{"id":4371261,"date":"2024-07-12T17:31:01","date_gmt":"2024-07-12T15:31:01","guid":{"rendered":"https:\/\/www.deptagency.com\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/"},"modified":"2025-12-08T13:36:19","modified_gmt":"2025-12-08T11:36:19","slug":"the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation","status":"publish","type":"article","link":"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/","title":{"rendered":"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0"},"content":{"rendered":"<div class=\"block-article-post-header js-block-article-post-header block-article-post-header__theme--onyxGrey\">\n\t<button\tclass=\"cta-button block-article-post-header__back-button cta-button__color--white cta-button__style--back\" aria-label=\"Back\" >\n\t<svg width='41' height='41' viewBox='0 0 41 41' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'><circle cx='20.5' cy='20.5' r='19.5' transform='rotate(-90 20.5 20.5)' stroke='var(--dept-button-icon-outline-color)' stroke-width='1.3' stroke-miterlimit='10' fill='none'\/><circle class='icon-backplate' cx='20.5' cy='20.5' r='19.5' transform='rotate(-90 20.5 20.5)' fill='var(--dept-button-icon-backplate-color)' fill-opacity='1'\/><path class='icon-center' d='M21.174 30 11 20.674l10.174-9.326m-9.326 9.328H30.5' stroke='var(--dept-button-icon-color)' stroke-width='1.3' stroke-miterlimit='10' fill='none'\/><\/svg>\n\t\t\t<span>\n\t\t\tBack to all articles\t\t<\/span>\n\t\n<\/button><h1\t\tclass=\"typography block-article-post-header__title typography__color--white typography__size--h2 typography__align--left\"\n\t\t\t>\n\t\tThe next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\t<\/h1><div\n\t\tclass=\"image-wrap block-article-post-header__image-wrap\"\n\t\tdata-align=\"center center\"\n\t\t\t>\n\n\t\t\t<picture\n\t\tclass=\"image__picture\"\n\t\t\t\t>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.deptagency.com\/wp-content\/uploads\/2024\/07\/frictionless-cx-in-banking.jpg\"\n\t\t\t\tclass=\"image block-article-post-header__image\"\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\/>\n\t\t<\/picture>\n\t\n\t<\/div><div class=\"author block-article-post-header__author\" data-animation=\"slide-fade\">\n\t\t\t<img\n\t\t\tclass=\"author__portrait\"\n\t\t\tsrc=\"https:\/\/www.deptagency.com\/wp-content\/uploads\/2023\/11\/Yash-Mody-150x150.jpeg\"\n\t\t\talt=\"Yash Mody\"\n\t\t\/>\n\t\n\t<div class=\"author__text\">\n\t\tYash Mody\t\t<br \/>\n\t\tCTO &#8211; APAC &amp; DEPT\u00ae Adobe Practice\n\t\t\t<\/div>\n<\/div>\n\t<div class=\"block-article-post-header__meta\">\n\t\t\t\t\t\t\t<div class=\"block-article-post-header__meta-date\">\n\t\t\t\t<div class=\"block-article-post-header__date-description\">\n\t\t\t\t\tDate\t\t\t\t<\/div>\n\t\t\t\t<div class=\"block-article-post-header__published-date\">\n\t\t\t\t\t12 July 2024\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div>\n\n<div class=\"block-title-and-content js-block-title-and-content block-title-and-content__theme--white\">\n\t<div class=\"block-title-and-content__layout\">\n\t\t<h2\t\tclass=\"typography block-title-and-content__title typography__color--onyxGrey typography__size--h2 typography__align--left\"\n\t\tdata-size-mobile=\"h2\" \t>\n\t\tOver the past decade&#8230;\t<\/h2>\n\t\t\t\t\t<div class=\"block-title-and-content__content\">\n\t\t\t\t\n<div class='block-title-and-content__item'><div class='block-title-and-content__item-inner'><p\t\tclass=\"typography block-typography__typography typography__color--onyxGrey typography__size--regular-body typography__align--left\"\n\t\t\t>\n\t\tBrands in all industries have obsessed with creating frictionless digital experiences. This is especially true for banking.