{"id":3323,"date":"2023-04-11T08:50:06","date_gmt":"2023-04-11T08:50:06","guid":{"rendered":"https:\/\/www.quinnox.com\/?p=3323"},"modified":"2023-07-25T07:32:07","modified_gmt":"2023-07-25T07:32:07","slug":"making-banking-personal-five-ways-to-build-successful-loyalty-programs","status":"publish","type":"post","link":"https:\/\/www.quinnox.com\/blog\/five-ways-to-build-successful-loyalty-programs\/","title":{"rendered":"Making Banking Personal \u2013 Five Ways to Build Successful Loyalty Programs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3323\" class=\"elementor elementor-3323\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e04a8a elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3e04a8a\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b348903\" data-id=\"b348903\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t \r\n\t\t<div class=\"elementor-element elementor-element-d3475a6 elementor-widget elementor-widget-Resource_Detail_Banner\" data-id=\"d3475a6\" data-element_type=\"widget\" data-widget_type=\"Resource_Detail_Banner.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"resource-detail-banner common-banner\" style=\"background-image: url(https:\/\/www.quinnox.com\/wp-content\/uploads\/2022\/09\/Group-25369-1.png);\">\n            <div class=\"container p-0 h-100\">\n                <div class=\"row align-items-center h-100\">\n                    <div class=\"col-md-7 align-self-center\">\n\t\t\t\t\t<div class=\"breadcrumbs\" typeof=\"BreadcrumbList\" vocab=\"https:\/\/schema.org\/\">\n\n\t\t\t\t\t\t<!-- Breadcrumb NavXT 7.3.1 -->\n<span property=\"itemListElement\" typeof=\"ListItem\"><a property=\"item\" typeof=\"WebPage\" title=\"Go to Quinnox.\" href=\"https:\/\/www.quinnox.com\" class=\"home\" aria-current=\"page\"><span property=\"name\">Home<\/span><\/a><meta property=\"position\" content=\"1\"><\/span>\n\t\t\t\t\t\t<\/div>\n                        <h1 class=\"main-title\">Making Banking Personal \u2013 5 Ways to Build Successful Loyalty Programs\n<\/h1>\n                        <p class=\"author\"><\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n                    <\/div>\n                    <div class=\"col-md-5 align-self-center\">\n\t\t\t\t\t\t <img decoding=\"async\" class=\"lazyimagenew\" alt=\"Loyalty Programs\" src=\"https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Desktop-Banner-1.webp\"\/>\n                    <\/div>\n\t\t\t\t\t<span class=\"form-popup\">\n\t\t\t\t\t\t<div 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text-right\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-831\"><span class=\"wpcf7-form-control wpcf7-acceptance\"><span class=\"wpcf7-list-item\"><label><input type=\"checkbox\" name=\"acceptance-831\" value=\"1\" aria-invalid=\"false\" \/><span class=\"wpcf7-list-item-label\">By submitting this form, you hereby agree that we may collect, store and process your data that you provided. <a href=\"\/privacy-policy\/\">Read our Privacy Policy<\/a><\/span><\/label><\/span><\/span><\/span><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"sourceurl\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text current-url\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"sourceurl\" \/><\/span><br \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n\t\t<\/p>\n\t<\/div>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<span class=\"form-popup\">\n\t\t\t\t\t\t<div class=\"modal fade event-popup\" id=\"custom-form\" role=\"dialog\">\n\t\t\t\t\t\t\t<div class=\"modal-dialog\">\n\t\t\t\t\t\t\t\t<div class=\"modal-content\">\n\t\t\t\t\t\t\t\t\t<div class=\"modal-body\">\n\t\t\t\t\t\t\t\t\t\t<button type=\"button\" class=\"close\" data-bs-dismiss=\"modal\" aria-label=\"Close\">x<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/span>\n                <\/div>\n            <\/div> \n\n        <\/section>\n    \n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d44b8b9 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"d44b8b9\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0ec8b5f\" data-id=\"0ec8b5f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-30e56cc elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"30e56cc\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-db189f4\" data-id=\"db189f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-24e27f0 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"24e27f0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.linkedin.com\/in\/amitkpatra\/\" target=\"_blank\" rel=\"noopener\">Amit Patra - Senior Manager<\/a><\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-295249b\" data-id=\"295249b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b9316b6 elementor-widget elementor-widget-single_share\" data-id=\"b9316b6\" data-element_type=\"widget\" data-widget_type=\"single_share.