© 2015 Aurea Confidential
Was ist die schönste Erfahrung,
die Sie als Kunde jemals gemacht haben?
Michael Huspenina, VP Pr...
© 2015 Aurea Confidential 2
WIR LIEFERN DIE TECHNOLOGIE FÜR
GLÜCKLICHERE UND PROFITABLERE
KUNDEN
© 2015 Aurea Confidential 3
Aurea hilft Unternehmen einzigartige
Kundenerlebnisse zu schaffen
© 2015 Aurea Confidential 4
© 2015 Aurea Confidential 5
“NEW NORMAL”
Die Finanzkrise von 2008 hat ein
für das Kreditgeschäft definiert
© 2015 Aurea Confidential 6
Kreditvergabe im Wandel
Vor der Krise
Fokus auf “Verkauf”
▶ Geschwindigkeit
▶ Kosten
▶ Kundenz...
© 2015 Aurea Confidential 7
ECHTER WETTBEWERBSVORTEIL
Integriertes Risko-Management als
nach der Finanz-Krise.
© 2015 Aurea Confidential 8
Integrated Credit Decision Platform - Kanäle
Konsumten Karte
Bestandskunden Kredit
Konsumenten...
© 2015 Aurea Confidential 9
Robustes Operational
Monitoring &
Reporting
Unterstützt
>19K Anwender
Integrated Credit Decisi...
© 2015 Aurea Confidential 10
© 2015 Aurea Confidential 11
AUSSERGEWÖHNLICHEN SERVICE
Differenzierung durch
bei jeder Kundeninteraktion
© 2015 Aurea Confidential 12
VORTEIL UNSERER KUNDEN
Investition in Produkte und Services zum
© 2015 Aurea Confidential 13
Intensivere Kundenbindung durch neue Technologien
BA.com Mobile Apps iBeacon
© 2015 Aurea Confidential 14
Intensivere Kundenbindung durch neue Technologien
Flight Manifest
▶ Wer sitzt wo?
▶ Reisebegl...
© 2015 Aurea Confidential 15
Service Integration Platform
Modernisierung der Infrastruktur
▶ Austausch von Mainframe & Bac...
© 2015 Aurea Confidential 16
© 2015 Aurea Confidential 17
MAGISCHEN VERGNÜGENS.
Seien Sie bereit für eine völlig neue Dimension
© 2015 Aurea Confidential 18
MAGICBAND
Mit Technik gespickt lässt
alles um Sie herum wie Magie wirken.
© 2015 Aurea Confidential 19
MAGICAL EXPRESS.
Starten Sie Ihre fantastische Reise mit dem
© 2015 Aurea Confidential 20
SEIEN SIE UNSER GAST.
Betreten Sie Belles verzaubertes Schloss.
© 2015 Aurea Confidential 21
Warum setzt Disney $1 Milliarde auf ein magisches Armband?
▶ Eine noch nie dagewesene Kontrol...
© 2015 Aurea Confidential 22
© 2015 Aurea Confidential 23
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USECON RoX 2015: Was ist die schönste Erfahrung, die Sie als Kunde je gemacht haben?

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Speaker: Michael Huspenina (Vice President update software AG)

Außergewöhnliche Kundenerfahrungen zu entwickeln und richtig um zu setzen, ist für viele Unternehmen ein große und v.a. wichtige Herausforderung. Denn diese besonderen Erlebnisse bringen Ihrem Unternehmen viel Mehrwert: Ihre Kunden werden dadurch enthusiastischer, loyaler und – in letzter Konsequenz – profitabler.

Anhand von ausgewählten Kundenbeispielen wird Ihnen Michael Huspenina veranschaulichen, wie auch Sie eine durchschnittliche Kundenerfahrung in eine außergewöhnliche verwandeln können. Wie bspw. ein Vergnügungspark ohne Warteschlangen oder ein Paket, das dann geliefert wird, wenn es für Sie am besten passt.

Haben Sie dazu Fragen oder möchten Sie die Folien haben, dann kontaktieren Sie uns bitte unter office@usecon.com

Veröffentlicht in: Technologie
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  • Credit is the core financing source for companies and individuals.
    It is a core driver of bank revenues and profits.