\u00a0<br><br>The idea of a frictionless experience began with simple optimization techniques and exceptional UI. But as benchmarks are repeatedly set and met, banks must take the next step toward frictionless experiences\u2014beyond a pretty interface.\u00a0<br><br>The next wave of frictionless banking is focused on \u201cHow do you make banking feel so integrated into the customer experience that users no longer recognize they\u2019re working with a bank?\u201d\u00a0<br><br>The future of the banking experience involves integrating financial institutions into people\u2019s everyday lives. It\u2019s no longer enough to be perceived as a secure institution to store money. For banks to succeed in the future, customers must see them as personalized advisers, helping them maximize time and money while reaching individual goals.\u00a0<br><br>While this sounds challenging at face value, organizations can take incremental steps to move toward this new frictionless era.<br>\t<\/p><\/div><\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\n\t<div class=\"block-title-and-content__social-links\">\n\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"copy\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Copy page link\"\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tdata-tooltip=\"true\"\n\t\t\t\t\tdata-tooltip-text=\"Link copied to clipboard.\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg' width='22' height='22' viewBox='0 0 22 22'><path d='M6.832 15.167l8.333-8.333M9.332 6.001l2.787-2.787a4.715 4.715 0 016.666 0v0a4.715 4.715 0 010 6.667L16 12.668M5.999 9.334l-2.787 2.787a4.715 4.715 0 000 6.666v0a4.715 4.715 0 006.667 0l2.787-2.786' stroke='currentColor' stroke-width='2'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"facebook\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Facebook\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg width='14' height='22' viewBox='0 0 14 22' fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg'><path d='M4.032 22L4 12H0V8h4V5.5C4 1.789 6.298 0 9.61 0c1.585 0 2.948.118 3.345.17v3.88H10.66c-1.8 0-2.15.856-2.15 2.112V8h5.241l-2 4H8.51v10H4.032z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/api.whatsapp.com\/send?text=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"whatsapp\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Whatsapp\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg xmlns='http: \/\/www.w3.org\/2000\/svg' width='25' height='24' viewBox='0 0 25 24'><path d='M.805 24l1.687-6.163a11.869 11.869 0 01-1.588-5.945C.907 5.335 6.244 0 12.801 0c3.182.001 6.17 1.24 8.415 3.488a11.819 11.819 0 013.481 8.413c-.002 6.558-5.34 11.893-11.896 11.893h-.005c-1.99-.001-3.947-.5-5.685-1.448L.805 24zm6.598-3.807l.361.214a9.874 9.874 0 005.033 1.378h.004c5.45 0 9.885-4.434 9.888-9.885a9.824 9.824 0 00-2.894-6.993 9.823 9.823 0 00-6.99-2.898c-5.454 0-9.89 4.434-9.892 9.884a9.86 9.86 0 001.512 5.26l.235.374-.999 3.648 3.742-.982z' fill='currentColor'\/><path d='M9.825 6.921c-.24-.58-.486-.501-.668-.51-.174-.009-.372-.01-.57-.01-.198 0-.52.074-.793.371-.272.298-1.04 1.017-1.04 2.48 0 1.462 1.065 2.875 1.214 3.073.148.199 2.096 3.2 5.078 4.487.709.306 