Customer Engagement

3 Brands Crushing Their Customer Experience and What You Can Learn from Them

5 mins read
October 22, 2019
By
Total Expert

Customers aren’t sizing your financial brand up against other banks or credit unions, they’re sizing you up against all other companies. And the competition for great customer experiences is stiff.

Your credit union may not sell everything under the sun, but you’re still competing with online retailers around the globe who have vast resources and hoards of data scientists spinning their clicks into valuable insights. These brands have mastered personalization and they’ve raised the bar for everyone.

The good news is that you don’t need to be funded by Jeff Bezos to deliver a great customer experience – you just have to be open to learning from the masters and applying their lessons to your financial brand. To get you started, here are three of our favorite approaches to creating an excellent, memorable customer experience that come from three major brands:

1. Turn Your Experience into a Club Like Starbucks

There are few success stories as bold as Starbucks Rewards. The coffee giant introduced this program in 2009 and saw incredible growth in use: Active membership was up to 16 million as of December 2018, a healthy 14 percent increase over the prior year.

But how did they get to a place where Starbucks Rewards transactions account for 40 percent  of tender in their company-operated stores? They build a great mobile experience – so good that customers would rather order and pay by app than with cash from their old, leather wallets.

In this push, Starbucks did three brilliant things:

  1. They gamified customers’ orders using a points system that incentivized developing regular purchasing habits and trying new items.
  2. Their app acts as a recommendation generator that introduces customers to products they may not have tried before.
  3. Starbucks uses their app to soft launch new products and give users the sense that they have an exclusive edge on the rest of Starbucks shoppers.

What makes Starbucks Rewards successful is that is makes being loyal fun and rewarding, and it’s accessible in the app, on a desktop or wherever you need their services. Their choice to go omnichannel may not seem all that important, but being both mobile-forward and desktop-friendly, they enable office workers to order a cup of coffee and pay online without taking out their personal phone at their desk. The experience they’ve built demonstrates that they understand their customers’ needs and caters right to them, wherever their customers are in their day.

2. Become a Recommendation Engine Like Amazon

Amazon doesn’t have loyalty at the level of banks yet, but they do have the traffic: 9 out of 10 consumers check a product’s price on Amazon before making a purchase. As the first point-of-contact when a customer needs to know what the best product to buy is, Amazon has established itself as the defacto search tool for getting the best product at the right price.

The good news for financial brands is that Amazon has yet to claim this position when it comes to financial products and services. Your organization can leverage user data to position itself as the resource customers seek out when they need information.

Serve up recommendations that are relevant to your customers every time they have a questions and customers will think of you as the first point-of-contact or resource when their next question arises.

3. Let Customers Live Your Brand Like Capital One

Encourage customers to live your brand by making it a part of their routine. For example, if your credit union is all about supporting your community through financial health, you might redesign your branches to be community-oriented social spaces.

The best example of this actually comes from a financial brand. In 2018, Capital One opened its first Capital One Cafes, where baristas sling coffee at half-price to the brand’s customers and at full-price to folks who are just dropping in for desk space and a hot beverage.

Capital One staffs these locations with customer support representatives and financial advisors, putting their bank’s services in close proximity to busy folks looking for coworking spaces. And this fits in perfectly with the level of customer support their brand promises and delivers: they’re there for you when you need them. In their new Capital One Cafe experience, they’re also there with a cup of coffee and convenience.

The other way Capital One integrates their brand promise into their customer’s daily lives is Eno, an AI app that helps flag suspicious transactions and preempt fraud by monitoring customer accounts. Eno provides customers with peace of mind by sending emails or alerts to help customers address suspicious transactions or extra-generous tips on restaurant bills.

Capital One makes it easy for customers to place their trust in the brand by being accessible and easy to interact with, digitally and in-person.

Use Modern Marketing Techniques to Lead in Your Industry

Modern marketing has changed banking forever, and this is a good thing. From Starbucks’ exceptional rewards program to Amazon’s incredible price comparison machine, big brands are pushing the envelope and showing everyone else what we need to do to lead in our own industries.

It may feel intimidating to realize that you’re competing with Netflix to have the best customer support in town, but this is a good thing. The techniques you borrow from big brands can help you figure out how to incentivize customers to open up a new line of credit or they can lead you to diversify the products available within your brand ecosystem.

Deploy proven marketing tactics to become a leader in your own vertical, and watch your financial brand’s foothold grow.

