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What we heard loud and clear is that Canadian SMEs are ready for more payment options. They want more choice for their customers at point-of-sale and more options for their back-office payments to suppliers and vendors, such as e-transfers, e-wallets and the digital currencies. And of course, they want their payments to be safe and secure.
Finally, the survey found that overwhelmingly the majority of SMEs are willing to integrate new technologies into their operations to meet future payment needs.
The second annual Payments Pulse Survey: Consumer Edition delves into the payment preferences and priorities for Canadian consumers. This year, the survey was conducted in two phases. Phase 1 served as a pulse check on trends spotted in the 2017 survey and helped inform dialogue and discussion at the Payments Canada SUMMIT – Canada’s largest payment conference, held May 9-11, 2018 in Toronto. The follow-up Phase 2 survey dove deeper into specific consumer needs and issues that emerged as hot topics at The SUMMIT, including ‘invisible payments’ and social media payments.
The third annual Payments Pulse Survey: Consumer Edition explores the payment preferences of Canadians and the forces driving the movement for innovative payment methods. The study revealed significant generational insights into Millennials and Generation Z when it comes to the way Canadians pay and what they are yearning for.
The study was conducted by Leger Marketing Inc., on behalf of Payments Canada between April 12 and April 19, 2019. An online survey of 1,564 Canadians was completed using Leger’s online panel. The margin of error for this study was +/-2.8%, 19 times out of 20.
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The 2019 Payments Pulse: Small Business Edition was undertaken by Leger and Payments Canada between September 17, 2019 and September 24, 2019. An online survey of 300 Canadian small business owners of companies with less than 499 employees was completed using Leger’s online panel. The margin of error for this study was +/- 5.6%, 19 times out of 20.
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Of the over one million employer businesses in Canada, 99.7 per cent represent small and medium-sized enterprises (SMEs), leaving 0.3 per cent representing large businesses. As a key economic driver, Payments Canada decided to focus a survey specifically on the payment interests of Canadian SMEs, Payments Pulse Survey: Small Business Edition.
Building on our E&Y report How can payments modernization benefit Canadian businesses? released earlier this year, we dug deeper to find out how payments systems meet SMEs’ business needs, how inefficiencies in current payments processing impact SMEs and how SMEs anticipate benefiting from a new payments system.
The introduction of new systems, rules and standards as part of Payments Canada’s Modernization program will foster a faster, safer and more data-rich payments environment. The top anticipated enhancements will come from new real-time payments, giving small businesses more choice in how they make their payments, and the adoption of the ISO 20022 data standard, which has the potential to improve automation and efficiency by increasing the data that travels with a payment.
What we heard loud and clear is that Canadian SMEs are ready for more payment options. They want more choice for their customers at point-of-sale and more options for their back-office payments to suppliers and vendors, such as e-transfers, e-wallets and the digital currencies. And of course, they want their payments to be safe and secure.
Finally, the survey found that overwhelmingly the majority of SMEs are willing to integrate new technologies into their operations to meet future payment needs.
The second annual Payments Pulse Survey: Consumer Edition delves into the payment preferences and priorities for Canadian consumers. This year, the survey was conducted in two phases. Phase 1 served as a pulse check on trends spotted in the 2017 survey and helped inform dialogue and discussion at the Payments Canada SUMMIT – Canada’s largest payment conference, held May 9-11, 2018 in Toronto. The follow-up Phase 2 survey dove deeper into specific consumer needs and issues that emerged as hot topics at The SUMMIT, including ‘invisible payments’ and social media payments.
The third annual Payments Pulse Survey: Consumer Edition explores the payment preferences of Canadians and the forces driving the movement for innovative payment methods. The study revealed significant generational insights into Millennials and Generation Z when it comes to the way Canadians pay and what they are yearning for.
The study was conducted by Leger Marketing Inc., on behalf of Payments Canada between April 12 and April 19, 2019. An online survey of 1,564 Canadians was completed using Leger’s online panel. The margin of error for this study was +/-2.8%, 19 times out of 20.
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This year’s survey, which focuses on the payment trends, interests, and views of Canadian small businesses, revealed the majority of small businesses do fewer than 25 per cent of their transactions in cash but still feel obligated to accept it.
