Customer Experience (Pensions) Fail at Aviva

Customer Experience (Pensions) at MyAviva: The Way It Used To Be

My customer experience online via MyAviva as an Aviva customer used to be great. I would have given it a 10/10. In fact, it was one of key factors in moving my pension over from Prudential. The other fact? By making the move I cut my annual charges by half.

My customer experience at Prudential sucked. What made it suck? On the online Prudential platform I could not manage (as in change) my investments. So the customer experience was one of frustration. Frustration at having to call. Frustration at having to wait and wait and wait. Frustration at having to talk another person through the fund changes I wished to make.

On Aviva’s online platform my customer experience was great: I could easily and instantly switch out of one or more funds into other funds. The most time consuming job was that of research: figuring out which funds I wanted to switch into.

Customer Experience (Pensions) at MyAviva: The Way It Is Today

Shows the options available to the customer / user on the pensions administration page at Aviva.co.uk
Pensions page shows the options available to me in managing my pension

Take a look at this screenshot. There are a number of issues with the options listed – which I will not go into here. Rather I wish to focus on what is missing. The option that used to allow me to switch into / out of funds is not there. It’s not there!

After wasting time hunting – across a number of pages – the option that used to be there but is not there, I had no choice but call Aviva’s customer service helpline. Here’s a snapshot of my experience as a customer:

1-Deal with the IVR;

2-Talk with a Customer Services agent, go through the security check;

3-Inform this agent of what I wish to do and express my surprise / frustration that I can no longer do it online;

4-He stops me and tells me that he has to put me through to the switching team;

5-I wait and then wait some more, to be told that he cannot get through to the switching team;

6-I hand over my contact details so that somebody from the switching team can call me back;

7-Later I do get called back and have to go through a security check;

8-Then I get to specify step by step that changes I wish to make and wait for him to enter those into his system; and

9-To be told that my instructions will be carried out somewhere around the 5th of May – five days time – when online they would have been executed instantly!

Customer Experience Failures Costs The Customer And The Business

Because Aviva has taken away from me the option to manage my pension investments online, I, the customer, endure a poor customer experience. Poor how? Unnecessary effort. Time wasted. My need is still not met. And, next week I will have to log in and check that the switching team have done what I have asked them to do.

Because Aviva have turned an online option and real-time automated process into a manual one, Aviva pays a price:

1-Human beings (2 different customer service agents) needed to do that which I, the customer, would have happily done through self-service online – this is waste if one thinks in terms of lean operations;

2-Introducing errors – the agent may misunderstand my instructions and/or may make manual entry errors;

3-No safeguards to ensure that errors are caught before execution – I cannot see what the customer service agent has done and so I cannot check and correct the way I used to be able to online;

4-Costs in terms of any errors made (understanding, manual entry) that will need to be corrected later; and

5-Costs in terms of erosion of customer retention / stickiness -I am now, for the first time, open to moving to another pension provider.

Notice, this is the reverse of that which digital transformation initiatives seek to do! To simplify. To automate – do away with manual steps and associated errors. To reduce the time lag. To reduce cost to serve. To improve the customer experience.

Intentionally Degrading The Customer Experience: An Example of Business Stupidity?

Why is it that I used to be able to manage my pension investments online at the MyAviva online portal/site and cannot now? Because I took out 25% of my pensions in cash (as I am allowed to) and crystallised my pension pot. That’s the official reason. Does this make sense?

No! This rationale does not make sense. The fact is that I own that pension pot. I decide where my pension pot is invested. That means I get to switch into and out of funds as/when I like. So why not allow me to do that online? If there are additional checks that must be done, then introduce them into the online process – technology is great at checking /validating.

Why turn a great customer experience and a happy customer into a customer experience that sucks, and creates an unhappy customer? I consider this to be a great example of business stupidity. What do you think?

Are You Using Digital Technologies to Improve or Degrade The Customer Experience?

Digital technologies can be used to improve the Customer Experience. For example, by:

-Enabling the customer to do more more for him/herself e.g. check/update account information, find relevant information, set-up alerts, set-up event triggered transactions, make purchases online, get chat based help with queries or problems….

