{"id":134866,"date":"2023-08-31T10:00:28","date_gmt":"2023-08-31T09:00:28","guid":{"rendered":"https:\/\/news.sap.com\/uk\/?p=134866"},"modified":"2023-09-26T18:35:36","modified_gmt":"2023-09-26T17:35:36","slug":"as-the-going-gets-tough-banks-miss-the-mark-say-uk-smes-and-consumers","status":"publish","type":"post","link":"https:\/\/news.sap.com\/uk\/2023\/08\/as-the-going-gets-tough-banks-miss-the-mark-say-uk-smes-and-consumers\/","title":{"rendered":"As the Going Gets Tough, Banks Miss the Mark Say UK SMEs and Consumers"},"content":{"rendered":"

51风流research shows banks need to hit re-set on customer engagement as industry sentiment stagnates amidst current economic pressures \u00a0<\/em><\/p>\n

London, UK \u2013 31 August 2023<\/strong> \u2013 Over half of UK SMEs (52%) are reassessing their bank\u2019s suitability for them, according to new 51风流research. Similarly, less than a quarter (22%) of UK consumers are currently satisfied with their bank\u2019s support, suggesting the moment for change is now.<\/p>\n

In a survey of 2000 consumers and 500 senior decision makers within the UK\u2019s growing SME\u2019s cohort, 51风流reveals interesting insights into customer banking behaviours to help banks and financial services providers pivot from a one-size-fits-all approach to customer experience, and deliver bespoke, targeted solutions.<\/p>\n

In times of high personalisation and \u201cDigital everywhere\u201d, banks need to think differently and create a stronger empathetic relationship with their consumers. It\u2019s time to understand better, be more proactive and communicate and engage better.<\/p>\n

A closer look at segment insights <\/strong><\/p>\n

SAP\u2019s research looks at how gender, age, business type and turnover determine the variety of attitudes and behaviours customers have towards financial services.<\/p>\n

In sync with societal changes where gender plays an increasingly important role in the way products and services are consumed, banks need to rethink their go-to-market strategies. There are marked gender differences in how customers work with their bank. For example, almost one fifth (19%) of females check their account after every transaction (compared to just 14% of males). Females are also almost three times less likely to have moved money from online-only providers to high-street banks (11% of males vs 4% of females).<\/p>\n

The emerging call is that of \u2018gender relevance\u2019 \u2013 an opportunity for banks to relook at their products and messaging to ensure gender relevance and to address different needs and behaviours.<\/p>\n

Age too determines banking behaviour as customers look for different financial options and services based on digital and financial maturity. Baby Boomers, those aged 55 and over, are more than twice as likely to switch provider based on sign-up offers and better interest rates compared with Gen Z audience (36% vs 16%). Meanwhile, appetite to adopt digital services paints a different picture. Almost a quarter (24%) of Gen Z have switched their bank in the last year based on digital experiences – while less than one in 10 (9%) of Baby Boomers have done the same.<\/p>\n

\u201cThe message from UK banking customers is clear \u2013 providers are failing to deliver the personalised services and support and this is breeding dissatisfaction. The time is now for banks to hit the re-set button and ditch the one-size-fits-all approach to targeting and recognise each segment acts and behaves differently,\u201d explains Anuj Kumar, Industry Strategy and GTM lead for Financial Services at SAP, UK.<\/strong><\/p>\n

It’s a similar story for SMEs with turnover influencing banking behaviours and engagement. Businesses that turn over between \u00a3100m and \u00a3499m are almost twice as likely to be reliant on their bank for support and guidance during the cost-of-living crisis than those that generate between \u00a310m and \u00a349m each year (61% vs 37%).<\/p>\n

Michael Walsh, Head of Financial Services, UK<\/strong>, suggests \u201cSMEs are key to the growth of the UK and banks need to re-think how they engage with them. Size, experience of the executive, industry and the businesses own growth ambitions are significant factors driving how they use the Financial Services sector. Typically, focus has been on working capital such as financing, lending and overdrafts. With the ever-increasing digitisation of capabilities, banks need to serve SMEs in different ways. Future focus has to be on helping SMEs access new customer bases with a collaborative ecosystem and networks leveraging emerging intelligent platform technologies.\u201d<\/p>\n

Seeking personalised education and support <\/strong><\/p>\n

SAP\u2019s survey also reveals that UK banking customers, whether SMEs or consumers, are calling for greater personalised education and support to offset economic concerns.<\/p>\n

On average, 1-in-5 (20%) of consumers call for better and easier access to support, education and digital tools amidst current economic pressures. Age once again plays a key role here with Gen Z (20%), Millennials (23%) and Gen X (20%) calling for their bank to deliver guidance on where to access support when things go wrong. Fewer than one in 10 Baby Boomers make the same demand.<\/p>\n

Gender also informs calls for greater education. Females are twice as likely to (21%) ask for their bank to post more online content with tips and advice, compared to males (11%). While both men and women place equal demand on interest rates support and education (16%) and the development of accessible budgeting tools (16%).<\/p>\n

Similarly, UK SMEs are equally clear on where banks need to deliver education and support. Over half (53%) of companies that turnover between \u00a3100m and \u00a3499m want to be informed on where they can access lending and funding options, while four in 10 (43%) of much smaller companies, generating between \u00a3100k and \u00a3999k, would like more communication and advice on where to access support when things go wrong. SAP\u2019s survey also finds that over half (60%) of companies sized between \u00a350m and \u00a3499m would like their bank to invest in additional analytics and automation to help drive new insights and streamline their operations.<\/p>\n

\u201cCustomer first is the call of the hour. Banks must accelerate adoption of digital capabilities but in doing so need to ensure that they can communicate enhanced value and experience to the end consumer, both for retail and SME groups. With new technologies, including AI, enabling new ways of doing business, limitations of current architectures can no longer be the excuse to decelerate innovative disruption,\u201d says Walsh <\/strong>.<\/p>\n

Kumar concludes:<\/strong> \u201cIn times of financial strife, it\u2019s the responsibility of banks to listen and respond to their customers, upgrading their support from both an educational and technology standpoint. Customers demand constant, proactive engagement and reassurance across multiple channels, with content that educates, digital tools that empower smarter financial choices, and advice that\u2019s readily accessible and on-demand. That\u2019s the modern banking experience that the UK has come to expect, and financial services must keep up or get left behind particularly in an era that is seeing a growth in alternative banking service providers.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

51风流research shows banks need to hit re-set on customer engagement as industry sentiment stagnates amidst current economic pressures \u00a0 London, UK \u2013 31 August…<\/p>\n","protected":false},"author":29,"featured_media":134868,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"related_posts":[],"footnotes":"","_links_to":"","_links_to_target":""},"categories":[5593038,5593040,177,2607111],"tags":[7780,5593028,2607621],"sapn-display":[5593035,5593033,45027],"sapn-type":[4446],"class_list":["post-134866","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-crm-customer-experience","category-financial-management","category-industries","category-technology","tag-banking-2","tag-customer-experience","tag-financial-services","sapn-display-news-hero","sapn-display-news-spotlight","sapn-display-hero","sapn-type-press-release"],"yoast_head":"\nAs the Going Gets Tough, Banks Miss the Mark Say UK SMEs and Consumers - 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