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Convergence in customer
intimacy at the crossroads
of online and offline
Customer Intimacy Barometer 2013
2
Opinions expressed by contributors are their own. Reproduction in whole or in
part without written permission is strictly prohibited.
© Copyright CSC 2013. All rights reserved.
3
CSC IN TOUCH WITH CURRENT TRENDS
Within the framework of its I.D.E.A.S program (Inspiration, Debate, Executive,
Annual Surveys). CSC carries out a number of “barometers” every year to analyze
trends and perspectives from key roles within the boardroom (human resources,
finance, IT, procurement…) at the European or global level. Each of these studies,
carried out with the assistance of independent survey institutions (IFOP and TNS
Sofres), involve the participation of hundreds of managers from large businesses
and public administrations. The results of these studies are revealed during high
level events, organized in different cities (Paris, Madrid, Barcelona, Milan, Brussels,
Lisbon, Washington D.C. , etc.), and are also relayed by partners from the media
and from academia (universities and elite business schools).
4
customer intimacy barometer 2013
Convergence in customer
intimacy at the crossroads
of online and offline
5
TABLE OF CONTENTS
summary11 Page 9
Page 23
testimonials
analysis
CUSTOMER INTIMACY AS A DIFFEReNTIATION strategy
1
1
1
3
4
5
Page 37
Page 67
Page 73
results12
38. Laurent Dechaux. Vice President - Oracle Applications
40. Olivier Derrien. Vice President Southern Europe - Salesforce.com
42. Arnaud Deschamps. Managing Director - Nespresso France
44. Cyrille Giraudat. Marketing Director - PMU
46. Franck Heimburger. Distribution Director, Employee Network - AXA
48. Stéphane Jeanjean. Distribution Director - CA Services. Groupe Crédit Agricole
50. William Koeberlé. CEO - Groupe Marionnaud
52. Xavier Quérat-Hément. Quality Director - Groupe La Poste
54. Mohamed Soltani. Corporate Marketing Strategy Director EMEA - Schneider Electric
56. Franck Suhit. Marketing Director - Lyreco
58. Guylène Tarrazi-Prault. Customer Relationship & Satisfaction Director - Microsoft France
60. Nicolas Terrasse. Business Solution Manager - SAS
62. Raphaël Weiler. Customer Relationship Manager - UPSA
64. Didier Zoubeïdi. Marketing Director - Edenred France
68. Christophe Amouroux. Senior Partner, CRM and Customer Intimacy - CSC
70. Pierre Kalfon. Partner, CRM and Customer Intimacy - CSC
6
The Customer Intimacy Barometer is a survey
carried out for the third consecutive year
by CSC, in partnership with TNS Sofres.
It is based on a quantitative analysis of the
trends and outlook for Marketing, Sales,
Distribution and Customer Relationship
Management departments in a sample of
major European corporations.
 
7
customerimtimacy barometer
A European study
Approach and methodology
The third edition of the Customer Intimacy Barometer is based
on a partnership with the TNS Sofres market research institute,
and a survey carried out among a sample of marketing, sales,
distribution and customer relationship management directors
within European corporations employing over 500 people.
These directors were polled regarding the position, concerns,
performance and outlook for the marketing, sales, distribution
and customer relationship management functions.
Interview method
The questionnaire was designed by the TNS Sofres market
research institute according to the CAWI (Computer-Assisted Web
Interviewing) method, in December 2012.
Target and sample
Private and semi-public enterprises:
-- employing a minimum of 500 people,
-- located in Belgium, France, Germany, Italy, Spain and the
United Kingdom.
102 managers were interviewed (without detailed objectives
in terms of activity sector).They represent the following target
groups:
-- marketing, sales, distribution or customer relationship
manager or director.
Ultimately,thesamplewascorrectedtoensureitsrepresentativeness
compared to the population of European corporations in the
activity sectors targeted.
8
9
summary1customer intimacy barometer 2013
10
Customer behaviour is often
ahead of the systems for
interaction offered by
organisations
In a financial, economic and social
environment which has further deteriorated
in 2012, businesses are facing a new set
of challenges. Their objectives: maintain
their margins, retain their customers
and differentiate themselves from their
competitors. Innovation in terms of
products and services is no longer
sufficient at a time when growth is
stagnant and optimisation programmes
continue to be set in motion with an
increasingly short-term perspective. The
time horizon is being reduced, both in
terms of the expectations of financial
markets (looking for profitability) and
the winning of orders (the lengthening
of sales cycles and the difficulty of
generating procurement flows that are
smooth over time).
Customers, whether private or professional,
are experiencing an erosion of their
purchasing power on the one hand, and
a drop in their investment capability on
the other. More than ever before, they
integrate the price on the label into
their purchase decisions, thus pulling
the whole economy down in a vicious
cycle. In addition to these developments
in buyer behaviour, we also observe that
customers are subject to various types
of exogenous phenomena which shape
their behaviour and consumption habits
in a lasting manner:
•	 a major increase in the number of
products and services on offer, the scope,
pricing policy and terms and conditions
of use of which are often difficult to
interpret. Confronted with low cost
offerings (initially in segments such as
transport and distribution), loyalty or win-
back offers, offers reserved for specific
segments, private sales, etc., customers
are finding it harder to make sense of it
all. Brands then become the victims of
their own traps: marketing techniques
designed to propagate demand transform
into a social phenomenon of unbridled
consumption;
•	 a great hunger for new means to create
relationships with brands. This is the direct
consequence of the multichannel strategies
in which the brands have invested heavily
in the course of the past few years. As a
result, the greater integration and increased
fluidity of movement between channels
(mainly physical networks, call centres and
the internet) has led to an over-consumption
of interaction, often costly and not always
profitable or efficient, combined with a lack
of mastery of those same channels on behalf
of businesses;
•	 theconsequencesofrecenttechnological
advances (the growing penetration and
usage rates of smartphones and tablets,
the digitalisation of communication, etc.),
and the development of less predictable
summary
2013 Customer Intimacy Barometer
Channels, mobility, new devices: how to adapt the
customer intimacy strategy to these new trends and
consumer behaviours?
Convergence
in customer
intimacy at the
crossroads
of online and
offline
11
The 2013 Customer Intimacy
Barometer, produced by
CSC in cooperation with
TNS Sofres, highlights
the need to ensure the
convergence of offline
an online to the benefit
of an overall customer
experience that is
genuinely differentiating.
This new trend is forcing
leaders to rethink the
role that every channel
can – and must – play in the
mix of interactions.
12
omni-channel behaviours are all having
a major impact on the often too linear
approach businesses take to the customer
experience. Indeed, new devices favour
mobility by making it accessible to the
greatest number of people at ever lower
cost, while generating great expectations
in terms of instantaneity and immediacy.
When looking for information, getting
answers to specific questions or
concluding transactions, customers –
both private and professional – no longer
have time to wait. According to CSC, this
has two consequences:
-- These trends, driven by the providers
of mobile technologies and telecom
operators, are continuously improving
the usability and smoothness of the
navigation offered by these devices.
The use thereof becomes increasingly
simple, and correspondingly creates
greater expectations in terms of
receiving an instant response from
brands. That in turn causes disruption
within customer-centric organisations,
particularly in terms of the availability
and interoperability of channels for
interaction;
-- This increased fluidity and simplicity
maketheclosingofasalemorecomplex,
whether on a website, in a store or on
a customer site. They offer potential
buyers myriad possibilities to look for
better and cheaper offers elsewhere
– without necessarily resulting in a
sale. Paradoxically, simplicity can be
a cause of constant frantic zapping,
which can be counterproductive in
terms of sales.
In 2013, a breaking away from traditional
behaviours related to information seeking
and purchasing behaviour has also been
observed. The mobility situation no longer
acts as a brake on consumption, but rather
favours multitasking. According to CSC,
this is the end of the unity of time, place
and action for consumers who are able
to simultaneously seek information and
buy, wherever they are, at any time. This
heralds the end of classical scenario
planning of consumer behaviour in the
deterministic sense.
Finally, a last observation regarding these
developments in consumer behaviour:
greater "intelligence" on behalf of
consumers in their relationships with
brands, even if their enthusiasm for
the social media seems to set the pace
(stabilisation of the hype cycleTM). The
upshot: buyers that are better informed
(whether professional or private), who
Main lesson
from the 2013
Customer
Intimacy
Barometer: the
need to consider
the role of each
channel in the
relationship
between
customer
behaviour
and choice of
offerings.
expect greater responsibility and respect
from brands (without necessarily knowing
what to do with it at the end of the day),
and who expect the information they
provide to be put to better use, so they are
treated in a personalised manner but not
exposed to a deluge of communication.
To summarise, an explosion of offerings,
multichannel strategies that offer too many
non-commercial alternatives to customers,
increasingly mobile customers who are
better informed but less inclined to spend,
and for whom the boundary between
professional and private life has become
narrower. Given that these new channels
are not substitutes for the traditional ones
but rather complementary to them in a
manner different from any that businesses
were previously familiar with, it’s important
to give enough consideration to the
role of each channel in the relationship
betweencustomerbehaviourandchoiceof
offerings, which has been totally disrupted.
This is necessary in order to ensure the
convergence of cost control, excellence of
the customer experience, limiting of “exit
routes” for customers and identification
with the model and values of the brand.
Three evolutions
for organisations to
take into account: an
explosion in the number
of product and service
offerings, a strong
desire for new ways to
create relationships, and
new devices that favour
mobility
13
Often overly linear modelling of segments (B-to-B) and customer experiences (B-to-C)]
In a B-to-C or B-to-B environment,
organisations have invested heavily in
recent years to put in place multichannel
systems meant to meet the expectations
of their customers, in particular in terms of
their need for autonomy, coherence and
immediacy.
Initially, multichannel approaches taken by
businessesaimedtomakeavailabletocustomers
andprospectsaseriesoftoolsforinteractionthat
wouldenablethemtoprogressthroughthesteps
ofthepurchaseexperiencetogether,according
totheirneeds.Thisperiodcorrespondedtothat
ofthedevelopmentoftheinternetinthe2000s.
The result was a mixture of systems, often
insufficientlycoherentamongthemselves.First
amongthesewastheinternetsilo,traditionally
built up alongside existing channels such as
a sales force, physical networks or customer
relationshipmanagement centres (with the
exception of the pure internet players).
Figure 1: simplified multichannel approach (from the 2000s). Channels built up in silos, often independent
In responding only partially to the needs
of customers, these systems soon revealed
their limits in terms of the coherence of
the information provided, and their level
of interoperability and ability to manage
interruptible sales processes. For example,
it not being possible for a customer to
apply for a loan online and to complete the
application in a bank branch.
After 2010 came the emergence of vast
transformation programmes designed to
enable the existing multichannel systems to
become cross-channel. These investments
were considered to be a priority over the
course of the past two years by 28 percent
of the organisations surveyed (compared
to 19 percent in 2012), and these systems
were characterised by:
•	 a decoupling of front and mid/back
office systems to ensure greater fluidity
of interaction, independent of the way in
which offerings are effectively produced
and delivered;
•	 an interoperability of customer
processeswhichmakesitpossibletoensure
the fluidity of all interactions, regardless of
the channel (knowing that 55 percent of
those polled feel major investments are still
needed in this area);
•	 the capability to interrupt an
interaction (for example, the creation of
a cost estimate) and to restart it in the
same channel or in another one, while
still recovering all the information already
provided;
•	 a tendency to make better use of
informationcollectedinrealtimeinorderto
adapt every element of the mix in function
of the data collected about every customer,
to better manage the distribution thereof.
14
Figure 2 : simplified cross-channel approach (after 2010). Interoperable channels, interruptible processes supporting highly linear customer experiences
These programmes have had a major impact
inenablinggreatercoherenceintheoperating
of the so-called traditional channels. More
recentbehaviouraldevelopmentsontheone
hand, and the crisis on the other, can lead to
the risk that the reach of these investments
is limited. Indeed, these systems were often
designed based on the assumption that
customer experiences (in B-to-C) and the
expectations of each customer segment (in
B-to-B) were linear and homogeneous. As a
result,ateverystepinthecustomerexperience,
or in every customer segment, a single and
rational experience – and thus major channel
– was dedicated to a precise task.
However, the social and mobile revolutions,
thepossibilitiesforinteractionofferedanytime
andeverywhere,andthesmoothnessofthese
customer interfaces have increased the risk
for businesses that customer interactions are
notultimatelyconvertedintoatransactionor
apurchaseproportionaltothesumsinvested,
anddonotrespondfavourablytothequestions:
willIgeta"bargain"?Istheofferingproposed
the one which is best suited to my real need?
Will another website offer me the product
at a cheaper price? Did the salesperson
understand my needs correctly? If I need
after-salesservice,willIbetreatedintheway
which I expect?
Facedwiththeseevolutionsinbehaviourand
habits,itisuptobrandstoidentifyandinterpret
them, and to provide a valid response. As the
2013CustomerIntimacyBarometerillustrates,
evenif34percentoftheorganisationspolled
(-7pointscomparedto2012)considercustomer
intimacy to be a major strategic aspect of
differentiation,46percent(+13pointscompared
to 2012) consider operational excellence a
priority.Unlikein2012,itisnolongersomuch
the quality of the offering that is important,
but rather the ability to excel in terms of
customer interaction. That makes it possible
to make the customer experience special
again by ensuring the coherence between
operational and relationship aspects across
allofthe channels forcontact, throughoutall
the steps of the customer experience, thus
favouringincreasedprofitabilityofaperhaps
smaller number of loyal customers (true for
35 percent of those interviewed, +12 points
compared to 2012).
Customer experiences (in
B-to-C) and expectations
from every customer
segment (in B-to-B) which
are no longer linear nor
homogeneous.
15
Customers are now
at the centre of a
triptych: channel,
device and location
the holy grail of convergence of the customer experience
The majority of businesses have applied
traditional modes of thinking to innovative
technologies and channels. However, these
new devices have not only introduced
new ways of interacting during certain
steps of well-defined processes: they
have profoundly modified the processes
themselves. The new customer, at the
convergence of a place, a device and a
channel, manifests a behaviour in which
the potential for disruption is very high
and in which interaction with and beyond
the business has greatly increased.
Figure 3: the customer at the centre of convergence (channel / device / location)
HABIT
HA
BIT
HABIT
DEVICE
CHANNELLOCATION
•	PC
•	Smartphones / NFC
•	Interactive terminal
•	Tablet
•	Payment card
•	TV
•	Etc.
•	Public place
•	Private domain (home, friends)
•	Professional domain (office)
•	In motion
•	Point of sale
•	Customer site
•	Etc.
•	Sales forces
•	Physical network
•	Website
•	Call centre
•	Email, chat, video
•	Social media
•	Etc.
CUSTOMER
16
LIa’s customer
experience
Consumer behaviour imposed
upon the business
Consumer behaviour steered
by the business
Lia, fashion
enthusiast, is
looking for a
new pair of
shoes on the
internet, during
the sales.
Lia first searches the internet, but the brand she’s crazy
about isn’t available in a size 38, or only on an internet site
she doesn’t know and doesn’t really trust
The adorable pair of shoes – undiscounted – is still in the
store. Lia sees a 2D barcode close to the display, scans
it and gets access to the opinions of the buyers of the
brand via Facebook: all very positive with in addition
some fashion tips! She signs up for the Facebook
application available on the “top tips” page.
Impressed, she asks the sales girl to try them on.
Lia notices that in this brand a size 38 is too large for her.
And there’s no size 37 in stock. Too bad!
The sales girl suggests that she orders a size 37 via
the brand’s website and have it delivered. Lia finds it
tempting, but finds this pair a bit expensive. She says
she’ll think about it. The sales girl, equipped with a
tablet, asks for her email address and her preferences
so she can send her suggestions and promotional offers
(Lia says that as well as being a fashionista she also
loves dubstep).
Once at home, Lia goes online and finds an email from
the Facebook application she signed up for.
She reads her email and notices that it contains a coupon
for a EUR 15 discount with a direct link to the website of
the brand.
Lia decides to order. When the time comes to pay,
The website proposes to deliver the shoes to her or to
the store (free of charge). Lia accepts to go to the store
(it will still save her EUR 5).
Two days later, the day before the party, Lia goes to the
store, opens the box to try on the shoes and – surprise! –
inside she finds a coupon for a partner offer from a major
online music website
As she leaves the store, she posts the following
message on Facebook: "It’s done, I bought my shoes at
shoesclicksandmortar.com, that shop’s the best!"
Lia first searches the internet, but the brand she’s crazy
about isn’t available in a size 38, or only on an internet
site she doesn’t know and doesn’t really trust.
While walking in town, Lia comes across an adorable
pair of shoes (albeit different from the ones she had
in mind). Obviously, this model is not on sale. Lia goes
into the store, takes a picture of the object of her
desire with her smartphone and posts it on Facebook,
accompanied by the message: "They’re great, but at
EUR 120 I think they’re a bit expensive. Kissss."
Lia still asks the sales girl to try them on.
While she’s been looking in the mirror, three of her
friends have sent her comments. One of them catches
her attention: "Check out fabshoes.com, they’re on sale."
Lia notices that in this brand her size is a 37. She thanks
the sales girl, tells her she’ll think about it, and leaves
the store.
Once back home, Lia goes online, determined to find her
pair of shoes on fabshoes.com. The homepage of her
browser displays an ad that catches her attention, for
cheapshoes.com. She clicks and notices that the brand
she’s crazy about is available, in a size 38, and on sale.
At the moment she wants to check out with her basket,
the estimated time for delivery is three weeks. A bit
long when Vanessa’s party is on Saturday! Fortunately,
the site offers a toll-free number for customer service.
Lia calls and after five minutes ("all our advisers are
busy, the estimated waiting time is two minutes"), an
operator answers and confirms that "yes, the delivery
time is usually three weeks". When Lia asks if it’s
possible to have them sooner, even undiscounted, the
adviser answers "no, the model isn’t in stock”.
Discouraged, Lia hangs up and decides to take her
shoes from last season to the shoe repair shop.
a-do-ra-ble
Illustration of a
B-to-C purchase
17
A simple example (see opposite page) of
these new consumer behaviours helps us
become aware of these transformations, in
which "exits" and opportunities to purchase
elsewhere are numerous, and can be the
cause of costs that are not converted
into sales for businesses. It illustrates that
solutions exist to make sure this customer
experience has a happy ending.
Which lessons should be learned from these
fromthesetwodifferentcustomerexperiences
that illustrate these new consumer habits?
1. Buyer behaviour is no longer linear.
Customers no longer follow the classic
scenario: information - choice – purchase –
payment – after-sales. In reality, these steps
are intertwined, and customers can start
again from scratch or leave the process
entirely given the abundance of choice on
offer, and faced with the fear of “doing a
bad deal”;
2. Channels are no longer dedicated to a
single step. Traditionally, at least for bricks-
and-mortar businesses, customers gathered
information via digital channels and carried
out transactions in the store. In reality, this
traditional model is often inversed, or at
least mixed: customers gather information
in the store (the phenomenon known as
showrooming) and then carry out the
transaction online, looking for the best price;
Online and offline convergence is a
fact, both in consumer behaviour and
in the investment plans of 85 percent of
those interviewed. However, although 48
percent have launched initiatives in this
area, 37 percent are still in an embryonic
stage. However, it is better to define this
convergence than to have it imposed upon
you. As the example of Léa illustrates,
consumers armed with smartphones and
flat rate subscriptions surf, chat, post and
tweet, while at the point of sale.
