Innovative omni-channel insurace sales

 

 

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OMNICHANNEL

EXIMEE PLATFORM

HIGH POTENTIAL

01. Client

Powszechna Kasa Oszcz─Ödno┼Ťci Bank Polski is the largest universal bank in Poland, operating since 1919. It has over 1100 branches, more than 3100 ATMs and maintains 7.59 million accounts.
The cooperation with Consdata started with onboarding application forms on eximee platform. After their successful implementation in PKO Bank Polski, Consdata delivered another large application - the application for motor insurance.

Our task was to digitalize the sales of motor insurance in the internet and mobile channels for PKO Bank Polski. Prior to that the sale of motor insurance was available only in call-centre channels and branches, so that the actual availability to the general public was limited and the cost of reaching the customer was high.

Challenge

Our task was to digitalize the sales of motor insurance in the internet and mobile channels for PKO Bank Polski. Prior to that the sale of motor insurance was available only in call-centre channels and branches, so that the actual availability to the general public was limited and the cost of reaching the customer was high.

02. Solution

Motor insurance form, implemented on the eximee platform, is currently available not only via the website, but also in call-centres and branches. Moreover, an application started in one channel can be finalized in any other. It allows customers, in addition to purchasing OC and AC policies, to compare the offers of many different insurance companies. We have applied several solutions that have made it easier and faster to fill in the application, such as automatic filling vehicle data based on the registration number. We added several new and re-usable components to the component library compliant with the PKO Bank Polski brand-book, making it easier to compare and choose from among the offered products - in this case the most advantageous of the available policies.

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Worth mentioning

Worth mentioning

In Poland, car insurance can be purchased not only through the bank's mobile application, but also through ATMs, messenger chat-bots, or through an application for making payments in parking meters.

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However, few insurance companies in Poland have their own mobile application. That is why they are so eager to cooperate with banks that have very advanced applications.

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03. Results

The main business benefit is the introduction to online sales of motor insurance, a product previously offered by PKO Bank Polski only in branches and call-center. Thanks to this, its availability has increased and the cost of sales has been reduced.
Thanks to its omnichannel nature, the bank is able to support the sales process through the call-center with the use of customer data recorded in unfinished applications.

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