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\r\n<section class=\"single-share\" id=\"share\">\r\n\t<div class=\"container\">\r\n\t\t<div class=\"single-events-detail\">\r\n\t\t\t<div class=\"row\">\r\n\t\t\t\t<div class=\"col-lg-12 col-md-4 align-self-center\">\r\n\t\t\t\t                <\/div>\r\n                <div class=\"col-lg-12 col-md-8 align-self-center justify-content-end\">\r\n\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\r\n                        <ul>\r\n                            <li><a class=\"fb\" target=\"_blank\" href=\"http:\/\/www.facebook.com\/sharer.php?u=https:\/\/www.quinnox.com\/blog\/five-ways-to-build-successful-loyalty-programs\/&amp;t=Making Banking Personal \u2013 Five Ways to Build Successful Loyalty Programs\"><\/a><\/li>\r\n                            <li><a class=\"tw\" target=\"_blank\" href=\"\/\/twitter.com\/share?url=https:\/\/www.quinnox.com\/blog\/five-ways-to-build-successful-loyalty-programs\/\"><\/a><\/li>\r\n                            <li><a class=\"ln\" target=\"_blank\" href=\"http:\/\/www.linkedin.com\/shareArticle?mini=true&amp;title=Making Banking Personal \u2013 Five Ways to Build Successful Loyalty Programs&amp;url=https:\/\/www.quinnox.com\/blog\/five-ways-to-build-successful-loyalty-programs\/\"><\/a><\/li>\r\n                        <\/ul>\r\n           \r\n                <\/div>\r\n            <\/div>  \r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/section> \r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-af088a3 elementor-widget elementor-widget-text-editor\" data-id=\"af088a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>As per the Salesforce report, <strong>80% of the companies began the <a href=\"https:\/\/www.quinnox.com\/digital-business-services\/\">digital transformation<\/a>; 14% made &amp; sustained performance improvements &amp; only 3% completed the change last year.<\/strong> Further, the report states that the average cost of failing to achieve <a href=\"https:\/\/www.quinnox.com\/digital-business-services\/\">digital transformation<\/a> initiatives is around $9.5 million annually.<\/p><p>The past three years have brought about unprecedented economic instability, affecting businesses of all sizes and industries. Banks, in particular, face significant challenges as they navigate economic uncertainty and changing customer behaviors. The Pandemic has boosted the need for digital banking &amp; made it easier for banks to increase the digital channels while closing the physical branches.<\/p><p>Digital banking has helped customers better manage their funds whenever and wherever they want without compromising safety. As a result, the latest report states that <strong>the number of digital banking users globally is likely to reach 3.6 billion by 2024<\/strong>. In fact, according to global online banking statistics, around 73% of customers use online banking platforms at least once every month.<\/p><p>Moreover, with increased digital banking, customer loyalty has become highly fragile. According to the Quantum metric report, 70% of consumers have multiple bank accounts and can easily switch their banks at their fingertips if they aren\u2019t happy with the digital experience their existing bank provides. Therefore, banks that want to win customer loyalty have to offer digital services that are at par and meet customer expectations.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ff5dcd elementor-widget elementor-widget-heading\" data-id=\"8ff5dcd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why is Customer Loyalty Essential?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f75c2dd elementor-widget elementor-widget-text-editor\" data-id=\"f75c2dd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Gartner defines customer loyalty as customers&#8217; willingness to return to a company for repeated business. It is hard for banks to retain customers at present market conditions where competitors, neo banks &amp; Fintechs are luring consumers with lucrative offers.<\/p><p>Additionally, millennials &amp; Gen Z, representing most of today&#8217;s customer base, are highly fickle &amp; less likely to show loyalty. Without loyal customers, businesses compete in the red ocean with strong market forces working against them, which increases customer acquisition cost &amp; retention costs while margins consistently get trimmed down.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8897a34 elementor-widget elementor-widget-heading\" data-id=\"8897a34\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why Do Customers Leave a Bank?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0be228a elementor-widget elementor-widget-text-editor\" data-id=\"0be228a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Consumers depend on multiple banks for various needs. The Experian report shows that customers switch their banks because of high fees, the actual rate of returns, lack of digital capabilities, lack of personalization, poor customer service, lack of enough products &amp; services, and slower banking experience. Customers&#8217; top priorities are speed, efficiency, personalization, and easy access to online banking services.