The starting point is the ideal customer relationship and data can help you recognize how far from the ideal you are or trends. If big data is helping determine the ideal relationship with the customer that's terrific, but the starting point should never be the data.
Say you're running a bank and you looked at life from the customer experience first, what sort of decisions would you make? I think USAA did a great job thinking this way with remote check deposit. The first question wasn't "What does technology enable?" The first thought was that people want to be able to make deposits from home and how could USAA develop the technology to allow their members to do that? And they quickly realized its not even that people want to make deposits at home, really they wanted to be able to make deposits wherever they were and so they enabled mobile deposits. They did this at a time when everyone else was thinking the technology would not allow for it.
Of course the technology does not allow for it if you don't even think of the idea.
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