In fact, they themselves have already made
online and offline convergence a reality
(looking up product prices on the websites
of discounters, viewing product reviews
on specialised blogs, asking advice from
friends, etc.). However, businesses can still
pre-empt this by allowing their customers
to use all technological resources to
improve their experience and to maintain
customers’ intention to buy. Three aspects
are worth considering:
3.Allchannelsareimportant.Inthecomplex
world of continuous interaction between
device, location and channel, it is pointless
to sacrifice one channel in order to reduce
costs.Evencallcentresarebecomingcritical
again as consumers turn to them in case
of problems or serious questions, and thus
they still have high expectations from this
channel. Basically, all channels contribute
to the customer experience and if one of
them is disappointing, the entire customer
experience – and thus also the business –
suffers the consequences.
But how best to convert – and make loyal –
these new customers who are increasingly
omniscientandusingevermoredevices?We
thinkitisfutiletotrytoresistthefundamental
trendsthatareshapingconsumerbehaviour
today, however unpleasant this conclusion
may seem:
•	 Yes, consumers are changeable, fickle
and disloyal;
•	 Yes,theyabandonpurchaseprocesses
already extensively set in motion, which
have already mobilised major resources,
both in terms of machine time and man-
hours in the sales force;
•	 Yes, the worst among them are able
and willing to do their showrooming in
our costly stores and then knowingly
make their purchase online via a third
party ecommerce site to save EUR 10.
•	 How to introduce technology for
consumers at the point of sale, in order
to improve their customer experience?
•	 How to improve the efficiency of
salespeople thanks to new devices,
typically tablets? Indeed, tablets are
more than just gadgets: they profoundly
modify the sales or advice process
by creating a new attitude. This new
attitude allows salespeople to make their
sales talk more relevant (for example by
accessing customer information), and to
share information with the customer
(by giving a demonstration in which the
customer participates) while benefiting
from the power of the interface (a tactile
multi-touch screen, for example);
•	 And inversely, how to re-inject the
human element into remote or digital
channels, by increasing the number of
chat experiences, community spaces,
web call-backs or in-store appointments
made via the website?
Three
observations:
buyer
behaviour
is no longer
linear,
channels are
no longer
dedicated to a
single step in
the purchase
process, and
all channels
remain
important.
Ensuring online and offline convergence
18
used to create flows towards the physical
stores. France does this rather well for
instance with drive-in pickups, whereby
the customer comes to collect goods
ordered online. It’s also necessary to
move beyond this shared logistics flow
by cross-selling offerings to customers
when they come to collect their
packages (for example, coupons for
trying new products), or capitalising on
the opportunity created by customers’
waiting time to propose trial offers for
new products to them;
•	 To achieve this, it is indispensable
to simultaneously create bridges
between channels, but also to reinforce
the transmission and use of data in real
time, sometimes even between partners
(for example, between a brand and a
distributor). Thus the interoperability
of experiences becomes less important,
in favour of the interoperability of
knowledge of the customer the offerings.
Ensuring the cross-
fertilisation of channels
The era of multichannel is past: long live
cross-fertilisation! Channels need to be
more than merely interoperable (even
if this remains a priority for the years
ahead for 23 percent of those surveyed
compared to only 10 percent in 2012).
They also have to feed each other, so
as to recover customers tempted by
an “exit” by finding a way to lure them
back, or to capture them as they arrive
from elsewhere. The following examples
help make this concept more concrete:
•	 The physical store cannot be only
a place for showcasing and selling. It
also has to be a place where customers’
tastes, identity and characteristics are
recorded and used by all channels and
even partners;
•	 Inversely, the website needs to be
MORE THAN THE
INTEROPERABILITY OF
CUSTOMER EXPERIENCES,
LEADERS ARE EMPHASISING
THE INTEROPERABILITY OF
KNOWLEDGE OF THE CUSTOMER
AND OFFERINGS, AND THE
CROSS-FERTIISATION OF
CHANNELS.
Convergence
between online and
offline channels is
considered to be a
priority for
85%of executives
polled.
19
Rethinking the role of
every channel
Lastly, it’s necessary to profoundly rethink
the role of every channel. Today channels
are locked into traditional roles (buy in the
store, get information from the call centre),
or operated according to a financially driven
logic (pushing customers into self-service
via the internet). The time has come to
leave this model behind to reposition the
dominant role of every channel:
•	 The physical network has to be what
customers want it to be, a showroom,
a space for advice where customers
come seeking expertise. The heart of
the matter is then to find a way to make
these investments profitable. For strong
brands or paradoxically for pure internet
players, the physical presence enables
them to reinforce the anchoring of their
business in the minds of consumers, and
may even reinforce trust. The physical
site (which we no longer dare call store,
boutique or branch) has become a
publicity investment. For the others,
the logic of partnership, which makes it
possible to extend the offering and to take
advantage of knowledge of customers
acquired during interactions with them, is
a credible route to follow. The physical site
is thus becoming a relationship service for
other players: delivery of goods ordered
online, a platform for leveraging customer
knowledge, a location for providing after-
sales service, a place to demonstrate
new products. The traditional store is
becoming a little bit of all of these things,
and the distributors of tomorrow will be
able to create an ecosystem by partnering
with brands;
•	 The website is once again the all-
purpose channel, with the exception
obviously of physical contact, or when
seeking advice or information that is
urgent or very specific. Websites have
been adapted and enriched, but the
customer experience has become more
complex. It is thus necessary to build up
the site not around sections but rather
around customer experiences, which
bring together all information regarding
a question rather than according to
topics. Take the example of arriving on
a banking website after clicking on a
sponsored savings account link. The
visitor needs to receive all the information
(commercial information, but also way of
working and after-sales service) related
to this product, rather than be confronted
with a traditionally organised website:
presentation of all products, registration,
after-sales service, etc.;
•	 The case for call centres is specific.
Long considered a cost centre, businesses
are beginning to rediscover this channel,
driven by several phenomena. On the
one hand, consumers only call when it’s
important, after having used all other
means at their disposal, via self-service or
social networks. On the other hand, the
desire to control costs has led businesses
to allow the quality of this channel to
degrade, which has a negative impact
on the entire customer experience. The
call centre thus has to reinforce the
relationship by becoming what it should
always have been: a channel for resolving
the most complex problems of customers,
whose purpose is to help them. The goal:
to generate attachment and satisfaction,
without being obsessively fixated on
average call handling time;
All channels remain important, even
if they are increasing in number,
because they all contribute to the
customer experience: physical
network, internet, call centre,
mobiles, tablet, etc.
20
•	 Mobiles and tablets are a priority for 31
percent of people interviewed compared
to 21 percent in 2012. Businesses need to
leverage the possibilities offered by these
new terminals: they offer a way to interact
with the environment anywhere (including
at the point of sale) and anytime. In CSC’s
opinion, businesses need to capitalise upon
consumers’ hunger for mobility by:
-- Renewing customer interest in the
point of sale by offering them means to
interact (2D barcodes and soon NFC)
to gather more information;
-- Capturing customers by way of
promotional offers on the product they
are discovering in a rival store (this is
the "delivered to you tomorrow" service
offered by an e-commerce leader that
enables customers to scan the barcode
of a product in a rival store run by a
competitor);
-- Using geolocation to send customers
promotional or test offers when they
are nearby;
-- Smoothing interaction in the context
of an enriched sales dialogue between
the salesperson and customer, wherever
the latter may be.
Thus these new mobile or nomadic
terminals can become a way of enriching
the customer experience at the point of
sale or on site with the customer, and are
a new type of "last chance marketing"
when they are elsewhere.
All channels remain important: even if
they are increasing in number, they all
contribute to the customer experience.
In this respect, it is worth noting that
consumers compare all the experiences
they have had, regardless of sector.
When Léa changes telecom operator or
bank, she will benchmark them against
shoesclicksandmortar.com.
The people surveyed agree with this
conclusion: they consider all channels
to be (very) important, ranging from 63
percent (social networks) to 80 percent
(call centres), in both B-to-B and B-to-C
segments.
Businesses need to
leverage the functionalities
behind the essence of
what these new terminals
are: a means to interact
with the environment
anywhere and anytime.
If businesses want to respond to these new
challenges, they need to stop hankering for
a return to a pre-convergence world. They
may deplore certain recent developments
in consumer behaviour, but it is far better
to understand them in order to make the
most of them. CSC feels that businesses
need to:
• Launch projects that will make it
possible to understand the fundamental
expectations of customers vis-à-vis each
channel, without limits. By way of an
extreme example, imagine a store in which
no purchases are made, but which would
serve for all other steps of the purchase
process (the flagship concept). That will
enable a genuine reversal of the traditional
roles of the main channels;
• Approach the customer experience in
its entirety to create a coherent whole,
including all channels that can potentially
be used as well as all partners and service
providers;
•	 Model the purchase process not
as a linear process but rather as a
group of related steps with multiple
“entrances” and “exits”. The issue is thus
not so much to create a single coherent
purchase process, but rather to bring
together all customer processes to
capture, process and retain customers
in a coherent manner with partners and
service providers associated with every
step (delivery, after-sales service, etc.);
•	 Design and implement relevant
partnerships that will make it possible to
better steer all purchase processes and
take advantage of shared knowledge
of the customer. We recommend
exploring partnerships between brands
and distributors, but also between
ecommerce sites and bricks & mortar
retail chains, or between parties offering
very similar consumption environments
in terms of targets. It’s worth noting
that this matter is considered crucial by
those surveyed, given that 32 percent
consider integration of partners as
the main obstacle to the further
development of customer intimacy
(item listed number 1);
•	 Equip themselves with the capability
to collect and use in real time all
information gathered about customers,
and make it available to all channels and
partners. Fortunately the technologies
available today enable this to be
accomplished rapidly, without major
investments, and can be adapted to the
needs of every business:
-- Cloud computing makes it possible to
adapt the capacity required exactly to
the specific needs, instantaneously;
-- Big data enables any business to have
access to processing power and fine
analysis, even of unstructured data,
the likes of which were unimaginable
only two years ago. Furthermore, 53
percent of those interviewed reported
having a project in this area;
-- Offer management in real time makes
it possible to identify the most suitable
sales strategies in function of the
context and customer profile. The
matter of processing and using data
in real time is one that is perceived as
key by those interviewed: 60 percent
of them list real time processing (for
purposes of marketing or to correct
process errors) as one of the main
uses for customer data.
As a result businesses need to transform
their operating model. Marketing, sales
and distribution processes, information
systems, organisation, corporate culture and
management control systems all need to
converge to embrace these new consumer
behaviours, to ensure the satisfaction of
these new customers, both in the B-to-C
and B-to-B segments.
The convergence of customer intimacy, a necessary
transformation for organisations
32%of respondents
consider the
integration of
partners as the
main obstacle to the
further development
of customer intimacy
21
THE CONVERGENCE IN
CUSTOMER INTIMACY IS
FORCING ORGANISATIONS TO
RETHINK THEIR OPERATIONAL
MODEL TO FAVOUR CUSTOMER
SATISFACTION, IN BOTH B-TO-C
AND B-TO-B.
22
23
results2customer intimacy barometer 2013
24
19 %
8 %
11 %
10 % 15 %
37 %
Industrie
Commerce, Distribution
et PGC
Finance et Assurance
Transport
Secteur Public
Autres secteurs
50 %
20 %
19 %
9 %
3 %
500 à 999 salariés
1 000 à 2 999 salariés
6 000 à 9 999 salariés
3 000 à 5 999 salariés
> 10 000 salariés
91 %
9 %
Non
Oui
18 %
66 %
17 %
Clients particuliers (B to C)
Clients entreprises et
organismes publics (B to B)
Tous types de clientèle
(B to C, B to B ou B to B to C)
Activity sector
Size of organisation
Presence of a physical
distribution network
Geographic origin
Type of customers
Breakdown of responses
The 102 interviews were carried out in six European countries: France, Italy, the United Kingdom, Germany, Spain and Belgium. The panel of
respondents was drawn exclusively from organisations employing over 500 people. The majority of the organisations polled have between
500 and 2,999 permanent employees. The breakdown of interviews by activity sector reveals that the majority of the organisations polled
are in the industrial and financial services sectors. Two thirds of the interviews were carried out among organisations selling to both private
individuals (B-to-C) and businesses or the public sector (B-to-B). Only one third of the organisations polled sell specifically to only B-to-C
or B-to-B (an equal proportion of both).
102 interviews carried out in six European countries (Germany, Belgium, Spain, France, Italy and the United Kingdom).
Targets: Directors and Managers from the Marketing, Sales, Distribution and Customer Relationship Management / Customer
Service departments. 19 questions were asked regarding five main topics:
•	 Strategic alignment;
•	 Customer processes and organisation;
•	 Cross-channel;
•	 Use of customer information;
•	 Summary and obstacles/difficulties encountered in the development of a customer intimacy policy.
Coverage of the survey
24 %
17 %
22 %
17 %
17 %
5 %
Italie
France
Espagne
Royaume-Uni
Allemagne
Belgique
Industry
Commerce, distribution and FMCG
Transport
Finance and insurance
Public sector
Other sectors
All types of customer
(B-to-C, B-to-B or B-to-B-to-C)
Private individuals (B-to-C)
Businesses and public
sector (B-to-B)
500 to 999 employees
1,000 to 2,999 employees
3,000 to 5,999 employees
6,000 to 9,999 employees
> 10,000 employees
No
Yes
Italy
France
UK
Spain
Germany
Belgium
25
1- Strategic alignment
Contrary to last year, customer intimacy is only ranked as the 2nd most important element of strategic differentiation, mentioned by 34
percent of respondents. Strategies prioritising operational excellence are the leaders this year, with almost half of respondents listing this as
a priority. Where these two elements meet, organisations are focusing on the excellence of the customer relationship (quality of interaction,
relevance and interoperability of channels offered, etc.). As much as 2012 saw an emphasis on investing in the offering (simplicity, legibility
and involvement of customers in the design / creation of new products and services), 2013 is seeing the rise of strategies that put the
excellence of the customer experience back at the heart of respondents’ concerns.
For more details on the CSC value disciplines model, please see section 5 of this document .
B-to-C (or B-to-B-to-C) organisations seem indecisive, no item stands out clearly among the responses on behalf of organisations to the
fickle behaviour of individual consumers. However, two points seem important:
• In 2013, the focus seems to be on increasing loyalty rather than just acquiring clients;
• The quality of the customer experience, and the ability to respond adequately to all queries and all interactions, appear to be priorities.
It is worth noting that even if the convergence between online and offline is a major theme to be addressed in 2013, it has not yet been totally
integrated into organisations’ strategies.
Major element of strategic differentiation
Response to the impact on the customer relationship of the drop in purchasing
power of households (Base: 84 respondents, B-to-C or B-to-B-to-C)
34 %
46 %
20 % Intimité Client
Excellence Opérationnelle
Supériorité Produit
41 %
26 %
33 %
Convergence des canaux on et off-line, intégration croissante
du rôle du mobile (smartphones, tablettes…)
et création d'une expérience très fluide cross-canal
Personnalisation de masse afin de répondre à chaque client
de manière spécifique, en s'adressant à un large marché
Lancement de nouvelles offres plus simples,
plus lisibles, afin de maîtriser les prix de vente
Fidélisation des meilleurs clients, quitte à perdre
des parts de marché sur les segments les moins contributifs
Création d'une expérience unique
d'amont en aval du parcours client
3,2
54 %
3,1
3
3
41 %
2,8
Classement sur une échelle de priorité de 1 à 5,
1 étant le moins prioritaire, 5 le plus prioritaire Results 2012 Barometer
Customer Intimacy Barometer 2013
Classification according to an order of priority from
1 to 5, 1 having the lowest priority, 5 the highest
Creation of a single customer experience from upstream to
downstream in the purchase process
Increasing the loyalty of the best customers, or lose market
share in segments which contribute the least
Launch new offers, simpler, more legible,
in order to control sales prices
Mass personalisation in order to respond to every customer in
a specific manner, by addressing a broad market
Convergence of online and offline channels, increasing
integration of the role of mobility (smartphones, tablets, etc.)
and creation of a very fluid cross-channel experience
Customer intimacy
Operational excellence
Product superiority
26
Organisations serving the B-to-B and B-to-B-to-C (in this case business customers) responded to the crisis by increasing the number of
"physical" interactions with their customers: a stronger presence of salespeople “in the field”. In addition, the equipment available to support
the nomadic activity of salespeople was reinforced, both to improve commercial efficiency (productivity) and to increase the impact of the
sales dialogue with customers. On the other hand, the development of digital channels seems to be slowing, as the role of the human element
is gaining in importance.
In the same line as in 2012, the ongoing integration of customers as genuine partners of the organisation has been confirmed. Almost
30 percent of respondents (compared to 18 percent in 2012) consider it important to involve customers in the main operational
processes for the design and development of offerings, as well as in the process of distribution / commercialisation. This approach
offers a means to better understand their purchasing behaviour, and to adapt systems correspondingly to increase conversion rates
in an environment in which versatility and volatility are key aspects of buyer behaviour.
Response to the impact on the customer relationship of the drop in business
budgets (Base: 85 respondents, B-to-C or B-to-B-to-C)
Current level of maturity of organisations
Développement du rôle des canaux dématérialisés afin
de mieux maîtriser les frais commerciaux et de distribution
Equipement massif des forces de vente en outils de mobilité (tablettes…) :
améliorer l'impact sur le discours commercial
Equipement massif des forces de vente en outils de mobilité (tablettes…) :
améliorer la productivité, mieux cibler les investissements en temps,
en fonction des différentes catégories de clients
Investissements dans le réseau de distribution afin de
bien traiter toutes les interactions avec les clients
Echanges plus fréguents avec les clients : bien comprendre besoins
et contraintes (notamment financières), adapter les offres en conséquence
3,6
54 %
3,1
2,9
2,7
41 %
2,6
Classement sur une échelle de priorité de 1 à 5,
1 étant le moins prioritaire, 5 le plus prioritaire
28 %
25 %
29 %
6 %
11 %
Clients peu / mal connus, raisonnement
en termes de produits / services offerts et
de transactions réalisées
Clients identifiés, reconnus à chaque contact
Mise en place de dispositifs d’écoute des clients
afin d’améliorer l’offre et de mieux les servir
Anticipation des besoins des clients via une écoute
systématique, intégrant leurs attentes d’évolution
Clients = partenaires, associés aux principaux
processus de l’organisation (conception d’offres,
commercialisation, après-vente…)
7 %
14 %
34 %
18 %
27 %
1 – Strategic alignment
More frequent interaction with customers: understand needs and constraints
(in particular financial) well, adapt offerings accordingly
Investments in the distribution network in order to handle
all interactions with customers well
Large-scale deployment among the sales force of mobility tools (tablets, etc.):
improve productivity, better target investments over time, in function of the various
categories of customers
Large-scale deployment among the sales force of mobility tools (tablets, etc.):
improve the impact of the sales dialogue
Development of the role of digital channels in order
to better control sales and distribution costs
Customers little / poorly understood, reasoning in
terms of products / services offered and transactions
concluded
Customers identified, recognised at every contact
Implementation of systems to listen to customers in order
to improve the offering and serve them better
Anticipation of customer needs via systematic listening,
integrating their expectations for evolution
Customers = partners, involved in the main organisational
processes (design of the offering, commercialisation, after-
sales service)
Classification according to an order of priority from 1 to 5, 1
having the lowest priority, 5 the highest
27
The main challenge linked to the further development of customer intimacy this year again remains the simplification of the
customer experience and the improvement of the quality of the interactions between the organisation and its customers,
across all commercial and interaction channels. But here again organisations are very divided, breaking down equally between
the quest for profitability (focusing on loyal, often more profitable, customers), volume (increased revenues, sometimes to the
detriment of margins and long-term profitability), and personalisation of the offering with a view to increase conversion rates.
Is 2013 thus a year of indecisiveness?