1.262.49 1.694.626.712.226 1.36.194 1.872.118.571-.085 1.759-.72 2.007-1.413.247-.694.247-1.29.173-1.413-.074-.124-.272-.199-.57-.347-.297-.149-1.758-.868-2.03-.967-.273-.1-.471-.149-.67.149-.198.297-.767.966-.94 1.165-.174.198-.348.223-.645.074-.297-.149-1.255-.462-2.39-1.475-.884-.788-1.48-1.76-1.654-2.058-.173-.298-.018-.459.13-.607.134-.133.298-.347.446-.52.149-.174.199-.298.298-.496.099-.198.05-.372-.025-.52-.074-.15-.669-1.612-.917-2.207z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F&#038;text=The%20next%20stage%20of%20frictionless%20banking%20experiences:%20Aspiration%20&#038;%20personalisation\u00a0\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"twitter\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Twitter\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg width='25' height='20' viewBox='0 0 25 20' fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg'><path d='M24.75 2.3c-.9.4-1.8.7-2.8.8 1-.6 1.8-1.6 2.2-2.7-1 .6-2 1-3.1 1.2-.9-1-2.2-1.6-3.6-1.6-2.7 0-4.9 2.2-4.9 4.9 0 .4 0 .8.1 1.1-4.2-.2-7.8-2.2-10.2-5.2-.5.8-.7 1.6-.7 2.5 0 1.7.9 3.2 2.2 4.1-.8 0-1.6-.2-2.2-.6v.1c0 2.4 1.7 4.4 3.9 4.8-.4.1-.8.2-1.3.2-.3 0-.6 0-.9-.1.6 2 2.4 3.4 4.6 3.4-1.7 1.3-3.8 2.1-6.1 2.1-.4 0-.8 0-1.2-.1 2.2 1.4 4.8 2.2 7.5 2.2 9.1 0 14-7.5 14-14v-.6c1-.7 1.8-1.6 2.5-2.5z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"http:\/\/www.linkedin.com\/shareArticle?mini=true&#038;url=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"linkedin\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Linkedin\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg width='19' height='18' viewBox='0 0 19 18' fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg'><path d='M1.15 17.3h3.6V5.8h-3.6v11.5zM.75 2.1c0 1.2 1 2.1 2.1 2.1 1.2 0 2.1-.9 2.1-2.1 0-1.2-1-2.1-2.1-2.1-1.2 0-2.1 1-2.1 2.1zM14.45 17.3h3.6v-6.2c0-3.1-.7-5.5-4.3-5.5-1.8 0-2.9.9-3.4 1.8V5.8h-3.4v11.5h3.6v-5.7c0-1.5.2-2.9 2.1-2.9 1.8 0 1.8 1.7 1.8 3v5.6z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t<\/div>\n<\/div>\n\n<div\n\t\tclass=\"image-wrap block-image__image-wrap\"\n\t\tdata-align=\"center center\"\n\t\t\t>\n\n\t\t\t<picture\n\t\tclass=\"image__picture\"\n\t\t\t\t>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.deptagency.com\/wp-content\/uploads\/2024\/07\/connected-concept-2-1.jpg\"\n\t\t\t\tclass=\"image block-image__image\"\n\n\t\t\t\t\t\t\t\talt=\"connected concept \"\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\/>\n\t\t<\/picture>\n\t\n\t<\/div>\n\n<div class=\"block-title-and-content js-block-title-and-content block-title-and-content__theme--white\">\n\t<div class=\"block-title-and-content__layout\">\n\t\t<h2\t\tclass=\"typography block-title-and-content__title typography__color--onyxGrey typography__size--h2 typography__align--left\"\n\t\tdata-size-mobile=\"h2\" \t>\n\t\tAnalyzing friction\u00a0\u00a0\t<\/h2>\n\t\t\t\t\t<div class=\"block-title-and-content__content\">\n\t\t\t\t\n<div class='block-title-and-content__item'><div class='block-title-and-content__item-inner'><p\t\tclass=\"typography block-typography__typography typography__color--onyxGrey typography__size--regular-body typography__align--left\"\n\t\t\t>\n\t\tEvery bank should participate in a recurring<strong> friction analysis<\/strong>, a workshop where you define friction touchpoints and explore how you might mitigate them.