The 2019 Payments Pulse: Small Business Edition was undertaken by Leger and Payments Canada between September 17, 2019 and September 24, 2019. An online survey of 300 Canadian small business owners of companies with less than 499 employees was completed using Leger’s online panel. The margin of error for this study was +/- 5.6%, 19 times out of 20.
Technology-driven change has become a constant for merchants,
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landscape of new capabilities, new competitors, new rules, and new
customer expectations. It can all be complicated and confusing, but an
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A great mobile deposit user experience is integral to a bank’s digital transformation strategy and one of the most powerful tools available for helping drive more customers to do their banking through lower-cost mobile banking channel. The second annual Mobile Deposit Benchmark Report, authored by Futurion founder and banking expert Jim Van Dyke, is an essential playbook for achieving just that.
Download report to learn:
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- About current pace of adoption
- How you can optimize your mobile deposit customer experience
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Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
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3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
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1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
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2. For water companies, billing is a vital customer touchpoint. At their core, bills must be clear, correct and
concise, and any issues rapidly resolved. This will help to drive satisfaction and reputation of the company
amongst its customers.
But, with water customers often only billed once per year, and contact outside of this limited, the bill and
associated communication are also a potential conduit to engage with customers about the issues they
personally find important.
This report builds on our previous research on the subject of billing. It outlines the findings of a nationally-
representative survey of 1,000 UK households looking at how consumers feel about the water bills they are
presented with, the prevalence of good and bad practice and whether they feel there is additional help there for
them should they need it.
We will also consider the innovative digitisation that must take place if the water industry is to answer the
regulatory expectations set out for AMP 7 and beyond as Ofwat begins to lay out its emerging future strategy.
Foreword
Research by Aptumo 2019
Andy Mack
Software Services Director, Echo Managed Services
2
3. Digital billing uptake lags behind
Conventional paper billing is still prominent in the UK water sector, with over half (55%) of customers receiving
statements in this way. Digital billing via email (25%) and online supplier portals (20%) are still relatively low in
comparison to other essential services sectors such as energy, where digitisation of billing is more commonplace.
Incentives such as e-billing tariff reductions, together with higher engagement levels as a result of switching, may
have driven more customers to choose e-billing in the energy sector. Water companies don’t incentivise e-billing in
the same way and, for many customers, the infrequency of contact with their supplier may mean it’s not even on the
radar.
Of course, some water customers may want to continue to receive a paper bill. Indeed, only a very small proportion of
respondents believe their supplier is old-fashioned in how they handle billing; less than 5% of billpayers said they
thought their supplier could offer more modern ways to handle bills.
What’s clear is that a “one-size-fits-all” billing solution goes against the personalised service customers increasingly
expect; customers should be able to receive their water bill in a way that suits them, according to their own choices
and circumstances. However, there is a clear opportunity to further digitise the billing journey, so long as consumers
are happy to make the change.
Water companies should ensure they have the right tools and solutions in place to support them to become more
digitally enabled, and that the customer journey is well designed and thought out to suit different customer segments
to provide the ease and convenience that e-billing sets out to achieve.
Thinking of your water bill, which of the following
statements is most accurate for you? (select one)
I receive a paper bill
I receive a digital bill via email
25%
55%
Research by Aptumo 2019
I access my digital bill via
my online supplier account page
20%
3
25%
38%
37%
water energy
4. An important customer touchpoint
The nature of the water sector means that, unless issues arise, contact with customers can be infrequent. Indeed, as we’ll
see later, 82% of customers have had no need to contact their supplier in the past 12 months.
Current customer touchpoints such as bills are therefore important to connect with customers and convey relevant
messaging in a simple, engaging way.
However, our results show that bill information isn’t reaching many customers. Only 48% of customers told us they actually
read their water bill thoroughly, with 12% saying they ignore it altogether. Maybe they have no interest, are too busy, find
bills disengaging, or simply trust their supplier to get it right.
The findings also highlighted that those customers most likely to receive their bills via paper are also the ones that check
their bills most thoroughly. This mirrors our previous research that found that online billing leads to many customers
becoming more distant from the bills they receive – a case of “invisible bills.”
Engaging consumers around bill design, format and content can help water companies to better understand how customers
currently engage with bills and what would help make bills more clear and informative. Some great work is already being
done on this across the sector, and it will be interesting to see the effect this has on engagement with water bills over time.