Main objective for follow-up in the further development of customer intimacy
Main actions taken in the past two years to further develop customer intimacy
Equipement des forces de vente en tablettes
pour améliorer l'efficacité commerciale
Utilisation des médias sociaux avec un objectif commercial
Prise de parole sur les médias sociaux (intégrant l’e-réputation)
Développement de la politique marketing / commerciale sur
les canaux mobiles (smartphones, tablettes…)
Unification et enrichissement de la base clients
Fluidification et interopérabilité des canaux de distribution (multicanal)
Rapprochement des organisations marketing, commerciales et
services pour assurer la cohérence des actions
Personnalisation de la relation client sur l'ensemble des canaux
Personnalisation de l'offre pour répondre au mieux aux attentes client
Développement de la rétention via des actions de fidélisation 35 %
33 %
33 %
33 %
28 %
22 %
22 %
21 %
19 %
17 %
23 %
60 %
32 %
34 %
19 %
25 %
23 %
12 %
25 %
26 %
29 %
20 %
25 %
Développer le CA en favorisant la fidélisation,
les ventes récurrentes : logique de volumes
Adapter l’offre pour gagner de nouveaux clients
en répondant mieux à leurs besoins
Simplifier l’expérience client et améliorer la qualité
des interactions pour réduire les coûts en augmentant
le taux de satisfaction
Améliorer la rentabilité unitaire de chaque client,
en restant sélectif
22 %
31 %
9 %
38 %
In 2013, organisations feel that many tactical elements are important. Unlike in 2012 when personalisation of the offering was
mentioned by 60 percent of those interviewed, this item has weakened in favour of strategies for increasing customer loyalty and
retention. Organisations, often inward looking, are focusing primarily on their “installed base” of customers, and thanks to bringing
the marketing, sales and distribution departments closer together, have reinforced the personalised aspect of the relationships
they maintain with their customers. It is worth noting that in the course of the past two years – as illustrated by the summary of the
Customer Intimacy Barometer (see section 1) – almost 30 percent of the organisations surveyed have invested in the fluidity and
interoperability of the channels for interaction offered to their customers (compared to only 19 percent in 2012).
Further development of retention via actions to boost loyalty
Personalisation of the offering to better respond to customer needs
Personalisation of the customer relationship across all channels
Bringing the marketing, sales and services organisations closer
together to ensure the coherence of actions
Increase fluidity and interoperability of distribution channels
(multichannel)
Unification and enrichment of the customer base
Development of the marketing / sales policy for mobile channels
(smartphones, tablets, etc.)
Communication via social networks
(integration of e-reputation management)
Use of social media with a commercial objective
Equip sales force with tablets to improve sales efficiency
Increase revenue by favouring loyalty
and recurrent sales: volume-driven logic
Adapt the offering to attract new customers
by better responding to their needs
Simplify the customer experience and improve the quality of
interactions to reduce costs by increasing the level of satisfaction
Improve the individual profitability of each customer,
by remaining selective
Customer Intimacy Barometer 2013
Results 2012 Barometer
28
The priorities for the coming two years are the personalisation of the offering, improving the responsiveness and the quality of interactions,
and reinforcing the interoperability of channels. It is worth noting that this last item has become a high priority compared to the previous
year (when it was mentioned by only 10 percent of those interviewed, compared to 23 percent this year), whereas the two other items have
remained relatively stable at 27-30 percent each. This interoperability of channels is accompanied by the development and leveraging of the
knowledge of the customer, which explains the priority given to big data projects, ranked 4th with 22 percent of respondents (compared to
only 12 percent in 2012, ranked in 9th position out of 10).
Priority projects to be carried out in the coming two years to further develop
customer intimacy
Equipement des équipes commerciales et
services avec des terminaux mobiles
Mise en place de programmes d'animation relationnelle
Analyse multidimensionnelle, prédictive, scoring…
Renforcement de la présence sur les médias sociaux
Renforcement des canaux permettant d'atteindre nos clients
en situation de mobilité (smartphones, tablettes…)
Amélioration des relations entre le marketing,
les ventes et le service client
Projet de Big Data afin d'enrichir le recueil, la structuration
et l'exploitation de nos informations client
Renforcement de l'interopérabilité des canaux
de distribution / d'interaction client
Amélioration de la réactivité et de
la qualité des interactions client
Personnalisation de l'offre pour répondre
au mieux aux attentes client
30 %
27 %
23 %
22 %
22 %
18 %
15 %
11 %
11 %
10 %
35 %
22 %
10 %
12 %
17 %
15 %
23 %
23 %
14 %
4 %
1 – Strategic alignment
Personalisation of the offering to better
respond to customer expectations
Improve the responsiveness and quality of customer interaction
Reinforce the interoperability of channels for
distribution / customer interaction
Big data project in order to enrich collecting, structuring and
processing of customer information
Improvement of relationship between marketing,
sales and customer service
Reinforce channels that enable interaction with customers when
mobile (via smartphones, tablets, etc.)
Reinforcing presence in the social media
Multi-dimensional and predictive analysis, scoring, etc.
Implementation of programmes designed to bring the customer
relationship to life
Equip sales force and customer service teams
with mobile terminals
29
2- Customer processes and organisation
In 2013, the departments addressing issues linked to customers (marketing, sales and customer service) seem better integrated, even if a
majority of the organisations structure them in an independent manner. This is one of the conditions for the successful implementation of
strategies that enable the convergence of online and offline.
Structuring the organisation to manage customer intimacy
54 %
35 %
11 %
Clients gérés par plusieurs directions interagissant
selon leurs propres objectifs
Relation client gérée au sein de plusieurs directions
très fortement intégrées bien qu’indépendantes
Fonctions commerciale, marketing et service client
unifiées sous une seule direction
15 %
45 %
40 %
Customers managed by several departments which interact
according to their own objectives
Customer relationship managed within several highly integrated
(but independent) departments
Sales, marketing and customer service brought together in a
single department
Customer Intimacy Barometer 2013
Results 2012 Barometer
30
3- Cross-channel
In 2013, all channels seem to be important and the answers given by those surveyed are much less clearly divided than in 2012. In this period
of convergence between online and offline, these answers tend to show that all channels have a role to play in the ability of organisations
to build deep and lasting relationships with their customers. In addition to the social media (which have grown into fully-fledged media in
2013 and seem to be integrated to the same extent as more traditional media), all other channels have regained a position they seemed to
have somewhat lost in 2012. It is worth noting that call centres (which are increasingly making a qualitative contribution to closing sales)
are once again becoming a channel judged to be key by 80 percent of those interviewed. The same holds true for new terminals (mobiles,
smartphones, tablets, etc.), which are securing a privileged place in the mix of channels, as a result of an environment in which customers
interact without regard for time or place.
Importance of the channels used to interact with customers
Top 2 (A+B)
A- Très important
B- Important
C- Moyennement important
D- Peu important
E- Pas du tout important
Ne s’applique pas à mon organisation
Médias sociaux
Réseau physique (magasin, boutique, agence…)
Courrier papier, mail
Commerciaux “terrain”
Site Internet (et Extranet en B to B), y compris self-care
Nouveaux terminaux (mobiles, smartphones, tablettes…)
Centres d'appels (réception et émission d'appels)
80 %
76 %
76 %
75 %
74 %
73 %
63 %
39 %
30 %
71 %
44 %
52 %
42 %
36 %
Call centres (inbound and outbound calls)
New terminals (mobiles, smartphones, tablets, etc.)
Internet site (and extranets for B-to-B), including self-service
Salespeople “in the field”
Post, email
Physical network (store, boutique, branch, etc.)
Social media
Top 2 (A+B)
A- Very important
B- Important
C- Moderately important
D- Not very important
E- Not at all important
Not applicable to my organisation
31
Organisations selling to private individuals do not consider any one channel to be more important than another. The highly heterogeneous
responses observed tend to illustrate strategies in which customers are treated well everywhere and in all the channels made available
to them. Those interviewed seem to recognise the need to no longer consider the purchase process as linear, and will in future adapt by
bringing together all the various purchase processes to attract, handle and retain their customers, in a coherent manner, involving partners
and service providers associated with each step (delivery, after-sales support, etc.).
In 2013, digital channels remain a development priority for organisations: the internet, extranets and the social media. More interestingly,
other channels are also becoming priorities, whether new terminals, the physical network or salespeople “in the field”. Organisations have
understood that their ability to ensure interoperability among all their channels, to reduce the likelihood that customers “escape” after an
interaction, is a key challenge. The result is a cross-channel investment strategy that extends beyond just the digital channels.
Consequences for organisations of the evolution of the interaction with
customers/consumers as a result of new communication devices (Base: 84
respondents, B-to-C or B-to-B-to-C)
Channels to be given a high priority for development in the next two years
Offrir la possibilité aux clients qui viennent en point de vente physique
de se renseigner directement depuis leurs mobiles sur le lieu de vente
Faire converger tous les dispositifs on et off-line afin de les rendre
très complémentaires et d'offrir une expérience d'achat la plus fluide possible
S'adapter à des clients de plus en plus mobiles, en leur offrant
la possibilité d'interagir à tout moment avec nous
2,1
2
1,9
Classement sur une échelle de priorité de 1 à 3,
1 étant le moins prioritaire, 3 le plus prioritaire
Courrier papier, mail
Centres d'appels (réception et émission d'appels)
Commerciaux “terrain”
Réseau physique (magasin, boutique, agence…)
Nouveaux terminaux pour adresser les clients en situation
de mobilité (mobile, smartphones, tablettes…)
Médias sociaux
Site Internet (et Extranet en B to B), y compris self-care 42 %
36 %
31 %
25 %
21 %
18 %
12 %
60 %
38 %
21 %
17 %
26 %
17 %
8 %
Internet site (and extranets in B to B), including self-service
Social media
New terminals to address customers on the move
(mobiles, smartphones, tablets, etc.)
Physical networks (store, boutique, branch, etc.)
Salespeople “in the field”
Call centres (inbound and outbound calls)
Post, email
Adapt to increasingly mobile customers by offering the possibility to
interact at any time
Ensure the convergence of online and offline systems in order to make
them highly complementary and to offer a customer experience which is
as smooth as possible
Offer customers that visit the physical point of sale the possibility to
gather information directly via their mobile devices at the point of sale
Classification according to an order of priority from 1 to 3,
1 having the lowest priority, 3 the highest
Customer Intimacy Barometer 2013
Results 2012 Barometer
32
Similarly to the private market, organisations addressing professional customers (B-to-B and B-to-B-to-C via distribution intermediaries)
are seeking both to respond to customers’ expectations of autonomy (by making digital channels available to them), while reinforcing their
presence directly beside them, by way of sales forces “in the field” that are better equipped with mobile terminals (for reasons of improved
productivity and sales efficiency when in nomadic situations).
Confirming the trend already observed in 2012, the 2013 results illustrate the complementary nature of virtual and physical interaction in the
channel mix. After a year in which the (re)investment in the human relationship was significant, the rate should slow in 2013 with a suitable
balance between human and virtual interaction (almost half of those interviewed think that the role of the human element will stabilise in 2013).
Consequences of the use of new devices in terms of improvement of the
productivity and efficiency of the sales force when dealing with professional
customers (Base: 85 respondents, B-to-C or B-to-B-to-C)
Predicted evolution of the role of the human element – and thus physical
channels – compared to digital channels
Equiper l'ensemble des forces de vente de terminaux
mobiles afin d'améliorer l'impact de leur discours commercial
Développer des canaux dématérialisés (sites Internet, sites pour mobiles…)
afin de répondre aux attentes clients en matière d'autonomie
Equiper l'ensemble des forces de vente de terminaux
mobiles afin de rendre leurs interactions plus rapides et/ou plus productives
2
2
1,9
Classement sur une échelle de priorité de 1 à 3,
1 étant le moins prioritaire, 3 le plus prioritaire
22 %
27 %
6 %
45 %
Stabilité par rapport à aujourd’hui
Fort développement du rôle de l’humain
Hétérogénéité (mix entre contact réel
et dématérialisé selon les étapes du
parcours client)
Disparition progressive du rôle de l’humain
au profit du développement de relations
dématérialisées
29 %
6 %
38 %
27 %
3- cross-channel
Equip the entire sales force with mobile terminals to make their
interactions more rapid and/or productive
Further develop digital channels (websites, sites for mobiles, etc.) in
response to customer expectations in terms of autonomy
Equip the entire sales force with mobile terminals to increase the impact
of their sales dialogue
Classification according to an order of priority from 1 to 3,
1 having the lowest priority, 3 the highest
Stable compared to today
Strong development in the role of the human element
Heterogeneity (mix of real and virtual contact according to the
steps of the purchase process)
Gradual disappearance of the human element in favour of the
further development of virtual relationships
33
In 2013, organisations seem to have become aware that the interoperability of channels is not something to be taken for granted. Unlike
in 2012 when many respondents felt that they were able to treat their customers well and in a coherent manner across the entire mix of
channels, in 2013 55 percent of respondents recognise that their systems are not optimal:
•	 27 percent of respondents offer several channels for interaction, but without genuine interoperability;
•	 28 percent of respondents are still primarily mono-channel, even though their customers have multichannel expectations.
The evolution in consumer behaviour and habits has raised doubts in organisations about their positioning, and is forcing them to reconsider
the relevance of their systems.
A striking result from the 2013 Barometer: 85 percent of those polled consider the convergence between online and offline systems to be
a priority. Their organisations have already invested in projects within their physical network (48 percent of respondents), or they are in the
initial stages of planning in this context (37 percent of respondents). These results illustrate the need for many organisations to focus their
efforts in 2013 on rethinking their approach to the customer experience in terms of this convergence.
Positioning of the organisation in terms of cross-channel management
Convergence between online and offline (Base: 93 respondents, presence of a
physical distribution network)
27 %
28 %
15 %
29 %
Propose aux clients plusieurs canaux
d’interaction réellement interopérables
Est majoritairement monocanal : bien que
les clients aient de réelles attentes en matière
de multicanal
Propose aux clients plusieurs canaux d’interactions
pas réellement interopérables
Est majoritairement monocanal : cela correspond
aux attentes client
39 %
23 %
21 %
17 %
12 %
37 %
3 %
48 %
Nous travaillons déjà sur la convergence on et
off-line via l’usage des technologies Internet au sein
des points de vente
Notre réflexion est embryonnaire
Nous n’avons pas de projet car nous considérons
que cette convergence ne sera pas un enjeu clé en 2013
Nous ne sommes pas concernés du fait de nos
structures de distribution ou des attentes limitées
de nos clients
Offer customers several genuinely interoperable channels for
interaction
Primarily mono-channel even though customers have real
multichannel expectations
Offer customers several channels for interaction that are not
genuinely interoperable
Primarily mono-channel which corresponds to customer
expectations
We are already working on convergence of online and offline by using
internet technologies in our points of sale
Our thinking is still in its initial stages
We do not have a project in this area because we do not think this
convergence will be a key challenge in 2013
This is not applicable to us thanks to our distribution structure or the
expectations of our customers
Customer Intimacy Barometer 2013
Results 2012 Barometer
34
4- Use of information
75 percent of the organisations interviewed feel that Big Data is relevant for them (or at least better gathering and use of information about
customers collected during each interaction). More than half of them have launched or plan to launch projects in this regard. At a time when
customer behaviour is evolving rapidly, organisations have clearly understood that the best way to convert them or increase their loyalty is to
know and recognise them at every interaction.
Usage of new means of gathering and using information about customers
(“big data”)
Projet trop complexe à mettre en œuvre / peu adapté à notre organisation
Technologies utilisées pour mieux comprendre
les clients et analyser leurs comportements (mode réactif et prédictif)
Lancement (effectif ou prévu) de projet de type “Big Data”
afin de mieux exploiter la masse d'informations accumulées sur les clients
53 %
36 %
25 %
Très faible utilisation des informations (collecte “au cas où”)
Utilisation des informations de manière très réactive pour
corriger des problèmes d'organisation ou de processus
Utilisation des informations de manière
réactive pour améliorer l'offre
Partage de l'information collectée avec les autres départements,
utilisation pour améliorer globalement la qualité des interactions
Utilisation des informations collectées à des fins
principalement marketing
Intégration systématique des informations dans les
phases amont de conception de nouveaux produits
34 %
34 %
32 %
31 %
26 %
14 %
22 %
12 %
45 %
38 %
37 %
10 %
Main uses of customer information gathered
In addition to using information to improve the quality of interaction (which is often a matter for the channels themselves), organisations
are focusing on two key matters:
•   The use of information gathered to improve the design of offerings proposed to customers (for one third of respondents);
•   The use of this information for primarily marketing purposes (namely scoring and pushing offerings in real time, providing more fine-
tuned responses to enquiries, relationship marketing, etc.).
It is worth noting that the use of information to improve organisational processes or shortcomings seems less of a priority than the previous
year, the challenge being more in the use of data in real time (in terms of “what should be done with the information just received in order
to close the sale?”).
Launch (effective or planned) of a “big data” project
in order to make better use of the mass of information gathered about
customers
Technologies used to better understand customers and analyse their
behaviour (reactive and predictive mode)
Project too complex to be implemented or little suited to our
organisation
Systematic integration of information in the upstream phases of
new product design
Use of information gathered mainly for marketing purposes
Sharing information collected with other departments, and using it
to improve the overall quality of interaction
Use of information in a responsive manner to improve the offering
Use of information in a highly responsive manner to correct
organisational processes or problems
Very limited use of information (gathered “just in case”)
35
A key lesson from the 2013 Customer Intimacy Barometer: organisations seem to have carried out a major realignment to facilitate the
implementation of a customer intimacy strategy. Between 75 and 80 percent of those surveyed feel their positioning is coherent on the
various items that make it possible to evaluate this alignment. The further development of a multichannel approach seems to be a priority,
as does the coherence of processes and the organisation, as well as the ability to propose services that support the primary offering.
In terms of alignment of the elements of the operational model on a strategy of customer intimacy (processes, organisation, information
systems, culture and management control systems), organisations feel that the main obstacle (for 32 percent of respondents) is their ability
to ensure the effective coherence of various partners and stakeholders (internal and external). This item is even more important given that,
in an environment in which customers are addressed from all sides, organisations cannot on their own meet all the needs expressed and
must thus develop strategic partnerships. These can be between brands and distributors, between ecommerce sites and bricks and mortar
store chains, or between businesses offering similar consumption environments in terms of target customer. These partnerships need to be
implemented with operators who share not only interests in terms of the targets to be addressed, but also in terms of values at a commercial
level and the way the customer intimacy and customer relationships are managed.