    Credit economics are primarily driven by three dimensions:
    Efficiency (operational cost)
    Effectiveness (risk cost)
    Pricing (revenues)

    Credit is fuel for the economy. As the economic recovery continues, demand for credit will rise to fund investments that were suspended during the crisis.

    Ongoing repercussions of the crisis:
    Significant drop in credit quality of borrowers
    Capital and funding is scarcer, resulting in higher costs for credit supply
    Stricter regulatory framework results in increased cost
  • Prior to the recent financial crisis, numerous banks revamped their credit underwriting processes with a focus
    speed
    costs
    efficiency
    customer satisfaction

    The one thing they forgot to consider was effectiveness, or risk cost, and many subsequently got burned. Several banks are again re-evaluating their credit processes, now with an emphasis on:
    lower losses
    streamlined operations

    By focusing jointly on efficiency and effectiveness, banks can draw important lessons from the crisis and accordingly adapt to the new dynamics of credit demand and supply.
  • Integrated Credit Decision Platform is a world class underwriting platform for Consumer and Small Business Lending
    Customer-centric lending with holistic view of the Customer relationship
    Significantly improve lender efficiency with improved controls
    Enables higher automation levels & strategy optimization

    Objectives include:
    Consistent customer treatment regardless of channel/type of request
    Simplify the operational environment and automate non-value add work
    Reduce variability and regulatory risk from inconsistent associate action
    Improve Associate experience and efficiency by consolidating several platforms/systems into one
    Reduce operational costs
    Standardize data collection, management, analytics and modeling, and improved utilization of on-us information enabling a common view of the Customer


    5 strategic areas of process redesign
    Start with a clear risk strategy
    Risk assessment = balance of hindsight and foresight
    End-to-end risk mindset (sales to processing)
    Boost effectiveness through improvements in efficiency
    Shape a new organizational risk culture


  • The airline industry is a consolidated market
    Capital intensive industry
    Major consolidation wave
    Mergers & acquisitions
    Multi-national alliances
    Limited number of service / software providers

    Differentiation in a consolidated market
    Brand positioning
    Customer experience
    Operational excellence
  • “Our mission is to be the leading international airline group. This means we will:
    • win the customer through service and value across our global network;
    • deliver higher returns to our shareholders through leveraging cost and revenue opportunities across the Group;
    • attract and develop the best people in the industry;
    • provide a platform for quality international airlines, leaders in their markets, to participate in consolidation;
    • retain the distinct cultures and brands of individual airlines.”
  • Invest in products and services that benefit the customers:
    - A380
    - New business and first class cabins
    - New lounges
    - ...

    Also, use technology to enhance the customer experience.
  • BA use technology to offer their customers a personalised and intuitive service across a number of platforms, allowing them to have as much or as little contact with them as they like.

    Since 2012 290% increase in bookings via mobile devices.

    BA have an app to deliver personalised, relevant and time sensitive travel information at the touch of a button.

    In a first for the UK airline industry, BA began using iBeacon technology in their lounges to show useful notifications based on location, such as the gate numbers and flight boarding notifications.
  • The crew is equipped with iPads. The customer manifest is available electronically on the tablet. No more large stacks of paper. Flight attendants have all available information about every passenger at their fingertips.
  • Integrates 600 different systems and processes
    250 applications
    300 locations around the globe
    Real time data integration and caching
    End-to-end monitoring of interactions
  • In 2008, Meg Crofton, then president of Walt Disney World Resort, told them to root out all the friction within the Disney World experience. “We were looking for pain points,” she says. “What are the barriers to getting into the experience faster?” The idea started with a handful of insiders, jokingly called The Fab Five (reference to Mickey, Minnie, Donald, Goofy and Pluto).

    The Fab Five were not just Imagineers, the demigods of fun who create Disney’s attractions. They also included high-level veterans of the company’s sprawling operations division, executives intimately familiar with the gnarly realities of running the park—from catching people trying to scam the ride-reservation system to making sure parents are reunited with lost kids.

    Disney World invested $1billion on a magical wristband. Why? because it gives them the opportunity to create a frictionless, magical experience through invisible design.
  • The MagicBands look like simple, stylish rubber wristbands offered in cheery shades of grey, blue, green, pink, yellow, orange and red. Inside each is an RFID chip and a radio like those in a 2.4-GHz cordless phone. The wristband has enough battery to last two years. It may look unpretentious, but the band connects you to a vast and powerful system of sensors within the park. And yet, when you visit Disney World, the most remarkable thing about the MagicBands is that they don’t feel remarkable at all. They’re as ubiquitous as sunburns and giant frozen lemonades. Despite their futuristic intentions, they’re already invisible.