<br><br>This involves identifying pain points, bottlenecks, and areas of customer dissatisfaction across all your touchpoints\u2014mobile apps, websites, physical branches, and even social channels. Bring user feedback, analytics, and customer journey mapping into it so you can understand the specific areas that need improvement.<br><br>During the friction analysis, focus on streamlining processes, simplifying user interfaces, and optimizing the overall user experience. This probably involves reducing the steps required to complete transactions, eliminating unnecessary documentation, and improving self-service.\u00a0<br><br>For example, customer handoff is a common moment of friction. If users open a new account at their local bank, they\u2019ll probably access an app within a few hours. Can they log in to their new account with ease, or must they navigate a complicated process?\u00a0<br><br>This kind of scenario mapping can help you find moments of friction and start to prioritize.\u00a0\t<\/p><\/div><\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\n\t<div class=\"block-title-and-content__social-links\">\n\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"copy\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Copy page link\"\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tdata-tooltip=\"true\"\n\t\t\t\t\tdata-tooltip-text=\"Link copied to clipboard.\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg' width='22' height='22' viewBox='0 0 22 22'><path d='M6.832 15.167l8.333-8.333M9.332 6.001l2.787-2.787a4.715 4.715 0 016.666 0v0a4.715 4.715 0 010 6.667L16 12.668M5.999 9.334l-2.787 2.787a4.715 4.715 0 000 6.666v0a4.715 4.715 0 006.667 0l2.787-2.786' stroke='currentColor' stroke-width='2'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"facebook\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Facebook\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg width='14' height='22' viewBox='0 0 14 22' fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg'><path d='M4.032 22L4 12H0V8h4V5.5C4 1.789 6.298 0 9.61 0c1.585 0 2.948.118 3.345.17v3.88H10.66c-1.8 0-2.15.856-2.15 2.112V8h5.241l-2 4H8.51v10H4.032z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/api.whatsapp.com\/send?text=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"whatsapp\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Whatsapp\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg xmlns='http: \/\/www.w3.org\/2000\/svg' width='25' height='24' viewBox='0 0 25 24'><path d='M.805 24l1.687-6.163a11.869 11.869 0 01-1.588-5.945C.907 5.335 6.244 0 12.801 0c3.182.001 6.17 1.24 8.415 3.488a11.819 11.819 0 013.481 8.413c-.002 6.558-5.34 11.893-11.896 11.893h-.005c-1.99-.001-3.947-.5-5.685-1.448L.805 24zm6.598-3.807l.361.214a9.874 9.874 0 005.033 1.378h.004c5.45 0 9.885-4.434 9.888-9.885a9.824 9.824 0 00-2.894-6.993 9.823 9.823 0 00-6.99-2.898c-5.454 0-9.89 4.434-9.892 9.884a9.86 9.86 0 001.512 5.26l.235.374-.999 3.648 3.742-.982z' fill='currentColor'\/><path d='M9.825 6.921c-.24-.58-.486-.501-.668-.51-.174-.009-.372-.01-.57-.01-.198 0-.52.074-.793.371-.272.298-1.04 1.017-1.04 2.48 0 1.462 1.065 2.875 1.214 3.073.148.199 2.096 3.2 5.078 4.487.709.306 1.262.49 1.694.626.712.226 1.36.194 1.872.118.571-.085 1.759-.72 2.007-1.413.247-.694.247-1.29.173-1.413-.074-.124-.272-.199-.57-.347-.297-.149-1.758-.868-2.03-.967-.273-.1-.471-.149-.67.149-.198.297-.767.966-.94 