-Provision of data/information based services e.g. alerts that notify the customer that price of the ticket has fallen.

Digital technologies can also be harnessed to reduce operational costs in the domains of marketing, sales, and service. This is where it becomes interesting. Why? Because one can reduce operational costs at the price of the Customer Experience, or not. Allow me to illustrate through my recent experiences.

SwissCom: Using Digital Technologies To Improve The Customer Experience

I took out a pre-paid SIM with SwissCom when I arrived in Switzerland. And, a little while back I lost my phone and the SIM. So, I go to the SwissCom website and type in “block / replace SIM”. And, immediately I make my way to a page that give me two options: block SIM online, or block SIM by telephone.

I go for the online option. No luck, it doesn’t work for pre-pay customers. So I click on the phone option and in a few minutes I am talking with a helpful human being. She does what is necessary, and tells me how to go about getting a replacement SIM. Mission accomplished – start to finish- in less than 10 minutes.

Sky.com: Using Digital Technologies To Reduce Operational Costs and Degrade the Customer Experience

My wife has been encountering issues with the broadband. She has tried everything on the Sky.com website to troubleshoot. Nothing works. She needs to contact Sky technical help. She does, but they won’t take her call as she does not know the “telephone password”. Neither do I. So I need to talk with a human being in Sky who can tell me what that password is. Why? Because I cannot see or change this password online at Sky.com.

Does Sky make it easy for me to contact their Customer Services team? No. Sky does everything on its website to hide the Customer Services contact number. Don’t believe me, try it. After a number of dead ends I find the phone number and call it. What happens?

The automated voice recognition system is not intelligent enough to deal with my query. So I have to be creative work around the limitations of this unintelligent automation. What happens? Once it categories my question, it tells me that it will send me a link to the relevant section of the Sky.com website, and cuts the call. How do I feel? Like smashing something. Why? Because, I have to get this fixed and each time I call that number I get the same response.

After wasting some 30 minutes, I get creative as I know something about these companies: they care about revenue. So I say “I wish to close my account”. Within five minutes I am through to a helpful human being. I ask him to change the account so that it is in the name of both me and my wife. No can do – system does not allow it. So I ask him to reset my telephone password. He does so.

It is not lost on me that I have only got this done because I figured out a way around the system Sky put in to defeat me: prevent me from talking to Customer Services. If I could stop doing business with Sky I would do so there and then. But I cannot because I am locked into a contract.

Concluding Thoughts On Customer Centricity And Digital Technologies

If I were to simplify customer centricity as perceived by a customer like me, I would say customer-centric companies:

-Make products that create value in the lives of Customers;

-Make sure their products work so that Customers do not need to contact Customer Services;

-Make it easy for the Customer to contact Customer Services through the customer’s preferred channel including telephone; and

-Use digital technologies to empower Customers to do more for themselves whilst always making it easy for these Customers to get through to a human being easily / quickly and that necessarily includes making the telephone number easily findable on the website.

If I apply the above criteria, I find Swiss companies that I have deal withs much superior in the Customer Experience they deliver compared to the UK companies across the telecommunications, insurance, and banking categories.

Final thought, it occurs to me that companies that excel at Customer Experience (eg. GiffGaff) have no need to lock customers into contracts. Whereas those who suck at the Customer Experience insist on long term contracts. If you cannot engender genuine loyalty then best to lock those customers in!

Customer Experience Lessons From The Cafe Hotel Greinwald

You travel on business and your expenses are covered such that you can choose to stay at  a 5* hotel (with swimming pools, jacuzzi, sauna, various bars, three restaurants, fantastic lawns outside) or a family owned/run restaurant that is less than half the price and doesn’t have the look/feel nor the facilities of the 5* hotel.  Which do you choose after you have sampled them both by staying there?

Without hesitation I chose, and continue to choose the family owned/run restaurant: The Hotel Greinwald (www. hotel-greinwald.de) – a hotel in Marktoberdorf, Allgau region of Germany.  Why?  In one word: Family!

