How data helps grow annual lending from €3M to €10M

Wakibi

  • Customer case
  • Customer Experience
  • Technical Web Analytics
  • UX research
  • Datahub
Wakibi lenders

Wakibi connects lenders with entrepreneurs in developing countries and aims to stimulate sustainable economic growth. To increase its social impact, the organisation has set an ambitious growth target: increasing annual lending volumes from approximately €3 million to €10 million by 2030.

To achieve this goal, Wakibi needed a better understanding of who its lenders are and what motivates them. During discussions with Wakibi, three structural data challenges emerged:

  • Insufficient demographic and behavioural data about lenders
  • Limited visibility into the online customer journey
  • A lack of evidence-based insights to optimise marketing and communication

Through the Datahub, we supported Wakibi in addressing these challenges and establishing a data-driven foundation for future growth.

Approach

To develop a reliable and complete understanding of Wakibi's lenders, we worked on two tracks simultaneously: technical measurement and customer research.

First, we analysed the existing website measurement setup and identified gaps in data collection. Our Technical Web Analysts conducted a comprehensive tagging audit and implemented a sustainable measurement framework within the data layer. This enables Wakibi not only to benefit from this project, but also to independently generate insights in the future.

At the same time, our Customer Experience Analysts focused on understanding the lenders themselves. What motivates them to provide loans? Where do they experience friction in their journey? And what keeps them engaged over time?

Through a targeted lender survey, we gathered insights into both behaviour and underlying motivations.

The findings were consolidated into a comprehensive research report, including practical recommendations. In addition, Wakibi received a detailed overview of all implemented measurement points, allowing the organisation to take immediate action.

 Schematic visual showing how Wakibi builds a data-driven foundation for growth. Two research streams converge into a single source of lender insight. On the left, technical analysis includes a tagging audit, measurement framework and customer journey tracking. On the right, UX research includes a lender survey, motivation research, journey analysis and needs assessment. Together, these activities create a complete understanding of lenders, including motivations, behaviour and friction points. The resulting insights are used to improve brand strategy, marketing and communications, helping Wakibi increase lender engagement, enable more loans and create greater impact for entrepreneurs worldwide.
By combining technical web analytics with UX research, Wakibi gained its first complete and evidence-based understanding of its lenders.

Results

Wakibi now has a well-founded and comprehensive understanding of its lenders. The organisation has gained deeper insight into motivations, behaviour and information needs throughout the customer journey.

The project also revealed where lenders disengage and which factors contribute to repeat lending behaviour.

One of the key findings was the importance of transparency, personal involvement and visible impact. Lenders want a clearer understanding of the difference their contribution makes and appreciate updates about the projects they support.

The research findings are already being used to support a new brand strategy and the further development of marketing and communication activities. Many insights confirmed signals previously received from lenders and volunteers, but now provide an evidence-based foundation for decision-making.

With these insights, Wakibi can further optimise its website, customer journey and communication efforts, helping the organisation fulfil its mission of providing more entrepreneurs in developing countries with access to financing through small loans.

Curious to find out what we can do for you?

Sanne is keen to discuss how we, as a data & AI partner, can support you and your organisation.

Sanne Kieftenburg

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Nationale Jeugdraad is an umbrella organisation for 37 Dutch youth organisations. To gain a thorough understanding of youth behavior and opinions, they conducted a survey among a large group of young people. As they did not have the appropriate personnel available themselves, they enlisted our assistance.

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Replacing qualitative researchers with AI, a good decision?

Artificial Intelligence seems capable of everything, and sometimes even better and faster than what we can do ourselves. Analysing qualitative data is a time-consuming task, and as researchers, we are curious if it can be done faster and easier. Does AI offer a solution for this? Our researchers investigated.

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Digital Power launches UX Research solution

Consultancy.nl interviewed Team Lead Mieke Kleppe about our new data solution UX Research.

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How can you tell if your GTM tagging server works?

There are reasons abound for deploying a tagging server on your website. This blog will not be about why it makes sense (or why perhaps in your case it doesn’t) to use server-side tagging. Instead we will jump forward in time and ask ourselves another pertinent question: ‘how can you tell if your tagging server is doing what it is supposed to?’

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Three trainees talking about Digital Power's Tracking & Analytics traineeship

Consultancy.nl interviewed our Nissreen, Gianni and Yannick about their experiences on Digital Power's tracking and analytics traineeship. What attracted them to the traineeship? What is the Digital Power company culture like? What project are you running now? What are the highlights and what is the mentoring like?

