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Improving Customer Experience by
Focusing on Overlooked Touchpoints	
Irene Etzkorn, Executive Director, Simplification / September 12, 2012 	




          All rights reserved 2012.
Why are things so complicated?	

•  Companies speak to themselves	
•  Mergers and acquisitions create duplication	
•  The mystique of Systems and Legal	
•  Adherence to old processes; slow
   conversion to new technology	
•  Lack of expertise in plain language writing,
   information design and information architecture	
	

        All rights reserved 2012.
The stranglehold of legalese	

Using the word “not” three times and “included” twice in one
sentence creates a brain twister.	
	




        All rights reserved 2012.
Industries talking to themselves	




      All rights reserved 2012.
Simple stuff sells	




     All rights reserved 2012.
ING Direct	




      All rights reserved 2012.
“The busier life gets, the more value there is in
simplicity as a point of competitive differentiation.”
“It’s good for American society, not just good
business sense. Simplicity and clarity make us
more productive.”	
Arkadi Kuhlmann
Chairman, President and CEO of ING Direct USA	




          All rights reserved 2012.
“Philips is touching the core
of people through simplicity.”	
Andrea Ragnetti,
former Corporate Marketing Officer, Philips	




          All rights reserved 2012.
It’s the blend of art and science
that simplicity requires which
touches people viscerally.	




    All rights reserved 2012.
Unheralded touchpoints	

                                                    Bills	
   Disclosure	
                                   Applications	
                            Policies	



                 Proposals	
                                                          Correspon-
                                                                                        dence	



           Interfaces	
                                                                   Statements	



                                      Deeply Branded Customer Experience	

     All rights reserved 2012.
The elements of simplification	

                                          Brand        Information
                                          strategy	
   architecture	



                                   Plain         Simplified Information
                                   language	
   Experiences	
 design	



                                         Technology	
 Customization	



     All rights reserved 2012.
Pioneers in simplified customer experience	
1975	
         Citibank	
                                 Chubb	
      IBM	
                    Discover	
    AT&T	
               Cleveland Clinic	




                           IRS	




                                                                                                                                                  2012	
    Edward Jones	
                    Sony PSP	
    Genworth	
   Centers for Medicare Quest	
          American Express	
   United
                                                                 and Medicaid Services
                                                                                     	
                                     MileagePlus	




                      All rights reserved 2012.
Siegel+Gale’s SimplicityLab™	

A proprietary evaluation methodology
and index for measuring the effectiveness
of brand strategy and design based on our
core philosophy of simplicity.	


     All rights reserved 2012.
Allstate simplification blueprint	




    All rights reserved 2012.
Previous policyholder documents	




     All rights reserved 2012.
Redesigned policyholder documents	




     All rights reserved 2012.
Insurance Score—inconsistent explanation
across multiple channels (Before)	



      Call Center	
                                    Web	
                             Printed	
                                                                                      Communications	
“In evaluating insurance policies,        “Our model does not consider       “In fact, certain credit report
our method of considering all of          information such as income or      information has proved an effective
these factors together, as a whole,       net worth because we are not       predictor of insurance losses. It also
ensures that no single negative           assessing our customers’ credit-   allows insurance companies to keep
item will necessarily prevent a           worthiness.”	
                     costs competitive by making it
customer from qualifying for a            	
                                 possible for customers who are less
lower premium.”	
                                                            likely to experience losses to pay
	
                                                                           less for their insurance.”	

            All rights reserved 2012.
Insurance Score—clarifying a key concept across
multiple channels (After)	
Call Center	
                                 Web	
                                       Printed Communications	
“Allstate uses a number of factors to         How do we determine your rates?	
           How we determine your premium	
calculate insurance rates. The factors,       To determine your premium we would          In [State, Company] uses a secure computer program to pull information from
taken together, allow us to apply             consider such factors as:	
                 your credit history and produce an insurance score. Your insurance score is just
                                                                                          one component used in determining your auto tier. As the diagram show, Allstate
rates based on the likelihood that a          •  What type of car you drive: How old
                                                                                          considers your auto tier along with other information, such as [driving record/
loss may occur—similar to the way a              is it? What safety features does it      location of home/etc] to determine your premium group.	
health questionnaire helps a life                have?	
                                  	