Clearly, there’s unlikely to be one design that suits everybody, considering different degrees of personalisation to better
meet individual needs could be a positive step forward. Investing in innovative billing software can open up new possibilities
to do this in a cost-effective way.
Research by Aptumo 2019
Thinking of your water bill, which of the following
statements is most accurate for you?(select one)
I read my bill
thoroughly
I scan my bill I don’t look at
my bill
40%
12%
48%
0%
10%
20%
30%
40%
50%
4
5. When it comes to understanding your water bill, which
of the following apply? (select all that apply)
I find my bills
easy to
understand
I think my supplier
makes an effort to
ensure my bills are
simple to
understand
I find my
supplier uses
jargon in my bill
which confuses
me
39%
14%
51%
0%
10%
20%
30%
40%
50%
60%
Research by Aptumo 2019
Bills are not universally understood
Bill clarity is an important element of good customer service, and billing continues to be a focus
measurement area as the sector transitions from SIM to C-MeX (customer measure of experience).
Customers should be able to fully understand their water bill so they are aware of how much they have to
pay and when.
However, our findings highlight that only 51% of billpayers find their bills easy to understand, suggesting
that the remainder find their bill confusing in some way – or perhaps do not understand it at all.
This may be due in part to the terminology used by water suppliers when communicating with customers
- one in seven (14%) billpayers believe that their supplier uses confusing jargon in their bill. Concerningly
for water companies, only 39% of customers think their supplier is trying to connect with them in a clear
and simple way. This may negatively affect brand perception, with some customers potentially feeling
alienated by their supplier.
It’s important that bills, as with all aspects of customer service, are inclusive – which means a degree of
tailoring to support those with specific needs. Providing easy ways to find out more if customers don’t
understand and clear-cut explanations and information on a well-designed and easy to navigate website
can help, alongside signposting to a helpful and knowledgeable customer service team.
5
6. Changes can be impactful
Boosting bill clarity through design is something that many suppliers have focused on in recent
times and our survey shows that, in some cases, this is having an impact. Although over half of
billpayers haven’t recalled a noticeable difference in their bills, a fifth do state that they feel it is
clearer to read and 17% feel it is easier to understand.
Given that many water customers only receive a bill once per year, it’s encouraging that the work
done to date has already begun to deliver visible results. The results indicate that bill design can
positively impact on understanding. But there is still room to do more in this respect.
Inclusivity is also a key consideration in terms of bill design. Bills are a key engagement point for
all consumers including those with additional needs or who are in vulnerable circumstances. It’s
important that water companies consider all customers when designing bills and communications,
taking care not to disadvantage customers with specific needs, for example those with colour
vision deficiency or who are poor sighted.
Research by Aptumo 2019
Have you noticed a change in the look and/or feel of
your bill in the last 12 months? (select all that apply)
Yes, it is
clearer to read
20%
Yes, the
design has
been refreshed
10%
Yes, it is
easier to
understand
17%
0%
10%
20%
30%
40%
50%
60%
4%
Yes, the type
of information
provided has
changed
No
56%
6
7. Billing frequency – more is more
Our figures highlight a range of views when it comes to how frequently water consumers wish to receive
a bill statement. However, the majority of people (79%) lean towards more frequent statements than the
current annual frequency for most customers.
Around a third of those surveyed (31%) told us that they would prefer to receive a bill statement on a
quarterly basis, with 28% saying they would like to see a more frequent, lower statement every month.
Only one in five people stated that annual billing was their preference.
Introducing more frequent statements would clearly have cost implications. However, tying this to e-bills
could be one way to mitigate this. It could also bring additional benefits, with smaller bills being perceived
as more affordable for those customers in financial hardship or difficult circumstances. Could this
potentially drive more of these customers to make a payment rather than ignore their bill, and through
this reduce debt levels?
As with many aspects of customer experience, customers have a mix of opinions when it comes to how
frequently they receive their water bill statement. Offering frequency choice to customers can support
water companies in meeting the varying preferences of different customers, ultimately driving a more
personalised and tailored experience.
Thinking about your water bill, how often would you
prefer to receive a bill? (select one)
Every Month
28%
Once per year
21%365
Quarterly (every 3 months)
31%
No, my bill is not
tailored to me
20%
Half Yearly
Research by Aptumo 2019 7
8. Multi-utility bills – customer perceptions
Many consumers would welcome having their everyday utilities – water, gas and electricity, provided by a single
company and charged via a single bill. Only 14% of people in our survey said they wouldn’t consider having just one
supplier for these three essential services. Interestingly, consumer preference for a multi-utility supplier declines
somewhat with age.
