorwaarden? En hoe tevreden ben je over die informatie op internet?
  • 11. 80 touchpoints 35 landen 18.000 klanten 500 Nederlandse klanten
  • 12. CEI (On a Scale of 100) 20# 40# 60# 80# 0# 100# 77,7# Canada# 79,3# 78,0# US# 79,0# 77,0# India# 77,0# 76,2# Australia# 76,5# 73,9# Norway# 76,2# 74,5# UK# 75,2# 73,3# Czech#Republic# 74,7# n/a# South#Africa# 74,9# Worldwide 74,2# Germany# 74,6# 73,1# Turkey# 74,6# n/a# Philippines# 74,6# 76,0# Switzerland# 73,7# 72,2# Poland# 73,4# n/a# ArgenOna# 72,7# 73,5# Sweden# 72,3# 71,5# Mexico# 72,2# 2011# 69,1# Russia# 71,8# 75,4# Austria# 71,9# n/a# Portugal# 71,2# 2012# n/a# Denmark# 71,2# n/a# Vietnam# 70,2# 71,8# Belgium# 70,1# n/a# Finland# 70,0# n/a# UAE# 69,7# 68,0# Netherlands# 69,5# Customer Experience Index 71,3# Singapore# 69,5# 69,2# France# 69,5# 69,1# Brazil# 69,4# 68,6# Italy# 68,8# 70,5# Spain# 68,5# 68,7# China# 67,6# n/a# Taiwan# 66,8# n/a# Saudi#Arabia# 65,6# 65,4# Hong#Kong# 64,5# 62,2# Japan# 63,4# 72.2 Global 72.1 (2011) (2012) Average
  • 13. Nederlandse klanten hebben beperkte positieve experience
  • 14. Kantoor en internet belangrijk voor experience
  • 15. Wat levert customer experience op? Feit 3 “Customer Experience Feit 1 positively influences “Positive customer experiences consumers’ willingness to generate loyalty. Loyal customers repurchase, reluctance to not only buy more products over switch, and likelihood to longer periods of time, they recommend companies” Forrester Research, 2011 become advocates of a firm and inspire other people to buy its products.” Feit 4 Capgemini, 2012 Feit 2 “Companies who deploy Customer Experience “Companies who deploy Customer programs show a 19.8% Experience programs show a average year-over-year 21.4% average year-over-year increase in customer increase in customer lifetime satisfaction, compared to value, compared to 2.7% increase 1.8% increase for industry for industry average, and 2.6% average, and 5.5% decrease for laggards” decrease for laggards” Aberdeen Group, 2011 Aberdeen Group, 2011
  • 16. Customer Experience: it’s about smooth processes and value adding propositions
  • 17. Break down the walls between traditional departments Complex  processes   Marke;ng   Online  channels   (e.g.  website,  social  media)   Unaligned   Confused   Frustra;ng   Sales  &  Service   processes   customer   experience   Offline  channels   (e.g.  branch,  customer  contact)   Opera;ons  
  • 19. Stop be irrelevant Unconvincing  proposi6ons   Marke;ng   Online  channels   (e.g.  website,  social  media)   Lack  of   Inside-­‐out   value   Indifferent   Sales  &  Service   ac6vi6es   experience   recogni6on   Offline  channels   (e.g.  branch,  customer  contact)   Opera;ons  
  • 21. Customer Experience Transformation Customer measurement 5 4 Customer Experience design Customer journeys 3 2 Customer Experience strategy Customer insight 1
  • 22. Seamless and consistent Customer Experience Customer life Cancel / Awareness Orientate Buy Receive Use Service Renew Back to Discover cycle x x x x Social media Customers using multiple x x Website channels & touch points x Branch x At home x Customer Support* Mobile (new) *Including phone, email, Desired Product Discovery Service Excellence Seamless Update chat, social media customer journeys x Touch point Wow moment Channel switch Illustrative only
  • 23. = WOW-moment = Touchpoint
  • 24. Get the basics right and develop a differentiating experience Wow! Ok, nice … Differentiating experience Stand out from competition ?!? Consistent experience §  Consistent §  Differentiated Get the basics right §  Intentional §  Valuable Random experience §  Consistent §  Not differentiated §  Intentional §  Not valuable §  Inconsistent §  Unintentional
  • 25. “ “ Forget the point of sale or point of purchase, the point of life is where the action will be. “ “ And the point-of-life – not the meaning of life – is the point of where I’m living at that moment in time and being relevant to that point. - Chris Skinner -