5- 	Summaryandobstacles/difficultiesencountered
in developing customer intimacy
Coherence of the positioning of the organisation in terms of customer intimacy
Main obstacles/difficulties encountered in the development of customer intimacy
Top 2 (A+B)
A- Tout à fait d’accord
B- D’accord
C- Ni en désaccord, ni en accord
D- Pas d’accord
E- Pas du tout d’accord
Exploitation de l'information collectée et
partage au sein de l'organisation
Différenciation des concurrents via
une politique de services innovante
Cohérence des processus et de
l'organisation, orientés vers le client
Alignement de la stratégie sur
le concept d'Intimité Client
Développement effectif
d'une approche multicanal
79 %
76 %
76 %
75 %
75 %
51 %
60 %
71 %
45 %
43 %
Attentes clients basiques, rendant difficile une
différenciation par la personnalisation de l'offre
Systèmes de pilotage axés sur la rentabilité produit
plus que client, vision trop court termiste
Réseaux de vente on et off-line insuffisamment convergents,
ne se nourrissant pas suffisamment l'un l'autre
Sous-investissement en termes
de systèmes d'information
Organisation très compartimentée, difficulté à définir
une politique et des objectifs communs autour du client
Culture tournée vers l'Excellence Opérationnelle
ou la Supériorité Produit
Grand nombre de partenaires dans la production de l'offre,
objectifs insuffisamment alignés sur le client
32 %
30 %
29 %
25 %
24 %
23 %
12 %
28 %
15 %
15 %
10 %
19 % 20 %
Effective development of a multichannel
approach
Strategic alignment on the concept of
customer intimacy
Coherence of processes and the
organisation, focused on the customer
Differentiation from competitors by way
of a policy of innovative services
Use of the information gathered and
sharing thereof within the organisation
Large number of partners involved in producing the offering,
objectives insufficiently aligned on the customer
Culture focused on operational excellence or product superiority
Highly compartmentalised organisation, difficulty in defining a
common policy and objectives focused on the customer
Under-investment in terms of information systems
Insufficient convergence between online and offline sales
network, do not feed each other enough
Management systems focused on product profitability rather
than customer, overly short-term vision
Basic customer expectations, making it difficult to differentiate on
the basis of personalisation of the offering
Top 2 (A+B)
A- Completely agree
B- Agree
C- Neither agree nor disagree
D- Disagree
E- Disagree completely
Customer Intimacy Barometer 2013
Results 2012 Barometer
36
37
testimonials3 customer intimacy barometer 2013
38
Laurent DechauxVICE PRESIDENT. Oracle Applications
"Businesses that are not
focusing on the customer
experience risk choosing and
implementing unsuitable tools."
39
testimonial
Thanks to the new cloud deployment mode, businesses can gradually
adapt solutions that smooth the customer relationship across all
channels. However, it’s important to be aware of the limitations of the
first generation of cloud solutions, which do not facilitate integration
with legacy information systems and risk creating silos again.
What evolution in consumer
behaviour are you observing?
Studies show that 86% of consumers
are willing to spend more in exchange
for better service or a better product.
They’re more volatile, more impatient and
demand recognition, regardless of the
communication channel. Today there are
many of these channels, and consumers
blithely hop from one to another, looking
for information, interacting, and making
concrete purchases. The rise of social
networks and the internet has given
consumers a means to exert pressure
on service quality to a previously unseen
extent.
How are your customers
responding to this evolution?
Our customers reacted to this new state
of affairs by first carrying out an in-depth
analysis of the customer experience of
their brand, in order to adapt both their
information systems (IS) and their sales
processes. They were in particular able
to adopt our solutions for smoothing
the purchase process and improving the
experience of their customers in every
channel: social networks, ecommerce,
call centres, etc. They also drew on the
capabilities of their people, who play
a key role in improving the customer
experience; studies demonstrated people
were highly motivated to participate in
these initiatives.
possible. We also offer tools that enable
our customers to relocate these solutions
within their own Information Systems in
case of need.
What are the limitations of
these SaaS solutions?
The first limitation is at the customer
side, where people still hesitate to move
their data into the cloud despite the
guarantees of security and separation that
these technologies offer today. Another
limitation can be the level of integration
needed between the solution and the
Information Systems already in place.
For example, the adoption of ecommerce
solutions in the cloud is not very well
developed taking into account the impact
on the supply chain, inventory, etc. But
here again, the solutions are improving
and we’re continuously working on making
the integration of processes easier, making
the Information Systems more flexible and
reducing the cost of ownership.
How do you support them?
The method they adopt – and which we
recommend – is to prioritise quick wins
in a given area or channel, check the
performance of the solution put in place
and then gradually extend it to other
channels. We help them to further develop
their IS so it’s able to respond to these
new consumer behaviours, and to improve
the capability of the brand to react more
quickly.Thisisachievedinparticularthrough
the use of SaaS solutions, thanks to which
today it is possible to deploy a complete
tool in less than three months, across all
channels (internet, mobile, ecommerce,
social networks, etc.), while guaranteeing
the integration of these channels and the
Information Systems already in place.
The key outcome: a far better customer
experience than was previously the case!
Does this type of solution have
any drawbacks?
Fewer and fewer, because the solutions are
improving. Whereas the first generation
of CRM tools in SaaS mode could recreate
silos by isolating customer relationship
management or the sales force from the
rest of the Information Systems, that’s no
longer the case with the current generation.
However, even though it has become
easier to implement a SaaS solution from a
functional point of view, the integration part
should not be underestimated. From our
side, we make sure that our technological
solutions are as standardised as possible
to enable the solutions to be integrated
as simply, quickly and non-intrusively as
40
Olivier DerrienVice President Southern Europe. Salesforce.com
"To capitalise on all the
opportunities for performance
improvement offered by social
media, businesses need to
transform themselves."
41
Confronted with the explosion of social networks, businesses are
adapting the manner in which they communicate both externally
and internally. But they still have to transform in order to take
advantage of the sources of growth to be exploited by placing the
customer at the centre.
What evolution are you
observing in customer
relationship management?
The relationship between customers
and brands has changed greatly. Cloud
computing, mobility, geolocation and social
networks have triggered a revolution in
consumer behaviour. The convergence
of these transformations offers new
possibilities for business applications that
reinforce the proximity that a brand can
have with every customer. Following in
the footsteps of clients of ours such as
Coca-Cola or Burberry, businesses need
to unify the experience at the point of sale
and on the internet in order to arrive at
a coherent customer experience, image
and communication.
Where are businesses finding the
main opportunities for growth?
The rise of social networks is profoundly
changing the way in which businesses can
improve their performance. These media
are a new channel for interaction and an
undeniable opportunity to reach new
customers. Today, there are cumulatively
4.5 billion social media users worldwide.
According to Gartner, by 2017, the budgets
available for marketing departments to
spend in this channel will exceed those
of IT departments.
How can you help businesses?
The “social front office” responds perfectly
to this need. Salesforce Marketing Cloud
enables marketing departments to
understand what is being said about the
brand on social networks, and to listen
and even to engage in conversation with
influencers, in order to learn concrete
lessons for the evolution of production,
or to launch marketing campaigns. Our
enterprise social media tool “Chatter”
enables teams to collaborate on matters
that interest them, internally as well as
externally, with partners and suppliers:
a commercial opportunity, a complaint,
a call… In this way, by improving the
communication between the various
stakeholdersinthebusiness,theycontribute
to reducing work in functional silos which
is an obstacle to increasing the flexibility
of the customer experience.
Are businesses aware of this?
They have at least understood that they
need to integrate these tools, even if only to
attract and retain employees. 70 percent of
companies are adopting social networks.
They have also identified the need to
modernise and transform themselves –
albeit at various speeds and levels of depth
– but they have not necessarily defined
the way in which their business model
will have to evolve to make use of these
sources of performance improvement,
in order to centre their operations even
more on the customer.
What is your advice to them?
When managing the customer relationship,
businesses should put in place tools that
work in the same way and have the same
interface,andstructuretheircommunication
accordingly. Knowing what to say and
when to say it on a Facebook page isn’t
necessarily obvious. In the social media,
the rhythm and impact of communication
are fundamentally different. To adapt to
this, you must first be capable of listening
to and understanding what is being said
about the brand.
testimonial
42
Arnaud Deschampsmanaging director. Nespresso France
"Competition is not only
about the product – it’s
also about the customer
experience."
43
Along with coffee and the machines for making it, the customer
relationship is one of the three fundamental pillars of Nespresso’s
identity. From the beginning the company has put customer intimacy
at the heart of its development. And this long-term investment has
paid off, in particular in times of crisis.
What evolution in customer
behaviour are you observing?
We’re dealing with expert customers – in
ecommerce, services, new technologies –
and they expect to be able to do everything
(compare, order and interact) across all
channels, simultaneously if possible. In
addition, the internet has accustomed
them to getting rapid responses in real
time. And with web 2.0, this has expanded
to include being able to express their
opinion, in particular if their ethical values
are not respected by the company.
How do you respond to this?
We have to at least offer them the same
flexibility of experience that they expect.
A customer can initiate an order on the
internet, come to the store to finalise
the transaction, and then decide to have
the order delivered at home. But we also
try to delight the customer by offering
an unprecedented level of service, for
example by offering delivery seven days
a week, within two-hour time slots. To
serve customers that may not want to
talk, we’ve also put in place a self-service
system in our stores, and have equipped
the packaging with RFID chips that are
automatically detected when they go over
the counter at the checkout. In some stores
they can even pick up their purchases
directly without getting out of the car…
Which rules did you follow in
order to succeed?
Sincethebeginning,we’vebeendetermined
to be coherent and convergent. This intent
is shared by every employee, who also
has to trust all the others. If only one of
them does not share this state of mind, or
doesn’t have the information necessary
to advise a customer, the efforts made by
everyone to create customer intimacy can
quickly be destroyed. It’s thus important
to correctly understand the HR challenges
involved (training, recruitment, internal
promotion, etc.), but also those related
to communication and governance
What challenges does this
create in terms of organisation?
Being able to offer this flexibility in the
customer experience creates an incredible
level of complexity which must however
be transparent for the customer. That’s
the price of trust, because customers
would not understand if we said different
things depending on the channel, or that
an action is possible on one channel but
not another. Businesses need to become
aware that customers don’t only compare
products but also purchase experiences.
So companies aren’t only in competition
with other businesses in the same sector,
but with all of them.
And how do you create such
flexibility?
It’s not simple, because most companies
start from a point of technological lag,
compared to consumers. The majority
of them are strong in one channel, but
finding businesses that are strong in all of
them, online and off, is rare. In addition,
customer intimacy shouldn’t be considered
a commercial strategy but rather a genuine
corporate culture. The conviction of its
worth must be shared at all levels if it is
to create value. Clearly, that’s less easy
when businesses operate in silos and when,
for example, commercial objectives can
damage the flexibility of the relationship.
testimonial
44
Cyrille GiraudatMarketing Director. PMU
"Social media enable us
to reach new targets,
on condition that we
understand them and adopt
their conventions."
45
The leading pari-mutuel horserace betting provider in Europe and
second worldwide, PMU is using its expertise in ecommerce and the
online customer experience to drive activity in its physical network
and rejuvenate its clientele.
What evolution are you
observing in your customers’
behaviour?
We’re observing a slight fall in bets in
our physical points of sale (-2 percent),
which is more than compensated for by
the annual growth in our online activity,
which is 22.8 percent. PMU.fr is one of
the leading French ecommerce sites with
revenue of EUR 1.65 billion. The most
striking evolution is the strong increase
in the nomadic share of business, which
represents 20 percent of this activity
today, and which is expected to reach 30
percent by the end of the year.
How does this break down
across your various markets?
Online, horserace betting amounts to a
total of EUR 972.1 million, an increase of 11.1
percent. It’s our growth in sports betting
(+62 percent) and online poker (+39
percent) which is enabling us to acquire
many new customers, in particular younger
profiles. Our objective is to migrate the
latter towards online horserace betting
– 40 percent of these customers have
already tried betting on horseraces – but
also towards the physical network.
How do you integrate social
networks in you customer
relationship management?
Ultimately social networks are only a
transposition of the proximity that has
always existed in pari-mutuel betting.
It’s an essentially community-based
activity: you go there, often after having
been initiated by an acquaintance. Social
media enable us to reach new targets,
on condition that we understand and
adopt their habits and conventions. On
Facebook, we organised a casting session
for the punters in the film "Turf" and co-
organised the first poker championship
of the French grandes écoles. That has
of course allowed us to rejuvenate our
customer base.
What do you do to drive activity
in your network of points of
sale?
The development of the network of points
of sale has been accentuated in order
to optimise the coverage of the French
territory. There was an average of three
openings a day in 2012, accompanied in
particular by a new store concept dedicated
to taking PMU bets and broadcasting races:
PMU City. Open seven days a week, open
until late or all night, the PMU City stores
offer the highest quality of service with
staff who listen to customers, and betting
via terminals and bollards equipped with
top quality audio-visual gear.
How are you organising the
convergence between the two
worlds?
We’re using our digital know-how to
stimulate growth offline. For example,
by re-launching the PMU card, we’re
modernising the customer experience
in the physical network, since every
customer can bet via the interactive
bollards installed in 4,000 points of sale.
The advantage for us is that the customer
is no longer anonymous. We can have a
direct relationship with everyone, as we
do online, and thus build up knowledge
of the customer.
testimonial
46
Franck Heimburger	Distribution Director, Employee Network. AXA
"Transparency doesn’t scare
us, it can create value."
47
As the leading employee network in the insurance sector in France,
AXA has just equipped its 3,000 advisers with touch sensitive tablets
loaded with all the necessary sales support tools. This technical
evolution hides an underlying cultural revolution in the approach
to the client relationship.
What has the impact of the crisis
been on the client relationship?
In our business, providing advice on savings
and prevention to 1.4 million clients, we’ve
noted strong demand for transparency.
People now want to understand what
they’re buying and thus demand simple
and clear offerings. With the exception of
certain specific segments, this evolution
is the end of the era of the Expert, who
knows and selects almost in the client’s
place.
How have you reacted to this?
We’re convinced that what creates value
for clients resides in our ability on the
one hand to help them understand the
environment in which they are evolving,
and on the other hand, to make choices
adapted to their objectives and profile.
And we think clients are prepared to pay
for this guidance. Our response was thus to
create, around our clients, an environment
that enables them to have a clear vision
of what they’re buying and gives them
access to all the information they need. In
addition to the transparency expected, it’s
important to give clients greater control
over their choices, by putting them at the
centre of the system.
What challenges did you have to
face to launch this solution?
Agreatdealofworkwasneededtointegrate
the tool into the information system, since
clients sign contracts on the tablet and
everything is then directly injected into
our management system. With iNov, our
ambition is to combine the best of the
physical presence of an adviser at a client’s
home with an administrative relationship
which is digitalised to the greatest extent
possible. Clients receive their documents
by email and can find all their statements
in their personal space on axa.fr. We
also had to invest in the development
of a dozen applications (network, life
insurance, savings, diversification, etc.).
Not to mention the support provided to
our advisers, for whom iNov represents
both a technical and cultural revolution…
How is this more educational
advice translated in concrete
terms?
We have further developed our advisory
tools and processes by transforming
the workstations into something more
commercial and lighter, genuinely oriented
towards the client. Concretely, we’ve
equipped our advisers with iPads loaded
with all the necessary sales support tools
(CRM software, product simulation tools,
digital media library, etc.). This tool will also
enable us to help our advisers’ attitude
develop further, shifting from face-to-face
sales to collaborative sales.
How is this evolution interesting
in terms of customer intimacy?
The goal for the adviser is to guide every
client through their own needs analysis, the
definitionoftheirgoalsandtheidentification
of an appropriate response. Clients can
access useful information themselves,
and observe visually how diversification
of their assets may or may not help them
attain their wealth maximisation goals. By
using our apps, clients can “follow training”
about our products, and learn about other
aspects, all in very accessible language.
Our relationships are thus stronger over
the long term, because by educating
clients so that they are better able to
make their own choices, we’re able to go
through periods of strong turbulence in
the market with less disruption.
testimonial
48
Stéphane JeanjeanDistribution Director. CA Services. Groupe Crédit Agricole
"We put an integrated
multichannel approach
at the heart of the client
relationship."
49
With its 39 regional cooperative retail banks and 7,200 branches,
Crédit Agricole is in fact a business close to its clients. To ensure the
bank’s relationship with its clients becomes increasingly intimate, the
CA Services teams use the Group’s information systems to integrate its
commitments to its clients in a 2.0 client relationship.
How are clients’ expectations
evolving?
They want a bank that is simpler, more
transparent, and they want to be able to
take advantage of the autonomy granted
by new technologies, while continuing
to enjoy the benefits of a traditional
bank: a bank that’s physically close by,
characterised by a human relationship.
They also expect greater responsiveness
and proactivity, and more relevant advice.
The internet has led to clients being better
informed and that repositions the role of
the adviser, focusing it on the added value
of the advice given and the simplicity with
which it is delivered.
How are you responding to
this?
At Group level, this interactive and proactive
relationship is the focus of a plan ("Client
Relationship 2.0") which is centred on
the values of building up relationships
with clients: listening, providing loyal
advice, delivering personalised solutions.
These are the commitments that we’re
integrating into an information systems
transformation programme, which is at the
same time part of a convergence project
that will result in the progressive migration
of all the regional cooperative banks to
this shared platform by the end of 2013.
What have you done in
concrete terms?
We’reputtinginplaceaCRMsolutioncoupled
to a new data warehouse which will enable
us to meet the challenge of understanding
our clients, to communicate with them on
judicious manner. The portal will also be
accessible by tablet, which will facilitate
the mobility of advisers within and outside
of the branch, and will modify the attitude
and behaviour required when interacting
with the client.
In addition to Information
technology, what other
challenges does one face when
implementing relationship
management in this manner?
The job of the advisers will change, because
they won’t necessarily work face-to-face
with clients, but increasingly side-by-side
or remotely. That could lead the bank
to rethink the way certain spaces are
designed. It will also result in managerial
evolution which will have to be supported
with new tools, but also with training since
managers will have to run multichannel
points of sale. To do this means having
to integrate different client experiences,
and no longer considering channels as
cannibalistic but rather complementary,
working for the benefit of the client
relationship.
all channels and to personalise the client
relationship. The objective is to put in place
genuinecross-channelrelationshipmarketing
that responds to our clients’ expectations
in terms of responsiveness and proactivity.
Knowing that in parallel we’re continuing to
develop our tools and processes for each
channel. With this in mind, the smartphone
application "My Budget", available in the
stores and used daily by 500,000 clients
to access their accounts, was adapted for
the various OS1
for use on tablets. We’re
also taking the opportunity to smooth
our processes and promote digitalisation,
with a pilot project in our branches for
electronic signatures using touch sensitive
tablets. Initially this will only be applicable
to transactions involving the till, and
will over time be extended to include
contracts as well.
What are you doing to ensure
the convergence of online and
offline?
We’re going to harmonise the client and
adviser workstations within a natively
multichannel and multi-device portal,
whose underlying principles are based
on the evolution of internet practices
(search engines, ergonomics, etc.). That
will promote dialogue between the adviser
and the client, who will have access to
the same interface and applications. The
multichannelprocesseswillbeinteroperable,
digital and interruptible. The convergence
between online and offline will thus be
reinforced, since a process initiated on
one channel can be interrupted and re-
started at any time on another channel. The
adviser will be informed of the progress
made and will be able to take action in a 1 - OS : operating system
testimonial
50
William Koeberléceo. Groupe Marionnaud
"Improving the quality of our
customer relationship by
adapting our contact strategy
to each profile in order to
increase performance."
51
For Marionnaud, one of Europe's leading retail perfume and cosmetics
specialists, the customer relationship is in essence intimate, and has to
constantly echo the values of the brand: Proximity, Professionalism
and Pleasure. These "Three Ps" recently inspired the evolution of the
communication platform, the renovation of the stores and the online
development around a promise: "Everyday Beautiful".
What changes in behaviour
are you observing among your
customers?
In general they’re more volatile than
previously. In parallel, the shopping
experience has become more complex. In
terms of buyer behaviour, 66 percent have
visited the website – to find information,
compare and reassure themselves about
the price – before coming into the store.
And lastly, all their actions have also been
changing since the arrival of smartphones
and tablets.
How does this change the nature
of your response?
We continuously increase segmentation to
drive greater proximity in the relationship.
With more nomadic lifestyles that combine
the virtual and the real, we have to adapt
our offering of advice to every situation
while ensuring that we remain coherent
in terms of service, values and price. For
example, we designed a loyalty programme
inresponsetotheexpectationofrecognition
from customers who buy for themselves
and want a personalised relationship. With
our VIP Prestige card, they benefit from
exclusive advantages (free delivery for
all orders via the internet, invitations to
private evenings in the store, free beauty
diagnostics, birthday presents, a magazine
“M and You” full of expert advice and
beauty tips, etc.).