1.165-.174.198-.348.223-.645.074-.297-.149-1.255-.462-2.39-1.475-.884-.788-1.48-1.76-1.654-2.058-.173-.298-.018-.459.13-.607.134-.133.298-.347.446-.52.149-.174.199-.298.298-.496.099-.198.05-.372-.025-.52-.074-.15-.669-1.612-.917-2.207z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F&#038;text=The%20next%20stage%20of%20frictionless%20banking%20experiences:%20Aspiration%20&#038;%20personalisation\u00a0\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"twitter\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Twitter\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg width='25' height='20' viewBox='0 0 25 20' fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg'><path d='M24.75 2.3c-.9.4-1.8.7-2.8.8 1-.6 1.8-1.6 2.2-2.7-1 .6-2 1-3.1 1.2-.9-1-2.2-1.6-3.6-1.6-2.7 0-4.9 2.2-4.9 4.9 0 .4 0 .8.1 1.1-4.2-.2-7.8-2.2-10.2-5.2-.5.8-.7 1.6-.7 2.5 0 1.7.9 3.2 2.2 4.1-.8 0-1.6-.2-2.2-.6v.1c0 2.4 1.7 4.4 3.9 4.8-.4.1-.8.2-1.3.2-.3 0-.6 0-.9-.1.6 2 2.4 3.4 4.6 3.4-1.7 1.3-3.8 2.1-6.1 2.1-.4 0-.8 0-1.2-.1 2.2 1.4 4.8 2.2 7.5 2.2 9.1 0 14-7.5 14-14v-.6c1-.7 1.8-1.6 2.5-2.5z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"http:\/\/www.linkedin.com\/shareArticle?mini=true&#038;url=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"linkedin\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Linkedin\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg width='19' height='18' viewBox='0 0 19 18' fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg'><path d='M1.15 17.3h3.6V5.8h-3.6v11.5zM.75 2.1c0 1.2 1 2.1 2.1 2.1 1.2 0 2.1-.9 2.1-2.1 0-1.2-1-2.1-2.1-2.1-1.2 0-2.1 1-2.1 2.1zM14.45 17.3h3.6v-6.2c0-3.1-.7-5.5-4.3-5.5-1.8 0-2.9.9-3.4 1.8V5.8h-3.4v11.5h3.6v-5.7c0-1.5.2-2.9 2.1-2.9 1.8 0 1.8 1.7 1.8 3v5.6z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t<\/div>\n<\/div>\n\n<div\n\t\tclass=\"image-wrap block-image__image-wrap\"\n\t\tdata-align=\"center center\"\n\t\t\t>\n\n\t\t\t<picture\n\t\tclass=\"image__picture\"\n\t\t\t\t>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.deptagency.com\/wp-content\/uploads\/2024\/07\/connected-concept-1.jpg\"\n\t\t\t\tclass=\"image block-image__image\"\n\n\t\t\t\t\t\t\t\talt=\"connected ecosystem \"\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\/>\n\t\t<\/picture>\n\t\n\t<\/div>\n\n<div class=\"block-title-and-content js-block-title-and-content block-title-and-content__theme--white\">\n\t<div class=\"block-title-and-content__layout\">\n\t\t<h2\t\tclass=\"typography block-title-and-content__title typography__color--onyxGrey typography__size--h2 typography__align--left\"\n\t\tdata-size-mobile=\"h2\" \t>\n\t\tCreating a frictionless ecosystem \t<\/h2>\n\t\t\t\t\t<div class=\"block-title-and-content__content\">\n\t\t\t\t\n<div class='block-title-and-content__item'><div class='block-title-and-content__item-inner'><p\t\tclass=\"typography block-typography__typography typography__color--onyxGrey typography__size--regular-body typography__align--left\"\n\t\t\t>\n\t\tOnce you\u2019ve identified your areas of friction, you must take steps toward a connected ecosystem that integrates digital and non-digital channels. That means customers should be able to start a transaction on their mobile app, continue it on the website, and complete it at a physical branch without any disruption or loss of information.\u00a0<br><br>To accomplish this, you\u2019ll need technologies that enable real-time data synchronization and seamless integration between channels, including robust backend systems, APIs, data management capabilities, and, most likely, a customer data platform (CDP).