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-91e9c63 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"91e9c63\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d95700c\" data-id=\"d95700c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6509a6a elementor-widget elementor-widget-image\" data-id=\"6509a6a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Building-Better-768x512.webp\" class=\"attachment-medium_large size-medium_large wp-image-3272\" alt=\"Customer Loyalty Programs\" srcset=\"https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Building-Better-768x512.webp 768w, https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Building-Better-300x200.webp 300w, https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Building-Better-1024x683.webp 1024w, https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Building-Better-1536x1024.webp 1536w, https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Building-Better-2048x1366.webp 2048w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-fa5afde\" data-id=\"fa5afde\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d7eee3a elementor-widget elementor-widget-heading\" data-id=\"d7eee3a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Building Better \u2013 Customer Loyalty Programs<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-379531b elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"379531b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Research from Monferrer et al. (2019) shows a strong relationship between customer engagement &amp; customer loyalty. It explains that customer loyalty ignites when customers feel emotionally satisfied when they engage with the bank they trust.\u00a0This blog suggests <strong>five strategic ways for banks<\/strong> to improve customer loyalty programs during uncertain times.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-55b4c37 elementor-widget elementor-widget-heading\" data-id=\"55b4c37\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Improving Customer Service through Hyper-Personalization<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62fb6d9 elementor-widget elementor-widget-text-editor\" data-id=\"62fb6d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Banks should focus on building seamless customer experience(CX) through reimagined customer service\ncloud by personalizing every customer interaction. Utilize the enriched data to understand the customer\njourney and use deeper analytics for a 360-degree view of customer behavior. Augment AI\/ML capabilities to create personalized assistants to solve customer issues. Increase automation in business processes, feature development &amp; testing to reduce human intervention &amp; errors. Maximize the usage of loyalty data internally to accelerate business priorities across the organization, including CRM,\nmarketing, pricing, promo, products, services, and customer service.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-80a91c8 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"80a91c8\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7e1fec6\" data-id=\"7e1fec6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d431bd0 elementor-widget elementor-widget-heading\" data-id=\"d431bd0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Analyzing Customer Data to Create Positive CX<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70e151d elementor-widget elementor-widget-text-editor\" data-id=\"70e151d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>At the highest level, leading companies realize that creating a positive customer experience has long-term benefits. To make this connection real, C-suites need to connect the dots at every stage of the customer journey to understand customers&#8217; feelings and harness analytics tools accordingly to identify areas needing improvement. By addressing these pain points through transformation initiatives &#8211; such as optimizing financial service interactions &#8211; businesses can create value for their customers and themselves by increasing lifetime revenue streams. The bottom line is clear: investing in understanding consumers&#8217; wants leads to success.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-61fe9a6\" data-id=\"61fe9a6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d9e67f3 elementor-widget elementor-widget-image\" data-id=\"d9e67f3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.quinnox.com\/wp-content\/uploads\/elementor\/thumbs\/Analyzing-Customer-Data-scaled-q799rxdd44djyiat7vmloqjwk0o89pv3pz302ghd40.webp\" title=\"Analyzing Customer Data\" alt=\"financial service\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b17822 elementor-widget elementor-widget-heading\" data-id=\"4b17822\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Delivering Omnichannel Experiences<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7e1cd3 elementor-widget elementor-widget-text-editor\" data-id=\"d7e1cd3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Omni-channel is not an option anymore; it is a business necessity. To cater to the needs of multiple generations, banks should build authentic omnichannel experiences for customers. Most organizations only focus on strengthening their mobile &amp; web presence while ignoring other channels. E.g., One of the challenger banks cannot verify the change of address through the <a href=\"https:\/\/www.quinnox.com\/modern-application-development\/\">mobile app<\/a> or website but only through call\/ mail. Customers face long call wait times to speak to an agent. Agents take time to understand &amp; act on the issue, which is time-consuming. Additionally, when the call gets disconnected, customers must go through the whole process again. This issue creates much customer dissatisfaction &amp; leads to impaired customer loyalty.<\/p><p>It is not only important to provide omnichannel access but essential to providing a seamless customer experience at every touchpoint across different channels.