And online?
We have reworked our internet site: it’s
simpler, faster, has all the useful information
on the home page, offers the possibility
for contact (via an expert interactive blog,
M The Beauty Blog) and video advice (the
Blush web series). It’s a way to share our
know-how and expertise in an interactive,
accessible and fun way, but also respond to
the expectations of customers who may, at
certainmoments,prefertobeadvisedinthat
way rather than via a discussion in the store.
On Facebook we also run a community of
160,000memberswhoseengagementlevel
is among the highest in the sector.
How do you reinforce your
knowledge of the customer?
We were pioneers in this area, and launched
our loyalty programme in 1990. We’re thus
fortunate to have a database of 14 million
Europeancosmeticsusers.In2012,inorderto
becomemoreresponsive,learnmorequickly
and compare and harmonise information
at a European level, we internalised the
management of this database and built
up internal teams (CRM data minders )
to work with it and successfully steer our
marketing operations in a more responsive
and personalised manner, according to
purchasing profiles. Reinforcing customer
knowledge is a determining factor in order
to offer without imposing, to seduce and to
convince. For Marionnaud, improving the
customer relationship is not only judiciously
proposing products, it’s also about fostering
an enduring proximity between the brand
and the customer.
How have you realised this
ambition to be coherent in
concrete terms?
Welaunchedanenormousrenovationproject
for our stores in order to be coherent with
our positioning and the expression of our
values. Customer intimacy is promoted via
the "advice bar"; the central location of the
checkout in the store favours proximity;
lastly, at the back of the store there is
a space for beauty care that requires a
calmer environment. Focusing on the
notion of pleasure, the customer experience
was rethought so it makes it possible to
get your bearings, and to easily find the
universe of your preferred brand, or that
of a new temptation…
Professionalism is made concrete by the
welcome given in terms of services such as
the personalised beauty care diagnostic of
IOMA1
.It’salsoembodiedinamoreanecdotal
way (but in a manner very characteristic of
our approach that responds to evolution
in customer behaviour) by a small quick
test on an iPad or touch screen on the
wall, which helps you to find the perfume
universe that resembles you and to select
the perfume that’s right for you from among
the multitude of products available.
1 - IOMA is a French cosmetics brand dedicated
to skincare.
testimonial
52
Xavier Quérat-HémentQuality Director. La Poste group
"The cause of complaints, much
like the reasons for dropping
a supplier, has more to do with
service and the relationship
than with the product itself."
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)
2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)

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2013 - CSC Customer Intimacy Barometer - Convergence between on and off-line (English)

  • 1. Convergence in customer intimacy at the crossroads of online and offline Customer Intimacy Barometer 2013
  • 2. 2 Opinions expressed by contributors are their own. Reproduction in whole or in part without written permission is strictly prohibited. © Copyright CSC 2013. All rights reserved.
  • 3. 3 CSC IN TOUCH WITH CURRENT TRENDS Within the framework of its I.D.E.A.S program (Inspiration, Debate, Executive, Annual Surveys). CSC carries out a number of “barometers” every year to analyze trends and perspectives from key roles within the boardroom (human resources, finance, IT, procurement…) at the European or global level. Each of these studies, carried out with the assistance of independent survey institutions (IFOP and TNS Sofres), involve the participation of hundreds of managers from large businesses and public administrations. The results of these studies are revealed during high level events, organized in different cities (Paris, Madrid, Barcelona, Milan, Brussels, Lisbon, Washington D.C. , etc.), and are also relayed by partners from the media and from academia (universities and elite business schools).
  • 4. 4 customer intimacy barometer 2013 Convergence in customer intimacy at the crossroads of online and offline
  • 5. 5 TABLE OF CONTENTS summary11 Page 9 Page 23 testimonials analysis CUSTOMER INTIMACY AS A DIFFEReNTIATION strategy 1 1 1 3 4 5 Page 37 Page 67 Page 73 results12 38. Laurent Dechaux. Vice President - Oracle Applications 40. Olivier Derrien. Vice President Southern Europe - Salesforce.com 42. Arnaud Deschamps. Managing Director - Nespresso France 44. Cyrille Giraudat. Marketing Director - PMU 46. Franck Heimburger. Distribution Director, Employee Network - AXA 48. Stéphane Jeanjean. Distribution Director - CA Services. Groupe Crédit Agricole 50. William Koeberlé. CEO - Groupe Marionnaud 52. Xavier Quérat-Hément. Quality Director - Groupe La Poste 54. Mohamed Soltani. Corporate Marketing Strategy Director EMEA - Schneider Electric 56. Franck Suhit. Marketing Director - Lyreco 58. Guylène Tarrazi-Prault. Customer Relationship & Satisfaction Director - Microsoft France 60. Nicolas Terrasse. Business Solution Manager - SAS 62. Raphaël Weiler. Customer Relationship Manager - UPSA 64. Didier Zoubeïdi. Marketing Director - Edenred France 68. Christophe Amouroux. Senior Partner, CRM and Customer Intimacy - CSC 70. Pierre Kalfon. Partner, CRM and Customer Intimacy - CSC
  • 6. 6 The Customer Intimacy Barometer is a survey carried out for the third consecutive year by CSC, in partnership with TNS Sofres. It is based on a quantitative analysis of the trends and outlook for Marketing, Sales, Distribution and Customer Relationship Management departments in a sample of major European corporations.  
  • 7. 7 customerimtimacy barometer A European study Approach and methodology The third edition of the Customer Intimacy Barometer is based on a partnership with the TNS Sofres market research institute, and a survey carried out among a sample of marketing, sales, distribution and customer relationship management directors within European corporations employing over 500 people. These directors were polled regarding the position, concerns, performance and outlook for the marketing, sales, distribution and customer relationship management functions. Interview method The questionnaire was designed by the TNS Sofres market research institute according to the CAWI (Computer-Assisted Web Interviewing) method, in December 2012. Target and sample Private and semi-public enterprises: -- employing a minimum of 500 people, -- located in Belgium, France, Germany, Italy, Spain and the United Kingdom. 102 managers were interviewed (without detailed objectives in terms of activity sector).They represent the following target groups: -- marketing, sales, distribution or customer relationship manager or director. Ultimately,thesamplewascorrectedtoensureitsrepresentativeness compared to the population of European corporations in the activity sectors targeted.
  • 8. 8
  • 10. 10 Customer behaviour is often ahead of the systems for interaction offered by organisations In a financial, economic and social environment which has further deteriorated in 2012, businesses are facing a new set of challenges. Their objectives: maintain their margins, retain their customers and differentiate themselves from their competitors. Innovation in terms of products and services is no longer sufficient at a time when growth is stagnant and optimisation programmes continue to be set in motion with an increasingly short-term perspective. The time horizon is being reduced, both in terms of the expectations of financial markets (looking for profitability) and the winning of orders (the lengthening of sales cycles and the difficulty of generating procurement flows that are smooth over time). Customers, whether private or professional, are experiencing an erosion of their purchasing power on the one hand, and a drop in their investment capability on the other. More than ever before, they integrate the price on the label into their purchase decisions, thus pulling the whole economy down in a vicious cycle. In addition to these developments in buyer behaviour, we also observe that customers are subject to various types of exogenous phenomena which shape their behaviour and consumption habits in a lasting manner: • a major increase in the number of products and services on offer, the scope, pricing policy and terms and conditions of use of which are often difficult to interpret. Confronted with low cost offerings (initially in segments such as transport and distribution), loyalty or win- back offers, offers reserved for specific segments, private sales, etc., customers are finding it harder to make sense of it all. Brands then become the victims of their own traps: marketing techniques designed to propagate demand transform into a social phenomenon of unbridled consumption; • a great hunger for new means to create relationships with brands. This is the direct consequence of the multichannel strategies in which the brands have invested heavily in the course of the past few years. As a result, the greater integration and increased fluidity of movement between channels (mainly physical networks, call centres and the internet) has led to an over-consumption of interaction, often costly and not always profitable or efficient, combined with a lack of mastery of those same channels on behalf of businesses; • theconsequencesofrecenttechnological advances (the growing penetration and usage rates of smartphones and tablets, the digitalisation of communication, etc.), and the development of less predictable summary 2013 Customer Intimacy Barometer Channels, mobility, new devices: how to adapt the customer intimacy strategy to these new trends and consumer behaviours? Convergence in customer intimacy at the crossroads of online and offline
  • 11. 11 The 2013 Customer Intimacy Barometer, produced by CSC in cooperation with TNS Sofres, highlights the need to ensure the convergence of offline an online to the benefit of an overall customer experience that is genuinely differentiating. This new trend is forcing leaders to rethink the role that every channel can – and must – play in the mix of interactions.
  • 12. 12 omni-channel behaviours are all having a major impact on the often too linear approach businesses take to the customer experience. Indeed, new devices favour mobility by making it accessible to the greatest number of people at ever lower cost, while generating great expectations in terms of instantaneity and immediacy. When looking for information, getting answers to specific questions or concluding transactions, customers – both private and professional – no longer have time to wait. According to CSC, this has two consequences: -- These trends, driven by the providers of mobile technologies and telecom operators, are continuously improving the usability and smoothness of the navigation offered by these devices. The use thereof becomes increasingly simple, and correspondingly creates greater expectations in terms of receiving an instant response from brands. That in turn causes disruption within customer-centric organisations, particularly in terms of the availability and interoperability of channels for interaction; -- This increased fluidity and simplicity maketheclosingofasalemorecomplex, whether on a website, in a store or on a customer site. They offer potential buyers myriad possibilities to look for better and cheaper offers elsewhere – without necessarily resulting in a sale. Paradoxically, simplicity can be a cause of constant frantic zapping, which can be counterproductive in terms of sales. In 2013, a breaking away from traditional behaviours related to information seeking and purchasing behaviour has also been observed. The mobility situation no longer acts as a brake on consumption, but rather favours multitasking. According to CSC, this is the end of the unity of time, place and action for consumers who are able to simultaneously seek information and buy, wherever they are, at any time. This heralds the end of classical scenario planning of consumer behaviour in the deterministic sense. Finally, a last observation regarding these developments in consumer behaviour: greater "intelligence" on behalf of consumers in their relationships with brands, even if their enthusiasm for the social media seems to set the pace (stabilisation of the hype cycleTM). The upshot: buyers that are better informed (whether professional or private), who Main lesson from the 2013 Customer Intimacy Barometer: the need to consider the role of each channel in the relationship between customer behaviour and choice of offerings. expect greater responsibility and respect from brands (without necessarily knowing what to do with it at the end of the day), and who expect the information they provide to be put to better use, so they are treated in a personalised manner but not exposed to a deluge of communication. To summarise, an explosion of offerings, multichannel strategies that offer too many non-commercial alternatives to customers, increasingly mobile customers who are better informed but less inclined to spend, and for whom the boundary between professional and private life has become narrower. Given that these new channels are not substitutes for the traditional ones but rather complementary to them in a manner different from any that businesses were previously familiar with, it’s important to give enough consideration to the role of each channel in the relationship betweencustomerbehaviourandchoiceof offerings, which has been totally disrupted. This is necessary in order to ensure the convergence of cost control, excellence of the customer experience, limiting of “exit routes” for customers and identification with the model and values of the brand. Three evolutions for organisations to take into account: an explosion in the number of product and service offerings, a strong desire for new ways to create relationships, and new devices that favour mobility
  • 13. 13 Often overly linear modelling of segments (B-to-B) and customer experiences (B-to-C)] In a B-to-C or B-to-B environment, organisations have invested heavily in recent years to put in place multichannel systems meant to meet the expectations of their customers, in particular in terms of their need for autonomy, coherence and immediacy. Initially, multichannel approaches taken by businessesaimedtomakeavailabletocustomers andprospectsaseriesoftoolsforinteractionthat wouldenablethemtoprogressthroughthesteps ofthepurchaseexperiencetogether,according totheirneeds.Thisperiodcorrespondedtothat ofthedevelopmentoftheinternetinthe2000s. The result was a mixture of systems, often insufficientlycoherentamongthemselves.First amongthesewastheinternetsilo,traditionally built up alongside existing channels such as a sales force, physical networks or customer relationshipmanagement centres (with the exception of the pure internet players). Figure 1: simplified multichannel approach (from the 2000s). Channels built up in silos, often independent In responding only partially to the needs of customers, these systems soon revealed their limits in terms of the coherence of the information provided, and their level of interoperability and ability to manage interruptible sales processes. For example, it not being possible for a customer to apply for a loan online and to complete the application in a bank branch. After 2010 came the emergence of vast transformation programmes designed to enable the existing multichannel systems to become cross-channel. These investments were considered to be a priority over the course of the past two years by 28 percent of the organisations surveyed (compared to 19 percent in 2012), and these systems were characterised by: • a decoupling of front and mid/back office systems to ensure greater fluidity of interaction, independent of the way in which offerings are effectively produced and delivered; • an interoperability of customer processeswhichmakesitpossibletoensure the fluidity of all interactions, regardless of the channel (knowing that 55 percent of those polled feel major investments are still needed in this area); • the capability to interrupt an interaction (for example, the creation of a cost estimate) and to restart it in the same channel or in another one, while still recovering all the information already provided; • a tendency to make better use of informationcollectedinrealtimeinorderto adapt every element of the mix in function of the data collected about every customer, to better manage the distribution thereof.
  • 14. 14 Figure 2 : simplified cross-channel approach (after 2010). Interoperable channels, interruptible processes supporting highly linear customer experiences These programmes have had a major impact inenablinggreatercoherenceintheoperating of the so-called traditional channels. More recentbehaviouraldevelopmentsontheone hand, and the crisis on the other, can lead to the risk that the reach of these investments is limited. Indeed, these systems were often designed based on the assumption that customer experiences (in B-to-C) and the expectations of each customer segment (in B-to-B) were linear and homogeneous. As a result,ateverystepinthecustomerexperience, or in every customer segment, a single and rational experience – and thus major channel – was dedicated to a precise task. However, the social and mobile revolutions, thepossibilitiesforinteractionofferedanytime andeverywhere,andthesmoothnessofthese customer interfaces have increased the risk for businesses that customer interactions are notultimatelyconvertedintoatransactionor apurchaseproportionaltothesumsinvested, anddonotrespondfavourablytothequestions: willIgeta"bargain"?Istheofferingproposed the one which is best suited to my real need? Will another website offer me the product at a cheaper price? Did the salesperson understand my needs correctly? If I need after-salesservice,willIbetreatedintheway which I expect? Facedwiththeseevolutionsinbehaviourand habits,itisuptobrandstoidentifyandinterpret them, and to provide a valid response. As the 2013CustomerIntimacyBarometerillustrates, evenif34percentoftheorganisationspolled (-7pointscomparedto2012)considercustomer intimacy to be a major strategic aspect of differentiation,46percent(+13pointscompared to 2012) consider operational excellence a priority.Unlikein2012,itisnolongersomuch the quality of the offering that is important, but rather the ability to excel in terms of customer interaction. That makes it possible to make the customer experience special again by ensuring the coherence between operational and relationship aspects across allofthe channels forcontact, throughoutall the steps of the customer experience, thus favouringincreasedprofitabilityofaperhaps smaller number of loyal customers (true for 35 percent of those interviewed, +12 points compared to 2012). Customer experiences (in B-to-C) and expectations from every customer segment (in B-to-B) which are no longer linear nor homogeneous.
