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Crt112689 - Uk 2019 Cee v9 - Print
Crt112689 - Uk 2019 Cee v9 - Print
Crt112689 - Uk 2019 Cee v9 - Print
the people
2019 UK Customer Experience
Excellence analysis
The Customer Experience Excellence Centre is an international
think tank, dedicated to helping members turn global
customer experience into effective business results.
Coverage of 24 markets
Defining customer best practice through the lens of The Six Pillars
CX insight
CX design
CX strategy
CX economics
3
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Power to the people //
Contents
The DNA of
experience
Introduction 06 excellence 26
Driving growth:
the trust Employee experience
imperative 38 economics 46
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Customer problem Aligning
solving through the employee and
employee 52 customer journeys 58
Customer Experience
Excellence methodology............................... 71
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Power to the people // Introduction
Introduction
A million workers Although not widely recognised as a
management treatise, John Lennon’s lyrics
working for neatly encapsulate the need for organisational
nothing, you better leaders to think less about management
give ‘em what and control and more about enabling,
empowering and engaging their people.
they really own.”
Companies around the world are attempting to
John Lennon
transform their businesses but only a small number
“Power to the People” (1971)
have made energising their frontline people a central
part of their transformation journey. It is by no means
a coincidence that those that have are achieving the
promised economic benefits of customer experience
excellence, whilst those that haven’t, flounder.
©2019 KPMG Nunwood Consulting Limited is a subsidiary of KPMG Holdings Limited, a subsidiary of KPMG LLP, a UK limited liability partnership and a member firm of the KPMG
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7
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Power to the people // Introduction
8
©2019 KPMG Nunwood Consulting Limited is a subsidiary of KPMG Holdings Limited,
a subsidiary of KPMG LLP, a UK limited liability partnership and a member firm of
©2019 KPMG Nunwood Consulting Limited is a subsidiary of KPMG Holdings Limited, a subsidiary of KPMG
the KPMG LLP, aofUK
network limited liability
independent partnership
member and a member
firms affiliated firm of
with KPMG the KPMG
International
network of independent member firms affiliated with KPMG International Cooperative, a SwissCooperative,
entity. All rights reserved.
a Swiss entity. All rights reserved.
Driving growth: the trust imperative.
Trust is the basis of all positive human
relationships and is the foundation
stone for employee engagement.
If employees do not trust the
organisation, how can customers?
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Power to the people // Introduction
7.33
since the study began a decade 7.25 7.25
ago. This year, UK organisations 7.25 7.21 7.21
are making slow but steady 7.13
progress, with the average 7.08
UK CX score rising to 7.21.
7.00
Whilst the top performers have
remained equally excellent over
time, the customer experience
curve demonstrates that the 6.75
lowest performing brands have
had some success with their
efforts to improve. This has
been recognised by consumers 6.50
2013 2014 2015 2016 2017 2018 2019
with higher scores for the lower
ranked brands this year.
5.5
4.0
0 337
Ranking
10
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Average CEE metric over time Ultimately, as more brands
progress towards an average
8.25 score, less differentiation
Customer Experience Excellence Score
+2.2% +2.0% 11
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Power to the people // Introduction
From a sector perspective the picture is fairly differently” from traditional energy providers. Green
consistent with previous years: retail, followed energy specialist Bulb has taken the switching
by financial services, remain the leaders, whilst process to new heights, taking just 30 seconds
utilities, logistics and the public sector continue to of a customer’s time and refunding exit fees that
languish towards the bottom of the sector rankings. past suppliers might charge to move on, whilst
Octopus strives to save customers money through
Despite their low ranking, the greatest progress clever use of technology, integrating with Amazon
for any sector this year sits with the utilities and Alexa for smart energy use and even offering
public sectors. Utilities’ progress has largely been households with high energy bills, thermal imaging
driven by two newcomers to the study: Bulb cameras to detect causes of energy inefficiency.
Energy and Octopus Energy. Both companies
have positioned themselves as “doing things
Financial
+1% +2% 3rd
services
Restaurant
+2% +1% 4th
and fast food
Entertainment
0% -1% 5th
and leisure
Travel and
+1% -3% 7th
hotels
12
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The 2019 customer experience
excellence champions
This year’s top 10 companies are examples of businesses where
the contribution of the employee experience to the customer
experience is not only recognised but positively nurtured. Their
people are empowered to excel at delighting the people they serve:
Number one for the second year in a row, first direct describes
“first direct is a
itself as the “people powered bank”. From the outset being able fabulous place
to directly access a human being who demonstrably cares about to work. I have
you without being greeted by a computer has been a significant
differentiator. Eschewing the tendency of financial services firms to
been there since
recruit experienced people, first direct target the caring professions it opened and
instead with their recruitment criteria being to “hire for the smile wouldn’t consider
and train for skills”. The brand wants to ensure that their people
had the innate personality trait of care and concern for others.
going anywhere
else. The thing
With 44% of new recruits recommended by existing staff, not only does
“like recruit like” but it shows the depth and power of staff advocacy.
that matters most
Indeed 75% of its people would recommend the bank to their friends. is the customer.”
A digital only bank, it has grown rapidly over the last four years and “There’s
has over 800 staff and over 2 million customers (Source: Monzo something
website). Monzo targets a customer demographic that values
convenience and technical innovation. It was one of the first banks amazing being
to make an API available for integration with externally originated created here.
software tools. The bank has had four “hackathons” where developers Please keep
at the forefront of fintech can experiment with Monzo data and
develop new ideas and new means of meeting customer needs. up the work of
maintaining that
As a digital bank driven by innovation it is the technical strength
of its people that makes the difference. The company is data and building
driven with everyone (including the CEO) getting data from live on it.”
dashboards. The culture of individual teams, and indeed across the
whole company, is non-hierarchical, often comprising of the best
analysts in each of their domains from elsewhere in banking. 13
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Power to the people // Introduction
Lush employees are amongst its biggest fans. As a values-led business, “I was treated
it is critical that employees see their own values reflected in the actions amazingly and
of the company. As a campaigning brand that uses its shop windows to all staff were so
promote its causes, it can move into controversial territory. However,
each Lush shop has the right and the autonomy to opt out of a window helpful and lovely.
campaign if they have strong reasons. To do this, shop managers are I was given so
expected to take into account the views and opinions of all the staff much experience
in their shop and come to a collective and democratic decision.
in working
Lush expects its people to deeply understand the products and be able with customers
to prescribe exactly the right products for each individual customer. As
such, there is a huge investment in staff training and the provision of and gaining
new products free of charge for staff to use and form their own views. confidence
Finally, the brand makes a number of commitments to its people:
to talk about
there will be no glass ceiling; pay will always exceed the statutory products that will
minimum; and they will be valued and treated with respect at all times. benefit them.”
