In ecommerce, rivalry is furious; the offers are fleeting and straightforward for the client. As a site administrator, you are in this way forever confronted with the test of observing the market and creating novel substance with included incentive for the client the continuous new item pages. In doing as such, you make upper hands for yourself while staying obvious in the web crawlers and for the client .
With our answers for the enhancement of your store and every one of your sites, we anticipate supporting you making a course for progress
With PDA you will get various types of software for your website
Authorized Payment Gateway Solutions – Web are leading Authorized Payment Gateway
Integration Services provide Company in India offers Payment Gateway Integration in PHP, Asp.Net,
Java, Joomla, Drupal, Magento, Wordpress for cost effective price. Contact Us for Authorized Payment
Gateway Integration Services.
Lecture part of the IAB Digital MasterClass 2015 held under the guidence of New Bulgarian University and IAB Bulgaria. The lecture covers the digital in banking and more specifically in electronic channels in banking. The lecture concerns case study of Alpha Bank Bulgaria and the e-channels used by the bank.
Different Types of Mobile payments
Payment Models
- SMS/USSD-based transactional payments
- Direct mobile billing
- Mobile web payments (WAP)
- QR Code Payments
- Contactless Near Field Communication
- Cloud-based mobile payments (Please elaborate applepay, google, paypal and others)
- Audio signal-based payments
- Direct carrier/bank co-operation
Banking professionals can now take advantage of our well-structured and subject-oriented Online Banking PowerPoint Presentation Slides. This electronic banking PPT theme helps you to showcase the obstacles faced by the banking sector that still operates offline. Further, present the problem statement through financial impact, projected revenue, and competition benchmark using our E-banking PowerPoint template. Get access to key stats on online banking, and customer channel preference to present a convincing web banking PPT presentation. Elucidate retail, corporate, or any other online banking type through this easy-to-understand internet banking PowerPoint theme. The digital banking PPT template deck helps you illustrate the leading players in the industry along with the services they offer. This E-banking PowerPoint presentation helps you convey the federal rules and regulations concerning online banking to your audience. Web banking PPT deck helps you in highlighting the implementation process. You can easily explain E-banking software providers, workforce training, costing, and integration with E-commerce platforms. https://bit.ly/30uZUqH
In ecommerce, rivalry is furious; the offers are fleeting and straightforward for the client. As a site administrator, you are in this way forever confronted with the test of observing the market and creating novel substance with included incentive for the client the continuous new item pages. In doing as such, you make upper hands for yourself while staying obvious in the web crawlers and for the client .
With our answers for the enhancement of your store and every one of your sites, we anticipate supporting you making a course for progress
With PDA you will get various types of software for your website
Authorized Payment Gateway Solutions – Web are leading Authorized Payment Gateway
Integration Services provide Company in India offers Payment Gateway Integration in PHP, Asp.Net,
Java, Joomla, Drupal, Magento, Wordpress for cost effective price. Contact Us for Authorized Payment
Gateway Integration Services.
Lecture part of the IAB Digital MasterClass 2015 held under the guidence of New Bulgarian University and IAB Bulgaria. The lecture covers the digital in banking and more specifically in electronic channels in banking. The lecture concerns case study of Alpha Bank Bulgaria and the e-channels used by the bank.
