"CEM" kategorisindeki yazılar:

16 Kasım 2020 Pazartesi

Customer Experience with a bank

My CRM students are informing me about their “customer experience”. They share with me interesting topics they encounter.

They explain their real life experiences and they ask me the questions (as I ask in homeworks and exams) “What exactly is the mistake made here?”

Here is one of them. Uğur Öncü says:

I have been working with xxx Bank for many years and I have a Platinum card. In the past years, the bank increased my card limits regularly. For the last two years, I have been called by the automatic telephone system and my request for limit increase is asked by the robot, and if I press the confirmation button, the increase occurs. So far, everything is normal, it makes my life easier and I make the decision.

This year, I felt the need to increase the card limit due to a large purchase.

    • First of all I wanted to do it from internet banking (there is no such option, but I can do anything but limit increase)
    • Then I called the Call Center via VIP Line, they said “they could not accept a limit increase request on the phone”, I was directed to an intercity fax with requests such as payroll (this is stupid, my salary is paid via this the bank) and a request letter. They said “we will respond to your request within one week”.
    • There was no sound for a week, I called the VIP Line again. “We called you, haven’t got mail?” etc. they said. Anyway, my application was rejected because there was no increase in my income. The letter of rejection was also sent in the mail (I have been making regular payments for 10+ years, I keep money in the bank all the time, I have a salary account in the bank, I have automatic payment orders, I have insurance, etc.) I found the situation odd and even thought of changing the bank for that moment
    • A few days has passed and the robot called me “ if you want to increase the limit, press number 2”. First I thought it was a joke, then I thought there were errors in their systems etc. and I pressed number 2.
    • Strange but true, in one day the credit card limit had doubled (well above the amount I had requested).
    • I called the bank again on the pretext of saying “No letter of rejection has been received”. My main goal was to find out if they were aware of the situation (They were not aware of anything, they said “We will re-forward it, let’s re-mail it” etc.) I said “Don’t bother, my limit has already increased”, frankly they didn’t understand it either.

😉

Now, my exam question: “What exactly is the mistake made here?” Should we question the decision of leaving certain processes to smart systems? Or those who set up these systems should be questioned? Or those who do not integrate them with the customer’s 360o single view, etc. etc.?

Note: It is not necessary to display the “offer made by robot outbound call and its result” on the screen. After making the decision of “limit increase can be made” in any way (no matter what analysis result you make), when you transmit this to the Call Center, you move it to the screens “the limit can be increased up to this point”. (May not even be real-time. Near-real-time transfer also may be applicable).

After the limit increase request is entered on the Call Center [or the branch] screen (preferably by clicks), the information “can be increased up to this limit” appears. If the customer responds positively to call center agent, limit will be approved by one click.

It is valid even in cases like Uğur Öncü’s case. That is, “it is not difficult to integrate a Call Center CRM screen to robot’s outbound-call for a limit increase proposal… as long as the system analysis team knows what they are analyzing. ”

Do not build the walls to yourselves with risk, algorithm, integration, etc… It shouldn’t be difficult to ensure that this [limit increase] information is accessible from every customer touchpoint. Let’s aim this.

🙂

 

12 Kasım 2020 Perşembe

Mobilya’da Müşteri Deneyimi

İstanbul Bilgi Üniversitesi MBA programı kapsamında, Serhat Akkılıç‘la birlikte verdiğimiz Dijital Dönüşüm dersinde işbaşı eğitimi benzeri bir yöntem izliyoruz.MBA katılımcıları, seçtikleri bir sektör için neler yapılabileceğini çalışıyorlar.

Geçtiğimiz yılın en iyi ödevlerinden birini “Konfeksiyon’da Müşteri Deneyimini” geçen sene yayınlamıştım. Geçen sene, Hicran Aktaş Coşar‘ın mobilya müşterisi için hazırladığı deneyim adımları da paylaşmaya değerdi, bu döneme saklamıştım.

Hatırlatma: MBA ve e-MBA katılımcıları, seçtikleri sektörler için

  • Genel bir deneyim için müşterinin adımlarını,
  • Sık rastlanır başka deneyim varsa önemli noktaları,
  • Ayrıca genel deneyim sırasında, farklı deneyimlere neden olan konuları

hazırlamakla sorumluydular.