More than half (56%) of billpayers said they would consider a single supplier if it reduced their bills. This is up from
48% in 2016 when we asked the same question as part of our Retaining Customers in a World of Choice research.
And, whilst multi-utility supply across water and energy is not currently a real-world scenario, who knows what the
future might hold.
Only time will tell where the market is going – but it’s clear that, at its core, any move would have to deliver on
cheaper, simpler bills, efficient processes and great service to avoid driving customer dissatisfaction across the
board. And, with 14% of consumers stating they would not consider consolidating water, electricity and gas under
one provider despite the benefits that could be available, there will clearly continue to be space in any future open
market for niche sector specialists.
Research by Aptumo 2019 8
If it was possible for one company to bill you for your
water, gas and electricity, what would your feelings
towards this be? (select one)
I’d consider it if
I would receive
a better service
through it
10%
I wouldn’t
consider just
having one
provider
14%
I’d consider it
because of
the ease of
having just
one bill
20%
0%
10%
20%
30%
40%
50%
60%
I’d consider it if I
could reduce my
bills through doing
it
56%
18-24 25-34 35-44 45-54 55+
91% 96% 91% 85% 79%
9% 4% 9% 15% 21%
I would consider it
I wouldn’t consider
9. A call for greater transparency
There is significant interest amongst billpayers to understand more about where their bill money goes, and how water
companies spend it. Almost two-thirds (65%) of customers stated that they would be interested in seeing this
information, with customers in younger age bands most interested.
Verbatim comments indicate general curiosity; the desire to better understand why bills are ‘high’; concern over water
conservation; and a mistrust of the sector and the companies that operate within it.
Concern for the future of our world is growing. Many consumers want suppliers to be more responsible and ethical.
Water companies have an opportunity to move beyond being just an essential services provider – to become a pillar of
the community that “does the right thing” and plays a key role in helping to solve environmental issues.
But, given that many consumers admit they don’t read their bill - or simply scan it – there’s a risk that this type of
messaging won’t be effectively conveyed via a bill. Water companies should therefore look to share this information with
customers in different ways; engaging with the communities they serve and showing that they are more than a faceless
organisation.
For those that didn’t want to know how their bill money is spent (35%), key themes of apathy and time constraints
emerged, highlighting once again how important it is that companies tailor the way they communicate with their
customers.
YES
NO
65%
35%
18-24 25-34 35-44 45-54 55+
74% 75% 68% 64% 60%
26% 25% 32% 36% 40%
Interested
Not Interested
Research by Aptumo 2019 9
Thinking about your water bill, are you interested in
seeing information on your bill about where your
money goes/how your supplier uses it? (select one)
10. A call for greater transparency…
Research by Aptumo 2019 10
“I would be
curious about how
much is going
towards things
like bonuses,
wages compared
to things like the
environment.”
“I like to see
what cost is
going towards
service
improvements.”
“I think it would
be great for
building trust
between the
company and
the customer.”
“It would be
interesting to see
if the water
company uses the
money to prevent
leaks and save
water for dryer
periods.”
“Because these
companies are ripping
off customers. Water
went up 4.6% this year
and then they had the
audacity to ask for more
money to send to
foreign countries for
their water.”
“Would it make
any difference
if I objected to
them wasting
the cost of it?”
“I am not
interested how the
provider spends
the money
because it is not
useful information
for me, my bill will
be not cheaper.”
“I think the bill
should just tell you
how much you need
to pay. If you want
other information
you can find it
elsewhere.”
“Because there
always seem to be
problems with water,
so I would like to
know what they are
doing about it and
how my payment is
used.”
“I have no
information to
compare it to how
other suppliers are
spending money,
so it’s of limited
meaning.”
“I am only
interested in the
amount which I
owe and trust
utility companies
to spend money
wisely.”
11. Just another number
Ofwat’s emerging future strategy states that “companies should have customers at their heart. This involves
them, not Ofwat, owning the relationship with customers. It involves them taking an inclusive approach to
understanding the different customers they serve, engaging directly and regularly with them, and ensuring that
their decision-making is well-informed by customer priorities, interests and changing expectations.”