  • 15. 15 Customers are now at the centre of a triptych: channel, device and location the holy grail of convergence of the customer experience The majority of businesses have applied traditional modes of thinking to innovative technologies and channels. However, these new devices have not only introduced new ways of interacting during certain steps of well-defined processes: they have profoundly modified the processes themselves. The new customer, at the convergence of a place, a device and a channel, manifests a behaviour in which the potential for disruption is very high and in which interaction with and beyond the business has greatly increased. Figure 3: the customer at the centre of convergence (channel / device / location) HABIT HA BIT HABIT DEVICE CHANNELLOCATION • PC • Smartphones / NFC • Interactive terminal • Tablet • Payment card • TV • Etc. • Public place • Private domain (home, friends) • Professional domain (office) • In motion • Point of sale • Customer site • Etc. • Sales forces • Physical network • Website • Call centre • Email, chat, video • Social media • Etc. CUSTOMER
  • 16. 16 LIa’s customer experience Consumer behaviour imposed upon the business Consumer behaviour steered by the business Lia, fashion enthusiast, is looking for a new pair of shoes on the internet, during the sales. Lia first searches the internet, but the brand she’s crazy about isn’t available in a size 38, or only on an internet site she doesn’t know and doesn’t really trust The adorable pair of shoes – undiscounted – is still in the store. Lia sees a 2D barcode close to the display, scans it and gets access to the opinions of the buyers of the brand via Facebook: all very positive with in addition some fashion tips! She signs up for the Facebook application available on the “top tips” page. Impressed, she asks the sales girl to try them on. Lia notices that in this brand a size 38 is too large for her. And there’s no size 37 in stock. Too bad! The sales girl suggests that she orders a size 37 via the brand’s website and have it delivered. Lia finds it tempting, but finds this pair a bit expensive. She says she’ll think about it. The sales girl, equipped with a tablet, asks for her email address and her preferences so she can send her suggestions and promotional offers (Lia says that as well as being a fashionista she also loves dubstep). Once at home, Lia goes online and finds an email from the Facebook application she signed up for. She reads her email and notices that it contains a coupon for a EUR 15 discount with a direct link to the website of the brand. Lia decides to order. When the time comes to pay, The website proposes to deliver the shoes to her or to the store (free of charge). Lia accepts to go to the store (it will still save her EUR 5). Two days later, the day before the party, Lia goes to the store, opens the box to try on the shoes and – surprise! – inside she finds a coupon for a partner offer from a major online music website As she leaves the store, she posts the following message on Facebook: "It’s done, I bought my shoes at shoesclicksandmortar.com, that shop’s the best!" Lia first searches the internet, but the brand she’s crazy about isn’t available in a size 38, or only on an internet site she doesn’t know and doesn’t really trust. While walking in town, Lia comes across an adorable pair of shoes (albeit different from the ones she had in mind). Obviously, this model is not on sale. Lia goes into the store, takes a picture of the object of her desire with her smartphone and posts it on Facebook, accompanied by the message: "They’re great, but at EUR 120 I think they’re a bit expensive. Kissss." Lia still asks the sales girl to try them on. While she’s been looking in the mirror, three of her friends have sent her comments. One of them catches her attention: "Check out fabshoes.com, they’re on sale." Lia notices that in this brand her size is a 37. She thanks the sales girl, tells her she’ll think about it, and leaves the store. Once back home, Lia goes online, determined to find her pair of shoes on fabshoes.com. The homepage of her browser displays an ad that catches her attention, for cheapshoes.com. She clicks and notices that the brand she’s crazy about is available, in a size 38, and on sale. At the moment she wants to check out with her basket, the estimated time for delivery is three weeks. A bit long when Vanessa’s party is on Saturday! Fortunately, the site offers a toll-free number for customer service. Lia calls and after five minutes ("all our advisers are busy, the estimated waiting time is two minutes"), an operator answers and confirms that "yes, the delivery time is usually three weeks". When Lia asks if it’s possible to have them sooner, even undiscounted, the adviser answers "no, the model isn’t in stock”. Discouraged, Lia hangs up and decides to take her shoes from last season to the shoe repair shop. a-do-ra-ble Illustration of a B-to-C purchase
  • 17. 17 A simple example (see opposite page) of these new consumer behaviours helps us become aware of these transformations, in which "exits" and opportunities to purchase elsewhere are numerous, and can be the cause of costs that are not converted into sales for businesses. It illustrates that solutions exist to make sure this customer experience has a happy ending. Which lessons should be learned from these fromthesetwodifferentcustomerexperiences that illustrate these new consumer habits? 1. Buyer behaviour is no longer linear. Customers no longer follow the classic scenario: information - choice – purchase – payment – after-sales. In reality, these steps are intertwined, and customers can start again from scratch or leave the process entirely given the abundance of choice on offer, and faced with the fear of “doing a bad deal”; 2. Channels are no longer dedicated to a single step. Traditionally, at least for bricks- and-mortar businesses, customers gathered information via digital channels and carried out transactions in the store. In reality, this traditional model is often inversed, or at least mixed: customers gather information in the store (the phenomenon known as showrooming) and then carry out the transaction online, looking for the best price; Online and offline convergence is a fact, both in consumer behaviour and in the investment plans of 85 percent of those interviewed. However, although 48 percent have launched initiatives in this area, 37 percent are still in an embryonic stage. However, it is better to define this convergence than to have it imposed upon you. As the example of Léa illustrates, consumers armed with smartphones and flat rate subscriptions surf, chat, post and tweet, while at the point of sale. In fact, they themselves have already made online and offline convergence a reality (looking up product prices on the websites of discounters, viewing product reviews on specialised blogs, asking advice from friends, etc.). However, businesses can still pre-empt this by allowing their customers to use all technological resources to improve their experience and to maintain customers’ intention to buy. Three aspects are worth considering: 3.Allchannelsareimportant.Inthecomplex world of continuous interaction between device, location and channel, it is pointless to sacrifice one channel in order to reduce costs.Evencallcentresarebecomingcritical again as consumers turn to them in case of problems or serious questions, and thus they still have high expectations from this channel. Basically, all channels contribute to the customer experience and if one of them is disappointing, the entire customer experience – and thus also the business – suffers the consequences. But how best to convert – and make loyal – these new customers who are increasingly omniscientandusingevermoredevices?We thinkitisfutiletotrytoresistthefundamental trendsthatareshapingconsumerbehaviour today, however unpleasant this conclusion may seem: • Yes, consumers are changeable, fickle and disloyal; • Yes,theyabandonpurchaseprocesses already extensively set in motion, which have already mobilised major resources, both in terms of machine time and man- hours in the sales force; • Yes, the worst among them are able and willing to do their showrooming in our costly stores and then knowingly make their purchase online via a third party ecommerce site to save EUR 10. • How to introduce technology for consumers at the point of sale, in order to improve their customer experience? • How to improve the efficiency of salespeople thanks to new devices, typically tablets? Indeed, tablets are more than just gadgets: they profoundly modify the sales or advice process by creating a new attitude. This new attitude allows salespeople to make their sales talk more relevant (for example by accessing customer information), and to share information with the customer (by giving a demonstration in which the customer participates) while benefiting from the power of the interface (a tactile multi-touch screen, for example); • And inversely, how to re-inject the human element into remote or digital channels, by increasing the number of chat experiences, community spaces, web call-backs or in-store appointments made via the website? Three observations: buyer behaviour is no longer linear, channels are no longer dedicated to a single step in the purchase process, and all channels remain important. Ensuring online and offline convergence
  • 18. 18 used to create flows towards the physical stores. France does this rather well for instance with drive-in pickups, whereby the customer comes to collect goods ordered online. It’s also necessary to move beyond this shared logistics flow by cross-selling offerings to customers when they come to collect their packages (for example, coupons for trying new products), or capitalising on the opportunity created by customers’ waiting time to propose trial offers for new products to them; • To achieve this, it is indispensable to simultaneously create bridges between channels, but also to reinforce the transmission and use of data in real time, sometimes even between partners (for example, between a brand and a distributor). Thus the interoperability of experiences becomes less important, in favour of the interoperability of knowledge of the customer the offerings. Ensuring the cross- fertilisation of channels The era of multichannel is past: long live cross-fertilisation! Channels need to be more than merely interoperable (even if this remains a priority for the years ahead for 23 percent of those surveyed compared to only 10 percent in 2012). They also have to feed each other, so as to recover customers tempted by an “exit” by finding a way to lure them back, or to capture them as they arrive from elsewhere. The following examples help make this concept more concrete: • The physical store cannot be only a place for showcasing and selling. It also has to be a place where customers’ tastes, identity and characteristics are recorded and used by all channels and even partners; • Inversely, the website needs to be MORE THAN THE INTEROPERABILITY OF CUSTOMER EXPERIENCES, LEADERS ARE EMPHASISING THE INTEROPERABILITY OF KNOWLEDGE OF THE CUSTOMER AND OFFERINGS, AND THE CROSS-FERTIISATION OF CHANNELS. Convergence between online and offline channels is considered to be a priority for 85%of executives polled.
  • 19. 19 Rethinking the role of every channel Lastly, it’s necessary to profoundly rethink the role of every channel. Today channels are locked into traditional roles (buy in the store, get information from the call centre), or operated according to a financially driven logic (pushing customers into self-service via the internet). The time has come to leave this model behind to reposition the dominant role of every channel: • The physical network has to be what customers want it to be, a showroom, a space for advice where customers come seeking expertise. The heart of the matter is then to find a way to make these investments profitable. For strong brands or paradoxically for pure internet players, the physical presence enables them to reinforce the anchoring of their business in the minds of consumers, and may even reinforce trust. The physical site (which we no longer dare call store, boutique or branch) has become a publicity investment. For the others, the logic of partnership, which makes it possible to extend the offering and to take advantage of knowledge of customers acquired during interactions with them, is a credible route to follow. The physical site is thus becoming a relationship service for other players: delivery of goods ordered online, a platform for leveraging customer knowledge, a location for providing after- sales service, a place to demonstrate new products. The traditional store is becoming a little bit of all of these things, and the distributors of tomorrow will be able to create an ecosystem by partnering with brands; • The website is once again the all- purpose channel, with the exception obviously of physical contact, or when seeking advice or information that is urgent or very specific. Websites have been adapted and enriched, but the customer experience has become more complex. It is thus necessary to build up the site not around sections but rather around customer experiences, which bring together all information regarding a question rather than according to topics. Take the example of arriving on a banking website after clicking on a sponsored savings account link. The visitor needs to receive all the information (commercial information, but also way of working and after-sales service) related to this product, rather than be confronted with a traditionally organised website: presentation of all products, registration, after-sales service, etc.; • The case for call centres is specific. Long considered a cost centre, businesses are beginning to rediscover this channel, driven by several phenomena. On the one hand, consumers only call when it’s important, after having used all other means at their disposal, via self-service or social networks. On the other hand, the desire to control costs has led businesses to allow the quality of this channel to degrade, which has a negative impact on the entire customer experience. The call centre thus has to reinforce the relationship by becoming what it should always have been: a channel for resolving the most complex problems of customers, whose purpose is to help them. The goal: to generate attachment and satisfaction, without being obsessively fixated on average call handling time; All channels remain important, even if they are increasing in number, because they all contribute to the customer experience: physical network, internet, call centre, mobiles, tablet, etc.
  • 20. 20 • Mobiles and tablets are a priority for 31 percent of people interviewed compared to 21 percent in 2012. Businesses need to leverage the possibilities offered by these new terminals: they offer a way to interact with the environment anywhere (including at the point of sale) and anytime. In CSC’s opinion, businesses need to capitalise upon consumers’ hunger for mobility by: -- Renewing customer interest in the point of sale by offering them means to interact (2D barcodes and soon NFC) to gather more information; -- Capturing customers by way of promotional offers on the product they are discovering in a rival store (this is the "delivered to you tomorrow" service offered by an e-commerce leader that enables customers to scan the barcode of a product in a rival store run by a competitor); -- Using geolocation to send customers promotional or test offers when they are nearby; -- Smoothing interaction in the context of an enriched sales dialogue between the salesperson and customer, wherever the latter may be. Thus these new mobile or nomadic terminals can become a way of enriching the customer experience at the point of sale or on site with the customer, and are a new type of "last chance marketing" when they are elsewhere. All channels remain important: even if they are increasing in number, they all contribute to the customer experience. In this respect, it is worth noting that consumers compare all the experiences they have had, regardless of sector. When Léa changes telecom operator or bank, she will benchmark them against shoesclicksandmortar.com. The people surveyed agree with this conclusion: they consider all channels to be (very) important, ranging from 63 percent (social networks) to 80 percent (call centres), in both B-to-B and B-to-C segments. Businesses need to leverage the functionalities behind the essence of what these new terminals are: a means to interact with the environment anywhere and anytime. If businesses want to respond to these new challenges, they need to stop hankering for a return to a pre-convergence world. They may deplore certain recent developments in consumer behaviour, but it is far better to understand them in order to make the most of them. CSC feels that businesses need to: • Launch projects that will make it possible to understand the fundamental expectations of customers vis-à-vis each channel, without limits. By way of an extreme example, imagine a store in which no purchases are made, but which would serve for all other steps of the purchase process (the flagship concept). That will enable a genuine reversal of the traditional roles of the main channels; • Approach the customer experience in its entirety to create a coherent whole, including all channels that can potentially be used as well as all partners and service providers; • Model the purchase process not as a linear process but rather as a group of related steps with multiple “entrances” and “exits”. The issue is thus not so much to create a single coherent purchase process, but rather to bring together all customer processes to capture, process and retain customers in a coherent manner with partners and service providers associated with every step (delivery, after-sales service, etc.); • Design and implement relevant partnerships that will make it possible to better steer all purchase processes and take advantage of shared knowledge of the customer. We recommend exploring partnerships between brands and distributors, but also between ecommerce sites and bricks & mortar retail chains, or between parties offering very similar consumption environments in terms of targets. It’s worth noting that this matter is considered crucial by those surveyed, given that 32 percent consider integration of partners as the main obstacle to the further development of customer intimacy (item listed number 1); • Equip themselves with the capability to collect and use in real time all information gathered about customers, and make it available to all channels and partners. Fortunately the technologies available today enable this to be accomplished rapidly, without major investments, and can be adapted to the needs of every business: -- Cloud computing makes it possible to adapt the capacity required exactly to the specific needs, instantaneously; -- Big data enables any business to have access to processing power and fine analysis, even of unstructured data, the likes of which were unimaginable only two years ago. Furthermore, 53 percent of those interviewed reported having a project in this area; -- Offer management in real time makes it possible to identify the most suitable sales strategies in function of the context and customer profile. The matter of processing and using data in real time is one that is perceived as key by those interviewed: 60 percent of them list real time processing (for purposes of marketing or to correct process errors) as one of the main uses for customer data. As a result businesses need to transform their operating model. Marketing, sales and distribution processes, information systems, organisation, corporate culture and management control systems all need to converge to embrace these new consumer behaviours, to ensure the satisfaction of these new customers, both in the B-to-C and B-to-B segments. The convergence of customer intimacy, a necessary transformation for organisations 32%of respondents consider the integration of partners as the main obstacle to the further development of customer intimacy
  • 21. 21 THE CONVERGENCE IN CUSTOMER INTIMACY IS FORCING ORGANISATIONS TO RETHINK THEIR OPERATIONAL MODEL TO FAVOUR CUSTOMER SATISFACTION, IN BOTH B-TO-C AND B-TO-B.
  • 22. 22
  • 24. 24 19 % 8 % 11 % 10 % 15 % 37 % Industrie Commerce, Distribution et PGC Finance et Assurance Transport Secteur Public Autres secteurs 50 % 20 % 19 % 9 % 3 % 500 à 999 salariés 1 000 à 2 999 salariés 6 000 à 9 999 salariés 3 000 à 5 999 salariés > 10 000 salariés 91 % 9 % Non Oui 18 % 66 % 17 % Clients particuliers (B to C) Clients entreprises et organismes publics (B to B) Tous types de clientèle (B to C, B to B ou B to B to C) Activity sector Size of organisation Presence of a physical distribution network Geographic origin Type of customers Breakdown of responses The 102 interviews were carried out in six European countries: France, Italy, the United Kingdom, Germany, Spain and Belgium. The panel of respondents was drawn exclusively from organisations employing over 500 people. The majority of the organisations polled have between 500 and 2,999 permanent employees. The breakdown of interviews by activity sector reveals that the majority of the organisations polled are in the industrial and financial services sectors. Two thirds of the interviews were carried out among organisations selling to both private individuals (B-to-C) and businesses or the public sector (B-to-B). Only one third of the organisations polled sell specifically to only B-to-C or B-to-B (an equal proportion of both). 102 interviews carried out in six European countries (Germany, Belgium, Spain, France, Italy and the United Kingdom). Targets: Directors and Managers from the Marketing, Sales, Distribution and Customer Relationship Management / Customer Service departments. 19 questions were asked regarding five main topics: • Strategic alignment; • Customer processes and organisation; • Cross-channel; • Use of customer information; • Summary and obstacles/difficulties encountered in the development of a customer intimacy policy. Coverage of the survey 24 % 17 % 22 % 17 % 17 % 5 % Italie France Espagne Royaume-Uni Allemagne Belgique Industry Commerce, distribution and FMCG Transport Finance and insurance Public sector Other sectors All types of customer (B-to-C, B-to-B or B-to-B-to-C) Private individuals (B-to-C) Businesses and public sector (B-to-B) 500 to 999 employees 1,000 to 2,999 employees 3,000 to 5,999 employees 6,000 to 9,999 employees > 10,000 employees No Yes Italy France UK Spain Germany Belgium
  • 25. 25 1- Strategic alignment Contrary to last year, customer intimacy is only ranked as the 2nd most important element of strategic differentiation, mentioned by 34 percent of respondents. Strategies prioritising operational excellence are the leaders this year, with almost half of respondents listing this as a priority. Where these two elements meet, organisations are focusing on the excellence of the customer relationship (quality of interaction, relevance and interoperability of channels offered, etc.). As much as 2012 saw an emphasis on investing in the offering (simplicity, legibility and involvement of customers in the design / creation of new products and services), 2013 is seeing the rise of strategies that put the excellence of the customer experience back at the heart of respondents’ concerns. For more details on the CSC value disciplines model, please see section 5 of this document . B-to-C (or B-to-B-to-C) organisations seem indecisive, no item stands out clearly among the responses on behalf of organisations to the fickle behaviour of individual consumers. However, two points seem important: • In 2013, the focus seems to be on increasing loyalty rather than just acquiring clients; • The quality of the customer experience, and the ability to respond adequately to all queries and all interactions, appear to be priorities. It is worth noting that even if the convergence between online and offline is a major theme to be addressed in 2013, it has not yet been totally integrated into organisations’ strategies. Major element of strategic differentiation Response to the impact on the customer relationship of the drop in purchasing power of households (Base: 84 respondents, B-to-C or B-to-B-to-C) 34 % 46 % 20 % Intimité Client Excellence Opérationnelle Supériorité Produit 41 % 26 % 33 % Convergence des canaux on et off-line, intégration croissante du rôle du mobile (smartphones, tablettes…) et création d'une expérience très fluide cross-canal Personnalisation de masse afin de répondre à chaque client de manière spécifique, en s'adressant à un large marché Lancement de nouvelles offres plus simples, plus lisibles, afin de maîtriser les prix de vente Fidélisation des meilleurs clients, quitte à perdre des parts de marché sur les segments les moins contributifs Création d'une expérience unique d'amont en aval du parcours client 3,2 54 % 3,1 3 3 41 % 2,8 Classement sur une échelle de priorité de 1 à 5, 1 étant le moins prioritaire, 5 le plus prioritaire Results 2012 Barometer Customer Intimacy Barometer 2013 Classification according to an order of priority from 1 to 5, 1 having the lowest priority, 5 the highest Creation of a single customer experience from upstream to downstream in the purchase process Increasing the loyalty of the best customers, or lose market share in segments which contribute the least Launch new offers, simpler, more legible, in order to control sales prices Mass personalisation in order to respond to every customer in a specific manner, by addressing a broad market Convergence of online and offline channels, increasing integration of the role of mobility (smartphones, tablets, etc.) and creation of a very fluid cross-channel experience Customer intimacy Operational excellence Product superiority
  • 26. 26 Organisations serving the B-to-B and B-to-B-to-C (in this case business customers) responded to the crisis by increasing the number of "physical" interactions with their customers: a stronger presence of salespeople “in the field”. In addition, the equipment available to support the nomadic activity of salespeople was reinforced, both to improve commercial efficiency (productivity) and to increase the impact of the sales dialogue with customers. On the other hand, the development of digital channels seems to be slowing, as the role of the human element is gaining in importance. In the same line as in 2012, the ongoing integration of customers as genuine partners of the organisation has been confirmed. Almost 30 percent of respondents (compared to 18 percent in 2012) consider it important to involve customers in the main operational processes for the design and development of offerings, as well as in the process of distribution / commercialisation. This approach offers a means to better understand their purchasing behaviour, and to adapt systems correspondingly to increase conversion rates in an environment in which versatility and volatility are key aspects of buyer behaviour. Response to the impact on the customer relationship of the drop in business budgets (Base: 85 respondents, B-to-C or B-to-B-to-C) Current level of maturity of organisations Développement du rôle des canaux dématérialisés afin de mieux maîtriser les frais commerciaux et de distribution Equipement massif des forces de vente en outils de mobilité (tablettes…) : améliorer l'impact sur le discours commercial Equipement massif des forces de vente en outils de mobilité (tablettes…) : améliorer la productivité, mieux cibler les investissements en temps, en fonction des différentes catégories de clients Investissements dans le réseau de distribution afin de bien traiter toutes les interactions avec les clients Echanges plus fréguents avec les clients : bien comprendre besoins et contraintes (notamment financières), adapter les offres en conséquence 3,6 54 % 3,1 2,9 2,7 41 % 2,6 Classement sur une échelle de priorité de 1 à 5, 1 étant le moins prioritaire, 5 le plus prioritaire 28 % 25 % 29 % 6 % 11 % Clients peu / mal connus, raisonnement en termes de produits / services offerts et de transactions réalisées Clients identifiés, reconnus à chaque contact Mise en place de dispositifs d’écoute des clients afin d’améliorer l’offre et de mieux les servir Anticipation des besoins des clients via une écoute systématique, intégrant leurs attentes d’évolution Clients = partenaires, associés aux principaux processus de l’organisation (conception d’offres, commercialisation, après-vente…) 7 % 14 % 34 % 18 % 27 % 1 – Strategic alignment More frequent interaction with customers: understand needs and constraints (in particular financial) well, adapt offerings accordingly Investments in the distribution network in order to handle all interactions with customers well Large-scale deployment among the sales force of mobility tools (tablets, etc.): improve productivity, better target investments over time, in function of the various categories of customers Large-scale deployment among the sales force of mobility tools (tablets, etc.): improve the impact of the sales dialogue Development of the role of digital channels in order to better control sales and distribution costs Customers little / poorly understood, reasoning in terms of products / services offered and transactions concluded Customers identified, recognised at every contact Implementation of systems to listen to customers in order to improve the offering and serve them better Anticipation of customer needs via systematic listening, integrating their expectations for evolution Customers = partners, involved in the main organisational processes (design of the offering, commercialisation, after- sales service) Classification according to an order of priority from 1 to 5, 1 having the lowest priority, 5 the highest