Different Types of Mobile payments
Payment Models
- SMS/USSD-based transactional payments
- Direct mobile billing
- Mobile web payments (WAP)
- QR Code Payments
- Contactless Near Field Communication
- Cloud-based mobile payments (Please elaborate applepay, google, paypal and others)
- Audio signal-based payments
- Direct carrier/bank co-operation
Banking professionals can now take advantage of our well-structured and subject-oriented Online Banking PowerPoint Presentation Slides. This electronic banking PPT theme helps you to showcase the obstacles faced by the banking sector that still operates offline. Further, present the problem statement through financial impact, projected revenue, and competition benchmark using our E-banking PowerPoint template. Get access to key stats on online banking, and customer channel preference to present a convincing web banking PPT presentation. Elucidate retail, corporate, or any other online banking type through this easy-to-understand internet banking PowerPoint theme. The digital banking PPT template deck helps you illustrate the leading players in the industry along with the services they offer. This E-banking PowerPoint presentation helps you convey the federal rules and regulations concerning online banking to your audience. Web banking PPT deck helps you in highlighting the implementation process. You can easily explain E-banking software providers, workforce training, costing, and integration with E-commerce platforms. https://bit.ly/30uZUqH
SITEC eCommerce Class 4
Title: Online Payment
Presenter: Chan Kok Long, Executive Director (iPay88)
Date: 11 August 2015
Venue: The Canvas @ Damansara Perdana
A Complete Model of the Payment Service BusinessFrank Steeneken
This slide deck provides a complete picture of the underlying skeletal structure that holds every payment service business together while achieving its goals.
The model introduces a comprehensive framework for managing the complexity of the payment service business structure, and a reusable blueprint for visualizing how a payment service business enterprise actually does business. The model’s clearly-defined core-processes and their functions provide a powerful baseline for improving business performance.
By viewing the payment service business as a single system, fully independent of its implementation, the nature of its underlying core processes becomes clear. Then by managing and improving them as parts of a single system, substantial improvements can be made on critical success factors.
Introduction
Technology in the banks is presently catching up with a high level of development around the world. The gaps between the Indian banks and their counterparts in the technologically advanced countries are gradually narrowing down. The world has witnessed an information and technological revolution of late. This revolution has touched every aspect of public life including banking (Siam, 2006). Since two decades, due to an increasingly competitive, saturated and dynamic business environment, retail banks in many countries have adopted customer-driven philosophies to address the rapid and changing needs of their customers (Walker et al., 2008). Technological advances have changed the world radically, altering the manner in which individuals conduct their personal and business affairs. Over the past two decades in particular, the banking industry has invested substantial resources in bringing ICT to customers.
The banking industry is undergoing through the significant technological changes; it has several impacts on customer satisfaction and loyalty. ―It has revolutionised every industry including banking in the world by rendering faster and cost effective delivery of products and services to the customers. According to Chakrabarty, (2007) core banking solution enables banks to extend the full benefits of ATM, tele-banking, mobile banking, internet banking, card banking and other multiple delivery channels to all customers allowing banks to offer a multitude of customer-centric services on a 24x7 basis from a single location, supporting retail as well as corporate banking activities.
Now, Indian banks are investing heavily in the technologies such as branch automation and computerization, core banking, tele-banking, mobile banking (M-banking), internet banking, automated teller machine (ATMs), data warehousing etc. ICT innovations in the previous few years have changed the landscape of banks in India (Mittal and Dhingra, 2007; Kour and Kour, 2011). Today public sector and private sector banks are offering online banking services. Various alternative channels to provide easy and any where banking are properly thought of. The process of bank computerization was started since 1985 in public sector banks in India. However, some private sector banks have started computerization prior to the public sector banks in India. The banks in India are using ICT not only to improve their own internal processes but also to increase facilities and services to their customers.
eSewa is Nepal-based company
mainly focused on electronic
payment system It is one of the
major service provided by
f1soft.com which is the well-known name for safer and easier way to pay online.
As Head of eCommerce in 7-Eleven Thailand. Parin had establish the Omni Channel Strategy in his corporate. Empower the customer who buy online to be able to pay and pick up at the stores.
His slide crafted from the strategic 6 Omni channel excellences which have been implemented in 7-Eleven in 2012-2015. It's the result from the cooperation between Thailand and German consulting firm.
Input 1 has been providing insurance billing services for decades. We can quickly implement a billing component for your insurance offering and bring important internet-based technology to your product; all while improving performance, efficiency, and overall customer satisfaction.
SITEC eCommerce Class 4
Title: Online Payment
Presenter: Chan Kok Long, Executive Director (iPay88)
Date: 11 August 2015
Venue: The Canvas @ Damansara Perdana
A Complete Model of the Payment Service BusinessFrank Steeneken
This slide deck provides a complete picture of the underlying skeletal structure that holds every payment service business together while achieving its goals.