“This company is
Founder, Julian Richer is very hands on and sets the tone from
odd in a very good
the top – customers are the number one priority and great staff
make the company successful. He has recently announced that he
way. Here, you are
is transferring 60% of the equity in the firm to its employees and rewarded for being
providing significant cash bonuses to loyal employees, at the same a good, ethical sales
time as creating a John Lewis & Partners style of employee ownership advisor. They actually
model. In addition, 15% of company profits are donated to charity – in insist you do not
2018 this amounted to £9.6m (Source: The Guardian, May 2019). push sales on people.
They insist you treat
For staff, finding the best, lowest cost way to meet customers’
your customers well,
requirements is what drives job satisfaction. Assembling audio
exactly as you would
and visual systems from a wide range of components requires
deep product knowledge and customer understanding. expect yourself and it
is a very good system
Numerous respondents in the CEE research talked about that works. Customer
how knowledgeable staff were and how they talked them feedback rewards
out of higher priced items for lower priced options, but the staff far better
equal or better quality products. This ethical approach than the commission
to the customer builds a lifetime relationship. they receive from
their sales.”
14
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05 John Lewis Finance Employees say
“Lakeland
A new entrant to our top 10, Lakeland is a family owned
business that extends the family ethos to its colleagues promotes a family
and how it treats its customers. Lakeland’s customers love ethos and is an
its ‘helpful’, ‘knowledgeable’ and ‘friendly’ colleagues and enjoyable place to
rate their attitude and helpfulness as outstanding.
work. From my 8
Interestingly, Lakeland’s colleagues also talk about the years of working
helpfulness of people inside the company and the desire to
help new starters establish themselves. A case of authentic there, I have learnt
internal behaviours manifesting themselves for customers. that customer
The Lakeland guarantee and price promise make their customer service is absolutely
commitment real and tangible. If customers aren’t completely essential. They take
satisfied they can return a product up to three years after purchase. pride in customer
care and put it at
the forefront of
everything they do.”
15
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Power to the people // Introduction
©2019 KPMG Nunwood Consulting Limited is a subsidiary of KPMG Holdings Limited, a subsidiary of KPMG LLP, a UK limited liability partnership and a member firm of the KPMG
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09 Ocado Employees say
“QVC is a
Two years ago QVC UK ranked first in our analysis - a result of
its deep and profound understanding of their customer, and company I feel
excellence in meeting their needs. For QVC UK, Empathy is a lucky to work for. I
way of life, being able to continually see the world through its work in a team of
customers’ eyes has enabled the business to substantially grow
the profitability by delivering an outstanding experience. around 15 people
and get on really
Success has been driven by its ability to communicate with
shoppers on a very human level. Presenters and personalities act well with each
as brand advocates, taking shoppers through a journey of discovery person. I work
as they present items in a down-to-earth, humanised manner, hard on each shift,
reminiscent of a best friend describing their new handbag over a
cup of coffee. This method is demonstrably more engaging than a and make sure
picture of a product on a website, or an item sitting on a shelf. the requested
Employees are given autonomy and are able to blog about their careers standards are
with QVC UK, sharing behind-the-scenes information and inviting always met.”
customers into their lives so that they feel part of a community.
17
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Power to the people // Introduction
Spotlight on:
first direct
The secret to continued customer experience excellence
0
they work incredibly well together” explains Gordon. “The
consistency of focus we have on customer centricity internally, places from
the consistency we have around what our purpose is, what 2018
our values are - pioneering amazing service - it’s something
we all try and live by. That consistency of what we are trying The Six Pillars: scores
to do is really important, but equally the change of how we do vs industry average
it is really important as well. Customer expectations change,
technologies change. In 1989 we set up to pioneer amazing
service and the how of today then was telephony. Then it
changed and we changed to online banking, then it changed
to app banking and then today to open banking. Our ability to
cope with that change and understand that change in today’s
+11%
environment, as well as being consistent with our focus, is key.”
+13%
this, which is underpinned by a strong emphasis on the
right approach to recruitment. “We are really clear about the
way we recruit people. Having people who have done the
18 job recruit for attitude, recruit for understanding and then
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Organising the business around the customer
Employees say In the last year first direct has reorganised the
business. Historically set up on a functional
basis with departments operating separately,
first direct is a the bank has now restructured around
fantastic company the key journeys for their customers.
The culture of first direct The organisation moving from a horizontal structure
to more of a vertical stream means that the whole
As Gordon describes, “culture is so hard to business is focused on the customer from the point
verbalise but so easy to feel”. And it can be felt where they enter the business to the experience
upon walking into first direct’s office – the vibrancy they have all the way through with first direct.
and friendliness exuding from those you meet.
For Gordon, the culture is embodied in the values Connecting with the customer of the future
of the organisation. “We try to encompass our
Gordon believes that customer values haven’t
culture in what we call our F-DNA – our value set.”
really changed since first direct launched as the
These values are across the walls of the open plan
original challenger bank in 1989. His view is that
head office and permeate the people and culture:
customers still want a service that is simple, easy
We’re always on it and straightforward. As a result, the values of
We have uncommonly good sense first direct haven’t changed either – the bank has
We dare to be different remained focused on “pioneering amazing service”.
We take money seriously, not ourselves.
However, what has changed, from Gordon’s
Investing in new ways of working perspective, are the expectations of customers
to do things differently. “Keeping up with the
first direct is continually investing from a digital pace of change is important. That’s why we’re
perspective, most recently in new technology partnering with fintechs such as Bud to release
platforms, new telephony platforms, online banking, a new platform for first direct, and building
new functionality on the app, fdpay (social media pay) that back in terms of what we can do around
and also fdesign, a customer co-creation platform. understanding open banking. So working in new
ways is important, but what customers value
It’s not just about technological investments I don’t think really has changed that much.”
for the bank though. As Gordon describes:
“We’ve implemented new ways of working
in the last year around agile, around closed
loop feedback and re-designing our business I have been with
around customer journeys. It’s those kind of
investments, as well as the digital investments,
first direct for many
that have really helped us in the last year.” years. I have always
“Agile at scale” is the mantra that guides project been treated as a
management. Rather than the traditional waterfall
project approach where a perfect solution takes
human being rather
a long time and things have often changed in than a means of
the meantime, multiple teams work towards
rapid delivery of minimum viable products. The making a profit.”
result has been much more rapid responsiveness
UK CEE 2019 respondent
to escalating customer expectations. 19
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Power to the people // Introduction
©2019 KPMG Nunwood Consulting Limited is a subsidiary of KPMG Holdings Limited, a subsidiary of KPMG LLP, a UK limited liability partnership and a member firm of the KPMG
network of independent member firms affiliated with KPMG International Cooperative, a Swiss entity. All rights reserved.
