Sales Productivity

Recruiting and Retention: Fifty-Eight Percent of Employees Say Technology Factors into Their Decision To Take a Job

5 mins read
January 3, 2019
By
Total Expert

Salespeople today must use technology to interact with branded content and generate a steady stream of leads. But too often, they are forced into using outdated, disconnected technology solutions to access and share this content, making them less productive and less satisfied at work.

According to a recent Harvard Business Review Analytic Services report, 51 percent of respondents say outdated and inadequate office technology impedes their ability to retain employees with high-value skills and experience. What’s more, 58 percent of respondents say an organizations’ technology offerings factor into a candidate’s decision to take a position.

Today’s employees have grown impatient with slow, outdated technology.

Here are three core functionalities your top performers expect from their technology – and their employers – as they move into the future:

Humanize the Digital Customer Experience

Despite the rapid pace of technological innovation, people still want to do business with people not machines. According to PwC, 82 percent of U.S. consumers will want more human interaction throughout the customer journey – not less. Best-of-breed technology solutions can help salespeople appeal to their consumers’ emotions in an authentic way to foster loyalty and build customers for life.

Although great customer experience begins with humans, best-of-breed technology solutions can actually help salespeople be even more human during the process of completing complex financial transactions. From the products and services your salespeople offer to when and how they choose to send marketing messages, the right technology solutions allow salespeople to do more of what they excel at: building and nurturing relationships, displaying empathy and making sense of complex information.

Personal Branding Within the Enterprise at a Local Level

Personal branding – it’s how your salespeople present themselves online (and off) to prospects and customers. And it’s possible to put personal brands to work for the entire organization.

From a corporate perspective, the benefits of having your salespeople help build your corporate brand are very clear. Strong brands win, outperforming their less recognizable competitors by as much as 73 percent according to McKinsey research. Meanwhile, your salespeople – in industries such as banking, wealth management and mortgage more than most – live and die by their personal brand.

So, invest in your top talent and provide them with premium content libraries built for intelligent automation. Find ways to help them deliver the right message to the right person at the right time on the right channel to increase their reputation among prospects and customers. Lastly, consider providing corporate-approved templates, so salespeople can educate prospects, build online authority and create an ongoing communication loop that generates customer loyalty without sacrificing your organization’s corporate image.

With the right technology solutions, your salespeople will be empowered to build and apply their personal brands to the corporate mission. The increased satisfaction and productivity you’ll see from your salespeople will not only increase the bottom line, it will foster greater employee retention.

Scalable Business Growth

Scaling a business is about doing more – increasing revenue – with less, or at the very least without adding additional resources to the mix. In addition to the manual, highly repeatable activities that can – and should – be automated, organizations also need increasingly sophisticated processes and technology to cope with the increasing number of consumer touchpoints along the customer journey.

Current AI technology can boost business productivity by up to 37 percent. As our Chief Customer Officer Sue Woodard says, “Technology won’t replace salespeople, but salespeople who use technology will replace those that don’t.” As an organization, it’s your job to reinforce the role of people to drive growth while leveraging technology to do it at scale.

Conclusion

Business and technology are intertwined. You can’t expect stellar results from your salespeople if your technology doesn’t address their needs and wants.

It’s your job to empower the people who are closest to your consumers with the right solutions, so they can deliver on all of the most meaningful aspects of the customer experience: speed, relevance, consistency and hyper-personalization. Further, addressing the needs of your top talent shows you are dedicated to their success, work-life balance and professional development.

And that’s a recipe for attracting top talent.

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Joe also explains why the human element remains central to homeownership, and how AI is designed not to replace loan officers, but to free them up for more meaningful conversations that strengthen customer trust and drive long-term loyalty.

Catch the conversation to hear how AI is revolutionizing lending and why Joe believes those who embrace it will be tomorrow’s market leaders.

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Total Expert Founder & CEO Joe Welu recently joined Robbie Chrisman for an episode of the Daily Mortgage News podcast where they discussed the current (and future) state of the mortgage industry, challenges facing lenders and loan officers, and the solutions that AI-enabled tools can provide in difficult markets.

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By Pete Karns, Chief Product Officer, Total Expert

AI is no longer a future state—it’s already here, embedded in everything from ride-sharing apps and food service to factories and farms. In the world of financial services, though, this ubiquity comes with pressure to integrate AI fast, appear innovative, and keep up with competitors—all while being mindful of evolving federal and state compliance requirements. Moving fast without a plan or awareness of up and downstream implications often leads to AI-enabled solutions that either underdeliver or don’t deliver at all.

At Total Expert, we’ve taken a different path: thoughtful integration over flashy announcements. As more financial institutions wrestle with what “real AI adoption” should look like, here’s what we’ve learned and what lenders need to consider to get it right.

Where enterprise AI goes wrong

Too many financial services leaders have experienced what I call “AI failure to launch (and scale).” They’ve rushed to try unintegrated AI-enable offerings and bolt on AI tools—often generalist chatbots, white-labeled versions of generative tools, and/or hooking up to MCP servers—without a clear sense of how these tools will solve their business problems or add potential risk. The result? The occasional value-add result. However, what we see more is poor user adoption, wasted spend, and limited impact.

