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1、MULESOFT CONNECTED CONSUMER REPORT 2017 ForewordCustomer experience is more important than ever.Increasing numbers of businesses see customer experience as the key battleground,where fortunes can be made or lost.Within this digital age,consumers are demanding a higher level of integrated services,on
2、 demand and across many channels.There are several new and maturing technologies that businesses are increasingly attracted to,which are changing the way customer experience is handled.These include(but arent limited to):-Mobile Apps unlocking cost savings through customer self-service at their fing
3、ertips-Social Media as perceptions of traditional channels harbour long wait times and bureaucracy,social media has opened up the instant response options for consumers-Artificial Intelligence millions of simple transactional queries handled by a chatbot instead of customer service teamsIt seems lik
4、e a match made in heaven.So,as the inaugural MuleSoft Connected Consumer Report reveals,why are so many businesses getting it wrong?One of the killers of great customer experience is a disconnected approach to customer journeys.In recent years,we have witnessed an explosion in the use of customer sa
5、tisfaction surveys.Every call,email,text,tweet is followed Page 01Paul Jacobs Customer Experience Transformation Director,Deloitteimmediately by a request for feedback “how could we improve your experience?”Whether its Net Promoter Score(NPS),Customer Effort Score or C-Sat,businesses have embraced t
6、he challenge of listening to their consumers.Are you asking the right question at the right time though?Businesses are focusing intently on individual touchpoints,rather than looking at the end-to-end journey.This only serves to reinforce the silos in their business and drive a disconnected customer
7、 experience.The key is to develop a way of measuring customer satisfaction which encourages all of the links in the chain to connect,to deliver a seamless experience.This engages the entire business,and not just the customer facing teams,in listening to the voice of the customer.A customer journey m
8、easurement approach can bring together the processes and behaviours needed to create a more joined up approach across channels.And when it comes to new technologies and deploying automated solutions ask yourself:just because I can automate an experience,does it mean that I should?Take time to unders
9、tand the needs of your individual customer segments,the reason for contact,the level of emotion and importance that the customer ascribes to that contact.Then,design automated experiences that meet their needs.Done well,automation lifts satisfaction and reduces costs.Avoid pushing customers to poorl
10、y designed digital experiences simply to deliver a cost to serve objective.A clear channel mix strategy,set up front,can help you to avoid some of these pitfalls.The following MuleSoft Connected Consumer Report 2017 highlights a number of best practices and barriers to consider when connecting your
11、customer experience.I hope you enjoy the read.Page 02IntroductionHave you ever asked one of these questions?Theyre a familiar existence in modern day consumer life.As all of us expect everything to be on demand and fully connected,no organization is immune from the forces of digital disruption.Today
12、,banks are being required to make their services more open due to regulation and the emergence of a new wave of fintech companies;bricks-and-mortar retailers are having to transform into omnichannel businesses to compete with the likes of Amazon;insurance providers need to differentiate in an increa
13、singly commoditized market;while in the public sector,efficiency drivers and citizen demand is seeing public services migrate online.While the nirvana for organizations is being able to deliver a fully-connected and highly-personal experience to consumers,the current reality is somewhat different.Th
14、e MuleSoft Connected Consumer Report 2017 looks at how a disconnected experience is currently impacting European consumers and then explores the opportunities and challenges ahead for banks,retailers,insurers and public services individually to meet consumers expectations.Why cant you tell me what I
15、 want to know?Why dont you already have that information about me?Why dont you know my preferences?Cant I just email you that?Arent your systems connected?Page 04What is a connected consumer experience?For the purpose of this study we defined a connected experience as:“An organization knowing your p
16、references across all channels and/or being able to provide you with access to the information you need in a timely manner”.Page 05Page 06More than half of European consumers feel they receive a disconnected experienceRight from the start,the research is clear;banks,retailers,insurers and public ser
17、vices have room for improvement when it comes to providing a connected and value added experience to consumers.Public services are the worst performer with 58%of respondents saying they feel they receive a disconnected experience,followed by insurance providers(55%),banks(53%)and retailers(52%).This
18、 indicates that public services isnt as far on its digital transformation journey as other sectors,and continues to face integration challenges.58%of consumers believe public services provide a disconnected experience.PUBLIC SERVICESGermanyUKBelgium&NetherlandsBelgium&Netherlands63%58%54%55%of consu
