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DMI 2013:CREATING TRUE CUSTOMER
-CENTRED SERVICES
DMI 2013: Creating true customer-centred services
Emma Robertson, Managing Director,Transform
#DMI2013
3
Welcome & Agenda
•  Opening address and DMI 2013 headlines
-Emma Robertson, Managing Director,Transform
•  Business silos and the difficulty of delivering a seamless customer experience
-Sarah Hicks, Managing Director of Digital, Santander
•  Multi-channel & the challenges of customer-centricity
-Siobhan Fitzpatrick, Director of Multi-Channel, Homebase
•  Digital public services: going where the eyeballs are
-Jonathan Carr-West, Chief Executive, Local Government Information Unit
•  Panel discussion
•  Networking and coffee
#DMI2013
4
When you’re done changing, you’re done
#DMI2013
5
Pace of Change
#DMI2013
6
Where it all began...
#DMI2013
7
Where it took off ...
#DMI2013
8
UK Smartphone
penetration 64%
#DMI2013
9
Worldwide, more people own a
mobile phone than a toothbrush
#DMI2013
10
Facebook users passed
1bn
70% UK usage via mobile
#DMI2013
11
Analogue TV gone – digital
switchover complete
#DMI2013
12
Square processes over $10bn
Mobile payments
mainstream
#DMI2013
13
18.4m tax disc renewals
online each year…
…but 44% still done at Post Office
#DMI2013
14
7.9m self assessment tax
returns filed online in 2013
12 per second on 31st January
#DMI2013
15
DMI 2013 – Key Findings
Where digital may lead it must be part of an integrated design that provides the right
service, through the right channel, at the right time.
#DMI2013
16
Digital continues to steadily grow in importance
•  66% see it as very important
•  (... 34% don’t)
•  75% recognise it at board level
#DMI2013
17
Digital not yet embedded within organisations
•  Digital continues to be siloed – sitting
in stand alone departments
•  55% place only moderate or little
importance on organisation-wide
digital and technology skills
#DMI2013
18
Disconnect between the leadership and functional roles
•  When it comes to customer
experience, leaders believe offline is
better whereas those in functional
roles stated that the experience was
enhanced online
#DMI2013
19
But customers want …
•  A multi-channel experience
#DMI2013
20
Most organisations see digital as the future
•  Within 3 years, the majority of
organisations expect online to become
the primary transaction & engagement
channel
•  Although customers agree with
investment profile, they still place a
premium value on f2f interactions
#DMI2013
How many years until online is expected to provide the largest share of
transactions/sales within your sector?
21
Mobile is growing, but yet to be dominant
•  Nearly half the organisations are seeing
transactions and customer engagement
via mobile
•  20% expect mobile to overtake digital
within the next 2 years
•  But most believe it will be 3-4 years
before it is the dominant channel
#DMI2013
How long until mobile is expected to overtake digital as the primary channel
for customers accessing information in your sector?
22
Innovation is an increasing priority for organisations
•  There is a notable shift in the attention given to wider innovation. 78% either have a
formal department, an organisation-wide approach or have embedded it at all levels
#DMI2013
23
In Summary...
•  Digital is more embedded than it has ever been – culturally, organisationally and
commercially
•  Increasingly customers treat interactions as generically “digital” – channels
becoming less relevant to the always-on generation
•  We’ve come a long way – but there is further to go
#DMI2013
24
DMI 2013:CREATING TRUE CUSTOMER
-CENTRED SERVICES
25
Business silos and the difficulty of delivering a
seamless customer experience
Sarah Hicks
Managing Director of Digital, Santander
#DMI2013
26
Why is this important?
•  Brand vision for a seamless customer
experience
•  Currently organisations are typically built
around functional objectives
#DMI2013
27
Why are Financial Services in silos?
•  Legacy IT systems
•  Organisation Structure/Maturity
o Departments have a singular view
o Political drivers create isolated departments
o Incentive structures
•  Process optimisation is often only made by channel not complete user journeys
#DMI2013
28
What does it feel like as an executive?
•  Intense internal negotiation or political
manoeuvring overshadows customer
focus
•  Difficulty in achieving short-term goals as
solutions often involve a long-term
programme which budget may not allow
#DMI2013
29
What can we do about it?
•  Focus on the customer
•  Live the customer experience
 
•  Use customer feedback
•  Encourage customer co-design
•  Promote sponsorship and influence from
the top
•  Change internal behaviours
•  Alter incentive structure to encompass
multi-channel
•  Integrate channels
•  Deliver a clear vision
#DMI2013
30
Conclusion
•  Put the Customer first
o Leave empty seat in the meeting room
o Cardboard cut out of persona
o Ask “what would the customer think or
want?”
