Tag: American Express

  • Complaint Management: Where bad experiences linger longer

    Complaint Management: Where bad experiences linger longer

    Sanjeev KotnalaWhenever there is a commercial transaction, there is a possibility of a complaint. The processes and responses to handle the complaints by a brand or organisation can transform perceptions, stabilise loyalty, and promote positive repeat purchases and references. However, most brands (including services) do lip-service to the concept. While they may standard operating procedures for complaint management, in most organisations, this department is the hidden face and unwarranted child. Most have a third-party call centre fronting complaints unless they have moved to Bot or IVR-based system, which is a different and equally horrifying story.

    All Complaint Management Systems work on set rules. They have scenario build-up for possible complaints and service delivery issues. The executive fronting the complaints is bound to play by the rule book. They are not expected to think. In fact, diversion from the SOP is not appreciated or encouraged. However, (one hopes) it is considered for future process refinement. The complaint handler is interested in the closure of the issue within timelines as they are evaluated on the number of calls and closures. The calls are mostly recorded for training purposes! Or so it is claimed. And surprisingly at times the complaint management systems suggest crazy solutions to the customer complaints.

     

    Can’t Find Fault with the Call Centres

    As a consumer, I have many issues and complaints with (some) brands. However, I realise that complaint-handling executives have hardly any leeway or authority to make decisions. Moreover, complaint escalation shows them in a bad light. I aim to register my complaint, hoping someone will look at it and resolve it. In the process, I would be helping the good brand learn and avoid repeating mistakes.

    Sometimes, I question this faulty thinking of mine. 

    Are these call centre executives not representing the brand? Don’t I have the right to a complaint resolution? Whatever the considerations, the interactions affect the customer’s disposition towards the brand and, hence, a critical part of the system.

     

    Differentiating Experience

    It is not that I have never had an excellent experience in complaint handling or it’s just that I am just a demanding customer. Trust me, a pleasant experience over a complaint or crisis helps create a stronger relationship.

    American Express Credit Cards is one of the brands with excellent timely customer complaint resolution and customer service/relations. The customer-fronting executive genuinely works and aims toward complaint resolution. At least, the impression is that they do, which is important.

    In Central India, at Dinshaw’s (dairy products) from Nagpur, all complaints land up with senior management, and they better be resolved as they are monitored.

    Brands like Make-My-Trip and Indigo (my experience) have good complaint handling. However, they have too many complaints appearing on social media.

    Then there are brands like Axis Bank, which tries to do its best and harness technology interfaces for a better experience. However, the unstable technology or a less than beta version of the apps is not resulting in the best of experiences.

    However, on the other extreme are brands like HappyEasyGo. Tough luck if you have a complaint with them.

     

    Complaining over Social Media

    A few trigger-happy, fastest-finger-first players use social media as the first port of call for complaint resolution. I believe people pin their complaints on social media when they don’t find a resolution in normal working. And if the complaint is addressed swiftly after it is featured on social media, it is still good as it kills the post. However, customers rarely go back to post a thank you or appreciation post after complaint resolution. I wish more of them would do so that others would know about the actual situation.

     

    Time To Take Customer Complaints Seriously

    In an idealistic situation, a complaint should not arise. However, as expectations and experiences differ, leading to dissatisfaction and irritation, complaints are a natural outcome. With increased social media interfaces and rising customer expectations in the challenging competitive environment, customers not only expect but demand the best experience and service – which a brand cannot ignore. They do not differentiate between local, regional, MNC, or start-ups. It is time for brands to wake up and take this part of customer complaint resolution far more seriously.

     

    Net-net

    People don’t buy products; they buy experiences that meet or surpass their expectations. No matter what you are selling, make them always feel better. People remember a bad experience more. They are likely to leave a bad review more than a good review. They will talk to more people about their bad experiences ( 5-10 times) than they will talk about a good experience. The brand has to nudge the customer to talk about a good experience or swift complaint resolution.

    In the new era of democratic voices, emotion and experience sharing, the experiences and the complaint management matter much more.

    ………………………………

    A story of mismanaged complaint handling

    Anupama, a young executive in an MNC firm, stays and works in Pune. Her parents stay in Aurangabad. Recently, on her father’s birthday, she used an urgent delivery service from an online flower and gift service company because she was a day late wishing her father. Forget why she forgot to wish on the day and let’s focus on what happened next.

    She went online- that’s what most people do. Like a new-age customer, she went through the process of ordering an urgent delivery from a reputed company that does flower and cake deliveries. She ordered a simple cake in a flavour that her father liked and a bouquet. She planned to call after the delivery of the make-good products.