The model introduces a comprehensive framework for managing the complexity of the payment service business structure, and a reusable blueprint for visualizing how a payment service business enterprise actually does business. The model’s clearly-defined core-processes and their functions provide a powerful baseline for improving business performance.
By viewing the payment service business as a single system, fully independent of its implementation, the nature of its underlying core processes becomes clear. Then by managing and improving them as parts of a single system, substantial improvements can be made on critical success factors.
Introduction
Technology in the banks is presently catching up with a high level of development around the world. The gaps between the Indian banks and their counterparts in the technologically advanced countries are gradually narrowing down. The world has witnessed an information and technological revolution of late. This revolution has touched every aspect of public life including banking (Siam, 2006). Since two decades, due to an increasingly competitive, saturated and dynamic business environment, retail banks in many countries have adopted customer-driven philosophies to address the rapid and changing needs of their customers (Walker et al., 2008). Technological advances have changed the world radically, altering the manner in which individuals conduct their personal and business affairs. Over the past two decades in particular, the banking industry has invested substantial resources in bringing ICT to customers.
The banking industry is undergoing through the significant technological changes; it has several impacts on customer satisfaction and loyalty. ―It has revolutionised every industry including banking in the world by rendering faster and cost effective delivery of products and services to the customers. According to Chakrabarty, (2007) core banking solution enables banks to extend the full benefits of ATM, tele-banking, mobile banking, internet banking, card banking and other multiple delivery channels to all customers allowing banks to offer a multitude of customer-centric services on a 24x7 basis from a single location, supporting retail as well as corporate banking activities.
Now, Indian banks are investing heavily in the technologies such as branch automation and computerization, core banking, tele-banking, mobile banking (M-banking), internet banking, automated teller machine (ATMs), data warehousing etc. ICT innovations in the previous few years have changed the landscape of banks in India (Mittal and Dhingra, 2007; Kour and Kour, 2011). Today public sector and private sector banks are offering online banking services. Various alternative channels to provide easy and any where banking are properly thought of. The process of bank computerization was started since 1985 in public sector banks in India. However, some private sector banks have started computerization prior to the public sector banks in India. The banks in India are using ICT not only to improve their own internal processes but also to increase facilities and services to their customers.
eSewa is Nepal-based company
mainly focused on electronic
payment system It is one of the
major service provided by
f1soft.com which is the well-known name for safer and easier way to pay online.
As Head of eCommerce in 7-Eleven Thailand. Parin had establish the Omni Channel Strategy in his corporate. Empower the customer who buy online to be able to pay and pick up at the stores.
His slide crafted from the strategic 6 Omni channel excellences which have been implemented in 7-Eleven in 2012-2015. It's the result from the cooperation between Thailand and German consulting firm.
Input 1 has been providing insurance billing services for decades. We can quickly implement a billing component for your insurance offering and bring important internet-based technology to your product; all while improving performance, efficiency, and overall customer satisfaction.
Input 1’s outsourcing platform expertly produces and delivers on major opportunities for interaction, such as invoices, reminders, emails, and mobile management. We specialize in crafting these touchpoints to successfully cross-market your products and services, build brand awareness, and align your product offerings with your customer’s needs. We provide a highly competitive edge by dramatically increasing the impact and frequency of these valuable interactions, which:
• Initiate important ongoing conversations with your customer
• Successfully predict your customer’s needs
• Align your brand with your customer’s goals
• Connect you to their personal lives
• Demonstrate unwavering dependability
The FACT is: your current touchpoints should be differentiating you from competitors by building product knowledge and increasing brand loyalty. If they’re not, you’re losing business. //
o enable a superior customer service experience in the multi-channel environment services and communication must be consistent and identical offers need to be made available to the same customer via different channels. Banks that can achieve this can expect a higher customer engagement. To make this happen Banks (Issuers) need to re-look at their operating models to make it leaner and more meaningful for their customers. Effectively, the times are a changing and the Banks need to keep up with changing playing field.