 
•  Balance
o Recognise the need to balance Bank
efficiency and Customer delight
#DMI2013
31
DMI 2013:CREATING TRUE CUSTOMER
-CENTRED SERVICES
32
Multi-channel & the challenges of
customer-centricity
Siobhan Fitzpatrick
Director of Multi-channel, Homebase
#DMI2013
33
What does being customer-centric mean?
•  Retail subject to the whims and wants of the Great British Public
•  Easy to become re-active – believe so much in “customer” that you chase rather than lead
the agenda
•  Seeking to strike the balance between listening to the customer with confidence in the brand
& proposition
#DMI2013
34
What does it mean to Homebase?
•  Understanding our customer – who they
are and what they need from us
•  Understand their motivations and
emotional needs – DIY can be tough!
•  Looking at competitors through the eyes of
our customers – seek to differentiate and
leap-frog, not copy
•  In Digital - develop experiences that sit
within the mix and exceed customers
expectations
#DMI2013
35
What does it mean to Homebase?
•  Helen & Bob...
•  Bringing our customers to life – articulating them and really getting under their skin
•  Thinking through their journey and touchpoints – from digital to in-store to home delivery
#DMI2013
36
Challenges to getting it right and
what we’ve learnt
#DMI2013
37
Listen, listen & listen again
•  Listen to customers at all points in the development process
•  Take all opportunities – does not have to be formal or expensive
•  Really listen – no point if you only listen to what you want to hear
#DMI2013
38
Cross channels with care
•  Challenge in multi-channel of keeping the
experience consistent cross channel
•  Risk of exceeding expectations in one
channel, and disappointing in the next
•  Digital especially easy to excel in isolation,
difficult in collaboration
#DMI2013
39
Embed within the team – top to bottom
•  Easy to maintain customer-centricity within a
small focused group
•  Important to embed everywhere – from
senior leadership to stores, IT & back-office
•  Especially key in digital that the IT team are
as customer focused as the digital team
#DMI2013
40
DMI 2013:CREATING TRUE CUSTOMER
-CENTRED SERVICES
Digital public services: going
where the eyeballs are
Jonathan Carr-West
Chief Executive, LGiU
#DMI2013
Transform DMI 2013 PRESENTATIONS
Transform DMI 2013 PRESENTATIONS
Transform DMI 2013 PRESENTATIONS
Transform DMI 2013 PRESENTATIONS
Transform DMI 2013 PRESENTATIONS
Transform DMI 2013 PRESENTATIONS
To a man
with a
hammer
everything
looks like a
nail…
4
Transform DMI 2013 PRESENTATIONS
51
DMI 2013:CREATING TRUE CUSTOMER
-CENTRED SERVICES

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Transform DMI 2013 PRESENTATIONS

  • 1. 1 DMI 2013:CREATING TRUE CUSTOMER -CENTRED SERVICES
  • 2. DMI 2013: Creating true customer-centred services Emma Robertson, Managing Director,Transform #DMI2013
  • 3. 3 Welcome & Agenda •  Opening address and DMI 2013 headlines -Emma Robertson, Managing Director,Transform •  Business silos and the difficulty of delivering a seamless customer experience -Sarah Hicks, Managing Director of Digital, Santander •  Multi-channel & the challenges of customer-centricity -Siobhan Fitzpatrick, Director of Multi-Channel, Homebase •  Digital public services: going where the eyeballs are -Jonathan Carr-West, Chief Executive, Local Government Information Unit •  Panel discussion •  Networking and coffee #DMI2013
  • 4. 4 When you’re done changing, you’re done #DMI2013
  • 6. 6 Where it all began... #DMI2013
  • 7. 7 Where it took off ... #DMI2013
  • 9. 9 Worldwide, more people own a mobile phone than a toothbrush #DMI2013
  • 10. 10 Facebook users passed 1bn 70% UK usage via mobile #DMI2013
  • 11. 11 Analogue TV gone – digital switchover complete #DMI2013
  • 12. 12 Square processes over $10bn Mobile payments mainstream #DMI2013
  • 13. 13 18.4m tax disc renewals online each year… …but 44% still done at Post Office #DMI2013
  • 14. 14 7.9m self assessment tax returns filed online in 2013 12 per second on 31st January #DMI2013
  • 15. 15 DMI 2013 – Key Findings Where digital may lead it must be part of an integrated design that provides the right service, through the right channel, at the right time. #DMI2013
  • 16. 16 Digital continues to steadily grow in importance •  66% see it as very important •  (... 34% don’t) •  75% recognise it at board level #DMI2013
  • 17. 17 Digital not yet embedded within organisations •  Digital continues to be siloed – sitting in stand alone departments •  55% place only moderate or little importance on organisation-wide digital and technology skills #DMI2013
  • 18. 18 Disconnect between the leadership and functional roles •  When it comes to customer experience, leaders believe offline is better whereas those in functional roles stated that the experience was enhanced online #DMI2013
  • 19. 19 But customers want … •  A multi-channel experience #DMI2013
  • 20. 20 Most organisations see digital as the future •  Within 3 years, the majority of organisations expect online to become the primary transaction & engagement channel •  Although customers agree with investment profile, they still place a premium value on f2f interactions #DMI2013 How many years until online is expected to provide the largest share of transactions/sales within your sector?