19、mers believe insurance providers provide a disconnected experience.INSURANCE PROVIDERSGermanyUK61%56%51%Page 07To understand consumers frustrations further,we looked into the four factors that contribute towards a disconnected experience.GermanyUKBelgium&NetherlandsBelgium&NetherlandsGermanyUK53%of
20、consumers believe banks provide a disconnected experience.BANKS60%52%51%52%of consumers believe retailers provide a disconnected experience.RETAILERS53%53%51%What factors contribute towards a disconnected consumer experience?1.Do you know me?2.Data input deja-vu3.Hello?Anybody there?4.“Sharing is ca
21、ring”Page 081.Do you know me?Today,consumers interact with organizations using a variety of channels(online,offline,phone,social media,etc.).A lot of this data is being captured,but the question remains:how effectively is it being used to deliver a truly personalized experience to users and consumer
22、s?A common complaint from consumers is that they continue to be poorly targeted with personalized information and offers.This is where the research highlights some noticeable differences between industry sectors and geographies.Banks score highly when it comes to personalization,with 71%of consumers
23、 feeling they received a highly tailored and personalized experience.However,at the other end of the scale,only 45%of consumers feel they receive a personalized experience from retailers.This could be explained by the fact that consumers tend to undertake a handful of standard transactions with a ba
24、nk,whereas in retail interactions and preferences will change based on factors ranging from what is being purchased to the latest fashion trends.Page 0944%of consumers feel they receive a personalized experience.PUBLIC SERVICESGermanyGermanyUKUKBelgium&NetherlandsBelgium&Netherlands59%of consumers f
25、eel they receive a personalized experience.INSURANCE PROVIDERS50%73%39%45%51%71%Despite the vast amount of customer data retailers capture online and through loyalty programmes,there is clear room for improvement in providing a truly personalized experience.At a geographic level,German consumers gen
26、erally feel they receive the most personalized experience,whereas UK respondents have the least personalized experience in every industry.This difference may be attributed to the fact that a larger number of services in Germany,especially banking and insurance,are still being provided in-person.In c
27、ontrast,in the UK more services are delivered online and could be viewed as more impersonal.Yet it is the move to online that could ultimately lead to solving the personalization conundrum.As well see later in this report,consumers are increasingly more open to share personal and social media data i
28、f it directly benefits them.The key is courage and focus to define the specific parts of the customer journey that organizations want to personalize,versus trying to personalize everything.Page 10GermanyGermanyUKUKBelgium&NetherlandsBelgium&Netherlands71%of consumers feel they receive a personalized
29、 experience.BANKS45%of consumers feel they receive a personalized experience.RETAILERS81%51%63%46%78%38%2.Data input deja-vuTo compound the lack of personalization that consumers experience,most say they are very frustrated when they have to re-input or re-submit personal information they previously
30、 provided.The research shows that this is particularly evident in public services and the insurance sector,where 56%of consumers were re-submitting or re-inputting personal data they had previously provided.Neither the banking nor retail sectors fared much better,with 52%and 49%of Europeans respecti
31、vely expressing frustration.56%of consumers are frustrated having to re-input or re-submit personal data they had previously provided.PUBLIC SERVICES52%of consumers are frustrated having to re-input or re-submit personal data they had previously provided.BANKS49%of consumers are frustrated having to
32、 re-input or re-submit personal data they had previously provided.RETAILERS56%of consumers are frustrated having to re-input or re-submit personal data they had previously provided.INSURANCE PROVIDERSPage 11This is indicative of todays consumer who interacts with an organization using a variety of c
33、hannels,yet has a poor experience due to the siloed nature of applications and data.Later in this report,we show how this disconnected experience can lead consumers to move banks or find alternative retailers;the threat is real when consumers vote with their feet.Best practices:In the United States,
34、the Department of Veterans Affairs(VA)is responsible for providing healthcare and other services for over 21 million veterans,making it one of the worlds largest healthcare providers.Even at this size,they are running a Proof of Concept for a Digital Health Platform to provide a comprehensive dashbo
35、ard spanning a Veterans complete health record across every medical record system.The aim?360 views of patients,to avoid consumers resubmitting information again and again.The key is the underlying technology architecture which leverages a network of Application Programming Interfaces(APIs)to integr
36、ate military and commercial health data and enables plug and play with other systems1.1 https:/www.oit.va.gov/specialreports/dhp/Page 123.Hello?Anybody there?The speed at which organizations respond to online or offline requests for information(e.g.,product availability,delivery information,billing