    Part of the trick lies in the clever way Disney teaches you to use them—and, by extension, how to use the park. It begins when you book your ticket online and pick your favorite rides. Disney’s servers crunch your preferences, then neatly package them into an itinerary calculated to keep the route between stops from being a slog—or a frustrating zig-zag back and forth across the park. Then, in the weeks before your trip, the wristband arrives in the mail, etched with your name—I’m yours, try me on. For kids, the MagicBand is akin to a Christmas present tucked under the tree, perfumed with the spice of anticipation. For parents, it’s a modest kind of superpower that wields access to the park.
  • If you sign up in advance for the so-called “Magical Express,” the MagicBand replaces all of the details and hassles of paper once you touch-down in Orlando. Express users can board a park-bound shuttle, and check into the hotel. They don’t have to mind their luggage, because each piece gets tagged at your home airport, so that it can follow you to your hotel, then your room. Once you arrive at the park, there are no tickets to hand over. Just tap your MagicBand at the gate and swipe onto the rides you’ve already reserved. If you’ve opted in on the web, the MagicBand is the only thing you need.

    It’s amazing how much friction Disney has engineered away: There’s no need to rent a car or waste time at the baggage carousel. You don’t need to carry cash, because the MagicBand is linked to your credit card. You don’t need to wait in long lines. You don’t even have to go to the trouble of taking out your wallet when your kid grabs a stuffed Olaf, looks up at you, and promises to be good if you’ll just let them have this one thing, please.
  • This invisible experience also flows into your restaurant booking. You order your food in advance on the web or with the Disney World app.

    The restaurant lies beyond a gate of huge fiberglass boulders, painstakingly airbrushed to look like crumbling remnants of the past. Crossing a cartoon-like drawbridge, you see the parapets of a castle rising beyond a snow-dusted ridge, both rendered in miniature to appear far away. The Gothic-styled entrance is teensy. Such pint-sized intimacy is a psychological hack invented by Walt Disney himself to make visitors feel larger than their everyday selves. It works. You feel like you’re stepping across the pages of a storybook.

    A host will greet you at the drawbridge and already know your name—Welcome Mr. Tanner! She’ll be followed by another smiling person—Sit anywhere you like! Neither will mention that, by some mysterious power, your food will find you.

    “It’s like magic!” a woman says to her family as they sit. “How do they find our table?” The dining hall, inspired by Beauty and the Beast, features Baroque details but feels like a large, orderly cafeteria. Soon, their food arrives exactly as promised, delivered by a smiling young man pushing an ornately carved serving cart that resembles a display case at an old museum.

    It’s surprising how the woman’s sensible question immediately fades. This is by design. The family entered a matrix of technology the moment it crossed the moat, one geared toward anticipating their whims without offering the slightest clue how. How do they find our table? The answer is around their wrists.
  • Schließen Sie für einen Moment Ihre Augen und denken Sie an das letzte Mal, als Sie ein großartiges (Kunden)Erlebnis hatten.
    Ein Erlebnis, das Sie wirklich bewegt hat … eines, dass Ihr Herz, Ihre Gedanken und Ihren Geist berührt hat.
    Was war das Besondere daran?
    Nehmen Sie sich heute am Weg nachhause doch einfach die Zeit und überlegen Sie sich, wie Sie dieses Erlebnis für jemand anderen – vielleicht schon morgen - zum Leben erwecken können.
  • USECON RoX 2015: Was ist die schönste Erfahrung, die Sie als Kunde je gemacht haben?