  • 21. 21 Mobile is growing, but yet to be dominant •  Nearly half the organisations are seeing transactions and customer engagement via mobile •  20% expect mobile to overtake digital within the next 2 years •  But most believe it will be 3-4 years before it is the dominant channel #DMI2013 How long until mobile is expected to overtake digital as the primary channel for customers accessing information in your sector?
  • 22. 22 Innovation is an increasing priority for organisations •  There is a notable shift in the attention given to wider innovation. 78% either have a formal department, an organisation-wide approach or have embedded it at all levels #DMI2013
  • 23. 23 In Summary... •  Digital is more embedded than it has ever been – culturally, organisationally and commercially •  Increasingly customers treat interactions as generically “digital” – channels becoming less relevant to the always-on generation •  We’ve come a long way – but there is further to go #DMI2013
  • 24. 24 DMI 2013:CREATING TRUE CUSTOMER -CENTRED SERVICES
  • 25. 25 Business silos and the difficulty of delivering a seamless customer experience Sarah Hicks Managing Director of Digital, Santander #DMI2013
  • 26. 26 Why is this important? •  Brand vision for a seamless customer experience •  Currently organisations are typically built around functional objectives #DMI2013
  • 27. 27 Why are Financial Services in silos? •  Legacy IT systems •  Organisation Structure/Maturity o Departments have a singular view o Political drivers create isolated departments o Incentive structures •  Process optimisation is often only made by channel not complete user journeys #DMI2013
  • 28. 28 What does it feel like as an executive? •  Intense internal negotiation or political manoeuvring overshadows customer focus •  Difficulty in achieving short-term goals as solutions often involve a long-term programme which budget may not allow #DMI2013
  • 29. 29 What can we do about it? •  Focus on the customer •  Live the customer experience   •  Use customer feedback •  Encourage customer co-design •  Promote sponsorship and influence from the top •  Change internal behaviours •  Alter incentive structure to encompass multi-channel •  Integrate channels •  Deliver a clear vision #DMI2013
  • 30. 30 Conclusion •  Put the Customer first o Leave empty seat in the meeting room o Cardboard cut out of persona o Ask “what would the customer think or want?”   •  Balance o Recognise the need to balance Bank efficiency and Customer delight #DMI2013
  • 31. 31 DMI 2013:CREATING TRUE CUSTOMER -CENTRED SERVICES
  • 32. 32 Multi-channel & the challenges of customer-centricity Siobhan Fitzpatrick Director of Multi-channel, Homebase #DMI2013
  • 33. 33 What does being customer-centric mean? •  Retail subject to the whims and wants of the Great British Public •  Easy to become re-active – believe so much in “customer” that you chase rather than lead the agenda •  Seeking to strike the balance between listening to the customer with confidence in the brand & proposition #DMI2013
  • 34. 34 What does it mean to Homebase? •  Understanding our customer – who they are and what they need from us •  Understand their motivations and emotional needs – DIY can be tough! •  Looking at competitors through the eyes of our customers – seek to differentiate and leap-frog, not copy •  In Digital - develop experiences that sit within the mix and exceed customers expectations #DMI2013
  • 35. 35 What does it mean to Homebase? •  Helen & Bob... •  Bringing our customers to life – articulating them and really getting under their skin •  Thinking through their journey and touchpoints – from digital to in-store to home delivery #DMI2013
  • 36. 36 Challenges to getting it right and what we’ve learnt #DMI2013
  • 37. 37 Listen, listen & listen again •  Listen to customers at all points in the development process •  Take all opportunities – does not have to be formal or expensive •  Really listen – no point if you only listen to what you want to hear #DMI2013
  • 38. 38 Cross channels with care •  Challenge in multi-channel of keeping the experience consistent cross channel •  Risk of exceeding expectations in one channel, and disappointing in the next •  Digital especially easy to excel in isolation, difficult in collaboration #DMI2013
  • 39. 39 Embed within the team – top to bottom •  Easy to maintain customer-centricity within a small focused group •  Important to embed everywhere – from senior leadership to stores, IT & back-office •  Especially key in digital that the IT team are as customer focused as the digital team #DMI2013
  • 40. 40 DMI 2013:CREATING TRUE CUSTOMER -CENTRED SERVICES
  • 41. Digital public services: going where the eyeballs are Jonathan Carr-West Chief Executive, LGiU #DMI2013
  • 48. To a man with a hammer everything looks like a nail…
  • 49. 4
  • 51. 51 DMI 2013:CREATING TRUE CUSTOMER -CENTRED SERVICES