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How to translate user problems into valuable solutions

In this (Dutch) online masterclass, Youp van der Graaf and Michiel Cassee (WUA) reveal the art of translating user problems into valuable solutions.

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Implementation of e-commerce tracking for Google Analytics 4

MS Mode & America Today used Universal Analytics (UA) for analysing their online stores. They had fully implemented e-commerce tracking, with KPIs such as transactions, average order value, and abandoned shopping carts visualised in Looker Studio.

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Transitioning from Universal Analytics 360 to Google Analytics 4 and Streamlining Data Analysis

There are currently a lot of developments surrounding Google Analytics, including user privacy (GDPR) and the sunset of Universal Analytics. For Miele X, the digital branch of Miele, GA4 was also one of the topics on their agenda as part of their bigger plans towards a more privacy-centric and vendor-agnostic way of data collection. They enlisted our help to support them with the transition from Universal Analytics 360 to GA4.

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Enhanced customer journey through process mining

The Municipality of The Hague was seeking a partner to assist them with their web analysis. In doing so, they had a central goal: to investigate the performance of their future new website and identify opportunities for further optimisation. They enlisted our help to establish and execute the process.

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Lean Six Sigma project for optimisation of change management process

A Dutch telecom provider sought to examine and enhance their change management process using Lean Six Sigma. The objective was to maximise successful changes in hardware and software, evaluate risks, inform customers, and conduct assessments. The telco aimed to strengthen operational stability, streamline network and IT maintenance, foster innovation, and optimise service delivery.

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EU-US data transfers, three times a charm or not?

July got off to a rocky start. First, we saw the Swedish Data Protection Agency (DPA) issued a warning to stop using Google Analytics due to the risks posed to privacy under the lack of an adequacy decision for EU-US data transfers. In the same week, the EU Commission reached an adequacy decision with the US for the third time. Can you now finally share personal data for all purposes with US based organisations or should you change course?

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Getting started as a data trainee with JavaScript, HTML and web data

How does the Tracking & Analytics traineeship work in practice? When do you start working on real challenges for clients? And how can you develop yourself during this traineeship? Our trainee Nadine Spijker will tell you more about it.

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Interview with data trainee Jasper

What does the Tracking & Analytics traineeship look like in practice? When do you start working on real challenges for clients? And how can you develop yourself in this traineeship? Our trainee Jasper van der Meer tells us more about it.

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Optimal user experience for Memoriam Platform

KWF is a Dutch charity dedicated to fighting cancer. The organisation was working on the development of a Memoriam Platform. This is a new initiative to create personalised memorial pages for the deceased. On these pages, donations can be made to KWF.

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Evaluating brand alignment website with user perception

In October 2022 we launched our new website, in a fresh design style. We asked our partner Kaliber to update our branding and website with a design that fits our brand values. After the website went live, we wanted to know if they succeeded at this. Therefore, our own research consultants designed and conducted a research study to evaluate the effectiveness of the new design in conveying our intended brand values and message.

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How do you collect data while protecting the privacy of EU citizens?

The world of web analytics is constantly changing due to technological and legal developments. One significant event in the field of technical web analytics is the introduction of server-side tracking, which allows companies to have full control over their data flows.

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Comprehensive customer data overview through data warehouse

One of the largest professional service providers in the Netherlands aims to achieve a comprehensive overview of their customer data. They wanted to build a data warehouse or Customer Data Platform (CDP) for this purpose and asked for our help.

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Future-proof migration to GA4

From 1 July 2024, it will no longer be possible to process data in Universal Analytics 360 (hereinafter: UA360). Wehkamp collected data in UA360 and was keen to be prepared in time for the migration. In addition, they wanted to collect at least 1 year of historical data for UA360's sunset. This allowed Wehkamp to compare the data in UA360 and in GA4. A key desire was to migrate the measurements as-is.

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Best practices for A/B testing

A/B testing is a powerful tool for validating the impact of optimisations across a website, app or marketing campaign. In A/B testing, statistics are crucial in determining whether the found results are significant or coincidental.

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Switching from Universal Analytics to Google Analytics 4 (GA4)

On 14 October 2020, Google launched the new version of Analytics: Google Analytics 4 (GA4). Soon after the launch, it became clear that a number of important functionalities from Universal Analytics (GA3) were missing, and therefore the time to switch seemed far away. Fortunately, we see that the development team on the side of Google has not been idle. Some nice features have since been introduced within GA4 that have narrowed the gap between GA3 and GA4. This article answers the questions that are increasingly being asked about GA4.