    The company called to ask her if yellow wrapping paper would do as they were out of stock in the velvet colour she had chosen. Well, she appreciated their getting back and agreed to a colour change. The company, at this stage, earned a brownie point.

    As the delivery message came on, she called and wished her father.

    And that is when she realised they had forgotten to write on the cake. No message.

    It was the consignment bill that the delivery boy left in duplicate that her father knew who had sent the cake.

    In the phone call, her family told her that she couldn’t remember the date of her father’s birthday and, two, how stupid and careless she was- not to have any message on the cake. Was she so busy that she didn’t have time to add a message: say, dear Papa and wish him a happy birthday?

    It was not the desired experience and not what she was ready for. So she called the company with a. complaint.

    The next day, the front-line executive was all sorry madam- sorry madam for the mistake and then made the blunder of working by the book. The executive offered to send a complimentary cake to her father- this time with a message, not realising that it would amplify the error and make it messy.

    There was no way the diabetic dad was going to have another celebration and bite of the cake. The moment of glory and make-good was lost for the girl. And what was the compensation- well, a complimentary cake.

    Anupama knew there was nothing she could do. However, she made a mental note to refrain from using the company’s services again. She shared her experience on social media and with a few friends at the office. Anupama then deleted the 250 Rs digital voucher the company sent her as a goodwill gesture!

    I don’t know what would/should/could have been the best way to handle the situation. But the complimentary cake was not the right one. Hopefully, the company will review and recalibrate the response for the future.

  • Shilpi Kapoor is CMO, Airtel Payments Bank

    By Our Staff

     

    Airtel Payments Bank has announced the appointment of Shilpi Kapoor as its Chief Marketing Officer. She will oversee the marketing and corporate communication function for the bank.

     

    Said Anubrata Biswas, MD and CEO, Airtel Payments Bank: “I am very pleased to welcome Shilpi to Airtel Payments Bank’s leadership team. Shilpi’s vast experience across different industries combined with her deep understanding of consumer, digital and business-to-business marketing will play a vital role in further strengthening the bank’s differentiated position.”

     

    Added Kapoor: “Airtel Payments Bank has been registering strong growth over the last few years. With its unique business model, the bank is able to serve a diverse set of customers with simple, safe and rewarding digital financial solutions. I look forward to working with the team to develop the bank’s robust growth story.”

     

    In her last stint, she was with American Express as Director of Marketing, where she led the brand strategy and communications. Shilpi is an alumnus of Amity University and has completed special programs in leadership excellence and digital marketing from Harvard Business School and Northwestern Kellogg University.

     

  • Big Boys go to B-school for betterment

    By Anumeha Chaturvedi

     

    Liane Cabral Ghosh was working as a senior manager and strategist at Dell’s research and development centre in Bangalore, when she decided to enroll for an INSEAD leadership programme for senior Indian executives last August.

     

    “I was growing well in technical functions, but did not have management skillsets. I wanted a programme that could provide a career jump for senior leadership positions,” said Ms Ghosh. The programme concluded last month, and it seems that Ms Ghosh has been taught well. She will now join Canadian IT company Innovatia this month as country manager.

     

    Senior-level professionals across functions, profiles and industries are going back to school for short-term and long-term executive education programmes in order to reskill themselves. Ms Ghosh’s batchmates at INSEAD included Rajshree Naik, the marketing head of Forevermark, De Beers; and Manesh Nair, former director of business relationship consulting, India and Thailand, at American Express, and after the course, global director for partnership development posted at American Express, New York.

     

    “We are witnessing a growth of 25 per cent when it comes to participation in ‘open enrollment’ executive education programmes every year,” said Deepak Chandra, deputy dean at the Indian School of Business (ISB).

     

    Open enrollment programmes are meant for professionals from all fields looking at a specialisation in functions like marketing, finance or sales strategies. ISB will host 5,000 such students this year. It currently offers 45-50 such programmes, up from 5-6 a decade ago. The courses at ISB last anywhere from a week to a month.

     

    “Reskilling assumes greater importance in challenging times,” said Chaitanya

    Kalipatnapu, co-founder and director of Eruditus, a firm promoted by the alumni of INSEAD and Harvard Business School (HBS) to deliver executive education programmes. “Business schools witness a spike in activity during a slowdown, as candidates consider it safe to turn to education and feel the slowdown would be over and done with by the time they pass out.”

     

    Among the IIMs, Kozhikode is the only one to offer a two-year executive post-graduate programme in management for professionals. The batch size for this programme accredited by the London-based Association of MBAs (AMBA) has increased from 220 in 2010-12 to 333 for 2012-14. “We have increased the batch size owing to a significant demand for this course among professionals,” said C Raju, professor, quantitative methods and operations management, at IIM Kozhikode. The institute will also have two new one-year executive education programmes on human resource management and IT this year.