What I miss most when I travel on business (especially when I am staying away from home 4 nights a week is the feeling of being at home amongst family. And, this is the very feeling that I got from the moment of arrival to departure – every single week.  I would be greeted warmly usually by Gabi; Gabi and Eric, wife and husband, own and run the hotel with help form their son Martin.

Every encounter with the people who work there was a positive. For example, I got to know Quiran – the young man who often brought me cooked breakfast. Or Katerina, one of the waitresses who was such a delight to talk to.  And, not the only one – all the waitresses were.  Unfortunately, I cannot remember their names, though I do remember their faces, our conversations, and their kindness.

If you travel on business, then I ask you this: How many hoteliers have you reached out to since the start of covid=19, just to say “Hello, I wonder how you are doing given covid-19, I miss you and I hope to come back and stay with you as soon travel is possible!”  Zero, is my guess. Well that is the email I wrote and I addressed it to Gabi.

What happened? I got such a wonderful reply from Gabi’s son Martin as he is taking over from Gabi so that Gabi and Eric can do less.  He was delighted to hear from me.  He told me that Gabi and Eric are doing well. The financial impact of collapse of bookings. And the hope that things would get better soon…. And, I continue to think of the folks who own/run, and staff the Hotel Greinwald.  Every time I do, I find sheer gratitude present. And, I wish each/all of them well.

Hotel Greinwald Offers Six Customer Experience Lessons

What is it that makes The Hotel Greinwald excellent? Let me give you some of the moments that stand out:

1-The Welcome. Always greeted enthusiastically. Recognised as a returning customer. Told (and I can see it is meant) something like “I/we are happy to see you again!”

2-Catering for my preferences without even being asked.  There are something like 22 rooms, I stayed in many of them, then I found my favourite. And, I told Gabi about my favourite. From that moment on, I am given that room if it is available. Fantastic – I didn’t ask for it, yet it happens, and I am grateful.

3-The people who work there.  I cannot ask to be greeted by and served by a more welcoming and helpful people. My German is poor. All the staff switched to English to make me feel comfortable. I was greeted with genuine warmth/smiles. They remembered my preferences without the need for any CRM system (there isn’t one!). They danced with me when I opened up a conversation beyond the role. For example, when I asked Katerina about her personal situation. And she told me that she is, divorced  and thus a single mother, with children.

4-The quality of the rooms. The bedrooms that I stayed in were excellent. Yes, there was a bed and a table to work at. And, there was more: comfortable sofa and/or lounge chair to sit in.  The bedrooms were spacious. The bathroom/toilet/shower area was spacious. And, everything was clean.

5-Generosity. When I stay at hotels I have to pay ridiculous prices if I am thirsty and want a bottle of water or a soft drink. At the Hotel Greinwald, this didn’t happen. A fridge on the 2nd floor was stocked with a range of drinks, and we, the guests, could go and help ourselves. No charge. Just a gift from the owners.

6-Exceptional care, going beyond the expected. One evening, I was downstair in the cafe/restaurant. I was with a group of people. We ordered.  The starter came, and we ate them. Unfortunately, it happened to be a Monday evening and every Monday 8pm I have a call that I do not miss because it is with a very special person in the US. As the clock hit 7:50, I left instructing my colleagues to ask Gabi to put the meal, for all of us, on my tab.  Whilst I was up in my bedroom, on the call with my friend, I heard knocking on the door. I opened it to find Gabi holding a tray with my meal on it. Surprise! Delight! Gratitude!

Recommendation

If you happen to be visiting the Allgau region of Germany, then I wholeheartedly, and without reservation, recommend staying at the Hotel Greinwald.  I have yet to come across a better people, a better experience – I have tried a number of hotels, and none comes close.

Finally, My Take On Where Corporates Are Going Wrong With The Customer Thing

Much of that which I see in the CX arena occurs as misguided to me.  Put bluntly, you can:

  • invest all you want in technology (e.g. CRM systems), and it will not make any real difference customer loyalty;
  • spend a lifetime designing and redesigning processes and you can keep an army of consultants busy/happy yet not make a dent in customer loyalty; and
  • change the organisational structure, play around with people’s job description, tinker with the performances etc and this will not make a dent in customer loyalty.