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Implementing a standardised digital data layer

ABN AMRO partnered with our team to create a standardised digital data layer, addressing challenges with uniformity, reliability, and efficiency in their migration to a new analytics platform. The new standard allows for consistent tagging of all online components, leading to improved tagging management and reliable digital data for future use.

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Google Analytics 4 vs. Google Analytics 3: What are the pros and cons?

If you want to keep track of free statistics about website visitors and their behaviour on your website, you will quickly turn to Google Analytics. With the free version of Universal Analytics (better known as GA3), it only takes a few minutes to set up basic metrics such as users, sessions and pageviews. For more extensive analyses, you have the paid version Google Analytics 360. As of July 2023, GA3 will no longer be supported by Google. Time to switch to the new GA4. Read all about the pros and cons of the new Google Analytics in this article.

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What to do about broken Looker Studio dashboards?

Did the following scenario happen to you last week? While enjoying your morning coffee, you take a look at your pride and joy: a meticulously created Looker Studio dashboard built with the GA4 connector. You rub the sleep from your eyes and see your charts are all broken. Frantic phone calls from colleagues are pouring in. What is happening? Find out in this post what the consequences of Google’s newly imposed quota on the Google Analytics Data API are.

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Integration web and app data contributes to a 360-degree customer view

Univé is a Dutch insurance company that offers insurance, financial products, and services to both consumers and businesses. The company is focused on providing high-quality service and helping customers make responsible financial decisions. Since 2014, we have been working closely with Univé.

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Working as a Customer Experience Specialist

A job as a Data Analyst at Digital Power: What does this job look like in practice? What skills are required? And what kind of work will you do? Marloes talked to Jasmijn, Customer Experience Specialist, to get an idea. Listen to the Dutch podcast or read it in the article below!

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Target group research for new website

The organisation Doctors of the World offers medical assistance to people in a vulnerable position. They often do not know how to find their way in the Dutch healthcare system. Doctors of the World helps them with this. One of the channels to get informed about the work of Doctors of the World is the website, which will be redesigned.

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Better public services based on a research cycle

Dutch citizens living, working or studying abroad must also take care of things like renewing their passports, arranging tax issues and pension with the Dutch government. This can be something of a challenge by being far away from the Netherlands, due to fragmentation of services, time difference and different situations. In a project which lasted from 2018-2022, the Ministry of Foreign Affairs therefore worked together with 12 implementing organisations (e.g. Tax and Customs Administration and RDW) on government-wide access to public services. The service is called Netherlands Worldwide (NWW). NWW is accessible 24/7 on the website, and direct customer contact channels such as telephone, WhatsApp and email.

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Implementation of Google Analytics 4

An interest group for homeowners offers a wide range of content and services on its website that can be closed online. In order to serve its website visitors in the best possible way, interactions with the services, funnels and content pages must be properly measured. They already did this with our support, with Universal Analytics (GA3). To be well prepared for the future, they asked us to implement Google Analytics 4.

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Getting started as a data trainee with JavaScript, HTML and CSS

What does the Tracking & Analytics traineeship look like in practice? When do you start working on real issues for clients? And how can you develop yourself in this traineeship? Our trainee Bob Wassenaar tells us more about it in the 'From data to action' podcast. Listen to the podcast or find out all about it in the article below.

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Being trained as a Technical Web Analyst, why and how?

A new group of trainees Tracking & Analytics will start soon. They will be trained as Technical Web Analysts and can become part of the Digital Power team after their traineeship. But what does a Technical Web Analyst (not) do and what can you expect from this traineeship? In this podcast, Marloes interviews her colleague Jos on this topic.

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Digital Power Datahub and Partos launch the Data Awareness series

On February 10, 2022, the Digital Power Datahub and the Partos Digital Lab together kicked off the Data Awareness series with the Intro to Data Awareness. This series of 6 training courses develops the Datahub especially for the members of Partos; non-profits in the development cooperation industry. The aim of the series is to make development cooperation specialists data-wise, so that they can make and measure more impact.

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Which data traineeship is right for you?

You are almost done with your studies and looking for an employer that offers you the opportunity to learn everything about the field of data. Or you are no longer challenged in your current position and would like to become more technical. In both cases, you do not want to follow unpaid courses, but you would like to get started as soon as possible for real customers, with a serious salary. Does this sound familiar? Then these data traineeships are really something for you.