4. e commerce, m-commerce and emerging technologies 2018Ashish Desai
Customized for the students of CA-IPCC.
This study notes will give you the complete about e-Commerce and also a difference between E-Commerce and M-Commerce. It also gives you basic detail about the several emerging technologies like AI, IoT, web 3.0, Machine Learning and more.
Enhancing Customer Experience through Loan Origination System (1).pdfHabile Technologies
Guaranteeing a spectacular customer experience, CloudBankIN allows lenders to i) Automatically disburse loans within 2 minutes, ii) Disburse low ticket loans without any human intervention, iii) Capture the right user data and manage heavy-duty documentation with ease.
More and more customers are seeing mobile as their banking channel of choice, proven by a growing body of papers. To cite some, Cimigo revealed that for every 10 respondents who are Vietnamese consumers, 3 are using some forms of e-payments including mobile banking application and e-Wallet. Or Backbase predicted that mobile transactions in Vietnam will increase by 300% between 2021 and 2025, driven by mobile payments. As banks build more creative features and integrate with third-party financial products, mobile banking application is no longer a tool for remote money transaction; it has become a financial lifestyle platform that offers a single hub for all banking services. In this article, we get to explore various innovative features that a bank might consider for its mobile banking application, with the goal to keep up with the Digital Banking upsurge.
Digital Onboarding Made Easy with the Inception of AI-Based AlgorithmsSignzy
Today, customer's demands are increasing continuously for better digital banking experiences as they get in other industries. There are some reasons in which banks can focus to revolutionize the onboarding experience such as Digitize processes, indeed, Allow customers to bank anytime, Collect data once and Personalize experiences. for more details, visit Signzy today!
Ομιλία – Παρουσίαση: “Digital Transformation with Mobile First”
Ronald Raffensperger, CTO Digital Transformation, Financial Services Industry,
Huawei Technologies
The Customer Portal Whitepaper briefs about driving customer interaction through a dedicated portal that has all the required features and user-friendly functionality. Find out how.
These things you must know about online payment solutions.Riya Sen
Every company has different long-term and short-term requirements. Choosing the correct
online payment system to meet your specific requirements can be difficult at times. Many
online payment solution providers are currently developing (or have previously developed)
specific solutions to assist businesses with online payment processing
Beyond Portals in LIfe and Final Expense InsuranceEdgewater
The evolution of customer portals in the life insurance and final expense insurance industries. Presented by Edgewater Consulting at Accord Loma Life Insurers Council (LIC) Technology Committee meeting.
Presentation Only: Case Study for Implementing Successful eBilling StrategiesJOSH CARROLL
This is the presentation of a live webinar held by Plymouth Rock Assurance, Striata, and Western Union Payments entitled, "A Case Study for Implementing Successful eBilling Strategies"
Czy czas kryzysu to dobry czas na „firmowe rekolekcje”? Takie przygotowujące Twój Biznes na wyzwania? Najlepiej zrób to już dziś. Bo jutro to dziś, tyle że jutro. Nie każdy umie i nie każdy ma czas. Można i warto skorzystać ze wsparcia. Zainwestować czas swoich ludzi na zmierzenie się z rzeczywistością. Obecną i przyszłą.
Zadawanie pytań ma sens (patrz komentarz). W biznesie liczy się czy i jak potrafisz odpowiedzieć na klika podstawowych pytań. Przynajmniej tych, które pozwalają opisać model biznesowy firmy.
Wielu menedżerów nie potrafi jednak dokładnie powiedzieć CO i DLA KOGO oferuje ich firma. Tym bardziej DLACZEGO to robi. Większość tzw. wyzwań (bo nikt nie lubi słowa „problem”), z jakimi od lat spotykam się w organizacjach biznesowych, wynika z braku przemyślanych odpowiedzi.