Why? Because your and your organisation are ‘in love with’ just about everything (revenues, profits, KPIs, strategy, processes, technology etc) but with those that truly matter:

  • your people – those who are vital to co-creating the customer’s experience; and
  • your customers – by this I mean the flesh & blood human beings (not customer segments, not personas).

Last but not least, you as in you and your organisation lack Soul.  I say Soul is decisive. If Soul is present then customers will forgive hiccups whether due to people issues, process issues, technology issues, or a combination of these. Without Soul, you can do pretty much everything correctly, and make no connection with the human heart – the basis of all loyalty.

I thank you for your listening. I wish you the very best.  Until the next time…

 

What’s The Real Challenge That Lies At The Heart Of Customer Experience?

Monday 14th Jan19: My Story, My Experience

It’s Monday 14th January 2019. It’s the day I am due to meet up with ‘my’ NHS oncologist to learn whether I continue to be cancer free, or if cancer has returned.  So its an important day for me.  I leave early as finding a parking place is always an issue except at night time.

I arrive at the relevant unit, housed in a part of the hospital that has seen much better days. It’s old, it’s drab. I approach the ‘receptionist’ and wait for her to acknowledge me. After a minute or so she looks up and says, “Name.” I hand over my appointment letter. She ‘plays’ with her computer and then says “Take a seat.” I look around and there are plenty seated in the waiting area. Thankfully, there are some empty seats. I sit and start reading the book I brought along.  This is the only way I have found to deal with unpredictable waiting that always occurs.  These folks see you when they see you irrespective of the time slot they have given you; the time slot is there to enable them to turn you away if you do not turn up on time.

Someone calls my name. I respond, “That’s me, I will be along in a minute.”  In a minute I find myself in an unfamiliar room with an unfamiliar person.  He tells me that he is Doctor…. and asks if his colleague can sit in as a part of the training.  I say “Yes.” Then I ask “Where is Nicola, my oncologist?”  This is when I learn that I will not be seeing ‘my’ oncologist today.

This doctor dives into jargon. The only thing I understand is that there is something unusual in the results. That he is not ok with this. And is sending me over the X-ray unit to have an ultrasound performed in my neck.  He hands me the paper that I have to take with me.  I ask “Where is the X-ray unit?  How do I get there from here?”  He tells me to go ask one of the receptionists…..

Thankfully, the signage in the hospital is good and I happen to arrive at an entrance/exit where this signage is present.  I use this to make my way to the X-ray unit, hand over the paper to one of the receptionists, and then make my way to the next waiting area.  I get my book out again.

After waiting for about an hour, a young woman comes out of the main X-ray room and says, “There will be a delay of an hour…..”  As she is about to go back I ask, “What does this mean for me?  By what time can I expect to be seen? This information is useful to me as it allows me to determine if I can go for a walk, get something to eat, need to top up the parking meter.  Telling us that there is an hour delay is not helpful.  So by when will you be ready to do my ultrasound?”

She looks at me, almost as if she is in shock.  It may just be the first time that anybody has talked back to her and asked this kind of question. She recovers and then proceeds to tell me that there is an hour delay.  I respond by telling her that I heard her the first time. And that her answer does not give me the information that I asked for – the only information that is meaningful/helpful.  She says, “I’ll go talk to the doctor and come back to you soon.”  I wait. It becomes clear to me that her understanding of “soon” is different to mine.  I put my book away, get up, and make my way back to the original unit handling cancer patients.

I approach the receptionist, and when she looks at me I tell her that I did not get the ultrasound done as I am not willing to wait around for the rest of the day. And, that I am going home.  She tells me to wait. Then she takes me to the doctor and tells him that which I told her. What does the doctor say? This: “I got it wrong. After you left I took another look at your case history and I can see that……So there is nothing to worry about.  You can go home.”

I say, “What about my next appointment – in six months time?  What about the blood test form that I get given each time? You do know that I have to get my blood tested about 4 weeks before my next appointment to see my oncologist?”  By his response, it becomes clear that he does not know.  Soon thereafter, I leave that hospital – the blood testing form that he has given me is not the one that I need.  And, I have not the patience to deal with novices.