Mothercare
Employees say
For Mothercare, adjusting to the fundamental changes in UK
shopping habits has meant that the organisation has had to
focus on capital restructuring at the same time as delighting “To work at
its customers. In fact, it has closed over 50 of its stores.
Mothercare is a
In the midst of a financial turnaround, Mothercare has had to joy, there is no
maintain the motivation of employees whilst equipping them to one day where
forge a new type of relationship with customers - one based on
collaboration and revitalising the “Care” element of Mothercare. I do not learn
new things. At
Mothercare’s focus is on helping customers deal with the life-
changing impact experienced by most new parents. With many of Mothercare I have
them having children later in life and often geographically distant from a wide enhanced
their parents, many new parents do not have the support network knowledge of the
their parents enjoyed. They are having to look elsewhere for insight,
wisdom and guidance. Modern parenting can be isolating, which is products and all
why help in connecting with peers and essential advice has become of its features and
crucial. Mothercare is focusing on helping first-time mums and dads this knowledge
to feel empowered and part of a wider supportive community.
is passed on
For employees, restructuring brings challenges. However, the to customers
essence of the role is passing on high-quality advice and guidance
to those who are hungry for it, and that is a reward in itself. wishing to buy
our products.”
Green Flag
In a competitive market, Green Flag has to work hard to
deliver on its brand promise, offering compensation if its
mechanics fail to arrive in the promised one hour.
Employees say
The company has also focused on innovation of its digital app. Customers
can use their smart phone to provide the GPS coordinates when they
require assistance. Also, a small device can be fitted to their car to “A great and agile
provide alerts when battery life begins to fail, or when warning lights
appear, enabling the driver to know how far the car can be safely driven.
business full of
passionate people
Where possible, support is provided over the phone
to get the driver mobile as soon as possible.
that are hungry
to challenge the
For employees, this means a focus on teamwork and collaboration, status quo.”
supported by top quality training and development.
21
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Power to the people // Introduction
YO! Sushi
Having celebrated its 21st birthday last year, YO! Sushi has 90
restaurants across the UK. Inspired by the work being done
around customer in the airline industry, YO! Sushi see the future
of its customer experience in Personalisation. That is, the ability
to understand its customers’ preferences and being able to
demonstrate that the company “knows” its customers.
The brief to new employees captures the brand, the unique personality
and the experience they want for both employees and customers:
22
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PizzaExpress “We want customers
to enjoy their
PizzaExpress knows customers are looking for an experience favourite pizza
that goes beyond good food. The environment, ambience and
wherever they are.
atmosphere are all part of the experience, but the experience
continues outside the restaurant. The PizzaExpress app has This could be in a
provided a new channel to communicate with customers, field at a festival,
allowing them to receive exclusive content - for example, games, delivery to home
rewards and birthday treats. This helps the organisation to be or in one of our
connected to and build relationships with PizzaExpress fans. restaurants. That’s
It also enables PizzaExpress to listen to what customers are saying why popping up in
and play close attention to trends. For example, it has responded to unexpected places
an increase in the demand for vegan options, and it likes to surprise like the British
and delight customers by appearing in unexpected locations. Summer Time
festival in Hyde Park,
London, provides the
opportunity to share
good food and good
times and be part
of our customers’
life experiences.“
Tim Love
CMO, PizzaExpress
Prudential has a strong and clearly articulated purpose. It states: “Great place to work.
“We help to remove uncertainty from life’s big events, providing our Friendly people,
customers with the freedom to face the future with greater confidence”. great culture and
environment. Lots
It’s all about peace of mind, and to this end, it has systemically focused of social activities
on the customer experience, looking across journeys and touchpoints organised and a real
to remove pain points and make life easier for the customer. It has also
positive culture. I
restructured the contact centre around the customer, and supporting
have never worked
agents with expert systems to help them navigate the complexities of
legacy pension plans, and resolve queries at the first point of contact. somewhere that is so
relaxed and friendly,
It has also had to bring their people with them, and but so efficient.
key to this has been the internal culture. Full of really great,
knowledgeable people.” 23
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Power to the people // Introduction
Spotlight on:
Mothercare
Mothercare has been recognised as the biggest moving
brand in the 2019 Customer Experience Excellence top
100, moving up 119 places in the last year to rank 57th.
Non-grocery
Mark Newton-Jones, Chief Executive Officer at Mothercare retail
is proud of this success after what he describes has been
a “tumultuous year”. Following a period of restructuring,
Mothercare is now focused on re-establishing its reputation
through a range of staff service training and incentive initiatives,
improving the presentation of its stores and stock, as well as
57th rank in 2019 of
337 brands
+5%
we were spending a lot of money. Excellent customer service.”
24
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Mothercare uses its database to stay connected
with new mums and check in with them post-
To win in this retail childbirth to see how they are and invite them for
world, we have to be a a free coffee in store and a ‘new mums meet up’.
specialist through the
Interestingly, despite having 57 fewer stores
products and the service compared to last year, these events have garnered
we are giving. The role the same amount of attendees as they did in 2018
of our sales advisors is – that is 12,000 mums, in March alone. Newton-
Jones points out that “this shows the relevance
much more than just of the brand and how important that thirst for
selling products; they knowledge is for new mums and new dads”.
have to be able to give Fostering a sense of ownership in
education, support, employees for customers
and advice to mums With a new store incentive plan in place, Mothercare
and dads who, frankly, is looking to build a culture of collective team
don’t know with their effort amongst store employees. “We put a sales
incentive in whereby for every 2% above plan the
first child what they stores achieve, we give them back 2% in bonus
don’t know, which of their salaries. That’s for everybody whether
is a big job for them you work 10 hours in the stock room or you’re a
manager in store. We take the view that everybody
to do. So we decided has a role in increasing sales.” By running this
to put everybody’s monthly, it allows those stores and employees who
pay rate above the have excelled to get instant gratification whereas
it offers less successful stores and employees
minimum wage and the chance to start fresh the next month and
improve the knowledge try harder. Newton-Jones insists that this isn’t
of our teams.” designed “to create a commission-based, hard-
selling environment because it is a collective
Mark Newton-Jones bonus amongst everybody – it’s a team effort.”