37、information,etc.)is another area of frustration for many consumers.This is often a result of information sitting in different systems,making it difficult for staff to respond in a timely manner.The research reveals that public services is at the bottom of the pile again in this regard.37%of consumer
38、s have had experiences where a query or request for information could not be answered or took a lot longer than anticipated because staff did not have access to all the information they needed.This issue seemed particularly prominent in Germany,where 45%of respondents had experienced unanswered quer
39、ies or delayed responses from public service organizations.Page 13Page 14Best practices:Global retailer GANT recognised that its omnichannel customers are 30-40%more profitable.To better engage with customers across their channels,they aimed to build a seamless customer experience by launching initi
40、atives such as a unified stock availability checker(for both online and in-store).To achieve this visibility into product availability,they introduced a new blueprint architecture,created a GANT API that documented and exposed data from across multiple systems,and released an omnichannel online stor
41、e stock check product in just a few weeks.Page 154.“Sharing is caring”The final frustration explored was the number of consumers who are unable to interact with an organization in the way that suits them.The research showed that sharing information,or the right insights,is often difficult and a sign
42、ificant number of consumers are simply giving up completing an activity or request.The research highlights that,across the board,nearly a quarter of consumers have given up on an activity due to the difficulty of sharing information.Notably,German consumers were especially intolerant when it came to
43、 interacting with banks and public services,compared to their counterparts in the UK,Belgium&Netherlands.Furthermore the research highlighted that younger consumers aged 18-34(27%)were more likely to give up on an activity,compared to those in older age brackets 35-54(24%)and 55+(20%),highlighting t
44、he impatience of the millennial generation.Power to the People:Consumers want to call the shots on how they communicate and share information.24%of consumers have given up on an activity or request because sharing information was too difficult.PUBLIC SERVICES24%of consumers have given up on an activ
45、ity or request because sharing information was too difficult.INSURANCE PROVIDERS37%33%20%21%19%19%GermanyGermanyUKUKBelgium&NetherlandsBelgium&NetherlandsPage 1623%of consumers have given up on an activity or request because sharing information was too difficult.BANKS22%of consumers have given up on
46、 an activity or request because sharing information was too difficult.RETAILERS37%19%19%23%19%25%GermanyGermanyUKUKBelgium&NetherlandsBelgium&NetherlandsIndustry analysisBanking55%of consumers would consider changing bank due to a disconnected experience.60%55%51%DEMOGRAPHIC SPLIT18-34 years65%35-54
47、 years56%55+years48%More than half of European consumers said a disconnected experience would make them consider changing banks.This figure is even higher(65%)for respondents aged 18-34 years,indicating that this digitally savvy age group has higher expectations regarding banking services.With switc
48、hing banks becoming easier,and new FinTech companies springing up,it is clear that banks can no longer rest on their laurels when it comes to customer retention.A snapshot of FinTech across Europe:Venmo,the payments app,is on track to process$20bn in payments in 2017 2 110m deposited to Atom Banks f
49、ixer saver accounts within 9 months of launch and 100%mobile interactions 3 More than 100,000 people in the UK are now using the Monzo app,since the company was founded in 2015GermanyUKBelgium&Netherlands2 http:/ https:/ 1888%of consumers believe banks should make it easier for consumers to compare
50、products and services.90%86%89%In particular,consumers agreed banks should make it easier for them to compare products and services,as it would allow them to make a much more informed choice.Across Europe,banks will be obliged to give third-party providers access to customers accounts through open A
51、PIs.This will enable anyone to build payments services on top of banks data and infrastructure from the likes of Google and Facebook to a supermarket or coffee shop chain.The Payment Services Directive(PSD2),coming into force in 2018,provides a legislative mandate for more open data and increased op
52、en data interchange between financial services organizations.The key is how do institutes use this as an opportunity to thrive,rather than simply comply and survive?GermanyUKBelgium&NetherlandsPage 19The research reveals nearly half of European consumers would be happy to share their banking transac
53、tion history with a trusted third-party,and more than a quarter would consider using the likes of Amazon,Google,Facebook or Apple rather than a traditional bank in the future.Simplicity and convenience(55%)was by far the biggest reason for consumers considering a Google or Facebook,followed by perso
54、nalization(33%)and user interface(29%).The research highlights that consumers in the younger 18-34 age bracket are the ones most happy to embrace this new potential wave of banking services(42%).Overall,the findings highlight how banks should look to integrate with the broader value chains being cre