The next day, I call ‘my’ oncologist’s secretary and leave a message along these lines: I turned up yesterday, the doctor who dealt with me did not know what he was doing.  He did not give me the blood test form that you give me.  And I have no confidence in anything that he told me.  Please ring me back as soon as you can.  As yet, I have not heard anything back.

Deconstructing My Journey: Why Is It That It Turned Out This Way?

I am clear that each unit of the hospital was operating as a silo. Each unit with its own agenda, priorities, constraints, people, tasks, practices…  These units just happened to be housed in the same physical location. And lumped under a label: X Hospital.  Further, it occurs to me that each person in a particular unit of the hospital was thinking in terms of his/her role: the work (tasks) s/he had to perform, the people s/he had to please, the priorities/constraints that had to be respected etc.

It occurs to me that nobody that I encountered on that day in that hospital was thinking in terms of the Customer (the patient – me) or the Customer’s experience. The doctor did not speak in a language I could possibly understand though we both spoke English fluently.  Neither the doctor nor the receptionist was concerned about how I would make my way to the X-ray unit.  The folks in the X-ray unit just assumed that I had all day to sit and wait.  Nobody was mindful that the clock was running down on the parking meter.  My oncologist clearly doesn’t get or doesn’t care that I am concerned about the accuracy of the information I was given by the ‘novice’ doctor.

Why Is It That Customer Experience Is So Poor In The UK?

How is it that an institution whose purpose is to provide care treats a human being like an object?  Let’s be clear I was treated as an object – to be processed according to the rules. I did not encounter any humanity at all. The people I encountered could be replaced by robots – the level of humanity would not be reduced one iota.

In Zen And The Art Of Motorcycle Maintenance, the main character tells his traveling companions that his son has been diagnosed with mental illness.  Now lets following the dialogue:

‘What do the psychiatrists think?’ John asks.

‘Nothing. I stopped it.’

‘Stopped it?’

‘Yes.’

‘Is that good?’

‘I don’t know……..’

‘That doesn’t sound right.’

‘No one else thinks so either…..’

‘But why?’ asks Sylvia.

‘I don’t know why…..it’s just that….I don’t know…they’re not kin’…Surprising word, I think to myself, never used it before. Not of kin….sounds like hillbilly talk….not of a kind……same root…..kindness, too…..they can’t have real kindness toward him, they’re not his kin……That’s exactly the feeling.

Old world, so ancient its almost drowned out. What a change through the centuries. Now anyone can be ‘kind.’  And everybody’s supposed to be. Except that long ago it was something that you were born into and couldn’t help. Now it’s just a faked-up attitude half the time, like teachers the first day of class. But what do they really know about kindness who are not kin?

It goes over and over again through my thoughts……mein Kind – my child. There is it is in another language.  Mein Kinder…..

I walked away from my visit to the hospital thinking/feeling this: Nobody here cares whether I have cancer or not. Nobody cares whether I live or not. They are indifferent to my existence. And this is true for the society I live in.  Yet, here I am – the person who finds tears flowing down his cheeks whenever he remembers that one of his best friends is no longer due to brain cancer.  What a difference there is between how one is treated by kin, and those who are not kin!

Now ask yourself this: Is it any different in the business world?  I say that if you are truthful, you will see that which I see. And if you do see what I see then you will see the real challenge that lies at the heart of genuine customer-centricity, Customer Experience, and customer loyalty.

I thank you for your listening, and I wish you the very best.  Until the next time….

 

Maz Signature

 

DCX/CRM: Avoiding Failure (1)

Information technology centered programmes are prone to failure. This particularly true for the large/complex programmes – in the business world these kinds of programmes have the word “transformation” in them like business transformation, enterprise transformation, or digital customer experience transformation.

There are many factors that contribute to failure. Today, I wish to focus on the business requirements that represent the demand that the technology must deliver.