Bez precyzyjnej odpowiedzi na takie pytania trudno jest podejmować sensowne i racjonalne działania. Szczególnie w warunkach dynamicznych zmian w otoczeniu, jakie obserwujemy. Bo dostępne opcje i możliwości zawsze trzeba odnosić do indywidualnych, specyficznych potrzeb, wymagań czy ograniczeń. Konkretnej firmy w konkretnych warunkach, na konkretnym rynku. Tu i teraz.
Biznes to nie tylko wiedza, ale przede wszystkim działanie. Samo zadawanie pytań i analiza możliwych odpowiedzi (nawet tych najmądrzejszych) nie wystarczy. Trzeba to jeszcze wszystko poskładać i zaoferować jakiś plan. Przemyślany, uwzględniający różne możliwości i warianty. Biorący pod uwagę posiadane atuty, ale też ograniczenia. Przewidujący potencjalne zagrożenia i adekwatne sposoby reakcji na nie.
Stąd zaproszenie i oferta do wspólnego zmierzenia się z wyzwaniami kryzysu. Zadaniu pytań i wypracowaniu odpowiedzi. Opracowania DOBREGO, SKUTECZNEGO planu działań. Bo czasy kryzysu to moment nieprawdopodobnej szansy, kiedy można wyprzedzić innych!!!
Poland in the Heart of Innovation EuropePiotr Merkel
short presentation on Polish CC experience as delivered during CCW Berlin 2017
(video available at: http://forumcallcenter.pl/video-poland-in-the-heart-of-innovation-europe/)
Klient i jego perspektywa w modelowaniu i zarządzaniu procesamiPiotr Merkel
Rola i znaczenie klient w modelowaniu i zarządzaniu procesami biznesowymi - dlaczego? Opis przypadków. Prezentacja z konferencji BPM Trends 11.2016 Warszawa
Czy warto inwestować w obsługę klientaPiotr Merkel
Obsługa klienta traktowana jest z reguły jako Wymuszona Konieczność, czynnik kosztotwórczy, mający negatywny wpływ na wskaźniki typu EBIDA, drugorzędny i mocno wtórny - w stsosunku do sprzedaży czy marketingu - element organizacji. Czy obszar ten tak powinnien być tak postrzegany w dobie optyki "pro-klienckiej"? Czy i dlaczego należy inwestowac w dobrą obsługe klienta? Dlaczego ten element biznesu (szczególnie w przypadku klienta masowego, usług, cyklicznych rozliczeń) powinien odzyskac należną mu strategiczną rangę? ... W wielu przypadkach to właśnie Klienci, i właściwe relacje, stanowią najcenniejsze aktywa firmy !!!
Model procesowy w pigułce - podstawowe cechy, elementy i katalog korzyści - na przykładzie doświadczeń z zastosowania podejścia procesowegow spółce obsługi klienta z branży utility
Obserwacje i wnioski na temat klientocentryzmu, na podstawie praktycznych doświadczeń z opracowania i wdrożenia "systemu NPS" w dużej firmie z branży utility.
Pomiar NPS, analiza powodów i ocen, ekonomika lojalności, itp.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
What are the main advantages of using HR recruiter services.pdfHumanResourceDimensi1
HR recruiter services offer top talents to companies according to their specific needs. They handle all recruitment tasks from job posting to onboarding and help companies concentrate on their business growth. With their expertise and years of experience, they streamline the hiring process and save time and resources for the company.
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
3. Customer services
Contracts
Billing &
Invoicing
Payments &
Collection
Inquires
create a number of problems, that turn into
increasing number of inquires & claims to be handled
Claims
utilizing traditional channels,
based on traditional model
!
!
!
!