\u00a0<br><br>A CDP allows you to collect, unify, and activate customer data from various sources in real time. Any interaction or transaction initiated on one channel is immediately reflected on other channels, eliminating the need for users to repeat information or start over when switching between channels.\u00a0<br><br><strong>For example, if a customer starts a mortgage application on your website but doesn&#8217;t complete it, you can send a reminder via your banking mobile app.\u00a0<br><\/strong><br>For non-CDP organizations, there are some scrappy but efficient alternatives. One is the common QR code, which can direct users to a specific URL on your website. Another might be creating a cookie and sending it linked via What\u2019s App.\u00a0\t<\/p><\/div><\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\n\t<div class=\"block-title-and-content__social-links\">\n\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"copy\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Copy page link\"\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tdata-tooltip=\"true\"\n\t\t\t\t\tdata-tooltip-text=\"Link copied to clipboard.\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg' width='22' height='22' viewBox='0 0 22 22'><path d='M6.832 15.167l8.333-8.333M9.332 6.001l2.787-2.787a4.715 4.715 0 016.666 0v0a4.715 4.715 0 010 6.667L16 12.668M5.999 9.334l-2.787 2.787a4.715 4.715 0 000 6.666v0a4.715 4.715 0 006.667 0l2.787-2.786' stroke='currentColor' stroke-width='2'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"facebook\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Facebook\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg width='14' height='22' viewBox='0 0 14 22' fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg'><path d='M4.032 22L4 12H0V8h4V5.5C4 1.789 6.298 0 9.61 0c1.585 0 2.948.118 3.345.17v3.88H10.66c-1.8 0-2.15.856-2.15 2.112V8h5.241l-2 4H8.51v10H4.032z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/api.whatsapp.com\/send?text=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"whatsapp\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Whatsapp\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg xmlns='http: \/\/www.w3.org\/2000\/svg' width='25' height='24' viewBox='0 0 25 24'><path d='M.805 24l1.687-6.163a11.869 11.869 0 01-1.588-5.945C.907 5.335 6.244 0 12.801 0c3.182.001 6.17 1.24 8.415 3.488a11.819 11.819 0 013.481 8.413c-.002 6.558-5.34 11.893-11.896 11.893h-.005c-1.99-.001-3.947-.5-5.685-1.448L.805 24zm6.598-3.807l.361.214a9.874 9.874 0 005.033 1.378h.004c5.45 0 9.885-4.434 9.888-9.885a9.824 9.824 0 00-2.894-6.993 9.823 9.823 0 00-6.99-2.898c-5.454 0-9.89 4.434-9.892 9.884a9.86 9.86 0 001.512 5.26l.235.374-.999 3.648 3.742-.982z' fill='currentColor'\/><path d='M9.825 6.921c-.24-.58-.486-.501-.668-.51-.174-.009-.372-.01-.57-.01-.198 0-.52.074-.793.371-.272.298-1.04 1.017-1.04 2.48 0 1.462 1.065 2.875 1.214 3.073.148.199 2.096 3.2 5.078 4.487.709.306 1.262.49 1.694.626.712.226 1.36.194 1.872.118.571-.085 1.759-.72 2.007-1.413.247-.694.247-1.29.173-1.413-.074-.124-.272-.199-.57-.347-.297-.149-1.758-.868-2.03-.967-.273-.1-.471-.149-.67.149-.198.297-.767.966-.94 