Chief Executive Officer, Mothercare Importantly, he believes that giving its employees
the option to earn money “will ultimately create a
real change in ownership for caring for customers
The role of data in building a in store” as they strive to become specialists.
connection with customers
On top of that, a number of stores have now also
Mothercare is not one to sit on its recent laurels, been given permission by the Mothercare Board to
as it keeps a watchful eye on the behavioural do two things: firstly, “to build their own social media
trends through data to understand how it can campaign for their local community”; and secondly,
best engage with, and create personalised by giving store managers the latitude to “seal the
experiences for, its customers. ‘The 2AM Club’ – a deal and secure the sale”. Newton-Jones explains
network via Facebook Live whereby mums can that this is “about empowering the front-line and
communicate with each other directly and with being flexible. Thus far, the average discount given
midwives – was born out of its discovery that its to customers by store managers has been 7% and
mobile channel was experiencing an increase in we have already seen this generate substantial sales
the flow of online traffic at 2AM due to mums where the customer would have walked out and
who were awake feeding. Notably, Newton-Jones shopped elsewhere had there been no deal available”.
explains that “we added that in as an additional
service; we’re not trying to sell anything, we’re Looking to the future, Newton-Jones is hopeful
just trying to be there to support new mums”. that the biggest traction will come not just through
the momentum of what they’ve created, but from
Beyond that, Mothercare also runs events in the dark cloud of Mothercare’s transformation
store throughout the year in association with the and restructuring over the last few years soon
National Childbirth Trust (NCT), whereby they bring disappearing into the past to build a different
in midwives and child safety experts to educate consumer perspective for the future.
expectant parents. Newton-Jones highlights an
advantage of these events being that “it allows
mums and dads in the community to connect with
each other outside of any prenatal classes and
they get to hear from experts in Mum and Baby.” 25
The customer experience does not end here, as
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Power to the people // The DNA of experience excellence
The DNA of
experience excellence
Most leading brands also significantly over- Despite this disconnect, whether we are talking
index for employee engagement. Whilst there about a customer or employee experience, we
are outliers, the greatest predictor of customer are first and foremost concerned with creating an
excellence is employee experience excellence. emotional connection with a human being. It is no
surprise, therefore, that what drives this connection
A Gallup study, of 23,910 business units, is the same for employees as it is for customers.
compared the results from those in the
top 25 per cent of employee engagement The Six Pillars, first established a decade ago
with those in the bottom 25 per cent. as the DNA of customer experience excellence,
provide this definition. Now commonly used
–– Those with engagement scores in the bottom for both customer and employee experience
quartile averaged 31–51 per cent higher design, they are as relevant to an HRD or
employee turnover, 51 per cent more inventory people leader as they are to the CX Director.
shrinkage and 62 per cent more accidents.
By looking at both employee and customer
–– Those with engagement scores in the top experiences through this lens, we can
quartile averaged 12 per cent higher customer achieve several advantages:
advocacy, 18 per cent higher productivity
and 12 per cent higher profitability. –– A single, coherent internal language
for experience excellence, whether
The same study looked at the earnings per customer or employee
share growth of 89 organisations: those with
engagement scores in the top 25 per cent –– A model for defining how to deliver
enjoyed growth 2.6 times that of organisations customer outcomes, by showing the precise
with below-average engagement scores. employee experiences that need to be
delivered to create the right behaviours
As well as creating the right environment, the
highest ranked organisations in the CEE research –– The foundations for defining ‘customer centric’
understand a simple truth: employee experiences capability and recruitment frameworks
and customer experiences can be built on the
same principles. Most organisations have venerable –– A basis for more joined up analysis of customer
operating models that place responsibility in and workforce insights, linking the voice of
different places. This results in a confusion of the customer with employee feedback
language, vision and purpose; most often visible
through clumsy links between internal values
26 and people strategy to their customer goals.
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27
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Power to the people // The DNA of experience excellence
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Personalisation Resolution
29
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Power to the people // The DNA of experience excellence
The employee
experience challenge
Delivering employee experience excellence requires
high performance in each of The Six Pillars
Empathy
Personalisation
Expectations
Resolution
Integrity
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Achieving high levels of employee and customer engagement is not easy. In the same way as the customer
experience has evolved rapidly to keep pace with escalating customer expectations and new technologies,
so has the employee experience. In fact there are some seismic shifts affecting the employee experience:
31
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Power to the people // The DNA of experience excellence
Looking externally, companies that are bringing new technology-based solutions to the
employee experience are becoming stand out employers attracting the best talent:
32
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At Monzo, control is replaced by trust as people are guided by
the purpose and values of the company. Employees are able
to input on matters of strategic significance for the company
through the medium of technology. For this organisation,
the employee voice is less about engagement and more
about enablement, empowerment and contribution.
Most importantly, they are doing this with their customer goals and outcomes in mind.
By optimising employee experience to deliver specific and well-defined outcomes, they
are taking a highly purposeful approach to what the employee experience must deliver.
33
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Power to the people // The DNA of experience excellence
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The “Human Value Chain” Making this value chain work for the customer. It requires an
shows the link from culture, requires emotional connectivity. employee experience that enables
to employee experience, to To ensure this connectivity The Six Pillars of experience to
their behaviours, the customer between customers and emerge naturally for customers.
experience and ultimately employees, the best organisations
the customer behaviours manage various environmental, When the employee brings
that underpin retention, leadership and structural factors. emotional intelligence,
acquisition and lifetime value. enthusiasm and energy
Once the organisation has and the organisation brings
the right employees, it then empowerment, enablement
needs to ensure that the right and engagement, then magic
environment exists for the happens for customers.
employee to deliver their best
35
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Power to the people // The DNA of experience excellence
Spotlight on:
Monzo
Monzo, the digital-only challenger bank, is a new entry
into the UK Customer Experience Excellence rankings for
2019; and moves into second place behind first direct.
Financial
Headquartered in London and founded as recently as 2015, services
Monzo formed part of the first wave of disrupters seeking to
challenge the dominance of the “Big 4” – Barclays, HSBC,
Lloyds Banking Group & Royal Bank of Scotland Group.
New
current account market, in excess of 2 million people
are now using Monzo – with 35,000 new customers to 2019
joining every week (Source: finextra article). analysis
+12%
design that delivers not only against core functional-level
financial customer needs, but also attends to higher-level
emotional needs as well – allowing the bank to begin to
36 play a broader role within culture and society, heightening
brand advocacy and consideration in the process.
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Enhancing the customer experience value chain recognises that having engaged employees and the
right culture are critical ingredients to achieving –
Monzo, like so many of its successful peers, is and maintaining – customer experience success.
not achieving its differential customer experience
advantage on its own. It is enhancing its Its commitment to mental health, for example,
customer experience value chain significantly is as evident inside the company as it is outside.
through the use of community-based co- The firm has funded the training of a number of
creation and through the careful selection mental health first aiders, provides discounted
of a number of external partnerships. subscriptions to the meditation app Headspace,
and provides employees access to a counsellor
Co-creation is evident via the Monzo Community with whom they can chat on a daily basis.
forum, which allows users to “help build the
bank of the future, and get the most out of Company culture is also carefully designed with its
the Monzo current account.” The forum now employees in mind. The bank encourages flexible
has more than 40,000 total users and recently working hours, promotes walking meetings, and
registered 14,500 posts in a month. provides different types of workspaces within
its head office to empower its employees.