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6b63716 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6b63716\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-70c0364\" data-id=\"70c0364\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-920a64f elementor-widget elementor-widget-image\" data-id=\"920a64f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Scalability-through-Agility-1024x683.webp\" class=\"attachment-large size-large wp-image-3274\" alt=\"Agile testing\" srcset=\"https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Scalability-through-Agility-1024x683.webp 1024w, https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Scalability-through-Agility-300x200.webp 300w, https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Scalability-through-Agility-768x512.webp 768w, https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Scalability-through-Agility-1536x1024.webp 1536w, https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/03\/Scalability-through-Agility-2048x1366.webp 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-dd77da7\" data-id=\"dd77da7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df90940 elementor-widget elementor-widget-heading\" data-id=\"df90940\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Scalability through Agility<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a34ffea elementor-widget elementor-widget-text-editor\" data-id=\"a34ffea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Organizations need to be agile and flexible to maximize scalability. By collaboratively defining a streamlined taxonomy of customer journeys, companies can gain insight into their customers&#8217; experiences and iterate continuously for optimal results. Agile testing helps formulate MVPs backed by feedback from employees and customers alike, allowing teams to refine strategies quickly when needed; this enables organizations with attainable successes early on so they may continue pursuing growth opportunities securely within their organization&#8217;s support structure!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-b99d12a elementor-widget elementor-widget-heading\" data-id=\"b99d12a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Build Trust through Enhanced Security<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ab34a3 elementor-widget elementor-widget-text-editor\" data-id=\"0ab34a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>According to the Edelman 2021 Trust Barometer, financial services is one of the least trusted industries in consumers&#8217; eyes. Enhancing the security protocols is imperative in each of the customer channels. Cyber security threats are increasing &amp; customers are concerned about their financial &amp; personal information. Financial organizations should consistently focus on security standards &amp; enterprise security modernization to keep their systems robust &amp; secure. Security is attached to the organization&#8217;s brand, building customer trust.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a20f6c5 elementor-widget elementor-widget-single_ad\" data-id=\"a20f6c5\" data-element_type=\"widget\" data-widget_type=\"single_ad.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"single-ad\">\r\n            <div class=\"container\">\r\n                <div class=\"row\">\r\n\t\t\t\t\t<div class=\"col-md-10 mx-auto\">\r\n\t\t\t\t\t\t<div class=\"row padd\">\r\n\t\t\t\t\t\t\t<div class=\"col-lg-5 col-md-4  align-self-center\">\r\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"lazyimagenew\" alt=\"Case-study\" src=\"https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/04\/quinox.webp\"\/>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"col-lg-7 col-md-8 align-self-center\">\r\n\t\t\t\t\t\t\t\t<h4>Case Study<\/h4>\r\n\t\t\t\t\t\t\t\t<p>Quinnox Improves Digital Banking Efficiency and Customer Experience with Multi-Platform Application Development<\/p>  \r\n\t\t\t\t\t\t\t\t<p class=\"btn-wrap\"><a class=\"blue-arrow\" href=\"\/case-study\/quinnox-improves-digital-banking-efficiency-and-customer-experience-with-multi-platform-application-development\/\">Read More<\/a><\/p>\r\n\t\t\t\t\t\t\t<\/div>\r\n                \t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n                <\/div>\r\n            <\/div> \r\n        <\/section>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dcbb3a elementor-widget elementor-widget-heading\" data-id=\"0dcbb3a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Final Note \u2013 Don't Forget the Customer<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3bd234 elementor-widget elementor-widget-image\" data-id=\"c3bd234\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.quinnox.com\/wp-content\/uploads\/elementor\/thumbs\/Final-Note-\u0393Co-Dont-Forget-the-Customer-scaled-q799ryb7ayeua49g2e1898bd5ejlheyu23qhjqfyxs.webp\" title=\"Final Note \u0393\u00c7\u00f4 Don&#8217;t Forget the Customer\" alt=\"Quinnox\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbd8538 elementor-widget elementor-widget-text-editor\" data-id=\"cbd8538\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The rush to <a href=\"https:\/\/www.quinnox.com\/blog\/top-five-customer-experience-trends-in-banking-for-2023\/\">digitize customer journeys and transform the customer experience<\/a> has caught our attention, but we must remember that customers still need a human touch. After all, while technology can help ease complex interactions with consumers, there can be no successful transformation without involving the customer. Moreover, one unsatisfactory experience delivered to customers could lead them away from your business &#8211; missing out on an opportunity for loyalty &amp; retention. Therefore it&#8217;s essential always to have their best interests at heart!