How It Used To Be

When I started out implementing IT systems as a management consultant, we had the consultants who were going to configure/build the system in direct (face to face) communication (typically workshops) with the business users (subject matter experts, end users):

Consultants <———————-> Business Users

This set-up was not perfect. Why?  Because the Consultants and the Business Users came from different worlds. In a sense they spoke different languages: the Consultants spoke the language of the application, the Business Users spoke the language of their industy-function-job.

A bridge between the two worlds tended to be built through a series of face to face workshops between the Consultants and the Business Users. And it was common for at least one member of the consulting team to have relevant domain experience: industry-function-process. Further, and importantly the Consultants and the Business Users shared culture as in came from the same culture so understanding was facilitated.

How It Is Nowadays

Nowadays it is common (in my experience) to have three sets of players:

Consultants  <————->  Business Analysts <—————–> Business Users

In this setup, it’s the Business Analysts who are responsible for:

  • ‘gathering’ the requirements from the Business Users and ‘packaging’ them up;
  • communicating them to the Consultants; and
  • responding to the questions posed by the Consultants.

Notice that there are 2 sets of communication: that between Business Analysts and Business Users; and that between Business Analysts and Consultants. So the challenge is for the Business Analysts to understand that which the Business Users need/want. And then pass on this understanding to the Consultants at the level needed for the Consultants to configure-build the application.

And notice this: the vital communication between the those who will configure/build the IT solution and those who will use it has been severed – it is no more.

Herein, lies a critical source of failure in CRM/DCX programmes that I have been involved in.  What is it that I am pointing at?

  • The Business Users no longer feel a sense of ownership over the business requirements nor the success/failure of the change programme;
  • The Business Analysts have become ‘Product Owners’ yet they do not see themselves as such nor operate as such;
  • The Business Analysts typically write up the requirements – create a document and email to the Consultants with the expectation that the Consultants will simply read the document and understand what is being asked of them;
  • The Consultants read the document and typically don’t understand the requirements and have plenty of questions for the Business Analysts;
  • The Business Analysts had thought their job done when the business requirements were documented and published so they tend not to be keen to meet with the Consultants;
  • When that meeting (often a Webex) occurs between the Consultants and the Business Analysts occurs it tends to become evident that the Business Analysts have only a superficial ‘understanding’ of the requirements.

This is where the matter becomes interesting. If we were living in an ideal world then the Consultants would insist that the Business Analysts supply the level of clarity/detail that is needed to configure-build the application. Ours is not an ideal world so events play out differently.  The Consultants can be young/inexperienced. The Consultants may come from a culture where confrontation is avoided and there is extreme deference/subservience to those with higher status.  The Consultants are under considerable pressure to get moving – to meet the deadlines that the client has set.

So the Consultants tend to move forward with whatever they are given.  They too have zero ownership of the business requirements.  They are handed an ‘order’ by the Business Analysts and so they fulfill that ‘order’. If this order does not make sense then it’s not their problem – as long as they can prove that they met the order.

If You Wish To Avoid Failure

If you wish to avoid failure as in wasted time/effort, wasted money, disappointed end users, and the business disruption that failed IT implementations bring then I advise you to do the following:

  1. Cut out the Business Analysts and restore the direct communication between the Consultants and Business Users;
  2. Only accept Consultants who between them are familiar with your industry (by having worked in it for several years), are familiar with the function – marketing, sales, service – that is being ‘automated’, are familiar with configuring-building the application you have chosen to implement in your  business;
  3. If your culture supports it then choose Consultants who are likely to bring ideas/experience and are likely to challenge you and your people as in challenge your thinking, your operational practices, the business requirements you have come up with;
  4. Make sure that you create the role of Product Owner, assign the best persons to these roles, and make these persons accountable for the quality of the ‘product’ created/delivered by the Consultants;
  5. Give up the notion that business requirements are merely lying around on the corporate carpet waiting to be gathered up – this is nonsense;
  6. Understand the business requirements are best co-constructed iteratively by the Consultants and your Business Users collaborating with one another through a series of face-to-face workshops;
  7. Make the Consultants and your Product Owners jointly responsible for the Business Requirements asking both to review and sign-off the documentation, and apply version control.

Enough for today. I thank you for your listening and wish you the best. Until the next time…