However our survey makes it strikingly obvious that – as it stands – true customer engagement is lacking across
the board. More than half of people think their supplier treats them as just another number; a disappointing
finding.
Moreover, only 12% of billpayers said they feel they are actively engaged with their supplier and just 20% think
their supplier understands their needs.
This indicates just how far water companies have to go to truly engage customers. It also shows that there is a
huge opportunity to create closer relationships with customers; using segmentation to drive more tailored
services and experiences to better meet individual needs.
Of course, this needs robust software that can support water companies to deepen their customer understanding
and empower the use of data and AI to better serve their needs. Too often, legacy software prevents companies
from cost-effectively implementing real change that adds value to customers.
With customer expectations – and Ofwat requirements - continuing to grow, and technology opening up new
opportunities, being more proactive around communication and customer engagement is crucial to build
relationships and truly place customers at the heart.
When it comes to your water bill, which of the
following do you believe? (select all that apply)
I think my
supplier
understands my
needs
20%
I don’t really care
about what my
supplier does
outside of
billing me properly
18%
I feel like my
supplier just
treats me as
another
number
51%
0%
10%
20%
30%
40%
50%
60%
I feel like I am
actively
engaged with
my supplier
12%
11Research by Aptumo 2019
12. Expectations around personalisation are low
In many sectors, personalised communication is something in which billpayers will be well-versed. Facebook, for
example, uses artificial intelligence-driven technology to deliver tailored advertising. eCommerce brands, meanwhile,
provide individual product recommendations, based on previous choices and an understanding of customers’ potential
future needs. It’s something that is increasingly expected, but our research shows that personalisation is still lacking in
the UK water sector. 48% of respondents said they believe that their bill is tailored to them.
However, deeper analysis of individual responses highlighted a limited understanding of what a tailored bill really is and
could be. Many simply stated that their bill was bespoke because it was addressed to the right person or delivered to
the correct address. This highlights low customer expectations and therefore provides an opportunity for water
companies to surprise and delight their customers.
For example, matching messages to customer segments such as those in circumstances of vulnerability, or more likely
to fall into debt; tailoring language and the level of information to suit different customers; and driving tailored behaviour
change such as e-billing or consumption reduction.
12
Thinking of your water bill, do you feel it is
tailored to your needs? (select one)
“It explains the
breakdown just for me of
what I'm being charged
for, and it tailors a
monthly payment just for
me. There's not much
more they can really do
is there?”
“I can see
usage, unit
charge and if
actual
readings were
taken.”
“It seems to
be directed
to me
personally.”
“I know the
cost per
month and
how the water
and sewage is
proportioned.”
“It gives all
details
relevant to me
and my
usage.”
Research by Aptumo 2019
YES 48%NO 52%
13. One in five make contact
Around one in five (18%) consumers we surveyed had the need to contact their water
supplier about a water bill in the last year. The key reasons for this were around billing
inaccuracies, wanting to understand a high bill, needing additional payment support and
changing account details.
Water companies can look to reduce these unwanted contacts (from the consumer’s
perspective) through taking a more proactive approach to billing processes, for example by
contacting a customer pre-bill if the bill amount looks unusually high or by taking steps to
predict which consumers may struggle to pay their bills, and offering support before being
asked.
Interestingly, the survey also highlighted that customers were far more likely to have
contacted their energy provider than their water supplier regarding a bill – almost one third
of those surveyed had had to contact their energy provider. This was due in the main to
meter reading concerns and as a result of issues created by tariff complexity.
Should water suppliers make moves to introduce more tariff choice in the future -
something that was a theme across some PR19 business plans - there are clear learnings
from the energy market; ensure tariffs are clear, simple and transparent to reduce
customer queries.
Research by Aptumo 2019 13
In the last 12 months, have you had to contact your supplier about
a water bill? (select one)
“Something
wasn’t right on
my bill.”
“I couldn’t afford
to pay my bill.”
“I couldn’t
understand
something on
my bill.”
“My bill seemed
unusually high
and I wanted to
understand
why.”
“I needed to
change some
personal details
on my account.”
YES 18% NO 82%
Key Themes
14. Billing - what’s going wrong?
Almost 8% of people have received an inaccurate water bill: a worrying figure. Assuming
that one person deals with the water bill in each household, this equates to around
2.5million households that have received an inaccurate bill in the past 12 months alone.