1.165-.174.198-.348.223-.645.074-.297-.149-1.255-.462-2.39-1.475-.884-.788-1.48-1.76-1.654-2.058-.173-.298-.018-.459.13-.607.134-.133.298-.347.446-.52.149-.174.199-.298.298-.496.099-.198.05-.372-.025-.52-.074-.15-.669-1.612-.917-2.207z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F&#038;text=The%20next%20stage%20of%20frictionless%20banking%20experiences:%20Aspiration%20&#038;%20personalisation\u00a0\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"twitter\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Twitter\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg width='25' height='20' viewBox='0 0 25 20' fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg'><path d='M24.75 2.3c-.9.4-1.8.7-2.8.8 1-.6 1.8-1.6 2.2-2.7-1 .6-2 1-3.1 1.2-.9-1-2.2-1.6-3.6-1.6-2.7 0-4.9 2.2-4.9 4.9 0 .4 0 .8.1 1.1-4.2-.2-7.8-2.2-10.2-5.2-.5.8-.7 1.6-.7 2.5 0 1.7.9 3.2 2.2 4.1-.8 0-1.6-.2-2.2-.6v.1c0 2.4 1.7 4.4 3.9 4.8-.4.1-.8.2-1.3.2-.3 0-.6 0-.9-.1.6 2 2.4 3.4 4.6 3.4-1.7 1.3-3.8 2.1-6.1 2.1-.4 0-.8 0-1.2-.1 2.2 1.4 4.8 2.2 7.5 2.2 9.1 0 14-7.5 14-14v-.6c1-.7 1.8-1.6 2.5-2.5z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"http:\/\/www.linkedin.com\/shareArticle?mini=true&#038;url=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"linkedin\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Linkedin\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg width='19' height='18' viewBox='0 0 19 18' fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg'><path d='M1.15 17.3h3.6V5.8h-3.6v11.5zM.75 2.1c0 1.2 1 2.1 2.1 2.1 1.2 0 2.1-.9 2.1-2.1 0-1.2-1-2.1-2.1-2.1-1.2 0-2.1 1-2.1 2.1zM14.45 17.3h3.6v-6.2c0-3.1-.7-5.5-4.3-5.5-1.8 0-2.9.9-3.4 1.8V5.8h-3.4v11.5h3.6v-5.7c0-1.5.2-2.9 2.1-2.9 1.8 0 1.8 1.7 1.8 3v5.6z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t<\/div>\n<\/div>\n\n<div class=\"block-title-and-content js-block-title-and-content block-title-and-content__theme--onyxGrey\">\n\t<div class=\"block-title-and-content__layout\">\n\t\t<h2\t\tclass=\"typography block-title-and-content__title typography__color--white typography__size--h2 typography__align--left\"\n\t\tdata-size-mobile=\"h2\" \t>\n\t\tBring aspiration into personalization\u00a0\t<\/h2>\n\t\t\t\t\t<div class=\"block-title-and-content__content\">\n\t\t\t\t\n<div class='block-title-and-content__item'><div class='block-title-and-content__item-inner'><p\t\tclass=\"typography block-typography__typography typography__color--lightGrey typography__size--regular-body typography__align--left\"\n\t\t\t>\n\t\tThe next step into frictionless banking is bringing aspiration into personalization. In other words, how do you go beyond transactions and offer customers something more? How do you create an \u201caha\u201d moment?\u00a0<br><br>By <a href=\"https:\/\/www.deptagency.com\/downloads\/the-next-wave-of-digital-transformation-for-banking-financial-services-data-ai-and-innovation\/\">leveraging AI<\/a> and machine learning, you can analyze customer data and understand your customer\u2019s financial aspirations, goals, and preferences\u2014a powerful tool for providing savings plans, investment strategies, or rewards that align with your customer&#8217;s aspirations.\u00a0<br><br>For example, if a customer is saving for a home, perhaps you proactively offer a mortgage that fits their needs. If a timely and relevant offer is made, they may expand their relationship with you and allocate more to your products and services.<br><br><strong>Beyond obvious financial products, find out how you can fulfill a need, or enhance a new experience. For example,\u00a0<\/strong>\t<\/p><\/div><\/div>\n\n<div class='block-title-and-content__item'><div class='block-title-and-content__item-inner'><ul class=\"lists lists__color--lightGrey lists__type--circle lists__size--default lists__align--left block-lists__lists\">\n\t<li>Help customers plan a weekend trip by showing activities and deals they can enjoy in a city.