insurance company predict losses and          •  Who drives the car: What is the age,     	
set rates. Over the years, we have               driving record and gender of each        	
learned that certain credit                      driver?	
                                	
information allows us to predict the          •  How you use the car: How far do you      	
likelihood of loss with great accuracy.          drive? Do you use the car to commute     	
It is this group of loss-related factors         or for pleasure? Where do you keep       	
                                                                                          	
that we consider from a credit report,           (garage) your car?	
                                                                                          Some of the items we consider in a typical customer’s credit history include the
not the credit score, nor a person’s          We also consider your insurance score,      number of credit accounts and the length of time you’ve maintained your credit
credit-worthiness.”	
                         a calculation based on elements from        accounts. We also consider your payment history and how often lenders have
                                              your credit history. Over the years we’ve   made inquiries into your credit report other than to make promotional offers.	
                                              found that including insurance scores       These specific aspects of an individual’s credit history have been shown
                                              helps us better predict the likelihood of   by research and experience to indicate the likelihood of experiencing an
                                              experiencing an insurance loss. This        insurance loss.	
                                              helps us match our rates to the risk
                                              we’re assuming.	
                All rights reserved 2012.
Documents that educate and inform, rather than
merely report data	




     All rights reserved 2012.
Trend	




Governmental influence

SEC rulings on simplified prospectuses
and disclosure of fees
	

          All rights reserved 2012.
1in10
taxpayers receives a notice
Heatmap indicating areas
of confusion: CP2000	
No confusion	
                        High confusion	




Source: Siegel+Gale SimplicityLab
Confusing 42-step, 10-page notice	
                                                  37	
   34	
    35	
           4	
                                                                                 8	
 31	
                                                                                            33	
                                                                        11	
                                                                          5	
         Start 	
          1 	
                           3	
                                                                          7	
                            36	
                                                                           18	
                          38	
 40	
                                        20	
 22	
 26	
 30	
                                           42	
                                 24	
 28	

   2	
                                            9	
                                                  10	
    23	
           32	
                                                                 27	
  6	
                                             12	
                   15	
                                                  14	
                                                  16	
                                                         25	
           13	
                                                  17	
           29	
                                                  19	
 39	
                                             21	

 41	

             All rights reserved 2012.
All rights reserved 2012.
Results: Respondents are more likely to pay	




31%	
37%	
Original	
Source: Siegel+Gale SimplicityLab	
                                                            Revised	
Difference is statistically significant at the 95% level of confidence	


            All rights reserved 2012.
What does simple mean?	

                                   +  simple is clear.	
                                   +  simple is fresh.	
                                   +  simple is honest.	
                                   +  simple is useful.	
                                   +  simple is inspiring.	

                                   +    simple is smart.	
     All rights reserved 2012.

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Best Practices in Improving Customer Experience by Focusing on Overlooked Touchpoints