And many of the bank’s most popular features
started as ideas that emerged through the The brand’s commitment to radical transparency
Community forum. “You’d be surprised at how is a key element of its employee experience. As
much we do listen and go, oh, that’s a good idea”, Tristan Thomas, Head of Marketing and Community
says Brenda Wong, Learning and Development describes “at Monzo we have a very open and
Project Manager at Monzo. “The idea of the coin transparent culture. It’s radical transparency —
jar, for example – which rounds up a purchase where you need to make a proactive argument not
and saves the left over pennies – was originally a to share information with colleagues or customers,
forum-driven idea.” (Source: brandwatch.com) rather than the other way round. If there’s no
good reason, then we default to transparency.
But despite having executed what appears to For me, this sits at the heart of ensuring that we,
be a carefully configured customer experience as Monzo employees, are all engaged. It means
design, Monzo demonstrates a level of maturity that everyone is free and able to learn as much
by way of not trying to perfect each of its new about the company as possible and get involved
propositions before they go to market. Monzo in discussions that interest them, even if it’s not
Plus – a way for its customers to get more from directly related to their job role. This engagement
their account for a small monthly fee – has been directly impacts our customers’ experience,
released early because, according to the Monzo because people see that we’re all passionate about
website, “we don’t believe we can build the ‘perfect’ what we’re doing. That kind of positive culture
product – or even a great product – without a lot of is recognised both internally and externally.”
customer feedback and iteration along the way.”
The employee experience represents a significant
And in terms of external partnerships, the careful opportunity space for many organisations – an area
selection of these enables the bank to remain which remains untapped for many, and provides
focused on its core competencies, whilst drawing a strong potential source of future growth.
upon expertise that exists outside of the company
to help further drive its customer experience.
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Power to the people // Driving growth: the trust imperative
Driving growth:
the trust imperative
We live in cynical times. The level of trust We have seen the overall Integrity score on our
in corporate and governmental institutions index decline in previous years and it has made
has never been lower. The natural corollary the least progress of all of The Six Pillars in 2019.
of mistrust is anxiety and in the UK
we are seeing high levels of both. Various studies have suggested that employee trust
in their employer is at an all-time low, with less than
50% of employees saying they trust the organisation
they work for. This prompted the Chartered Institute
of Personnel and Development (CIPD) to issue their
2012 report “Where has all of the trust gone?”
38
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39
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Power to the people // Driving growth: the trust imperative
Becoming customer
Empathy
champions
Personalisation
Expectations
Hygiene factors
Resolution
Integrity
The lack of trust externally is not surprising as hardly willing to trade their personal data for improved
a day passes without a high profile data breach or products and services, over half would not want to
a major hack of a previously trusted organisation. release mobile data and nearly a third do not want
The consequence of which are a population that firms to contact them directly on social media.
is both wary and reticent to share personal data.
Even so, the mistrust isn’t exclusively linked to
The “Me, My Life, My Wallet” 2019 KPMG personal data - it is as much about how large
study highlights that the level of anxiety companies are perceived to be behaving - acting in
has reached an all-time high. Some 40% of their own interests first, putting stakeholders ahead
consumers are more anxious this year, than of customers and employees and generally not
last, about possible misuse of their data. acting in the best interests of those who buy their
products and services, or work for their company.
This research shows that not only is mistrust
widespread across sectors, but it is also endemic Leaders need to demonstrate they are trustworthy,
in such fields as advertising; where only 15% of the and employees need to see Integrity practiced
UK population trust advertising messages. When it daily by organisational role models. This means:
comes to online and social media consumers believe doing the right thing because it is the right thing
there is much to be frightened about. Unauthorised to do, leading in alignment with the values of the
tracking of their online habits, identity theft, hacking organisation; rewarding and recognising those who
of personal data, and misappropriation of credit act with Integrity; and giving trust whilst asking for
card details all play their part in the rapid decline of trust in return. Internal trust precedes external trust
brand trust. In fact only 1 in 10 UK customers are and in today’s world both are needed for growth.
40
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Trust building behaviours
–– Hidden agendas
–– A politicised environment
–– Senior leaders:
–– Show ability
–– Have concern for others
–– Demonstrate integrity in decision making
–– Are committed to fairness
–– Avoid hypocrisy
Behaviours that build trust
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Power to the people // Driving growth: the trust imperative
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But trust in the organisation is the fundamental starting point for establishing a fund of trust amongst
employees. Our research shows that a trust agenda needs to be based on the following:
Dependable
and consistent
Stand for
something
Show
concern
Open and
honest
Resourceful
Diagnostic
capability
Likeable Demonstrate
expertise
Knowledge Competence
Commitment
to standards
Meeting
Keep deadlines
commitments
Delivery on
promises
Credibility of
communications
Congruence of
word and deed
Consistency
of interactions 43
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Power to the people // Driving growth: the trust imperative
Spotlight on:
Bulb Energy
Set up in 2015 by founders Hayden Wood and Amit Gudka,
Bulb Energy was designed from the outset to focus
on the customer, with the intention of eliminating the
frustrations the founders had experienced with traditional Utilities
energy providers, from poor service to confusing tariffs.
New
Geraldine de Boisse, Chief Product Officer at Bulb, explains
that this success is reliant on its member collaboration. “We to 2019
invite our members to build the company with us. We have analysis
a community where our members are able to share their
ideas and we then work with them to develop solutions.” The Six Pillars: scores
vs industry average
Setting and exceeding Expectations
Bulb also has just one tariff. And with any reduction
in wholesale cost, Bulb aims to be transparent and
+11%
pass the reduction straight to the customer.
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An employee-led organisation
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Power to the people // Employee experience economics
Employee
experience
economics
In our previous section, we explored “The Human
Value Chain” which sits at the heart of connected
experiences and fast growth enterprises.
46
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47
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Power to the people // Employee experience economics
But what of the factual basis for this economic logic? Extensive
research has shown that in general there is a strong economic link
between the employee experience and the customer experience.
Source: retently.com
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Companies with happy
employees outperform Happy employees are Happy salespeople produce
their competition by 20% 12% more productive 37% greater sales
67% of full-time
employees with access 36% of employees
to free food at work are would give up $5,000 Close work friendships
“extremely” or “very” a year in salary to be boost employee
happy at their current job happier at work satisfaction by 50%
• Job security
• Opportunities to use
skills and abilities
Employees who report
People with a best friend • Organisation’s being happy at work take
at work are 7x more likely financial stability 10x fewer sick days than
to engage fully in their work unhappy employees
Originally featured in articles by BH Engagement, Forbes, Gallup, Growth Engineering, Growth Everywhere, Randstad, USA Today, The University of Warwick, Wall Street Journal. 49
Featured on SnackNation website.
