Decoding the customer lifecycle: Optimal strategies and technological trends in banking for 2025

This report is breaks down the customer lifecycle into its various stages, from the initial customer acquisition and onboarding process right through to retention and advocacy.

In partnership with

ebankIT

ebankIT is an international company that develops a leading Omnichannel Digital Banking Platform with capabilities to enable Banks and Credit Unions to run lean, run smart and innovate fast, helping their customers to be one step ahead at a fraction of the cost, time and effort.

11/09/2024 Study

Banks have long realized that their success depends on delivering frictionless customer experiences. By leading in customer satisfaction, they can benefit from the ‘stacked wins’ of higher returns, faster growth, and lower costs. At the same time, satisfied customers are more loyal, spend more, and are more likely to recommend their bank to friends.

However, becoming customer-centric in today’s digital landscape is no straightforward task. By definition, customer centricity demands that the customer be at the heart of a bank’s decisions: Every product, service, and experience should be curated to improve satisfaction, loyalty, and advocacy. However, according to McKinsey, companies often fail because they are insufficiently aware of their customers’ real needs and preferences across journeys.

It’s vital, then, that banks improve their understanding of the full customer lifecycle. This report is designed to help. In the following pages, we break down the customer lifecycle into its various stages, from the initial customer acquisition and onboarding process right through to retention and advocacy.

To showcase how best practices and technology can enhance the banking experience across all these stages, we’ve also included insights from our survey of financial institutions across the globe. We’ve then added depth to this survey with interviews with established banking executives. We asked them about their progress in improving the customer experience, the roadblocks they have faced along the way, and where they see the most significant potential in the future. We hope you find it a useful resource.

Key findings

Awareness & Acquisition
Onboarding & Account opening
Daily banking & transaction processes
Customer Relationship Management
Retention and Loyalty Building
Churn management

Study contributors

Andrzej Fűrstenberg
Bank Pekao Director of the Transaction Banking Department
Robin Silfverhielm
SBAB Chief Digital and Information Officer
Burçe Gültekin
Yapi Kredi Digital Marketing and Customer Acquisition Manager
Andrea Zanzottera
Banca Widiba Head of Data Intelligence & CVM
Marian Ignat
Erste Group Head of Group Retail Transformation
Fatih Özdemir
VakifBank Head of IT & Data Management
Tracey Williams
Absa Group Senior Design Director
Radu Topliceanu
Mashreq Executive Vice President, Head of Neo and Personal Banking
Nuno Reis
Millennium BCP IT Director

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