55、ated by other organizations.This allows banks to play a role in many value chains,rather than just owning one;reaching addressable markets that would otherwise have been outside of their grasp.DEMOGRAPHIC SPLIT47%of consumers would be happy to share their banking transaction history with a trusted t
56、hird-party.51%48%47%18-34 years56%35-54 years51%55+years38%Page 20GermanyUKBelgium&NetherlandsREASONS FOR CHOOSING THE LIKES OF AMAZON,GOOGLE,FACEBOOK OR APPLE FOR BANKING SERVICES28%of would consider using the likes of Amazon,Google,Facebook or Apple rather than a standard bank.37%30%23%DEMOGRAPHIC
57、 SPLIT18-34 years42%35-54 years35%55+years15%55%for simplicity/convenience33%they provide a more personalized service29%for user interface24%they have better securityPage 21GermanyUKBelgium&NetherlandsPage 27Industry analysisRetail63%of consumers would consider changing retailer due to a disconnecte
58、d experience.58%61%71%Earlier,we showed that the majority of consumers feel they receive a disconnected experience from retailers and that they expect a more personalized experience.In fact,nearly two-thirds of European consumers would consider changing retailers due to a disconnected experience.Tod
59、ays customers are now expecting more than a transactional relationship with retailers;they want a seamless and personalized journey that reflects the context of how they shop across devices and channels.For example,customers might start off browsing products on social platforms before going to an eC
60、ommerce site to find pricing and more detailed information.Then they might go to a physical store to see a product before arranging home delivery.The future of retail centres around creating seamless,omnichannel experiences for customers,who need to be at the heart of everything retailers do.They mu
61、st be ready to engage with their customer across multiple touchpoints and provide a consistent experience throughout,otherwise customers will simply shop elsewhere.65%of consumers find it unacceptable for retailers to show inaccurate information regarding what items they have in stock either online
62、or instore.60%63%74%A separate study4 of CEOs shows that while the majority of retailers are investing in digital transformation as part of the quest to deliver a great customer experience,their efforts are hindered by an inability to integrate existing and new technologies effectively.For example,i
63、t is common for inventory and order management systems to not be integrated,thus shoppers fail to receive accurate product availability information when shopping online or instore.Almost two-thirds of European consumers said they find it unacceptable for retailers to show inaccurate information rega
64、rding what items they have in stock either online or in-store.Page 23GermanyUKBelgium&NetherlandsGermanyUKBelgium&Netherlands4 https:/ 27Industry analysisInsurancePage 2563%of consumers would consider changing insurance provider due to a disconnected experience.65%63%58%The insurance industry is ano
65、ther sector currently facing a lot of digital disruption with the emergence of online aggregators and insurtech companies,forcing the traditional insurance providers to re-evaluate and evolve their customer offerings.According to PwC5,70%of insurance CEOs a higher percentage than in any other indust
66、ry see the speed of technological change as a threat to their growth prospects.Customer-centricity is now front of mind,but the research indicates that there is still considerable work for insurance providers to undertake if they are to offer a seamless and connected customer experience 63%of Europe
67、an consumers said they would consider changing insurance providers due to a disconnected experience.5 http:/ 26The insurance industry has always been data driven,and today it is being presented with vast amounts of new data from social media,wearable technology and IoT.According to research6 last ye
68、ar,82%of UK insurers stated they were prioritising big data strategies,and we are now seeing many looking to experiment with big data in an effort to reduce risk.This certainly seems to be something that consumers are starting to embrace.More than a third stated they would be happy for their insuran
69、ce provider to utilise third-party data from the likes of Facebook and collect data about their behaviour if it meant they were provided with a more personalized service and lower premiums.This figure jumps to 54%for 18-34 year olds which is a further indication that they are more open to sharing pe
70、rsonal data.When it comes to the use of social media data,the big push is on industry and legislator education.It was only last year that Facebook banned Admiral Insurance from using social media data to help set car insurance premiums7.Yet if customer demand is there it is only a matter of time for
71、 this to fall into place and something providers should start preparing for by freeing up the data in their technology systems.6 http:/ 7 http:/www.bbc.co.uk/news/business-37847647If consumers are happy for their data to be shared,will Facebook reverse its ban on insurers analysing user data to set
72、premiums?Page 27How low will you go?37%of European consumers would be happy for their insurance provider to utilise third-party data from the likes of Facebook and collect data about their behaviour if it meant that they were provided with a more personalized service and lower premiums.37%comprises