  • 1. Improving Customer Experience by Focusing on Overlooked Touchpoints Irene Etzkorn, Executive Director, Simplification / September 12, 2012 All rights reserved 2012.
  • 2. Why are things so complicated? •  Companies speak to themselves •  Mergers and acquisitions create duplication •  The mystique of Systems and Legal •  Adherence to old processes; slow conversion to new technology •  Lack of expertise in plain language writing, information design and information architecture All rights reserved 2012.
  • 3. The stranglehold of legalese Using the word “not” three times and “included” twice in one sentence creates a brain twister. All rights reserved 2012.
  • 4. Industries talking to themselves All rights reserved 2012.
  • 5. Simple stuff sells All rights reserved 2012.
  • 6. ING Direct All rights reserved 2012.
  • 7. “The busier life gets, the more value there is in simplicity as a point of competitive differentiation.” “It’s good for American society, not just good business sense. Simplicity and clarity make us more productive.” Arkadi Kuhlmann Chairman, President and CEO of ING Direct USA All rights reserved 2012.
  • 8. “Philips is touching the core of people through simplicity.” Andrea Ragnetti, former Corporate Marketing Officer, Philips All rights reserved 2012.
  • 9. It’s the blend of art and science that simplicity requires which touches people viscerally. All rights reserved 2012.
  • 10. Unheralded touchpoints Bills Disclosure Applications Policies Proposals Correspon- dence Interfaces Statements Deeply Branded Customer Experience All rights reserved 2012.
  • 11. The elements of simplification Brand Information strategy architecture Plain Simplified Information language Experiences design Technology Customization All rights reserved 2012.
  • 12. Pioneers in simplified customer experience 1975 Citibank Chubb IBM Discover AT&T Cleveland Clinic IRS 2012 Edward Jones Sony PSP Genworth Centers for Medicare Quest American Express United and Medicaid Services MileagePlus All rights reserved 2012.
  • 13. Siegel+Gale’s SimplicityLab™ A proprietary evaluation methodology and index for measuring the effectiveness of brand strategy and design based on our core philosophy of simplicity. All rights reserved 2012.
  • 14. Allstate simplification blueprint All rights reserved 2012.
  • 15. Previous policyholder documents All rights reserved 2012.
  • 16. Redesigned policyholder documents All rights reserved 2012.
  • 17. Insurance Score—inconsistent explanation across multiple channels (Before) Call Center Web Printed Communications “In evaluating insurance policies, “Our model does not consider “In fact, certain credit report our method of considering all of information such as income or information has proved an effective these factors together, as a whole, net worth because we are not predictor of insurance losses. It also ensures that no single negative assessing our customers’ credit- allows insurance companies to keep item will necessarily prevent a worthiness.” costs competitive by making it customer from qualifying for a possible for customers who are less lower premium.” likely to experience losses to pay less for their insurance.” All rights reserved 2012.
  • 18. Insurance Score—clarifying a key concept across multiple channels (After) Call Center Web Printed Communications “Allstate uses a number of factors to How do we determine your rates? How we determine your premium calculate insurance rates. The factors, To determine your premium we would In [State, Company] uses a secure computer program to pull information from taken together, allow us to apply consider such factors as: your credit history and produce an insurance score. Your insurance score is just one component used in determining your auto tier. As the diagram show, Allstate rates based on the likelihood that a •  What type of car you drive: How old considers your auto tier along with other information, such as [driving record/ loss may occur—similar to the way a is it? What safety features does it location of home/etc] to determine your premium group. health questionnaire helps a life have? insurance company predict losses and •  Who drives the car: What is the age, set rates. Over the years, we have driving record and gender of each learned that certain credit driver? information allows us to predict the •  How you use the car: How far do you likelihood of loss with great accuracy. drive? Do you use the car to commute It is this group of loss-related factors or for pleasure? Where do you keep that we consider from a credit report, (garage) your car? Some of the items we consider in a typical customer’s credit history include the not the credit score, nor a person’s We also consider your insurance score, number of credit accounts and the length of time you’ve maintained your credit credit-worthiness.” a calculation based on elements from accounts. We also consider your payment history and how often lenders have your credit history. Over the years we’ve made inquiries into your credit report other than to make promotional offers. found that including insurance scores These specific aspects of an individual’s credit history have been shown helps us better predict the likelihood of by research and experience to indicate the likelihood of experiencing an experiencing an insurance loss. This insurance loss. helps us match our rates to the risk we’re assuming. All rights reserved 2012.
  • 19. Documents that educate and inform, rather than merely report data All rights reserved 2012.
  • 20. Trend Governmental influence SEC rulings on simplified prospectuses and disclosure of fees All rights reserved 2012.
  • 22. Heatmap indicating areas of confusion: CP2000 No confusion High confusion Source: Siegel+Gale SimplicityLab
  • 23. Confusing 42-step, 10-page notice 37 34 35 4 8 31 33 11 5 Start 1 3 7 36 18 38 40 20 22 26 30 42 24 28 2 9 10 23 32 27 6 12 15 14 16 25 13 17 29 19 39 21 41 All rights reserved 2012.
  • 25. Results: Respondents are more likely to pay 31% 37% Original Source: Siegel+Gale SimplicityLab Revised Difference is statistically significant at the 95% level of confidence All rights reserved 2012.
  • 26. What does simple mean? +  simple is clear. +  simple is fresh. +  simple is honest. +  simple is useful. +  simple is inspiring. +  simple is smart. All rights reserved 2012.