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Learn to code in JavaScript

As a data professional you never stop learning. Your field is developing at lightning speed and you have to continuously develop yourself to keep up. In recent years, for example, new functions have been created such as Data Scientist and Data Engineer. There is also an increasing need for data professionals who can code. But how do you learn to code in Javascript? We developed an internal training programme for this.

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What are cookies?

Cookies. This word comes up a lot in the world of marketing and online analytics. But what exactly are those cookies? And are there different types of cookies?

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Measure ecommerce events in GA4 and Universal Analytics with only the updated datalayer pushes

With our variable in the Google Tag Manager Community Template Gallery it is easy to start using all the new ecommerce analytics capabilities that Google Analytics 4 offers while fully supporting the 'old' enhanced ecommerce of Universal Analytics. Find out how the variable works.

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Data-driven optimisation of offline customer service

For some time now, we have been assisting PostNL's customer service department with the optimisation of their online service & contact environment. Various pilots showed that there was also a lot of potential in improving the offline service.

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The 'app rating' as a metric for your product team

Before downloading a new app, consumers often look at the app's rating. This is shown in stars with 5 stars being the highest rating. What does the app rating mean for your organisation? And for your users? The app rating is a metric that accurately reflects the tension field between marketing and product. While the importance of a high rating is obvious, a shortcut can be taken on the way to it. How does your organisation use the app rating?

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Data-driven optimisation of your digital service environment

Good service is important for customer satisfaction and loyalty and therefore very valuable for companies. Many companies offer services digitally. Customers can then find information about a product via a website or app. Optimising this digital 'service environment is best achieved with the help of data.

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Achieve more conversions with CRO

Whereas conversion rate optimisation (CRO) used to be mainly in the E-commerce focus, we now see its application in all kinds of forms and fields. The focus here is on improving a particular conversion goal. Whatever your goal is for your organisation or team, CRO requires a good approach. This e-book will help you get started.

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Get more value from your development team with the help of a CX specialist

Is your organisation's backlog of the development teams overcrowded? Then you may be of the opinion that investing in Customer Experience (CX) specialists is not a good idea at the moment. This is based on the assumption that the CX team will come up with suggestions for improvements for the website/app and therefore 'burden' the development backlog even more. Yet there is definitely added value in investing in a CX specialist, even when there is high pressure on the development capacity. PRECISELY when there is a high pressure on the development capacity…

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From data to action

Every day, we collect data. Think of customer data, website visitor behaviour, information about conversions through all your off- and online channels and the performance of different teams within your organisation. But how do you use that data effectively?

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5 CRO pitfalls and tips to professionalise

Do you want to get more out of your conversion rate optimisation process, or do you want to know which pitfalls there are and how to avoid them? This blog article contains 5 tips on how to professionalise your CRO process so that you can get more value out of it.

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Is your product really being used?

You have worked with your product team on developing a new product. You have certain expectations of how users will use the product. The only question is: is this really the case? Are they using the product as you imagined? Who is using the product and who is not? In this article we discuss the Product User Activity Model. This model gives you more insight into the current and potential use of your product to take targeted action for growth.

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Process Mining as input for (online) customer journeys

Data is increasingly being used to map customer journeys. Which makes sense, because we collect a lot of data in our analytics tool around the online part of the journey. A technology that can lead to valuable insights but is often forgotten is process mining.

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How to measure user goals in a digital environment

When are user goals optimally supported by a digital environment? Everyone has an idea about this, for example 'a pleasant purchase flow' or 'easy login'. How effectively you support the user is challenging to measure. However, it is everything that determines the success of your digital environment. To help you measure your success, or to check if something is missing in your current framework, we share our Customer Experience (CX) pyramid.

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Data-driven web and customer experience optimisation

Eneco customers can enter into or change an energy contract via the website, but also purchase a charging station or hire an energy coach, for example. Eneco wanted to bring in more expertise regarding the field of digital analytics. We helped Eneco find an extra Web analyst with whom this ambition could be fulfilled.

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From data to action for public services

There's no denying it. We all work with data and we generate huge amounts of new data every day. The data on our supermarket customer card, the disposal of household waste at the smart container, checking in with public transport, the number of hours our TV is on or refilling our parking meter. But how do you use that data effectively?

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A new tagging structure for the App and website

Univé is the only Dutch insurer with a website, App and physical stores. They therefore follow an omni-channel strategy. According to its own '1 digital front door principle', the insurer also wanted to offer customers the opportunity to take out/change insurance policies and report damages via the App. They asked our Data Analysts to make the new funnels measurable.