<\/p><p>Talk to <a href=\"https:\/\/www.quinnox.com\/contact-us\/\">Quinnox<\/a> experts to improve your loyalty programs now!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c4442e4 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"c4442e4\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b036b8\" data-id=\"4b036b8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e245ad2 elementor-widget elementor-widget-insights_section\" data-id=\"e245ad2\" data-element_type=\"widget\" data-widget_type=\"insights_section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<section class=\"insights section\" id=\"insights\"> \n\n\t\t<div class=\"container-fluid\">\n\n\t\t\t<div class=\"row\">\n\n\t\t\t\t<div class=\"col-md-11 mx-auto\">\n\n\t\t\t\t\t<div class=\"row\">\n\n\t\t\t\t\t\t<div class=\"col-md-12 title-wrap\">\n\t\t\t\t\t\t\t<h4>Related Insights<\/h4>\n\t\t\t\t\t\t\t<p><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"row h-blog\">\n\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"col-lg-4 col-md-6\">\n\n\t\t\t\t\t\t\t\t\t\t<div class=\"single-blo\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"content1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\tCase study \n\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-img-parent\">\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-img\" style=\"background-image:url('https:\/\/www.quinnox.com\/wp-content\/uploads\/2023\/04\/quinox.webp')\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span>Banking<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<h4>Quinnox Improves Digital Banking Efficiency and Customer Experience with Multi-Platform Application Development<\/h4>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<p>A UK-based e-money provider that offers app-based transactions, splitting payments and driving wider sustainable finance initiatives.<\/p> \n\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"blue-btn\" href=\"https:\/\/www.quinnox.com\/case-study\/quinnox-improves-digital-banking-efficiency-and-customer-experience-with-multi-platform-application-development\/\">Read more<\/a>    \n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n                                    \n\t\t\t\t\t\t\t\t\t<div class=\"col-lg-4 col-md-6\">\n\n\t\t\t\t\t\t\t\t\t\t<div class=\"single-blo\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"content1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\tBlogs \n\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-img-parent\">\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"feature-img\" style=\"background-image:url('https:\/\/www.quinnox.com\/wp-content\/uploads\/2022\/08\/Financial-institution.webp')\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"content\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span>Banking<\/span>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<h4>How financial institutions can overcome challenges in core platform transformation<\/h4>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<p>When it comes to core banking platform transformation, banks have choices\u2014go with a traditional enterprise core platform system.<\/p> \n\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"blue-btn\" href=\"https:\/\/www.quinnox.com\/blog\/how-financial-institutions-can-overcome-challenges-in-core-platform-transformation\/\">Read more<\/a>    \n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n                                    \t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t<\/section>\n\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cfe4aeb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"cfe4aeb\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div 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transformation; 14% made &#038; sustained performance improvements &#038; only 3% completed the change last year.<\/p>\n","protected":false},"author":2,"featured_media":3269,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"rank_math_lock_modified_date":false,"inline_featured_image":false,"footnotes":""},"categories":[18],"tags":[33],"class_list":["post-3323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-digital"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.quinnox.com\/wp-json\/wp\/v2\/posts\/3323","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.quinnox.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.quinnox.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.quinnox.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.quinnox.com\/wp-json\/wp\/v2\/comments?post=3323"}],"version-history":[{"count":0,"href":"https:\/\/www.quinnox.com\/wp-json\/wp\/v2\/posts\/3323\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.quinnox.com\/wp-json\/wp\/v2\/media\/3269"}],"wp:attachment":[{"href":"https:\/\/www.quinnox.com\/wp-json\/wp\/v2\/media?parent=3323"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.quinnox.com\/wp-json\/wp\/v2\/categories?post=3323"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.quinnox.com\/wp-json\/wp\/v2\/tags?post=3323"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}