73、of the following:3%Yes,if it reduced my premium by up to 5%8%Yes,if it reduced my premium by up to 10%10%Yes,if it reduced my premium by up to 25%7%Yes,if it reduced my premium by up to 50%9%Yes,if it reduced my premium by more than 50%GEOGRAPHIC SPLITDEMOGRAPHIC SPLIT18-34 years54%35-54 years39%55+
74、years26%Germany39%UK37%Belgium&Netherlands39%Page 31Industry analysisPublic servicesAcross Europe we are seeing a growing number of public services move online,driven by the need to reduce costs through efficiency savings but at the same time improve the citizen experience.For example,the UK governm
75、ent recently announced its Government Transformation Strategy,aimed at enabling people to have a more coherent experience when interacting with government services.We are now seeing a host of services in the midst of being digitally transformed,from healthcare to taxation through to refuse collectio
76、n.The research reveals that across central government,local government and healthcare approximately half of consumers thought that the experience between online and offline services was not connected.8 https:/www.gov.uk/government/publications/government-transformation-strategy-2017-to-2020/governme
77、nt-transformation-strategyThe pace of change and overall citizen experience greatly differs from department to department and region to region,due to data sitting in silos.52%of consumers thought online and offline services werent connected.Central GovernmentLocal GovernmentHealthcare56%53%45%53%of
78、consumers thought online and offline services werent connected.54%54%46%48%of consumers thought online and offline services werent connected.52%50%42%GermanyGermanyGermanyUKUKUKBelgium&NetherlandsBelgium&NetherlandsBelgium&NetherlandsPage 29Page 30Looking at healthcare specifically,the research high
79、lights that the inability of health professionals to access or share information effectively is impacting on patient care and operational efficiency.As a direct result of a lack of integration and efficient data-sharing methods,more than half of consumers said they or someone they knew had experienc
80、ed a delay in receiving care.It is not surprising that there are challenges with making information available online,and with sharing and using data more efficiently amongst healthcare professionals.The healthcare sector is made up of a huge number of moving parts,and coordinating all those areas is
81、 a multifaceted challenge.However,by connecting all the dots the healthcare sector can create a more joined up patient experience,while at the same time significantly improving process efficiency and delivering better outcomes.53%of consumers say they or someone they know has experienced a delay in
82、care due to information not being shared between different healthcare professionals.54%44%46%GermanyUKBelgium&NetherlandsConclusionPage 32Todays consumers have shown they are increasingly intolerant of disconnected experiences and are quite prepared to change providers if expectations are not met.As
83、 we progress,consumers have the means to quickly identify and switch to companies that can better meet their needs,and businesses who do not act now will be left behind.The best practices in this report show that a connected consumer experience can only be achieved when organizations are able to bri
84、ng multiple technologies together to create truly distinctive and differentiated offerings.In order to do so,they must bring data from disparate sources and often to multiple audiences.This report has focussed on consumers but there are also suppliers and employees to take into consideration as well
85、,which multiplies the challenge and opportunity at hand.It is in this context that connectivity must be viewed as an executive concern and why Deloitte points to the CIO as being more appropriately described as the“Chief Integration Officer”9.The recommended approach is not to focus on a single poin
86、t in time problem.Instead organizations should focus on building what is known as an application network:a future proofed way to connect applications,data,and devices and expose some or all of this data onto a wider network(via technology called APIs).That network then allows other consumers from ot
87、her parts of the business to come in and discover and use those assets and then provide a more innovative offering for the consumer.By building toward this,it makes connectivity not only a critical enabler of digital transformation,but arguably the biggest differentiator of success for businesses an
88、d their consumers today.9 https:/ Page 33Visit for further insights,including the 2017 Connectivity Benchmark Report,which explores the views of IT decision makers and how they are executing on digital transformation,including the hot topics and recommendations for future initiatives.This survey was
89、 commissioned by MuleSoft and independently carried out by Opinium Research.Total sample size was 4,017 adults:UK(2,006 adults),Germany(1,004 adults)and Benelux(1,007 adults).Fieldwork was undertaken online between March 14 and March 20,2017.The figures have been weighted and are representative of r
90、elevant adult populations(aged 18+).MuleSofts mission is to help organizations change and innovate faster by making it easy to connect the worlds applications,data and devices.With its API-led approach to connectivity,MuleSofts market-leading Anypoint Platform is enabling over 1,000 organizations in more than 60 countries to build application networks.Interested to learn more?MethodologyAbout MuleS