  • 27. 27 The main challenge linked to the further development of customer intimacy this year again remains the simplification of the customer experience and the improvement of the quality of the interactions between the organisation and its customers, across all commercial and interaction channels. But here again organisations are very divided, breaking down equally between the quest for profitability (focusing on loyal, often more profitable, customers), volume (increased revenues, sometimes to the detriment of margins and long-term profitability), and personalisation of the offering with a view to increase conversion rates. Is 2013 thus a year of indecisiveness? Main objective for follow-up in the further development of customer intimacy Main actions taken in the past two years to further develop customer intimacy Equipement des forces de vente en tablettes pour améliorer l'efficacité commerciale Utilisation des médias sociaux avec un objectif commercial Prise de parole sur les médias sociaux (intégrant l’e-réputation) Développement de la politique marketing / commerciale sur les canaux mobiles (smartphones, tablettes…) Unification et enrichissement de la base clients Fluidification et interopérabilité des canaux de distribution (multicanal) Rapprochement des organisations marketing, commerciales et services pour assurer la cohérence des actions Personnalisation de la relation client sur l'ensemble des canaux Personnalisation de l'offre pour répondre au mieux aux attentes client Développement de la rétention via des actions de fidélisation 35 % 33 % 33 % 33 % 28 % 22 % 22 % 21 % 19 % 17 % 23 % 60 % 32 % 34 % 19 % 25 % 23 % 12 % 25 % 26 % 29 % 20 % 25 % Développer le CA en favorisant la fidélisation, les ventes récurrentes : logique de volumes Adapter l’offre pour gagner de nouveaux clients en répondant mieux à leurs besoins Simplifier l’expérience client et améliorer la qualité des interactions pour réduire les coûts en augmentant le taux de satisfaction Améliorer la rentabilité unitaire de chaque client, en restant sélectif 22 % 31 % 9 % 38 % In 2013, organisations feel that many tactical elements are important. Unlike in 2012 when personalisation of the offering was mentioned by 60 percent of those interviewed, this item has weakened in favour of strategies for increasing customer loyalty and retention. Organisations, often inward looking, are focusing primarily on their “installed base” of customers, and thanks to bringing the marketing, sales and distribution departments closer together, have reinforced the personalised aspect of the relationships they maintain with their customers. It is worth noting that in the course of the past two years – as illustrated by the summary of the Customer Intimacy Barometer (see section 1) – almost 30 percent of the organisations surveyed have invested in the fluidity and interoperability of the channels for interaction offered to their customers (compared to only 19 percent in 2012). Further development of retention via actions to boost loyalty Personalisation of the offering to better respond to customer needs Personalisation of the customer relationship across all channels Bringing the marketing, sales and services organisations closer together to ensure the coherence of actions Increase fluidity and interoperability of distribution channels (multichannel) Unification and enrichment of the customer base Development of the marketing / sales policy for mobile channels (smartphones, tablets, etc.) Communication via social networks (integration of e-reputation management) Use of social media with a commercial objective Equip sales force with tablets to improve sales efficiency Increase revenue by favouring loyalty and recurrent sales: volume-driven logic Adapt the offering to attract new customers by better responding to their needs Simplify the customer experience and improve the quality of interactions to reduce costs by increasing the level of satisfaction Improve the individual profitability of each customer, by remaining selective Customer Intimacy Barometer 2013 Results 2012 Barometer
  • 28. 28 The priorities for the coming two years are the personalisation of the offering, improving the responsiveness and the quality of interactions, and reinforcing the interoperability of channels. It is worth noting that this last item has become a high priority compared to the previous year (when it was mentioned by only 10 percent of those interviewed, compared to 23 percent this year), whereas the two other items have remained relatively stable at 27-30 percent each. This interoperability of channels is accompanied by the development and leveraging of the knowledge of the customer, which explains the priority given to big data projects, ranked 4th with 22 percent of respondents (compared to only 12 percent in 2012, ranked in 9th position out of 10). Priority projects to be carried out in the coming two years to further develop customer intimacy Equipement des équipes commerciales et services avec des terminaux mobiles Mise en place de programmes d'animation relationnelle Analyse multidimensionnelle, prédictive, scoring… Renforcement de la présence sur les médias sociaux Renforcement des canaux permettant d'atteindre nos clients en situation de mobilité (smartphones, tablettes…) Amélioration des relations entre le marketing, les ventes et le service client Projet de Big Data afin d'enrichir le recueil, la structuration et l'exploitation de nos informations client Renforcement de l'interopérabilité des canaux de distribution / d'interaction client Amélioration de la réactivité et de la qualité des interactions client Personnalisation de l'offre pour répondre au mieux aux attentes client 30 % 27 % 23 % 22 % 22 % 18 % 15 % 11 % 11 % 10 % 35 % 22 % 10 % 12 % 17 % 15 % 23 % 23 % 14 % 4 % 1 – Strategic alignment Personalisation of the offering to better respond to customer expectations Improve the responsiveness and quality of customer interaction Reinforce the interoperability of channels for distribution / customer interaction Big data project in order to enrich collecting, structuring and processing of customer information Improvement of relationship between marketing, sales and customer service Reinforce channels that enable interaction with customers when mobile (via smartphones, tablets, etc.) Reinforcing presence in the social media Multi-dimensional and predictive analysis, scoring, etc. Implementation of programmes designed to bring the customer relationship to life Equip sales force and customer service teams with mobile terminals
  • 29. 29 2- Customer processes and organisation In 2013, the departments addressing issues linked to customers (marketing, sales and customer service) seem better integrated, even if a majority of the organisations structure them in an independent manner. This is one of the conditions for the successful implementation of strategies that enable the convergence of online and offline. Structuring the organisation to manage customer intimacy 54 % 35 % 11 % Clients gérés par plusieurs directions interagissant selon leurs propres objectifs Relation client gérée au sein de plusieurs directions très fortement intégrées bien qu’indépendantes Fonctions commerciale, marketing et service client unifiées sous une seule direction 15 % 45 % 40 % Customers managed by several departments which interact according to their own objectives Customer relationship managed within several highly integrated (but independent) departments Sales, marketing and customer service brought together in a single department Customer Intimacy Barometer 2013 Results 2012 Barometer
  • 30. 30 3- Cross-channel In 2013, all channels seem to be important and the answers given by those surveyed are much less clearly divided than in 2012. In this period of convergence between online and offline, these answers tend to show that all channels have a role to play in the ability of organisations to build deep and lasting relationships with their customers. In addition to the social media (which have grown into fully-fledged media in 2013 and seem to be integrated to the same extent as more traditional media), all other channels have regained a position they seemed to have somewhat lost in 2012. It is worth noting that call centres (which are increasingly making a qualitative contribution to closing sales) are once again becoming a channel judged to be key by 80 percent of those interviewed. The same holds true for new terminals (mobiles, smartphones, tablets, etc.), which are securing a privileged place in the mix of channels, as a result of an environment in which customers interact without regard for time or place. Importance of the channels used to interact with customers Top 2 (A+B) A- Très important B- Important C- Moyennement important D- Peu important E- Pas du tout important Ne s’applique pas à mon organisation Médias sociaux Réseau physique (magasin, boutique, agence…) Courrier papier, mail Commerciaux “terrain” Site Internet (et Extranet en B to B), y compris self-care Nouveaux terminaux (mobiles, smartphones, tablettes…) Centres d'appels (réception et émission d'appels) 80 % 76 % 76 % 75 % 74 % 73 % 63 % 39 % 30 % 71 % 44 % 52 % 42 % 36 % Call centres (inbound and outbound calls) New terminals (mobiles, smartphones, tablets, etc.) Internet site (and extranets for B-to-B), including self-service Salespeople “in the field” Post, email Physical network (store, boutique, branch, etc.) Social media Top 2 (A+B) A- Very important B- Important C- Moderately important D- Not very important E- Not at all important Not applicable to my organisation
  • 31. 31 Organisations selling to private individuals do not consider any one channel to be more important than another. The highly heterogeneous responses observed tend to illustrate strategies in which customers are treated well everywhere and in all the channels made available to them. Those interviewed seem to recognise the need to no longer consider the purchase process as linear, and will in future adapt by bringing together all the various purchase processes to attract, handle and retain their customers, in a coherent manner, involving partners and service providers associated with each step (delivery, after-sales support, etc.). In 2013, digital channels remain a development priority for organisations: the internet, extranets and the social media. More interestingly, other channels are also becoming priorities, whether new terminals, the physical network or salespeople “in the field”. Organisations have understood that their ability to ensure interoperability among all their channels, to reduce the likelihood that customers “escape” after an interaction, is a key challenge. The result is a cross-channel investment strategy that extends beyond just the digital channels. Consequences for organisations of the evolution of the interaction with customers/consumers as a result of new communication devices (Base: 84 respondents, B-to-C or B-to-B-to-C) Channels to be given a high priority for development in the next two years Offrir la possibilité aux clients qui viennent en point de vente physique de se renseigner directement depuis leurs mobiles sur le lieu de vente Faire converger tous les dispositifs on et off-line afin de les rendre très complémentaires et d'offrir une expérience d'achat la plus fluide possible S'adapter à des clients de plus en plus mobiles, en leur offrant la possibilité d'interagir à tout moment avec nous 2,1 2 1,9 Classement sur une échelle de priorité de 1 à 3, 1 étant le moins prioritaire, 3 le plus prioritaire Courrier papier, mail Centres d'appels (réception et émission d'appels) Commerciaux “terrain” Réseau physique (magasin, boutique, agence…) Nouveaux terminaux pour adresser les clients en situation de mobilité (mobile, smartphones, tablettes…) Médias sociaux Site Internet (et Extranet en B to B), y compris self-care 42 % 36 % 31 % 25 % 21 % 18 % 12 % 60 % 38 % 21 % 17 % 26 % 17 % 8 % Internet site (and extranets in B to B), including self-service Social media New terminals to address customers on the move (mobiles, smartphones, tablets, etc.) Physical networks (store, boutique, branch, etc.) Salespeople “in the field” Call centres (inbound and outbound calls) Post, email Adapt to increasingly mobile customers by offering the possibility to interact at any time Ensure the convergence of online and offline systems in order to make them highly complementary and to offer a customer experience which is as smooth as possible Offer customers that visit the physical point of sale the possibility to gather information directly via their mobile devices at the point of sale Classification according to an order of priority from 1 to 3, 1 having the lowest priority, 3 the highest Customer Intimacy Barometer 2013 Results 2012 Barometer
  • 32. 32 Similarly to the private market, organisations addressing professional customers (B-to-B and B-to-B-to-C via distribution intermediaries) are seeking both to respond to customers’ expectations of autonomy (by making digital channels available to them), while reinforcing their presence directly beside them, by way of sales forces “in the field” that are better equipped with mobile terminals (for reasons of improved productivity and sales efficiency when in nomadic situations). Confirming the trend already observed in 2012, the 2013 results illustrate the complementary nature of virtual and physical interaction in the channel mix. After a year in which the (re)investment in the human relationship was significant, the rate should slow in 2013 with a suitable balance between human and virtual interaction (almost half of those interviewed think that the role of the human element will stabilise in 2013). Consequences of the use of new devices in terms of improvement of the productivity and efficiency of the sales force when dealing with professional customers (Base: 85 respondents, B-to-C or B-to-B-to-C) Predicted evolution of the role of the human element – and thus physical channels – compared to digital channels Equiper l'ensemble des forces de vente de terminaux mobiles afin d'améliorer l'impact de leur discours commercial Développer des canaux dématérialisés (sites Internet, sites pour mobiles…) afin de répondre aux attentes clients en matière d'autonomie Equiper l'ensemble des forces de vente de terminaux mobiles afin de rendre leurs interactions plus rapides et/ou plus productives 2 2 1,9 Classement sur une échelle de priorité de 1 à 3, 1 étant le moins prioritaire, 3 le plus prioritaire 22 % 27 % 6 % 45 % Stabilité par rapport à aujourd’hui Fort développement du rôle de l’humain Hétérogénéité (mix entre contact réel et dématérialisé selon les étapes du parcours client) Disparition progressive du rôle de l’humain au profit du développement de relations dématérialisées 29 % 6 % 38 % 27 % 3- cross-channel Equip the entire sales force with mobile terminals to make their interactions more rapid and/or productive Further develop digital channels (websites, sites for mobiles, etc.) in response to customer expectations in terms of autonomy Equip the entire sales force with mobile terminals to increase the impact of their sales dialogue Classification according to an order of priority from 1 to 3, 1 having the lowest priority, 3 the highest Stable compared to today Strong development in the role of the human element Heterogeneity (mix of real and virtual contact according to the steps of the purchase process) Gradual disappearance of the human element in favour of the further development of virtual relationships
  • 33. 33 In 2013, organisations seem to have become aware that the interoperability of channels is not something to be taken for granted. Unlike in 2012 when many respondents felt that they were able to treat their customers well and in a coherent manner across the entire mix of channels, in 2013 55 percent of respondents recognise that their systems are not optimal: • 27 percent of respondents offer several channels for interaction, but without genuine interoperability; • 28 percent of respondents are still primarily mono-channel, even though their customers have multichannel expectations. The evolution in consumer behaviour and habits has raised doubts in organisations about their positioning, and is forcing them to reconsider the relevance of their systems. A striking result from the 2013 Barometer: 85 percent of those polled consider the convergence between online and offline systems to be a priority. Their organisations have already invested in projects within their physical network (48 percent of respondents), or they are in the initial stages of planning in this context (37 percent of respondents). These results illustrate the need for many organisations to focus their efforts in 2013 on rethinking their approach to the customer experience in terms of this convergence. Positioning of the organisation in terms of cross-channel management Convergence between online and offline (Base: 93 respondents, presence of a physical distribution network) 27 % 28 % 15 % 29 % Propose aux clients plusieurs canaux d’interaction réellement interopérables Est majoritairement monocanal : bien que les clients aient de réelles attentes en matière de multicanal Propose aux clients plusieurs canaux d’interactions pas réellement interopérables Est majoritairement monocanal : cela correspond aux attentes client 39 % 23 % 21 % 17 % 12 % 37 % 3 % 48 % Nous travaillons déjà sur la convergence on et off-line via l’usage des technologies Internet au sein des points de vente Notre réflexion est embryonnaire Nous n’avons pas de projet car nous considérons que cette convergence ne sera pas un enjeu clé en 2013 Nous ne sommes pas concernés du fait de nos structures de distribution ou des attentes limitées de nos clients Offer customers several genuinely interoperable channels for interaction Primarily mono-channel even though customers have real multichannel expectations Offer customers several channels for interaction that are not genuinely interoperable Primarily mono-channel which corresponds to customer expectations We are already working on convergence of online and offline by using internet technologies in our points of sale Our thinking is still in its initial stages We do not have a project in this area because we do not think this convergence will be a key challenge in 2013 This is not applicable to us thanks to our distribution structure or the expectations of our customers Customer Intimacy Barometer 2013 Results 2012 Barometer
  • 34. 34 4- Use of information 75 percent of the organisations interviewed feel that Big Data is relevant for them (or at least better gathering and use of information about customers collected during each interaction). More than half of them have launched or plan to launch projects in this regard. At a time when customer behaviour is evolving rapidly, organisations have clearly understood that the best way to convert them or increase their loyalty is to know and recognise them at every interaction. Usage of new means of gathering and using information about customers (“big data”) Projet trop complexe à mettre en œuvre / peu adapté à notre organisation Technologies utilisées pour mieux comprendre les clients et analyser leurs comportements (mode réactif et prédictif) Lancement (effectif ou prévu) de projet de type “Big Data” afin de mieux exploiter la masse d'informations accumulées sur les clients 53 % 36 % 25 % Très faible utilisation des informations (collecte “au cas où”) Utilisation des informations de manière très réactive pour corriger des problèmes d'organisation ou de processus Utilisation des informations de manière réactive pour améliorer l'offre Partage de l'information collectée avec les autres départements, utilisation pour améliorer globalement la qualité des interactions Utilisation des informations collectées à des fins principalement marketing Intégration systématique des informations dans les phases amont de conception de nouveaux produits 34 % 34 % 32 % 31 % 26 % 14 % 22 % 12 % 45 % 38 % 37 % 10 % Main uses of customer information gathered In addition to using information to improve the quality of interaction (which is often a matter for the channels themselves), organisations are focusing on two key matters: • The use of information gathered to improve the design of offerings proposed to customers (for one third of respondents); • The use of this information for primarily marketing purposes (namely scoring and pushing offerings in real time, providing more fine- tuned responses to enquiries, relationship marketing, etc.). It is worth noting that the use of information to improve organisational processes or shortcomings seems less of a priority than the previous year, the challenge being more in the use of data in real time (in terms of “what should be done with the information just received in order to close the sale?”). Launch (effective or planned) of a “big data” project in order to make better use of the mass of information gathered about customers Technologies used to better understand customers and analyse their behaviour (reactive and predictive mode) Project too complex to be implemented or little suited to our organisation Systematic integration of information in the upstream phases of new product design Use of information gathered mainly for marketing purposes Sharing information collected with other departments, and using it to improve the overall quality of interaction Use of information in a responsive manner to improve the offering Use of information in a highly responsive manner to correct organisational processes or problems Very limited use of information (gathered “just in case”)
  • 35. 35 A key lesson from the 2013 Customer Intimacy Barometer: organisations seem to have carried out a major realignment to facilitate the implementation of a customer intimacy strategy. Between 75 and 80 percent of those surveyed feel their positioning is coherent on the various items that make it possible to evaluate this alignment. The further development of a multichannel approach seems to be a priority, as does the coherence of processes and the organisation, as well as the ability to propose services that support the primary offering. In terms of alignment of the elements of the operational model on a strategy of customer intimacy (processes, organisation, information systems, culture and management control systems), organisations feel that the main obstacle (for 32 percent of respondents) is their ability to ensure the effective coherence of various partners and stakeholders (internal and external). This item is even more important given that, in an environment in which customers are addressed from all sides, organisations cannot on their own meet all the needs expressed and must thus develop strategic partnerships. These can be between brands and distributors, between ecommerce sites and bricks and mortar store chains, or between businesses offering similar consumption environments in terms of target customer. These partnerships need to be implemented with operators who share not only interests in terms of the targets to be addressed, but also in terms of values at a commercial level and the way the customer intimacy and customer relationships are managed. 5- Summaryandobstacles/difficultiesencountered in developing customer intimacy Coherence of the positioning of the organisation in terms of customer intimacy Main obstacles/difficulties encountered in the development of customer intimacy Top 2 (A+B) A- Tout à fait d’accord B- D’accord C- Ni en désaccord, ni en accord D- Pas d’accord E- Pas du tout d’accord Exploitation de l'information collectée et partage au sein de l'organisation Différenciation des concurrents via une politique de services innovante Cohérence des processus et de l'organisation, orientés vers le client Alignement de la stratégie sur le concept d'Intimité Client Développement effectif d'une approche multicanal 79 % 76 % 76 % 75 % 75 % 51 % 60 % 71 % 45 % 43 % Attentes clients basiques, rendant difficile une différenciation par la personnalisation de l'offre Systèmes de pilotage axés sur la rentabilité produit plus que client, vision trop court termiste Réseaux de vente on et off-line insuffisamment convergents, ne se nourrissant pas suffisamment l'un l'autre Sous-investissement en termes de systèmes d'information Organisation très compartimentée, difficulté à définir une politique et des objectifs communs autour du client Culture tournée vers l'Excellence Opérationnelle ou la Supériorité Produit Grand nombre de partenaires dans la production de l'offre, objectifs insuffisamment alignés sur le client 32 % 30 % 29 % 25 % 24 % 23 % 12 % 28 % 15 % 15 % 10 % 19 % 20 % Effective development of a multichannel approach Strategic alignment on the concept of customer intimacy Coherence of processes and the organisation, focused on the customer Differentiation from competitors by way of a policy of innovative services Use of the information gathered and sharing thereof within the organisation Large number of partners involved in producing the offering, objectives insufficiently aligned on the customer Culture focused on operational excellence or product superiority Highly compartmentalised organisation, difficulty in defining a common policy and objectives focused on the customer Under-investment in terms of information systems Insufficient convergence between online and offline sales network, do not feed each other enough Management systems focused on product profitability rather than customer, overly short-term vision Basic customer expectations, making it difficult to differentiate on the basis of personalisation of the offering Top 2 (A+B) A- Completely agree B- Agree C- Neither agree nor disagree D- Disagree E- Disagree completely Customer Intimacy Barometer 2013 Results 2012 Barometer
  • 36. 36
  • 38. 38 Laurent DechauxVICE PRESIDENT. Oracle Applications "Businesses that are not focusing on the customer experience risk choosing and implementing unsuitable tools."