This is the same trap we saw with “digital transformation” a decade ago, or the original horizontal SaaS applications that evolved or were replaced by vertical-specific solutions. AI-enabled solutions offer tremendous, generational promise but they risk becoming vanity-first, value-later tools. We are focused on the former.

AI that thinks and adapts: Welcome to agentic AI

Let’s make one thing clear: not all AI is created equal.  

Chatbots have been commonplace in financial services for a decade now, but remain rigid, rule-based tools that handle repetitive tasks.  I’ve worked with “AI” services for more than 15 years and each had their own place and potential when used properly. Herein lies the opportunity. Modern lenders that are focused on retaining and growing their customers in an ultra-competitive market need something more dynamic. Enter AI agents that can understand context, adapt on the fly, and speak in a human-like way. These agents are coachable, brand-aware, and learn from every interaction. They don’t follow scripts—they think in real time. And when built correctly, they become a seamless part of your customer experience.

This is the evolution from AI as a support function to AI as a trusted team member.

Total Expert recently launched an AI Sales Assistant that puts this principle into action. It functions as a scalable, intelligent teammate—able to engage leads, deliver personalized conversations, and identify high-potential opportunities—all while staying aligned with your brand voice and compliance requirements. It’s not a chatbot bolted onto a CRM—it’s a fully integrated AI-enabled solution, utilizing data, embedding within workflow orchestration, and playing nice with application logic because it has the necessary context to work within your lending ecosystem.

The real “why” behind AI adoption

Before choosing any AI solution, or any technology solution, financial services firms must ask themselves: What business problem are we solving?

For example, when mortgage rates dropped for a few weeks in September 2024, our customer intelligence capabilities identified nearly $2 billion in immediate refinance opportunities. But no team of loan officers could scale quickly enough to reach every qualified lead. That’s where AI tools prove invaluable—automating first-touch outreach at scale, surfacing the best opportunities, and empowering human teams to scale up execution to drive retention and growth.

Why embedded beats bolted-on

The types of AI-enabled solutions we are talking about can’t function effectively in isolation. Without access to timely and accurate customer data, and invoked within a specific workflow process, it can’t personalize interactions, anticipate needs, or drive conversions at the right time.

Picture an AI assistant offering a refinance to a customer, only to stall when asked for more details. If it doesn’t know the customer’s current rate or financial profile, the experience feels hollow. That’s not just ineffective—it damages trust.

By contrast, when AI-enabled solutions are embedded within a unified customer experience platform like Total Expert, it draws on a 360-degree view of the customer. It knows the data, understands the history, and delivers contextually rich conversations that convert.

This is why we’re designing our AI capabilities with a focus on the unique needs of financial services organizations. The same purpose-built approach has earned the Total Expert platform its unmatched reputation for usability and time to value.

Generalist AI offerings can be a gamble that increase costs—and time to value

Implementing AI that’s not purpose-built for financial services introduces two major risks:

1. Usability failure: Your team must spend months customizing and configuring a generalist AI tool to make it work for your specific needs—if it will ever work at all. For example, imagine you’re a loan officer and one of your referral partners introduces you to a borrower. Now, you have to choose the best way to approach the first conversation with this borrower. There are countless permutations of questions and answers which all require deep personalization, compliance awareness, and consistent representation of the sales processes and brand tone of the lender. Generalist AIs will quickly reach their limitations in these complex use cases.

An industry-focused AI offering will be trained on this specific use case and provided with the context needed to hold a dynamic conversation with the borrower. This type of AI learns and adapts with each interaction, performing the most time-consuming tasks so you don’t have to.    

2. Compliance risk: Without built-in industry guardrails, you’re gambling with regulatory violations and brand safety.  As we know, the compliance landscape for financial services is broad and evolving at the federal and state level.  Look for AI offerings that are regulatory aware and enable you to configure them based on your organization’s risk tolerance and interpretations.

Lenders don’t need more tools—they need the right tools—ones that work out of the box, understand industry nuances, and deliver immediate, compliant value.

Ask these questions before you commit to an AI offering  

To maximize the probability of success, here’s a quick checklist for vetting solutions:

  • Can it solve a real, high-value business problem, and how? Review specific examples and ask to speak with other organizations that have implemented the tool.
  • Does it function as a true AI agent, not a static bot?
  • Can it be deeply integrated into your core system(s), workflow orchestration, and data?
  • Does it include financial industry compliance and brand guardrails?
  • Can it scale without sacrificing quality or regulatory integrity?

Building the future with purpose-built AI

Total Expert has always designed technology with financial services in mind, and our approach to utilizing AI is no different. We’re not chasing hype. We’re solving problems.

Our focus on AI isn’t simply building standalone features—it’s about embedded, intelligent, and deeply integrated AI solutions. It’s helping lenders scale smarter, engage more meaningfully, and turn data into action. Our AI Sales Assistant is just the beginning—an example of how purpose-built, AI-enabled solutions can solve real problems and deliver tangible value. We are already testing and exploring other AI-enabled solutions and I could not be more excited about the current and potential value our clients and our market will achieve.

Because when AI works, it’s not just impressive—it’s indispensable.

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