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Total Expert’s Director of Product Integrations and Innovation, Mike Russell, recently joined Dark Matter Technologies’ Product Evangelist, Craig Rebmann, for an episode of Spotlight Backstage. Their conversation went behind the scenes of the mortgage ecosystem to show how lenders can drive real results by connecting the right people, processes, and technology to create a network of partners and integrations that streamline operations and create better borrower experiences.

From insights on how lenders are optimizing the technology they already use and adopting best practices to finding new ways to improve efficiency without sacrificing service, the key theme was clear: success comes from building a connected ecosystem where your tools talk to each other and your teams have the right support. If you want to see what’s possible when technology and partnerships align, this is the perfect place to start.

Catch the full conversation on Dark Matter Technologies' website >

Unlocking the Mortgage Ecosystem

Lending

Navigating the HPPA Shift: Why It’s a Win for Lenders Who Put Customers First

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Change is the one constant in financial services, but the way we respond to it separates the leaders from the pack. The newly signed Homebuyer Privacy Protection Act (HPPA)—taking effect in March 2026—is a shift in how lenders can access and use consumer credit data. However, while some may view this as another regulatory headache, the reality is far more encouraging: it’s an opportunity to raise the bar on trust, transparency, and customer experience.  It’s another validation of our “Customer for Life” strategy.

This isn’t about dodging restrictions. It’s about recognizing that the playbook for winning customers is evolving—and those who embrace that evolution will come out stronger.

What’s changing?

Under the HPPA, credit bureaus can no longer sell a consumer’s credit file unless the lender meets one of a few narrow conditions:

  • Originated the consumer's current mortgage
  • Service the consumer's current mortgage
  • Obtained clear, documented consent from the consumer
  • As a bank or credit union, maintain an active account for that consumer

There’s even a GAO study on the way, examining how trigger-lead solicitations via text messaging impact consumers—a clear sign regulators are watching the fine line between engagement and harassment.

For lenders who have long relied on trigger leads, this represents a fundamental shift. But for institutions that have invested in building relationships the right way, this is good news.

What this means for lenders

The HPPA shuts the door on spray-and-pray solicitation tactics. But it opens the door wider for lenders who want to compete on trust and relationship strength. Specifically, it creates new opportunities to:

  • Deepen existing customer relationships with proactive, personalized engagement.
  • Capture consent earlier in the journey, before borrowers get lost in a flood of noise.
  • Differentiate in a less crowded, more consumer-friendly marketplace where trust is a true competitive advantage.

The lenders who lean in here will win—not because they shouted the loudest, but because they earned the right to stay connected.

Why this isn’t just another regulatory headache

Consumers have been saying it for years: the barrage of calls, texts, and emails after a mortgage application is exhausting. Some borrowers receive 100+ solicitations within 24 hours. That doesn’t build confidence—it erodes it. And we know this is not how our TE customers run their business.

HPPA represents a rare alignment of regulators, consumer advocates, and lenders themselves. It clears away predatory noise, improves the homebuying experience, and rewards lenders who put relationships at the center of their strategy.

As our Founder & CEO Joe Welu often reminds us, “Trust is the currency of modern financial services.” This law is an accelerant for lenders who understand that principle.

How we're going to help you thrive in a post-HPPA world

We’re not sitting on the sidelines waiting to see how this plays out. Our platform was purpose-built to help lenders engage customers in a way that’s personal, compliant, and built to last. Here’s how we’re making sure you’re ready for March 2026:

  • Proactive guidance: Our mortgage and tech experts are already helping lenders adjust monitoring practices, so they stay compliant without losing momentum.
  • Expand Customer Intelligence: We’re finalizing new capabilities to drive increased awareness and enrichment of your relationships, including expanding CI to all three bureaus, and streamlining our credit improvement alert.
  • Investments in consent: Upgraded features coming soon to capture and respect consumer consent in clear, frictionless ways—including through our ecosystem partnerships.

This isn’t a band-aid or a reaction; it’s an evolution of how modern lenders build sustainable engagement to develop customers for life.

Bottom line: this isn’t a roadblock—it’s an opportunity

Every regulatory change comes with friction. But HPPA isn’t just about compliance—it’s about clarity. It’s about stripping away noise and giving lenders who prioritize relationships a stage to shine.

The lenders who thrive in this new environment won’t be the ones chasing trigger leads. They’ll be the ones investing in trusted, personalized engagement—from first touch through every financial milestone.

And that’s exactly what Total Expert was built to help you do: navigate the shifts, build lifelong trust, and continue winning customers for life.

AI

Authenticity at Scale: Using AI to Deliver Genuine Customer Experiences

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AI has surged from curious novelty to critical business driver faster than any other technology in the digital age. With AI capabilities evolving faster than most financial institutions (FIs) and marketing teams can train for, it’s easy to understand how leveraging AI tools and enterprise solutions effectively can become a frustrating experience for both leadership and marketing pros.