     

    “The number of requests and applications for customised and open enrolment programmes have more than doubled this year,” said Mr Kalipatnapu. It offers executive education programmes from INSEAD (one-year), Wharton (both short-term and long-term), and Tuck School of Business in India. While Wharton has introduced open enrollment executive education programmes in the country this year, Tuck School of Business entered into a first-of-its-kind by-invitation consortium with a few companies like TCS, Mahindra & Mahindra and HSBC this year, wherein the companies nominated their senior managers for a programme on innovation and leadership. The Tuck programme is spread over nine months.

     

    Individuals often opt for these programmes on their own, but companies too nominate and shortlist candidates and even work with universities on customised case studies to address their business needs. “Companies are realising that education is a good motivating tool to attract and retain talent,” added Mr Chandra.

     

    “Companies realise that the economic challenges demand a more targeted approach to talent management,” said Mr Kalipatnapu. Firms like Bharat Petroleum, Accenture and IBM work with these top schools for programmes tailor-made to suit their needs.

     

    Harvard Business School India Research Center, which handles executive education programmes in India, has diversified its portfolio of executive education programmes this year. “We had three executive education programmes last year, and we plan to have around 10 this year,” said Amrita Chowdhury, associate director, education, at HBS India Research Center. It has introduced new programmes on leadership and corporate accountability and innovation. “As senior professionals move up the leader, they realise they need specialised skills in general management and leadership,” said Ms Chowdhury.

     

    She said that while the majority of candidates in a programme would comprise large private companies and PSUs, 30-40 per cent of the candidates are senior management professionals or owners of SMEs. “These are companies with a turnover of around Rs 100 crore, have gained a lot of scale, and are now looking at skilling their top management for the next phase of growth.”

     

    Companies like Genpact and Aon Hewitt also have tie-ups with the HBS Research Center for shortlisting candidates for their programmes. “Our managers run large teams across the world and they learn about leadership and understand how cultures operate through these programmes,” said Amit Aggarwal, senior vice-president, global leadership development and training, at Genpact.

     

    While Genpact sends around 3-5 professionals for such programmes every year, Aon Hewitt shortlists its partners and even sent one of the directors for the programme this year. “The programme touched upon all elements of leading businesses and people, and was insightful, as managing people is one of the most crucial aspects of our business,” said Ryan Lowe, director at Aon Hewitt, who attended the HBS programme on managing professional services firms in January this year.

     

  • Indian consumers highly impatient with customer service execs: Study

    By Sagar Malviya & Maulik Vyas

     

    If you have been using foul language on the customer service associate, threatening to switch to competition, you aren’t the only one to do so. In fact, 64 per cent of Indians lose their temper with a customer service executive, far higher in comparison to an average of 48 per cent in other markets, says a survey that highlights the rising importance of customer service in the country.

     

    Nearly two in five Indians threatened to switch to a competitor while a third of them hung up the phone on customer care executives.

     

    While around 61 per cent insisted on speaking to a supervisor, 12 per cent of Indians use profanities or abusive language as against an average of 7 per cent globally, according to the survey by American Express and global research firm ‘echo’.

     

    “Great customer service is great business and positions a brand with staying power,” said Pradeep Kapur, Senior Vice President, World Service India & Process Excellence, American Express said.

     

    The American Express Global Customer Service Barometer – an annual survey of attitudes and preferences towards customer service in India and ten other countries -was done online among shoppers above 18 years of age.

     

    Over than a quarter of the survey participants said the whole ‘customer service experience’ that marketers talk about missed their expectations completely.

     

    “We are very relationship-oriented country and we love to know the name of the person and see the face of an individual who caters to us at other side of the phone call,” said Harish Bijoor, brand consultant and CEO of Harish Bijoor Consults Inc. “Moreover, Indians are very new to remote complain and data services, hence their aspirations will obliviously higher compare to other mature markets such as the US.”

     

    Indian consumers discuss good customer service more than any other nationals; 97 per cent of the participants talk about ‘after-sales service’. Indians are becoming quite vocal about poor quality service too as each one tells approximately 47 people about their bad experience. One out of every five consumers feels businesses pay less attention to providing good customer service. And four out of five believe that smaller businesses give more importance to customer service than large ones.

     

    “When customers know that a company is listening to them and addressing their needs quickly and responsively, they will not only spend more – they will spread the word to others as well,” added Mr Kapur of Amex.

     

    As per the survey, seven in ten consumers intended to conduct a business transaction or make a purchase, but decided against it due to poor service experience. This particularly applies to service sectors such as hospitality, healthcare, finance, telecom, airlines and retail that contribute around 60 per cent of the country’s GDP.

     

    Source: The Economic Times

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