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How do I set up Google Tag Manager?

A tag management system such as Google Tag Manager (GTM) enables you to measure visitor behaviour on your website. You can also implement marketing pixels (such as Google Ads and Facebook) and cookie banners via this platform. This article gives you tips to keep in mind when setting up GTM. This allows you to collect reliable and usable data, and you will be less dependent on your web developers.

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Measurable impact Service Design team on UX internal tools

KLM Digital Studio builds innovative digital solutions to make working at KLM more efficient, effective and enjoyable. One of the teams within Digital Studio, the Service Design team, is concerned with user experience. They conduct user research, build designs and test design ideas for new digital solutions. KLM asked us to provide insight into the impact of this team on the UX of its internal tools.

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A structured, scalable tag plan for Mijn Vattenfall

Nuon became Vattenfall in October 2019. The rebranding was a good reason to optimise Analytics. There was a renewed focus on applying insights from user data in the Mijn Vattenfall environment. The data collected for this was not always reliable. In addition, there was insufficient knowledge and capacity within the department to maintain the Analytics. The energy supplier asked for our help to support them in re-establishing the tagging and analytics of Mijn Vattenfall.

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Standardise Adobe Analytics implementation for complete insight into the customer journey

Within KPN, one team is responsible for the implementation of Adobe Analytics, the Digital Performance team. Due to the working method that had developed before the formation of this team, the specialists did not work together optimally.

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Product analytics for essential insights into usage and usability

KLM employees work with various applications on a daily basis. For example, the ground staff uses Appy2Help. This digitises work processes and supports employees in answering all questions from passengers. iMech helps to free up more time for maintenance instead of administration and the intranet is my. klm is the starting point for everyone within KLM to find information. KLM asked us to support various teams in developing good applications using insights from user data.

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5 metrics for optimising the Customer Experience

As Customer Experience Specialists at Digital Power, we regularly come up with 5 metrics that help us measure user quality. With this we are taking the first steps in optimising the Customer Experience. We are happy to walk you through all 5 of them. Are you going to use them from now on to analyse the user experiences of your product or service?

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Customer Experience trends

When we talk about Customer Experience, we mean virtual assistance in the form of voice and chatbot applications. It is expected that these will make interaction with the customer more accessible and easier. Companies like to go along with these kinds of innovative trends to improve their services. Is this indeed what Customer Experience Optimisation is all about?

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Customer Experience Optimisation: a structured approach

More and more organisations are aware of the impact of the customer experience on business results and competitiveness. Research shows that 84% of organsations prioritise customer experience more than they did two years ago. In fact to 76%,  it is high or top priority. Further research shows that the customer experience is essential to the marketing strategy according to CMOs.

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More employee engagement using inspirational sessions about the employee experience

In the tight labour market, professionals no longer choose their new employer only because of the employment conditions. Increasingly, they decide whether or not to come on board and stick around based on employee experience. The 'employee experience' is therefore important in all phases. Not only at the recruitment and selection level, but also, for example, when processing a claim.

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Customer Experience Optimisation

Residential investor Vesteda is working on a new website. This must offer (potential) tenants and B2B customers, such as investors and pension funds, an optimal online experience. Buyer personas of the various B2C target groups had already been developed. Together with Vesteda, we also started to map out the B2B target groups. In addition, together with the customer, we developed the optimal customer journeys for the most important buyer personas.

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More online conversions thanks to an improved UX thanks to a user experience review

A Smart Security Scan is a tool that allows you to test the security of websites. The reports showed that something went wrong in the flow where people have to verify their IP address to be able to scan. We went looking for a solution. We also gave tips to optimise online conversion.

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App optimisation for a better user experience

'How do we make our app more accessible to people from Vietnam?' During a Learning @ Location Day, our multi-disciplinary team of data professionals worked on this Oxfam Novib challenge.

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Streamlining web development using a tag management plan

To have a good overview of the results of multiple websites at the same time, you need a clear structure as a basis. RNW Media has several project websites, some of which are available in different languages. Our own web development team is responsible for the build and maintenance of this. They set to work with a building block model for building new websites. We were asked to provide a structural solution for measuring all websites.

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Higher customer satisfaction and increased conversion by setting up an A/B test environment

Vodafone started a 3-month 'digital boost' project with the aim of improving the conversion of the online shop. The project team consisted of external digital professionals, each with their own specialism. As part of this project, we set up an A/B test environment with the aim of improving the user experience and thus increasing conversion.

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