  • 39. 39 testimonial Thanks to the new cloud deployment mode, businesses can gradually adapt solutions that smooth the customer relationship across all channels. However, it’s important to be aware of the limitations of the first generation of cloud solutions, which do not facilitate integration with legacy information systems and risk creating silos again. What evolution in consumer behaviour are you observing? Studies show that 86% of consumers are willing to spend more in exchange for better service or a better product. They’re more volatile, more impatient and demand recognition, regardless of the communication channel. Today there are many of these channels, and consumers blithely hop from one to another, looking for information, interacting, and making concrete purchases. The rise of social networks and the internet has given consumers a means to exert pressure on service quality to a previously unseen extent. How are your customers responding to this evolution? Our customers reacted to this new state of affairs by first carrying out an in-depth analysis of the customer experience of their brand, in order to adapt both their information systems (IS) and their sales processes. They were in particular able to adopt our solutions for smoothing the purchase process and improving the experience of their customers in every channel: social networks, ecommerce, call centres, etc. They also drew on the capabilities of their people, who play a key role in improving the customer experience; studies demonstrated people were highly motivated to participate in these initiatives. possible. We also offer tools that enable our customers to relocate these solutions within their own Information Systems in case of need. What are the limitations of these SaaS solutions? The first limitation is at the customer side, where people still hesitate to move their data into the cloud despite the guarantees of security and separation that these technologies offer today. Another limitation can be the level of integration needed between the solution and the Information Systems already in place. For example, the adoption of ecommerce solutions in the cloud is not very well developed taking into account the impact on the supply chain, inventory, etc. But here again, the solutions are improving and we’re continuously working on making the integration of processes easier, making the Information Systems more flexible and reducing the cost of ownership. How do you support them? The method they adopt – and which we recommend – is to prioritise quick wins in a given area or channel, check the performance of the solution put in place and then gradually extend it to other channels. We help them to further develop their IS so it’s able to respond to these new consumer behaviours, and to improve the capability of the brand to react more quickly.Thisisachievedinparticularthrough the use of SaaS solutions, thanks to which today it is possible to deploy a complete tool in less than three months, across all channels (internet, mobile, ecommerce, social networks, etc.), while guaranteeing the integration of these channels and the Information Systems already in place. The key outcome: a far better customer experience than was previously the case! Does this type of solution have any drawbacks? Fewer and fewer, because the solutions are improving. Whereas the first generation of CRM tools in SaaS mode could recreate silos by isolating customer relationship management or the sales force from the rest of the Information Systems, that’s no longer the case with the current generation. However, even though it has become easier to implement a SaaS solution from a functional point of view, the integration part should not be underestimated. From our side, we make sure that our technological solutions are as standardised as possible to enable the solutions to be integrated as simply, quickly and non-intrusively as
  • 40. 40 Olivier DerrienVice President Southern Europe. Salesforce.com "To capitalise on all the opportunities for performance improvement offered by social media, businesses need to transform themselves."
  • 41. 41 Confronted with the explosion of social networks, businesses are adapting the manner in which they communicate both externally and internally. But they still have to transform in order to take advantage of the sources of growth to be exploited by placing the customer at the centre. What evolution are you observing in customer relationship management? The relationship between customers and brands has changed greatly. Cloud computing, mobility, geolocation and social networks have triggered a revolution in consumer behaviour. The convergence of these transformations offers new possibilities for business applications that reinforce the proximity that a brand can have with every customer. Following in the footsteps of clients of ours such as Coca-Cola or Burberry, businesses need to unify the experience at the point of sale and on the internet in order to arrive at a coherent customer experience, image and communication. Where are businesses finding the main opportunities for growth? The rise of social networks is profoundly changing the way in which businesses can improve their performance. These media are a new channel for interaction and an undeniable opportunity to reach new customers. Today, there are cumulatively 4.5 billion social media users worldwide. According to Gartner, by 2017, the budgets available for marketing departments to spend in this channel will exceed those of IT departments. How can you help businesses? The “social front office” responds perfectly to this need. Salesforce Marketing Cloud enables marketing departments to understand what is being said about the brand on social networks, and to listen and even to engage in conversation with influencers, in order to learn concrete lessons for the evolution of production, or to launch marketing campaigns. Our enterprise social media tool “Chatter” enables teams to collaborate on matters that interest them, internally as well as externally, with partners and suppliers: a commercial opportunity, a complaint, a call… In this way, by improving the communication between the various stakeholdersinthebusiness,theycontribute to reducing work in functional silos which is an obstacle to increasing the flexibility of the customer experience. Are businesses aware of this? They have at least understood that they need to integrate these tools, even if only to attract and retain employees. 70 percent of companies are adopting social networks. They have also identified the need to modernise and transform themselves – albeit at various speeds and levels of depth – but they have not necessarily defined the way in which their business model will have to evolve to make use of these sources of performance improvement, in order to centre their operations even more on the customer. What is your advice to them? When managing the customer relationship, businesses should put in place tools that work in the same way and have the same interface,andstructuretheircommunication accordingly. Knowing what to say and when to say it on a Facebook page isn’t necessarily obvious. In the social media, the rhythm and impact of communication are fundamentally different. To adapt to this, you must first be capable of listening to and understanding what is being said about the brand. testimonial
  • 42. 42 Arnaud Deschampsmanaging director. Nespresso France "Competition is not only about the product – it’s also about the customer experience."
  • 43. 43 Along with coffee and the machines for making it, the customer relationship is one of the three fundamental pillars of Nespresso’s identity. From the beginning the company has put customer intimacy at the heart of its development. And this long-term investment has paid off, in particular in times of crisis. What evolution in customer behaviour are you observing? We’re dealing with expert customers – in ecommerce, services, new technologies – and they expect to be able to do everything (compare, order and interact) across all channels, simultaneously if possible. In addition, the internet has accustomed them to getting rapid responses in real time. And with web 2.0, this has expanded to include being able to express their opinion, in particular if their ethical values are not respected by the company. How do you respond to this? We have to at least offer them the same flexibility of experience that they expect. A customer can initiate an order on the internet, come to the store to finalise the transaction, and then decide to have the order delivered at home. But we also try to delight the customer by offering an unprecedented level of service, for example by offering delivery seven days a week, within two-hour time slots. To serve customers that may not want to talk, we’ve also put in place a self-service system in our stores, and have equipped the packaging with RFID chips that are automatically detected when they go over the counter at the checkout. In some stores they can even pick up their purchases directly without getting out of the car… Which rules did you follow in order to succeed? Sincethebeginning,we’vebeendetermined to be coherent and convergent. This intent is shared by every employee, who also has to trust all the others. If only one of them does not share this state of mind, or doesn’t have the information necessary to advise a customer, the efforts made by everyone to create customer intimacy can quickly be destroyed. It’s thus important to correctly understand the HR challenges involved (training, recruitment, internal promotion, etc.), but also those related to communication and governance What challenges does this create in terms of organisation? Being able to offer this flexibility in the customer experience creates an incredible level of complexity which must however be transparent for the customer. That’s the price of trust, because customers would not understand if we said different things depending on the channel, or that an action is possible on one channel but not another. Businesses need to become aware that customers don’t only compare products but also purchase experiences. So companies aren’t only in competition with other businesses in the same sector, but with all of them. And how do you create such flexibility? It’s not simple, because most companies start from a point of technological lag, compared to consumers. The majority of them are strong in one channel, but finding businesses that are strong in all of them, online and off, is rare. In addition, customer intimacy shouldn’t be considered a commercial strategy but rather a genuine corporate culture. The conviction of its worth must be shared at all levels if it is to create value. Clearly, that’s less easy when businesses operate in silos and when, for example, commercial objectives can damage the flexibility of the relationship. testimonial
  • 44. 44 Cyrille GiraudatMarketing Director. PMU "Social media enable us to reach new targets, on condition that we understand them and adopt their conventions."
  • 45. 45 The leading pari-mutuel horserace betting provider in Europe and second worldwide, PMU is using its expertise in ecommerce and the online customer experience to drive activity in its physical network and rejuvenate its clientele. What evolution are you observing in your customers’ behaviour? We’re observing a slight fall in bets in our physical points of sale (-2 percent), which is more than compensated for by the annual growth in our online activity, which is 22.8 percent. PMU.fr is one of the leading French ecommerce sites with revenue of EUR 1.65 billion. The most striking evolution is the strong increase in the nomadic share of business, which represents 20 percent of this activity today, and which is expected to reach 30 percent by the end of the year. How does this break down across your various markets? Online, horserace betting amounts to a total of EUR 972.1 million, an increase of 11.1 percent. It’s our growth in sports betting (+62 percent) and online poker (+39 percent) which is enabling us to acquire many new customers, in particular younger profiles. Our objective is to migrate the latter towards online horserace betting – 40 percent of these customers have already tried betting on horseraces – but also towards the physical network. How do you integrate social networks in you customer relationship management? Ultimately social networks are only a transposition of the proximity that has always existed in pari-mutuel betting. It’s an essentially community-based activity: you go there, often after having been initiated by an acquaintance. Social media enable us to reach new targets, on condition that we understand and adopt their habits and conventions. On Facebook, we organised a casting session for the punters in the film "Turf" and co- organised the first poker championship of the French grandes écoles. That has of course allowed us to rejuvenate our customer base. What do you do to drive activity in your network of points of sale? The development of the network of points of sale has been accentuated in order to optimise the coverage of the French territory. There was an average of three openings a day in 2012, accompanied in particular by a new store concept dedicated to taking PMU bets and broadcasting races: PMU City. Open seven days a week, open until late or all night, the PMU City stores offer the highest quality of service with staff who listen to customers, and betting via terminals and bollards equipped with top quality audio-visual gear. How are you organising the convergence between the two worlds? We’re using our digital know-how to stimulate growth offline. For example, by re-launching the PMU card, we’re modernising the customer experience in the physical network, since every customer can bet via the interactive bollards installed in 4,000 points of sale. The advantage for us is that the customer is no longer anonymous. We can have a direct relationship with everyone, as we do online, and thus build up knowledge of the customer. testimonial
  • 46. 46 Franck Heimburger Distribution Director, Employee Network. AXA "Transparency doesn’t scare us, it can create value."
  • 47. 47 As the leading employee network in the insurance sector in France, AXA has just equipped its 3,000 advisers with touch sensitive tablets loaded with all the necessary sales support tools. This technical evolution hides an underlying cultural revolution in the approach to the client relationship. What has the impact of the crisis been on the client relationship? In our business, providing advice on savings and prevention to 1.4 million clients, we’ve noted strong demand for transparency. People now want to understand what they’re buying and thus demand simple and clear offerings. With the exception of certain specific segments, this evolution is the end of the era of the Expert, who knows and selects almost in the client’s place. How have you reacted to this? We’re convinced that what creates value for clients resides in our ability on the one hand to help them understand the environment in which they are evolving, and on the other hand, to make choices adapted to their objectives and profile. And we think clients are prepared to pay for this guidance. Our response was thus to create, around our clients, an environment that enables them to have a clear vision of what they’re buying and gives them access to all the information they need. In addition to the transparency expected, it’s important to give clients greater control over their choices, by putting them at the centre of the system. What challenges did you have to face to launch this solution? Agreatdealofworkwasneededtointegrate the tool into the information system, since clients sign contracts on the tablet and everything is then directly injected into our management system. With iNov, our ambition is to combine the best of the physical presence of an adviser at a client’s home with an administrative relationship which is digitalised to the greatest extent possible. Clients receive their documents by email and can find all their statements in their personal space on axa.fr. We also had to invest in the development of a dozen applications (network, life insurance, savings, diversification, etc.). Not to mention the support provided to our advisers, for whom iNov represents both a technical and cultural revolution… How is this more educational advice translated in concrete terms? We have further developed our advisory tools and processes by transforming the workstations into something more commercial and lighter, genuinely oriented towards the client. Concretely, we’ve equipped our advisers with iPads loaded with all the necessary sales support tools (CRM software, product simulation tools, digital media library, etc.). This tool will also enable us to help our advisers’ attitude develop further, shifting from face-to-face sales to collaborative sales. How is this evolution interesting in terms of customer intimacy? The goal for the adviser is to guide every client through their own needs analysis, the definitionoftheirgoalsandtheidentification of an appropriate response. Clients can access useful information themselves, and observe visually how diversification of their assets may or may not help them attain their wealth maximisation goals. By using our apps, clients can “follow training” about our products, and learn about other aspects, all in very accessible language. Our relationships are thus stronger over the long term, because by educating clients so that they are better able to make their own choices, we’re able to go through periods of strong turbulence in the market with less disruption. testimonial
  • 48. 48 Stéphane JeanjeanDistribution Director. CA Services. Groupe Crédit Agricole "We put an integrated multichannel approach at the heart of the client relationship."
  • 49. 49 With its 39 regional cooperative retail banks and 7,200 branches, Crédit Agricole is in fact a business close to its clients. To ensure the bank’s relationship with its clients becomes increasingly intimate, the CA Services teams use the Group’s information systems to integrate its commitments to its clients in a 2.0 client relationship. How are clients’ expectations evolving? They want a bank that is simpler, more transparent, and they want to be able to take advantage of the autonomy granted by new technologies, while continuing to enjoy the benefits of a traditional bank: a bank that’s physically close by, characterised by a human relationship. They also expect greater responsiveness and proactivity, and more relevant advice. The internet has led to clients being better informed and that repositions the role of the adviser, focusing it on the added value of the advice given and the simplicity with which it is delivered. How are you responding to this? At Group level, this interactive and proactive relationship is the focus of a plan ("Client Relationship 2.0") which is centred on the values of building up relationships with clients: listening, providing loyal advice, delivering personalised solutions. These are the commitments that we’re integrating into an information systems transformation programme, which is at the same time part of a convergence project that will result in the progressive migration of all the regional cooperative banks to this shared platform by the end of 2013. What have you done in concrete terms? We’reputtinginplaceaCRMsolutioncoupled to a new data warehouse which will enable us to meet the challenge of understanding our clients, to communicate with them on judicious manner. The portal will also be accessible by tablet, which will facilitate the mobility of advisers within and outside of the branch, and will modify the attitude and behaviour required when interacting with the client. In addition to Information technology, what other challenges does one face when implementing relationship management in this manner? The job of the advisers will change, because they won’t necessarily work face-to-face with clients, but increasingly side-by-side or remotely. That could lead the bank to rethink the way certain spaces are designed. It will also result in managerial evolution which will have to be supported with new tools, but also with training since managers will have to run multichannel points of sale. To do this means having to integrate different client experiences, and no longer considering channels as cannibalistic but rather complementary, working for the benefit of the client relationship. all channels and to personalise the client relationship. The objective is to put in place genuinecross-channelrelationshipmarketing that responds to our clients’ expectations in terms of responsiveness and proactivity. Knowing that in parallel we’re continuing to develop our tools and processes for each channel. With this in mind, the smartphone application "My Budget", available in the stores and used daily by 500,000 clients to access their accounts, was adapted for the various OS1 for use on tablets. We’re also taking the opportunity to smooth our processes and promote digitalisation, with a pilot project in our branches for electronic signatures using touch sensitive tablets. Initially this will only be applicable to transactions involving the till, and will over time be extended to include contracts as well. What are you doing to ensure the convergence of online and offline? We’re going to harmonise the client and adviser workstations within a natively multichannel and multi-device portal, whose underlying principles are based on the evolution of internet practices (search engines, ergonomics, etc.). That will promote dialogue between the adviser and the client, who will have access to the same interface and applications. The multichannelprocesseswillbeinteroperable, digital and interruptible. The convergence between online and offline will thus be reinforced, since a process initiated on one channel can be interrupted and re- started at any time on another channel. The adviser will be informed of the progress made and will be able to take action in a 1 - OS : operating system testimonial
  • 50. 50 William Koeberléceo. Groupe Marionnaud "Improving the quality of our customer relationship by adapting our contact strategy to each profile in order to increase performance."
  • 51. 51 For Marionnaud, one of Europe's leading retail perfume and cosmetics specialists, the customer relationship is in essence intimate, and has to constantly echo the values of the brand: Proximity, Professionalism and Pleasure. These "Three Ps" recently inspired the evolution of the communication platform, the renovation of the stores and the online development around a promise: "Everyday Beautiful". What changes in behaviour are you observing among your customers? In general they’re more volatile than previously. In parallel, the shopping experience has become more complex. In terms of buyer behaviour, 66 percent have visited the website – to find information, compare and reassure themselves about the price – before coming into the store. And lastly, all their actions have also been changing since the arrival of smartphones and tablets. How does this change the nature of your response? We continuously increase segmentation to drive greater proximity in the relationship. With more nomadic lifestyles that combine the virtual and the real, we have to adapt our offering of advice to every situation while ensuring that we remain coherent in terms of service, values and price. For example, we designed a loyalty programme inresponsetotheexpectationofrecognition from customers who buy for themselves and want a personalised relationship. With our VIP Prestige card, they benefit from exclusive advantages (free delivery for all orders via the internet, invitations to private evenings in the store, free beauty diagnostics, birthday presents, a magazine “M and You” full of expert advice and beauty tips, etc.). And online? We have reworked our internet site: it’s simpler, faster, has all the useful information on the home page, offers the possibility for contact (via an expert interactive blog, M The Beauty Blog) and video advice (the Blush web series). It’s a way to share our know-how and expertise in an interactive, accessible and fun way, but also respond to the expectations of customers who may, at certainmoments,prefertobeadvisedinthat way rather than via a discussion in the store. On Facebook we also run a community of 160,000memberswhoseengagementlevel is among the highest in the sector. How do you reinforce your knowledge of the customer? We were pioneers in this area, and launched our loyalty programme in 1990. We’re thus fortunate to have a database of 14 million Europeancosmeticsusers.In2012,inorderto becomemoreresponsive,learnmorequickly and compare and harmonise information at a European level, we internalised the management of this database and built up internal teams (CRM data minders ) to work with it and successfully steer our marketing operations in a more responsive and personalised manner, according to purchasing profiles. Reinforcing customer knowledge is a determining factor in order to offer without imposing, to seduce and to convince. For Marionnaud, improving the customer relationship is not only judiciously proposing products, it’s also about fostering an enduring proximity between the brand and the customer. How have you realised this ambition to be coherent in concrete terms? Welaunchedanenormousrenovationproject for our stores in order to be coherent with our positioning and the expression of our values. Customer intimacy is promoted via the "advice bar"; the central location of the checkout in the store favours proximity; lastly, at the back of the store there is a space for beauty care that requires a calmer environment. Focusing on the notion of pleasure, the customer experience was rethought so it makes it possible to get your bearings, and to easily find the universe of your preferred brand, or that of a new temptation… Professionalism is made concrete by the welcome given in terms of services such as the personalised beauty care diagnostic of IOMA1 .It’salsoembodiedinamoreanecdotal way (but in a manner very characteristic of our approach that responds to evolution in customer behaviour) by a small quick test on an iPad or touch screen on the wall, which helps you to find the perfume universe that resembles you and to select the perfume that’s right for you from among the multitude of products available. 1 - IOMA is a French cosmetics brand dedicated to skincare. testimonial
  • 52. 52 Xavier Quérat-HémentQuality Director. La Poste group "The cause of complaints, much like the reasons for dropping a supplier, has more to do with service and the relationship than with the product itself."