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Power to the people // Employee experience economics
Spotlight on:
Coventry
Building Society
Putting members first
colleagues. As Haworth describes, “I think trust is an incredibly The Six Pillars: scores
important part of this - trust us to do the right thing - whether vs industry average
it’s a commercial decision or a service decision, it means we’re
always trying to have that long term view for our membership
in our minds when we are making every decision”.
+5%
empowered to do the right thing
+6%
helps to explain the society’s strong performance in the pillar of
Empathy. For Haworth, the key to Empathy is having the right
people who are empowered to do the right thing. “We put so much
50 focus on values, attitude and behaviours of people in the way we
recruit, and in our training, and our performance management.
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a weekly blog where he regularly shares stories
Ranked 47th in The Times that he has heard from around the business of
employees doing the right thing for the members -
Top 100 Companies to Work the message is continually reinforced from the top.
For. 92% of employees say
As a mutual organisation, being owned by its
they’re proud to work for members influences all decision-making because
Coventry Building Society. long term benefits for members are always
prioritised. From Haworth’s perspective, this really
influences the culture. “One of the main reasons I
We encourage our people to think “if it was stayed here for so long is because of the culture.
your mum’s money, or grandmother’s money, I think it can be best summed up as “we do the
how would you treat that individual then?” We right thing even when nobody is looking.”
create an environment where our colleagues
have got the knowledge and the autonomy Setting colleagues up for success
to treat customers in the right way.”
The building society has had an increased focus on
The importance of managing employee development and wellbeing over recent
Expectations for customers years, spanning a variety of areas, from offering
free fruit and tea to all colleagues, to paid leave
The building society also stands out for the for those with carer responsibilities, all the way
pillar of Expectations – reflective of the specific through to training over 200 managers on mental
focus that has been placed on this within health. Alongside this, the working environment
the organisation over the last two years. has been transformed to make it more collaborative
and encourage team-working and smart working.
“From our research we have found that managing
expectations is really important to our customers. Additionally, there has also been an increased
It’s more important, sometimes, than the actual focus on personal growth. “We’re really
response. So we’ve done a lot in terms of training trying to encourage internal mobility within
individuals to make sure that they are managing the organisation” explains Haworth. “We’re
customers’ expectations; that they are informing encouraging people to develop themselves and
the customer when they’ll get back to them, rather that’s not just through training and coaching,
than saying “I’ll get back to you ASAP”, actually but by getting more experiences, volunteering
giving them timescales of when they’ll be able to for different projects and really looking at how
come back to them and give them a resolution.” managers can help coach and develop their
people as well. As a result, last year 40% of our
Measuring what’s important to the customer
new roles were filled by people internally.”
Through primary research with its customers,
Haworth describes these developments as
Coventry Building Society has identified that
“setting colleagues up for success.” He says:
customers are willing to wait a little longer on the
“I think that you’ve got to create the right
phone if their query is resolved by the first person
working environment to build the culture and
that they talk to. Whilst previously the organisation
develop colleagues who feel they can trust the
had considered service level perspectives and
organisation and, therefore, the organisation
focused on call wait times, this understanding
trusts them to do the right thing for customers.”
of what is important to their customers has led
them to develop how they measure themselves.
“We historically would have focused mainly on
call wait time,” states Haworth, “but now we
focus on first contact resolution, because we
know that’s more important to our customer.”
Our employee
engagement is
Culture is led from the top
consistently high. What
Mark Parsons, CEO of Coventry Building Society, underpins this is a real
attends all inductions for new recruits and pride in being part of
instead of focusing on corporate strategy, he
talks to the new colleagues about the culture, an organisation that
about putting members first and how this does the right thing.”
links to the society’s principles and values. As
Haworth explains, “to see it right from the top Lucy Becque
on day one sends a huge message to those HR Director, Coventry Building
people who are joining us”. That input from the Society
51
CEO doesn’t just stop there. Parsons writes
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Power to the people // Customer problem solving through the employee
Customer problem
solving through the
employee
Most organisations measure customer
satisfaction and advocacy, and employee
satisfaction and engagement, however
companies rarely connect the two
systems. Connecting them can create
powerful feedback loops that engage
employees and help companies adapt to
fast-changing customer expectations.
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53
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Power to the people // Customer problem solving through the employee
To serve customers better Zara empowers its sales staff Virgin Group generally, and
you have to start with your and store managers to be at the Virgin Atlantic specifically, values
employees. They are a rich forefront of customer research listening to its employees to
source of knowledge about – they intently listen and note show that they are valued,
their customers. They are able down customer comments, ideas listening to their opinions and
to link issues experienced by for cuts, fabrics or a new line, soliciting their ideas, enabling
customers with the internal and keenly observe new styles healthy debates and continuous
processes that create them and that its customers are wearing innovation. As a result, the
often have a simple solution. that have the potential to be organisation keeps learning and
converted into unique Zara styles. employees feel important and
Nonetheless, beyond an engage with the organisation.
annual engagement survey, In comparison, traditional daily
few companies systematically sales reports do not provide Listening is at the heart of
engage their employees in a such a dynamic updated picture engagement. In our experience,
conversation about how things of the market. Designers can everyone wants to be seen
can be improved for customers. get the new products in store and heard – it’s a minimum
within one to two weeks. requirement of leadership,
One company that has mastered yet often overlooked for the
using systematic employee The Zara growth story is built immense value it can bring.
feedback to drive both local and on two basic rules: “to give On top of it simply being the
strategic customer decision- customers what they want”, right thing to do. We see that
making is Zara. One of the and “get it to them faster than employees who feel listened to
secrets of Zara’s success is anyone else”. Employees are want to reciprocate, they want
that it trains and empowers instrumental in achieving this. to do their best because they
store employees and managers feel valued and important.
to be particularly sensitive to For Zara, employees are central to
customer needs and wants, and the customer solution. They are
how customers demonstrate involved, listened to, and invited
them on the shop floors. to contribute their experience,
expertise and ideas. They have put
mechanisms in place to have an
ongoing conversation with staff,
to ensure both the employee
and customer voice is heard.
54
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Integrating employee
feedback into the
insight eco-system
55
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Power to the people // Customer problem solving through the employee
Spotlight on:
Nationwide
Building Society
Doing the right thing
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harnessing the ideas and the power of colleagues
to feel engaged and to feel empowered to make
A truly excellent a real difference to how we run the society.”
organisation, who
are an example of The benefit of these initiatives is reflected in the
results of Nationwide’s formal employee satisfaction
how to do business survey. As Powell reports, “we have a 79% employee
to all other domestic engagement score for the whole organisation,
banking institutions.” which is around 20 percentage points higher than
the average for financial services organisations”.