A similar number of customers have received a bill after vacating their property. Clearly
notifying a water supplier is not something that’s always front-of-mind when moving house.
Suppliers could therefore do more to proactively communicate the importance of this.
One in seven survey respondents said they had received a higher-than-expected bill
without warning. This is an area which is simple to fix with the right tools and technology.
It’s something that water companies should be taking full advantage of in order to meet
Ofwat’s emerging strategy – that “new techniques, technologies and business models are
essential to increase productivity and meet strategic challenges in the most cost-effective
way.”
Sophisticated software can help water companies to spot issues – such as significant
changes in consumption and potential leaks. This means the supplier can be more
proactive with its service; contacting the customer to investigate the problem, rather than
automatically sending an incorrect bill.
Research by Aptumo 2019 14
A higher than expected bill
without warning 15%
A bill I didn’t understand 13%
9%
Being on a tariff where I’m paying
more than necessary
0% 5% 10% 15% 20% 25%
An inaccurate bill 8%
Bills continuing after
vacating a property
7%
Being unclear which tariff I’m on 17%
Contact from my provider reminding me
a bill will soon be due
26%
A bill has helped me to get a
better deal or save me money
11%
Support if I was unable to pay a
bill (before I had to ask for it)
11%
A warning per-bill of a higher
than expected bill
6%
3%
I’ve refused to pay a bill due to
issues with my account or service
Thinking about your water bill, which of the following have you
experienced in the last 12 months? (select all that apply)
15. How do suppliers respond to issues?
Getting it right first time is vitally important for the water sector. It’s a key measure in C-MeX,
and a driver for customer satisfaction. So, finding ways to reduce unwanted customer
contact should be high on every water company’s agenda.
However, our research has highlighted a range of negative experiences for customers when
it comes to resolution of issues. Just 16% said that their provider was keen to listen and
quickly correct any problems – with almost a third of customers neutral or unhappy about
the way that their provider deals with billing issues.
26% of consumers we surveyed had a negative experience when facing an issue with their
bill; 9% found it was hard to get their supplier to listen to them, 7% felt that their supplier
didn’t want to take responsibility for their error, and a further 10% were either unhappy with
how their supplier deals with billing, or felt that their supplier made it difficult for them to get
in touch.
Clearly, despite an increased focus on better service, consumers continue to face
frustrations when contacting providers about water bills. Ensuring customer service teams
are empowered and well-equipped to deal with billing concerns is crucial to ensure
consumers can easily access the support and help they need. This includes making sure
that employees are able to access a ‘single view’ of the customer in systems; with all the
history and information they need at hand to be able to resolve the customer’s problem and
get it right first time.
Research by Aptumo 2019 15
I am happy with how suppliers
deal with billing
24%
I am neutral about how
suppliers deal with billing
26%
18%It can take some time, but eventually
problems are resolved
0% 5% 10% 15% 20% 25%
Thinking of your water bill, what is the typical response you get
when issues arise with bills? (select all that apply)
Suppliers quickly accept blame if
they have made a mistake
5%
Suppliers offer a wide range of ways
for me to contact them 10%
Suppliers are keen to listen and
quickly correct any problems
16%
It is hard to get suppliers to listen or
correct issues that have occurred
9%
Suppliers seem to assume I am mistaken and
just want to get paid what they have billed
7%
Suppliers seem to make it difficult
for me to contact them
5%
I am unhappy with how
suppliers deal with billing
5%
5%
Suppliers are initially sceptical, but will put problems
right after they have been explained in detail
16. An omni-channel approach to customer contact
When it comes to water bill issues, telephone is the preferred contact channel for almost half (49%) of
billpayers. This is followed by the convenience and cost-effective nature of email (26%) and online live
chat services (16%).
The preference for direct human contact via telephone is perhaps not surprising, given that bills are
related to an individual’s finances and therefore can be an emotive subject. It’s also often the case that
these conversations are complex and so people prefer to explain issues to a real-life person, rather than
their query disappearing into a perceived digital vacuum.
Clearly, the human touch is still a hugely valuable part of customer contact. But suppliers must not
neglect the development of other communication methods; the figures highlighted here demonstrate the
importance of a consistent omni-channel experience.