Mobilya müşterisinin deneyim adımları:

Mağazaya Gitme Kararı Öncesi

  • Arkadaş / yakın çevre yorumları (tavsiye-şikayet)
  • Web sitesi
  • Katalog
  • Pinterest / vb. sosyal medya katalogları
  • Ürün hakkında sosyal medya yorumları

Mağaza

  • Mağazaya ulaşım kolaylığı
  • Mağazada park imkanı
  • Mağaza dış görünümü
  • Mağaza vitrin sergisi
  • Mağazaya girişte karşılama
  • Mağaza kokusu, havalandırma
  • Mağaza sıkışıklık – dekorasyon
  • Mağazada ilk karşılama

Satış Temsilcisi

  • Satış temsilcisi dış görünümü
  • Satış temsilcisi tavrı
  • Satış temsilcisi ihtiyacı anlayabilme ve doğru yönlendirme yetisi
  • Satış temsilcisi ürün bilgisi

Mağaza İçi Kişiye Özel Hizmetler

  • Mağazada sunulan ikramlar (çay/kahve/kurabiye vb.)
  • Çocuklara karşı tavır-çocukla birlikte rahat alışveriş yapma imkanı
  • Wi-fi

Teşhir Alanı

  • Ürünlerin sergilendiği teşhir alanının yeterliliği
  • Teşhir alanında sunulan yaşam tarzının müşteriye uygunluğu
  • Teşhir alanında kullanılan dekortatif yan ürünler
  • Ürünlere dokunabilme-deneyimleme şansı

Ürün Özellikleri 

  • Ürünlerin kişiselleştirilebilme özelliği
  • Ürün tasarımını canlandırma yetisi (teknolojik imkanlar, vb.)

Karar, Fiyat ve Ödeme

  • Fiyat
  • Ödeme seçenekleri
  • Alım kararının verildiği ve ödeme planının yapıldığı oda/alan

Teslimat & Montaj

  • Teslimat seçenekleri
  • Teslimat konusunda yeterli bilgilendirme
  • Teslimattan önce yeterli ön bilgilendirme
  • Teslimatı yapan kişilerin görünümü, tavrı
  • Teslimatı yapan kişilerin kokusu
  • Teslimatı yapan kişilerin ürünler hakkında bilgilendirme seviyesi, konuşma tarzı
  • Montaj süresi
  • Montajı nasıl yaptıkları
  • Montaj tamamlandıktan sonra ortamı nasıl bıraktıkları

Satış Sonrası Destek

  • Bozulan/yıpranan mobilyalarda destek hizmetleri
  • Sorun halinde ulaşılabilirlik
  • Yedek parça desteği
  • Destekleyici hizmetlerde hız
  • Destek hizmetlerinin fiyat seviyesi

Şikayet Süreci

  • Şikayetlerin alındığı kanallar
  • Şikayetle ilgili ulaşılabilirlik
  • Şikayetlerde sorunu tahlil edebilen yeterlilikteki karşılama elemanları
  • Şikayet ve destek sürecinde satın almanın gerçekleştiği mağazanın tavrı-desteği

Elden Çıkarma

  • Mobilyayı elden çıkarırken marka desteği

Hicran Aktaş Coşar’ı kutluyor ve teşekkür ediyorum.

Resim şuradan alınmıştır.

08 Kasım 2020 Pazar

Important Customer Data

Important data are not communication data, but those which help to know the customer.

One of the first assignments I gave to those who attended the CRM course in the MBA program at Istanbul Bilgi University is as follows:

For the sector you choose please specify the 5 most important data and why it is needed:

Apart from

    • Name and surname
    • Age (or Date of Birth)
    • Gender
    • Job
    • Education
    • Address / place of residence
    • GSM number / e-mail address
    • Income

Apart from those, you will briefly explain what the 5 most important data that can be obtained are and why they are important.

Important points:
When I say the 5 most important data that are OBTAINABLE, if the income or salary information of the gas purchaser will not be disclosed when asked and if you write “income is important”, the homework will be considered incomplete.

Unfortunately, some MBA participants focus only on promotion (hence communication) in studies for various sectors:

  • E-mail address: It is used to transmit all kinds of information and campaign news to the customer.
  • Phone number: It is used to transmit all kinds of information and campaign news to the customer.
  • TR ID: Used to unify customers in a customer-focused database.
  • The credit cards they use: They are used to organize campaigns with banks.
  • Marital status / Number of households: It is used to know who we can make customers except himself.
  • Media preferences: Used to position the customer’s preferred media space for marketing efforts

I doubt some of these are even ‘available’ for many industries. How many people say their “marital status” or “media preferences” when buying air tickets.