While every organization’s challenges are unique, one common thread is that most FIs lack a clearly defined strategy or framework for selecting, implementing, and using their AI solutions.

Here are three foundational elements to help marketing leaders accelerate AI-enabled customer engagement without losing control of authentic, on-brand customer experiences.

Focus on using AI to scale—not replace—your team

The AI revolution arrives with ironic timing for FIs: We’ve spent the last decade talking about how to bring back the human touch in a digital-first world. On the surface, it’s easy to think that AI will push us in the opposite direction—breeding more generic, cold, impersonal experiences.

But like other tech tools, the most immediate and significant value will come in using AI as a tool to scale your team’s capabilities. What does that look like in practice?

  • Automating or offloading the tedious and repetitive work your team does: Think about AI agents cold-calling for lead gen, doing time-consuming data analysis, or handling the orchestration of complicated, multi-touch, multi-channel, anything-but-linear customer journeys.
  • Unlocking deeper insights, faster: AI can dive into your customer data to find new kinds of intent signals in real time. Imagine identifying those key periods of transition or change in peoples’ lives—graduating, getting married, starting a family, changing careers, retiring—so your team can show up for customers at these critical moments.
  • Freeing up more time for human connections: At the simplest level, AI applied well will allow your team to do more with less—and that will give them more time to focus on where and how to provide that human touch and make those genuine one-to-one engagements. This is what we’ve been doing at Total Expert for more than a decade now through better analytics and smarter automation. AI just turbocharges everything.

Choose the right AI—and connect it to your core systems

Not even three years after ChatGPT opened this AI era, there are thousands of AI tools on the market—including hundreds of marketing-specific AI solutions. Don’t be fooled by the “they’re all the same under the hood” line—the packaging is critical to the usability and time-to-value with these tools, especially when it comes to delivering authentic experiences.

It’s really a classic Goldilocks problem: On one side of the spectrum, the big-name generalist AI platforms that claim to do everything produce generic experiences for your customers. They’re not built for the highly regulated, highly sensitive kinds of engagement and conversations that FIs have with their customers. Plus, it takes a lot of work—and time and money—to get them to work like you need them to.

On the other side of the spectrum are hyper-specialized AI apps built to do one very specific task right out of the box—but lacking the broader capabilities to connect with your core systems and orchestrate entire experiences. This kind of extremely focused functionality ends up creating maddening experiences for customers when they hit the limitations of the tools’ knowledge and capabilities. FIs need AI tools built with enterprise-grade, enterprise-wide capabilities—able to tie into your marketing system of record so they can see and orchestrate the full customer journey.

If you can solve that Goldilocks problem — finding an AI solution built for financial services and connecting it at the core of your CX — you can realize the full efficiencies and, more importantly, deliver a more genuine, helpful, brand-authentic experience.

Give your AI the inputs that set it up for success

Using GenAI to create content — copy, design, video, etc. — really can feel like magic. But the reality is that it’s inherently derivative. In other words, the outputs are only as good as the inputs — like the classic analytics adage: garbage in, garbage out.

If you want to maintain brand authenticity, create reliably compliant outputs, and deliver consistent experiences that feel seamless for your customers, you need to help the AI fully understands your brand, your engagement strategy, and your acute and big-picture objectives.

Best practices for prompt engineering is an article—or an entire book—in itself. But the point is, as incredible as AI is, it’s still a tool — and a tool requires a skilled, intentional user. Cultivating these skills also takes intention. Workers in any role can feel naturally hesitant to be open about their AI use and experimentation; they don’t want to risk looking lazy or replaceable. But to move forward effectively with AI, FIs need to build a culture that encourages that experimentation and sharing of new use cases and best practices.

AI as an engine for authenticity

There’s little doubt that AI will lead to a surge in impersonal, generic banking experiences. That’s not a condemnation of AI; it will be the result of FIs using generic AI tools and generic AI strategies.

That also means that genuine, personalized experiences will become even more differentiated in this incredibly competitive industry. The key is to focus on how to use AI to amplify what we’ve always strived to do in this industry: make real connections and build authentic relationships based on trust.

By focusing on these three principles — using AI to help your team focus on scaling human connections, choosing the right tool and integrating it deeply, and giving your AI the best possible inputs — you’re building a strategy that makes AI an engine for authenticity. The reward isn't just increased efficiency; it's the ability to deliver authentic, brand-consistent experiences at a scale never before possible.

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