3
4. Inquires
generate higher cost both direct and indirect
on every stage of the process: handling, processing and responding
$$$
Contracts
Payments
Invoices
Claims
4
Customer services
utilizing traditional channels,
based on traditional model
5. only 5% of the portfolio
uses the e-service channel
• Investing in web portals
• Migrating customers to remote channels
• Employing payments schemes & methods
• Introducing automated transactions
• Creating self-service products
• …
Companies try hard
real
impact
5
6. Klientów
paying the bills is quite complicated
I cannot follow their logic
nobody can track my payments
they change accounts often
they want me to send a letter
problem to address the problem
it’s a complete mess
Customer’s
routine*
official language makes me sick
I feel lost !!! dayily
6*An actual blog post from Polish actress, who describe her experience with customer services: payments, inquires & claims.
Even she assumes herself modern & computer literate !!!
7. … they say, it will be like heaven
mobile
modern
simple
intuitive
automatic
single point
of contact
7
11. 1. Ask your Customer
2. Design the process
3. Develop the App
4. Allign your organization*
5. Enjoy the success*
11
*we are not to cover these in here ;-)
13. Identity
These days my smartfone is my ID card.
natural & easy verification
automatic data fill-ins
security by design & procedures
applying the existing standards
& procedures (incl 3rd Parties)
13
14. Invoices
I want my bills to appear automatically,
with Key Info/Details presented in a simple form.
Key Info & Data to be presented
existed standards & mechanisms for
automated distribution
sort & search engine
connected to the cloud (eg, for bill image)
14
15. Payments
I want my bills to be paid with a single touch,
while the pre-processing should be automated.
automated fill-ins on transaction
smooth integration with transaction system
reliability & security
simple and clear notification on effect
(„receipt”; „proof of payment”)
15
16. Inuires
Communicating my supplier should be easy &
natural, like conversation, chat or text.
automatic customer details fill-ins
automatic „case/problem” details fill-ins
short reaction time (reception & answer)
clear status & effect communication
conversational dialogue (me vs you/ Q&A)
16
17. Offerings
New Offerings should be personal and presented in a
simple form; if accepted - the details should follow.
Offerings: key details only
pre-acceptance => more details available
full set-u & configuration by Customer
(what, when, under which condition)
17
18. Process
use the existing systems
apply the accepted standards
reduce the number of steps; simplify
be intuitive and user friendly
provide end-to-end UTILITY
Let your process follow the natural behaviour
of the user. Make it simple: less is more ;-)
18
20. Addressing the needs of the User
Reliable
Engaging
User friendly
Beautifull
Practical
Intuitive
Minimalistic
http://fp20.org/top-3-cechy-dobrej-aplikacji-mobilnej,1278
☺
The „good” app
20
😀
🎯
😍
👍
'
💥
21. 😍 ☺
😀 💥
👍'
Contracts
Billing &
Invoicing
Payments
& Trans.
Inquires
Full potential …
In a recent study, McKinsey found that revenues grew 10-15%
with a 20% customer satisfaction increase when companies focused
on journeys rather than solely looking at individual interactions.
21http://www.slideshare.net/McK_CMSOForum/customer-experience-journey-webinar-v10-091713
Claims
22. Single app = single Control Panel
Full scope of customer services
usability
☯ All My Suppliers
Universal identity
Simple, intuitive, natural UI
Common standards apply
(invoices, transactions, inquires, offerings)
in a single place
22
The ULTIMATE
23. Mutual benefits
SUPPLIER
Cost & Resources Optimization
Flexibility while Designing the services
Efficient communication channel with Customer
The Added value (customer service is a piece of cake)
CUSTOMER
In control with all the bills and customer issues
Communication and payments that follow the mobile way of life
Easy to use - minimum effort & no negative experience
Comfort & satisfaction with everyday use
23
24. Mobile customer service
limited number of errors & faults
improved satisfaction
readiness to selfceare
the real usability
significant increase of number
that follows your style
24
of customers in remote channels
significant increase in net profits
significant increase in NPS /CSI
26. Don’t wait !!!
Be mobile !!!
Piotr Merkel
Managing Partner
ul. Jerozolimskie 96
00-807 Warszawa
+48 504 742 944
piotr.merkel@iqmart.pl
WE COULD HELP & SUPPORT YOU