    1. 1. © 2015 Aurea Confidential Was ist die schönste Erfahrung, die Sie als Kunde jemals gemacht haben? Michael Huspenina, VP Pre-Sales CES Europe
    2. 2. © 2015 Aurea Confidential 2 WIR LIEFERN DIE TECHNOLOGIE FÜR GLÜCKLICHERE UND PROFITABLERE KUNDEN
    3. 3. © 2015 Aurea Confidential 3 Aurea hilft Unternehmen einzigartige Kundenerlebnisse zu schaffen
    4. 4. © 2015 Aurea Confidential 4
    5. 5. © 2015 Aurea Confidential 5 “NEW NORMAL” Die Finanzkrise von 2008 hat ein für das Kreditgeschäft definiert
    6. 6. © 2015 Aurea Confidential 6 Kreditvergabe im Wandel Vor der Krise Fokus auf “Verkauf” ▶ Geschwindigkeit ▶ Kosten ▶ Kundenzufriedenheit Nach der Krise Fokus auf “Risko” ▶ Geringere Ausfälle ▶ Optimierte Abläufe Credit underwriting after the crisis, McKinsey, 2010
    7. 7. © 2015 Aurea Confidential 7 ECHTER WETTBEWERBSVORTEIL Integriertes Risko-Management als nach der Finanz-Krise.
    8. 8. © 2015 Aurea Confidential 8 Integrated Credit Decision Platform - Kanäle Konsumten Karte Bestandskunden Kredit Konsumenten Service Centers SMB Karte Bestandskunden Kredit SMB Service Centers SMB Karte Konsumten Karte Bestandskunden Kredit Korrespondenzen Konsumten Karte & SMB Karte Bestandskunden Kredit Online Banking Konsumten Karte & SMB Karte Bestandskunden Kredit Märkte & Segmente
    9. 9. © 2015 Aurea Confidential 9 Robustes Operational Monitoring & Reporting Unterstützt >19K Anwender Integrated Credit Decision Platform - Möglichkeiten Integrierte CRM Daten Ermöglicht hohe Automation von Entscheidungen Unterstützt >12MM Kreditanfragen p.a. Kundenzentriete Kredite
    10. 10. © 2015 Aurea Confidential 10
    11. 11. © 2015 Aurea Confidential 11 AUSSERGEWÖHNLICHEN SERVICE Differenzierung durch bei jeder Kundeninteraktion
    12. 12. © 2015 Aurea Confidential 12 VORTEIL UNSERER KUNDEN Investition in Produkte und Services zum
    13. 13. © 2015 Aurea Confidential 13 Intensivere Kundenbindung durch neue Technologien BA.com Mobile Apps iBeacon
    14. 14. © 2015 Aurea Confidential 14 Intensivere Kundenbindung durch neue Technologien Flight Manifest ▶ Wer sitzt wo? ▶ Reisebegleitung? ▶ Frequent Flyer? ▶ Spezielle Bedürfnisse? In-flight entertainment ▶ First-Class Passagiere
    15. 15. © 2015 Aurea Confidential 15 Service Integration Platform Modernisierung der Infrastruktur ▶ Austausch von Mainframe & Back-Office Applikationen ▶ Integration von Zukäufen ▶ Integration neuer Kanäle und Services (Mobile, Apps, etc.) ▶ Weiterentwicklung von Prozessen, Produkten und Services Bessere Nutzung von Kunden- und Betriebsdaten ▶ Integration von Big Data Lösungen ▶ Umsetzung personalisierter, real-time Upsell-Initiativen
    16. 16. © 2015 Aurea Confidential 16
    17. 17. © 2015 Aurea Confidential 17 MAGISCHEN VERGNÜGENS. Seien Sie bereit für eine völlig neue Dimension
    18. 18. © 2015 Aurea Confidential 18 MAGICBAND Mit Technik gespickt lässt alles um Sie herum wie Magie wirken.
    19. 19. © 2015 Aurea Confidential 19 MAGICAL EXPRESS. Starten Sie Ihre fantastische Reise mit dem
    20. 20. © 2015 Aurea Confidential 20 SEIEN SIE UNSER GAST. Betreten Sie Belles verzaubertes Schloss.
    21. 21. © 2015 Aurea Confidential 21 Warum setzt Disney $1 Milliarde auf ein magisches Armband? ▶ Eine noch nie dagewesene Kontrolle von großen Menschenmassen und Sammlung von Daten durch Wearables ▶ Durch reduzierte Wartezeiten und optimierte Logistik haben die Gäste nun viel mehr Zeit die Attraktionen zu genießen, Essen zu gehen und Geschenke zu kaufen ▶ Disney weiß ganz genau, wo sie ihre Mitarbeiter einsetzten müssen und wie sie jedes einzelne Kundenerlebnis personalisieren können
    22. 22. © 2015 Aurea Confidential 22
    23. 23. © 2015 Aurea Confidential 23

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