UK CEE 2019 respondent
Collaboration is key to delivering
the customer promise
This motivating culture may be one of the As employees become happier and more engaged,
reasons why the society stands out in the pillar it is no wonder that their communication with
of Resolution – a feat which is also recognised each other has also improved. According to
by respondents to the 2019 CEE research. One Powell, “recently we’ve seen more cross-team
customer recounted an exceptional experience working where rather than individual teams
whereby, “I needed to transfer money urgently, so I working in isolation, groups of individuals are
phoned my local branch and spoke to the assistant pulled together in hubs or squads to work on
manager about the problem [of not having a card an issue that is more member-centric than their
reader]. Half an hour later, the same manager individual team structure. We’ve seen lots of
came to my home and personally delivered a benefits of that with more member-centric,
card reader to me. That’s what I call service!” end-to-end journey decisions being made.”
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Power to the people // Aligning employee and customer journeys
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59
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Power to the people // Aligning employee and customer journeys
Employee segmentation
The leading companies in our they are more familiar with and desires; segmenting the
research are grappling with automation and they’re social employee base enables more
advancements in technology, media savvy. As such, they are personalised work solutions for
multigenerational workforces more connected than ever before. different groups of employees.
and global economics. Millennials have a very different
view on the role of work in their A leading coffee chain took a
In particular, organisations lives than their forebears. customer “action segmentation”
are facing a radically changing approach to understand what
context for their workforce The expectations that customers, attracted, motivated, and retained
and the work place. Life event regulators and governments have employees. Based on the results,
drifts and the redefinition of life of companies and their products it found three clusters: “skiers,”
stages affect not just customers, are also changing rapidly. This who work mainly to support
but employees too. These is causing leading companies other passions; “artists,” who
shifts are changing the rules to rethink how they approach desire a community-oriented and
for almost every organisation leadership, management, socially responsible employer;
and impact the way they think talent acquisition, retention and “careerists,” who want
about culture and the overall and how they organise. long-term career advancement
management of change. As within the company. The
such, the roles of managers and The starting point for employee clusters helped managers
leaders are evolving rapidly. journey mapping is the same better tailor programmes to
as with consumer journey multiple sets of employee
The nature of employees is mapping, segmentation needs, as well as enabling the
changing; they are more digital, models and personas. Not all company to understand what
more global, more diverse, employees have the same needs needs span groups - such as
schedule flexibility or tuition
assistance (Source: HR Today).
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Focus on the employee journey
Moments that matter across Consistently making this connection requires active management
the employee lifecycle of The Six Pillars across each stage of the employee lifecycle:
61
Retain/Separate
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Power to the people // Aligning employee and customer journeys
Spotlight on:
Octopus Energy
As a new entrant to the 2019 research, Octopus Energy makes
its way into the Customer Experience Excellence top 50,
ranking 44th – one of only two utility companies to feature
in the UK top 100. Formed in 2016, Octopus Energy describes Utilities
itself as a new breed of energy supplier which is committed to
‘fair and transparent’ prices and to making things as simple as
44th
possible for its customers. (Source: Octopus Energy website)
rank in 2019 of
A disruptor to the energy sector 337 brands
New
Respondents to the CEE research acknowledged Octopus
Energy’s strong performance in the Expectations and Empathy to 2019
pillars. According to one, “Octopus provides excellent customer analysis
service. For a utility company it is very good to be able to speak
to a person without waiting 20 minutes. Good prices, easy to set The Six Pillars: scores
up and use, and they always resolve any problems promptly.” vs industry average
+11%
Energy, describes, “most suppliers treat their customers
like numbers – asking for customer references instead of
names, for example. To them, customers are just bits of work
they have to do, not people. We think about the customer’s
whole experience, treating them how we want to be treated
ourselves. Using their names is just one of the ways we can
show how serious we are about making a difference.”
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An interesting example of this is the recruitment of
its Digital Operations (DigiOps) team – a customer-
I joined Octopus Energy facing remote team working out-of-hours across
when we moved into all digital platforms – which consists entirely of
our new home and professional women working from home, the
majority of whom are returning to the workforce
they have been the very after having children. As one DigiOps member
best energy supplier notes, “Octopus were interested in my skills, and
we have had in the understood that my being a mum didn’t mean I
couldn’t work. I know that Greg, the CEO, leaves
past 10 years; we have work at 3pm twice a week to do the school run –
had five different ones. these are realities you just have to work around”.
They are the best at
The business has also recently launched a
rates, customer service, programme called Octoden which is designed to give
and email replies. employees the tools, advice and encouragement
I can’t recommend they need to develop their entrepreneurial ideas
and create their own businesses. Richard Wazacz,
them enough.” CEO of Octopus Labs, describes it as being “very
much aligned with our mission to ‘find a brighter
UK CEE 2019 respondent
way’, and makes us a more attractive place for
colleagues to work and personally grow.”
needs of customers and can fix virtually Ultimately, Jackson hopes that Octopus Energy’s
any problem they have the first time.” pioneering attitude towards its people, the
(Source: Octopus Energy blog) workplace and most importantly, green energy,
Innovative with technology will inspire other energy companies to follow
suit, sparking wider innovation in the market.
Another way in which Octopus Energy stands out
from its peers is through the use of technology to
help customers cut costs. It has recently partnered
with Amazon’s Alexa to optimise smart home
energy use, allowing consumers to manage how
they use electricity and benefit from real-time
energy pricing through voice automation. As
Greg Jackson, CEO of Octopus Energy, notes,
this integration “lets customers interact with Employees say
their energy in an entirely new way”. (Source:
Energy Live News article, March 2019) I love it at Octopus. It’s
On top of that, Octopus Energy is also the a very fun and flexible
first of its kind to give households with debt or place to work and they
abnormal annual bills thermal imaging cameras
to prompt them to save money. The aim is for
really care about their
customers to use the cameras to scan their staff and customers.
home to see areas in which they are losing It’s not a typical office
heat, so that they can make easy and low-cost
fixes. Jackson is proud about this initiative as
environment - everyone
it shows “that Octopus isn’t afraid to do things is super friendly and
differently. People are understandably immune to helpful. You have
bland generic messages about energy efficiency,
but by finding the people with unexpectedly
the autonomy to do
high bills, and offering them truly useful advice whatever is best for
based on their own home, we hope we can customers and it’s
really help people stay warm for less.”
really rewarding as
The employee experience a result. There’s lots
Notably, Octopus Energy was named the of opportunities to
‘Best Company to Work For’ in this year’s UK get involved in cool
Employee Experience Awards. It is clear that projects and tonnes
the organisation cares for, and invests in, its
employees as much as it does for its customers. of socialising.” 63
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Power to the people // The new covenant between HRD, CMO and CXD
©2019 KPMG Nunwood Consulting Limited is a subsidiary of KPMG Holdings Limited, a subsidiary of KPMG LLP, a UK limited liability partnership and a member firm of the KPMG
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65
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Power to the people // The new covenant between HRD, CMO and CXD
On-boarding
sets employees
up for success
Alignment between
internal and brand values
Employee experience
enables target behaviours
to emerge naturally
Culture supports
the brand
Personas
Employee recruitment developed and Target
brings the right implemented customers
people attitudinally identified
Communications
strategy builds
relationships over time
Customer insight
drives decision
making
Continuous
scanning
for changing needs Organisations have a
deep understanding
66 of the customer
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network of independent member firms affiliated with KPMG International Cooperative, a Swiss entity. All rights reserved.