However, it is necessary to focus on the information required to get to know the customer better and thus increase the lifetime value of the customer, not on promotion.

Let’s give examples from a few different sectors:

The good and bad examples in the article are compiled from the homework of MBA participants. I thank those who prepared good examples.

Airline:

  • Flight frequency
  • Frequent destinations
  • Departure place (does it always leave the same place?)
  • Total expenditure per year
  • Preferred class (Economic, Business, etc.)
  • Ticket time (last minute, discounted offers, early booking, etc.)
  • Is it through agency or personally?
  • Is he alone or flying with someone with the same last name?

Note:
There are many participants who write

    • Travel purpose
    • Job

However, we cannot know them either. It is also unlikely that we will ask every customer and expect a response. We may need to interprete over other information if it is very important to us.

We can ask ourselves “From what information do I deduce that there is a business trip?” and add that information to this list.

Gym:

  • Expectations from Exercise: Weight loss / gain, fit in a bikini and wedding dress, fit body and healthy life, socialization, etc.
  • Time to Spend for Sports: How many days & hours per week and hours of arrival
  • The Sports Branch he / she wants to focus on: Fitness, swimming, group work, etc.
  • Health Status: Is there any obstacle to doing sports? Should he exercise for a specific reason?
  • Sports Background: How many years, what sports
  • Break Activities: How to use the training breaks; magazine, TV, music, chat…
  • Private trainer / Group work preference: Do you work with a trainer, prefer group work, or work alone?

In airline,  you cannot ask “Why are you traveling? Work or vacation? ” or you cannot get the correct answers. However, those who come to the gym often tell why they came.

GSM Operator:

  • Invoice amount: Cost-benefit analysis is needed to provide more reasonable offers and / or to estimate the level of income.
  • Air time and number of SMS: It is necessary to get an insight of why the customer’s preferences are phone calls or SMS and to offer better offers accordingly. It helps us learn how much of his/her time she/he spends on the phone in one way or another.
  • With / without Internet: Opportunity to cross-sell to customers based on Internet usage; online campaign offers; It is necessary to learn the most frequently used internet platforms.
  • Hours of use: The hours when the customer is busy, what hours of the day, with whom he talks
  • Numbers he speaks frequently: We can create special packages among our customers with certain numbers.
  • Phone brand: We need this information as the packages offered by the operator may vary depending on the nature of the devices. Device replacement speed also gives an idea of ​​the customer’s level of income or spending.
  • Voyage to abroad: It will be advantageous to know how often the customer visits abroad in order to avoid surprise invoices. It will allow us to provide information in advance.
  • Churn exists or not: Whether it comes from other operators, for how many years it has received service from the same institution.
  • Customer request / complaint status: It is important for behavior management towards the customer how many “problems” were opened to the customer, how many requests or complaints he made from which channels until today. What are the status of his complaints (open, solved, closed, etc.)
  • Places where he frequently speaks: School / courthouse / hospital / shopping mall / airport etc. This information is needed to make special offers using the locations where the customer is at that time.
  • Packages used: family pack, school pack, fan pack, tariffs, etc …
  • Value-added services: vehicle tracking, lost-stolen insurance, etc…
  • Sensitivity to campaigns: Personal data can be used more, it can increase income through agreements with business partners.
  • In corporate (B2B) agreements, how many people will enter the system at the same time, possible income can be estimated according to their demographic data.

I know there are more than 5 examples for each industry. Any 5 of them are considered TRUE – including other important information I couldn’t think of.

If you don’t have this information, it won’t work well, even if you have full contact information. If you do not know the customer, you can only send spam messages.

You suggest me shampoo [1] , hair curler, breast lift bra, pink face mask [2], best places to go with my deceased mother in Mothers’ Day, gifts I can buy for my deceased father for Fathers’ Day.

Your industry or homework topic may not be an airline or a gym or a GSM operator. However, by looking at the examples above, you can find out what the important information is in whatever industry you are in. You should be able to parse the “important information” that is valid even in hosting or electricity distribution companies that are thought to have a single product.

There is another important issue…

The third (or fourth) assignment of the semester is mostly on breakdowns used for segmentation. If you noticed, those who did this assignment correctly actually did the segmentation assignment as well.