Moving forward, service delivered via digital channels will be under increased sector scrutiny, with C-MeX
examining customer satisfaction in relation to contacts across multiple channels, including at least four
digital channels. Water companies will no doubt be looking to ensure that customers receive a consistent
and quality experience no matter the channel they choose.
Research by Aptumo 2019 16
If you had an issue about your water bill, which method would you
prefer to use to contact your supplier? (select all that apply)
Face-to-face
Telephone
App
49%
2%
26%Email
Text
Web chat / live chat
Social media
Written letter
Voice activated assistant
(e.g. Alexa)
16%
1%
1%
1%
1%
0% 5% 10% 15% 20% 25% 30%
3%
50%40%
17. Implications of billing issues
Households are currently unable to switch water supplier, and so billing dissatisfaction will not
impact upon loyalty or supplier choice in the same way as it might for example in the energy
market.
However, when asked whether they would consider switching following a billing issue if the
option was on the table, 36% of billpayers stated they would consider doing so. A further 11%
of customers said they would definitely switch supplier if they experienced billing issues.
Customers are understandably sensitive to billing issues. In fact, the latest Institute of
Customer Service UK Customer Satisfaction Index highlighted billing as the number one
customer satisfaction detractor in the water sector.
As it stands, it may be that many billing frustrations currently go unnoticed, with customers
choosing not to raise their frustrations with their supplier. However, the new customer
experience survey (as part of C-MeX) may change this, and uncover billing dissatisfaction
which in turn could impact negatively on water company scores and rankings.
Research by Aptumo 2019 17
How would billing issues affect your relationship with your
supplier? (select one)
Issues do annoy
me, but do not
affect my brand
loyalty/supplier
choice
21%
Issues
wouldn’t affect
my attitude
towards my
supplier
26%
0%
5%
10%
15%
20%
25%
11%
I would definitely
switch supplier if I
could
30%
35%
I would
consider
switching
supplier if I
could
36%
18. Spotlight on affordability
With water an essential service, Ofwat has understandably placed a strong focus on
affordability across the sector. Currently, around three million UK water customers struggle
to pay their bills – so there is a clear need to better support those struggling to pay their
water bills.
Concerningly, our research found that currently this isn’t always the case. Of those
respondents who had not been able to pay their bill, only 19% said their supplier was
understanding, with 10% even saying their provider was unpleasant. Many customers also
highlighted that the provision of financial support – via structures such as a payment
holiday or payment plan – were lacking.
The sector has an opportunity here to up its game and make a real difference to struggling
customers. This relies on moving from a reactive to a more proactive approach, working
harder to identify struggling customers before they fall into arrears and providing sensitive
and proactive communication and help before customers themselves feel the need to
make contact.
Investing in intelligent software that uses customer segmentation, and predictive
technology to help identify these customers, could help water company teams to turn
information into real insight; enabling them to better support customers and make a real
difference to their lives.
Research by Aptumo 2019 18
My supplier worked with me to
arrange a payment plan
32%
0% 5% 10% 15% 20%
If you have ever been in a position where you haven’t been able to afford a bill,
what was your experience with your supplier? (select all that apply)
My supplier was understanding 19%
21%My supplier offered me a
payment holiday
My supplier contacted me to ask if I
needed support with paying my bill
19%
My supplier was inflexible 17%
10%My supplier was unpleasant
My supplier or a debt collection
agency chased me for the money
6%
My supplier placed me on a
more affordable tariff
17%
25% 30% 35%
I didn’t tell my supplier 9%
19. Reducing bills and water demand
The decision to base bills on metered consumption or an unmetered rateable value is a key element of
control that most water customers have over their supply. Currently around half of the households in
England and Wales are charged via a water meter, but there are controversial calls for this to become
compulsory to help save water.
Our research highlighted a clear customer perception that metered bills offer a better deal. Two in five
(40%) bill payers we surveyed said they believe this method of billing provides more value for money, in
comparison to just 21% of people who think the same of a bill based on a rateable value.
Dual billing – by which customers can see their flat rate water bill vs. their actual metered usage – and
pay for the lowest figure, has been outlined as a possibility by water companies for the future. Our
research shows that there is a significant appetite for this, as many customers may remain reticent to
have a water meter installed until it’s been proven that it will save them money (and not based on an
estimated calculation).
These findings are encouraging in terms of both bill affordability and the wider water conservation
agenda, with new initiatives such as dual billing setting out to make a real difference.