There are many transferable skills across the
two roles (HR Director and CX Director), which
when combined help create a strong brand that
is firmly reflective of internal culture.”
Catherine Austin
HR and Marketing Director, Pizza Hut
Employees
enabled and set
up for success
Employee
feedback collected
and acted upon
Employees
empowered to make
sensible judgements
for the customer
Employees engaged,
motivated and
inspired to go Target experiences
the extra mile defined for individual
customer groups
Rapid problem
resolution a
way of life
Ongoing Customer database
monitoring of contains needs,
t target experience wants and desires
mers
fied
Clear CX
strategy
67
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Power to the people // The new covenant between HRD, CMO and CXD
68
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network of independent member firms affiliated with KPMG International Cooperative, a Swiss entity. All rights reserved.
We have a single design language (such as The Six Pillars) for
designing both the employee and the customer experience
Personalisation Integrity
We equip our people We are clear on our
with the ability to trust agenda and have
individualise their “trustworthiness” as
experience and a core competence.
development.
Resolution Empathy
We enable our people We are careful to show
to have ready access our people we care
to wellbeing and issue about them and their
support services. personal success.
69
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Power to the people // How KPMG can help
Acknowledgements
KPMG Nunwood would like to thank the following for their contributions:
©2019 KPMG Nunwood Consulting Limited is a subsidiary of KPMG Holdings Limited, a subsidiary of KPMG LLP, a UK limited liability partnership and a member firm of the KPMG
network of independent member firms affiliated with KPMG International Cooperative, a Swiss entity. All rights reserved.
How KPMG Customer
Experience
can help Excellence
Engagement of employees requires firms to
get a number of factors right. These include the
environment, the culture, the purpose of the business,
methodology
internal communications, how people grow and The consumer research was
develop and how they are managed and led. All of conducted in April 2019
these contribute to employee motivation and loyalty.
13,085 UK consumers
KPMG works with organisations to instil best practice in were interviewed
linking employee experience with customer experience:
337 brands are included
We improve CX and EX together, to improve in the final results
experience and delight customers, through:
Spanning 10 sectors:
–– Common vocabulary
–– An outcomes-based approach
Non-grocery retail
–– Merging employee and customer dialogue
–– Real time discussions with employees
–– Co-design Grocery retail
ea t
- da
tiv
nm
nd
ac
en
Day-to
d
an
als
rs
de
m
m
ag and Tea vi
an
du
er i
s i nd
Co Logistics
n ti nt
n uo ve me
us impro
Public sector
©2019 KPMG Nunwood Consulting Limited is a subsidiary of KPMG Holdings Limited, a subsidiary of
©2019 LLP
KPMG KPMG Nunwood
, a UK Consulting
limited liability Limited and
partnership is a asubsidiary of KPMG
member firm of theHoldings Limited,of
KPMG network a subsidiary
independentof KPMG LLP, a UK limited liability partnership and a member firm of the KPMG
network firms
member of independent member
affiliated with KPMG firms affiliated with
International KPMG International
Cooperative, Cooperative,
a Swiss entity. a Swiss entity. All rights reserved.
All rights reserved.
Power to the people // How KPMG can help
table of results
2019 UK Customer Experience
Excellence Centre Leader
02 Monzo 03 Lush
23 PayPal
24 Boden
25 Bulb
Energy 26 The Body
Shop 27 Next
28 Hargreaves
Lansdown
29 30 31 32 33 34
Skipton
Millie’s Center Tesco
Building Waterstones Netflix
Society Cookies Parcs Mobile
Key:
Financial services Non-grocery retail Grocery retail Travel and hotels Telecoms Entertainment and leisure
72
Utilities Restaurants and fast food Up vs 2018 Down vs 2018 Non-mover New to 2019 analysis Not ranked in 2018
©2019 KPMG Nunwood Consulting Limited is a subsidiary of KPMG Holdings Limited, a subsidiary of KPMG LLP, a UK limited liability partnership and a member firm of the KPMG
network of independent member firms affiliated with KPMG International Cooperative, a Swiss entity. All rights reserved.
35 Hilton Hotels
and Resorts 36 Green Flag
37 NS&I
38 Iceland
39 M&S Food
40 Joules
41 YO! Sushi
42 ASOS
43 Bonmarché
44 Octopus
Energy 45 Everyman
Cinemas 46 Waitrose
47 LV=
48 Dunelm
49 Saga
50 Delta Air
Lines 51 Premier
Inn 52 Superdrug
53 Holiday Inn
Express 54 Prudential
55 Churchill
56 Clarks
57 Mothercare
58 M&S Bank
59 Specsavers
60 Screwfix
61 Boots
62 Tesco
63 giffgaff
64 IKEA
65 Subway
66 Farm Foods
67 The Gym
Group 68 Novotel
69 JD Williams
70 eBay
71 Aldi
72 Marriott
73 Lloyds Bank
74 Thorntons
75 Nando’s
76 Bupa
77 JD Sports
78 Wagamama
79 Argos
80 Holiday Inn
81 Krispy
Kreme 82 Matalan
83 Morrisons
84 New Look
85 Butlins
86 Toby
Carvery 87 PizzaExpress
88 Caffè Nero
89 Direct Line
90 Just Eat
91 Primark
92 First
Choice 93 Debenhams
94 Barclays
95 Vue
96 Very
97 Amazon
Prime TV 98 Superdry
99 Aviva
100 Asda
Key:
Financial services Non-grocery retail Grocery retail Travel and hotels Telecoms Entertainment and leisure
73
Utilities Restaurants and fast food Up vs 2018 Down vs 2018 New to 2019 analysis Not ranked in 2018
©2019 KPMG Nunwood Consulting Limited is a subsidiary of KPMG Holdings Limited, a subsidiary of KPMG LLP, a UK limited liability partnership and a member firm of the KPMG
network of independent member firms affiliated with KPMG International Cooperative, a Swiss entity. All rights reserved.
Contact us
David Conway
Director
E. david.conway2@kpmg.co.uk
Tim Knight
Partner
E. tim.knight@kpmg.co.uk
Michael Crow
Director, CX Solutions
E. michael.crow@kpmg.co.uk
Tamsin Jenkins
Executive Advisor, CEEC
E. tamsin.jenkins@kpmg.co.uk
www.nunwood.com
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