Research by Aptumo 2019 19
Thinking specifically about water usage and how it applies to your
bills, which of the following do you believe? (select one)
I think a metered bill
provides a better deal
I think an unmetered
bill provides a better
deal
I would like to see a
metered and unmetered
bill side by side, then be
able to choose which I
pay
21%40%
0%
10%
20%
30%
40%
50%
38%
20. What can the water sector learn from the SMART rollout
The energy market is in the midst of a smart meter transition, with Ofgem expecting suppliers to
offer all properties a smart meter by 2020. The sector has to date fallen short of installation
targets, casting doubt on both the demand and efficacy of the devices.
Our research highlights that, amongst those who already have an energy smart meter, more than
one in 10 don’t look at them and only 5% have used them to actually change their consumption
behaviour. Is there therefore a missing link between the perceived benefits of smart meters and
how consumers actually use them?
With water consumption per head in the UK one of the highest in Europe, water efficiency
programmes are a current priority across the water sector. So, what can be learnt from the energy
market smart meter rollout?
Are smart meters the answer to change water consumption behaviour? If so, it’s clear that regular
reminders and tailored communications are needed to ensure that customers both know how to
use them and are aware of the benefits they can bring. This could help ensure the novelty of the
device and its customer display don’t quickly wear off.
Furthermore, it may be that there are alternative solutions to this challenge that are more likely to
change behaviours. For example, an app that sends out frequent reminders and alerts could
prove as effective, or a tiered consumption approach (where prices rise rapidly once a
household’s consumption increases above the average) which is common across the USA.
Research by Aptumo 2019
Thinking about your energy supply, which of the below statements
best reflects your situation?
(Please answer only if you have a smart meter installed).
I sometimes
use my smart
meter in-home
display to
monitor my
energy usage
(weekly)
21%
I rarely use my
smart meter in-
home display to
monitor my
energy usage
(monthly)
15%
I regularly use
my smart
meter in-home
display to
monitor my
energy usage
(daily)
39%
0%
10%
20%
30%
40%
50%
14%
I never look at my
smart meter in-
home display
20
I have made
changes to my
consumption
behaviour due to
the intelligence my
smart meter in-
home display has
given me
5%
21. Moving from apathy to delight
Please rate your billing experiences with your current water
supplier from 1 to 10? (select one)
Research by Aptumo 2019
0
50
100
150
200
250
300
0 1 2 3 4 5 6 7 8 9 10
Rating
Numberofcustomers
21
Survey respondents rated their water billing experiences as 7.5/10 on
average. This highlights a largely passive relationship with water bills, billing
processes and experience, with most bill payers scoring their experience
between 5 to 8 out of 10.
There is clear scope for water companies to further improve the billing
journey – striving to delight customers rather than settling for contentment.
As new technologies and forward-looking companies drive improvements
across all aspects of customer service - including billing - those companies
that choose not to invest may see their ratings continue to fall as consumers
increasingly compare their water billing experiences against the very best
service experiences they receive from other service providers.
With an NPS measure a likely element of C-MeX, it will be interesting to see
both initial scores and also how they improve over time.
22. Key takeaways
Take steps to become
more digitally
enabled. Offer your
customers choice in
how they receive and
pay for their water
bills.
Be more transparent.
Many customers have
questions over where
their money goes and
how it is being spent.
Ensure your systems
and people are ready for
better billing.
Empower your people to
deliver great service
that delights your
customers.
More than a number.
Tailored bills are a big
customer engagement
opportunity; educate
your customers on the
‘art of what’s truly
possible’.
Research by Aptumo 2019 22
Be more transparent.
Many customers want
to know more about
where their money
goes and how it is
being spent.
23. Key takeaways
Be there for those who
need support.
Water is an essential
service, and this is a
key part of a water
company’s service
commitment.
Omni-channel customer
service is a must.
Offer customers easy
to use and convenient
channels to reduce
reliance on telephony and
service costs.
Research by Aptumo 2019
Billing and customer
satisfaction are
connected.
Improving customer
billing experiences will
provide ROI through
enhanced customer
satisfaction and higher
C-MeX scores.
23
24. POWERED BY ECHO MANAGED SERVICES - The creator of the UK’s market leading water billing software, RapidXtra.
+44(0)845 12 12 122
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