\u00a0<\/li><li>Encourage a customer who aspires to play more golf with deals on course reservations.\u00a0<\/li><li>Reward a movie lover with exclusive merchandise.\u00a0<\/li><\/ul><\/div><\/div>\n\n<div class='block-title-and-content__item'><div class='block-title-and-content__item-inner'><p\t\tclass=\"typography block-typography__typography typography__color--lightGrey typography__size--regular-body typography__align--left\"\n\t\t\t>\n\t\tIf you can help your customers achieve their goals and aspirations within a seamless digital ecosystem, you\u2019ve created a frictionless experience.\u00a0\t<\/p><\/div><\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\n\t<div class=\"block-title-and-content__social-links\">\n\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"copy\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Copy page link\"\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tdata-tooltip=\"true\"\n\t\t\t\t\tdata-tooltip-text=\"Link copied to clipboard.\"\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg' width='22' height='22' viewBox='0 0 22 22'><path d='M6.832 15.167l8.333-8.333M9.332 6.001l2.787-2.787a4.715 4.715 0 016.666 0v0a4.715 4.715 0 010 6.667L16 12.668M5.999 9.334l-2.787 2.787a4.715 4.715 0 000 6.666v0a4.715 4.715 0 006.667 0l2.787-2.786' stroke='currentColor' stroke-width='2'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"facebook\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Facebook\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg width='14' height='22' viewBox='0 0 14 22' fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg'><path d='M4.032 22L4 12H0V8h4V5.5C4 1.789 6.298 0 9.61 0c1.585 0 2.948.118 3.345.17v3.88H10.66c-1.8 0-2.15.856-2.15 2.112V8h5.241l-2 4H8.51v10H4.032z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/api.whatsapp.com\/send?text=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"whatsapp\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Whatsapp\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg xmlns='http: \/\/www.w3.org\/2000\/svg' width='25' height='24' viewBox='0 0 25 24'><path d='M.805 24l1.687-6.163a11.869 11.869 0 01-1.588-5.945C.907 5.335 6.244 0 12.801 0c3.182.001 6.17 1.24 8.415 3.488a11.819 11.819 0 013.481 8.413c-.002 6.558-5.34 11.893-11.896 11.893h-.005c-1.99-.001-3.947-.5-5.685-1.448L.805 24zm6.598-3.807l.361.214a9.874 9.874 0 005.033 1.378h.004c5.45 0 9.885-4.434 9.888-9.885a9.824 9.824 0 00-2.894-6.993 9.823 9.823 0 00-6.99-2.898c-5.454 0-9.89 4.434-9.892 9.884a9.86 9.86 0 001.512 5.26l.235.374-.999 3.648 3.742-.982z' fill='currentColor'\/><path d='M9.825 6.921c-.24-.58-.486-.501-.668-.51-.174-.009-.372-.01-.57-.01-.198 0-.52.074-.793.371-.272.298-1.04 1.017-1.04 2.48 0 1.462 1.065 2.875 1.214 3.073.148.199 2.096 3.2 5.078 4.487.709.306 1.262.49 1.694.626.712.226 1.36.194 1.872.118.571-.085 1.759-.72 2.007-1.413.247-.694.247-1.29.173-1.413-.074-.124-.272-.199-.57-.347-.297-.149-1.758-.868-2.03-.967-.273-.1-.471-.149-.67.149-.198.297-.767.966-.94 1.165-.174.198-.348.223-.645.074-.297-.149-1.255-.462-2.39-1.475-.884-.788-1.48-1.76-1.654-2.058-.173-.298-.018-.459.13-.607.134-.133.298-.347.446-.52.149-.174.199-.298.298-.496.099-.198.05-.372-.025-.52-.074-.15-.669-1.612-.917-2.207z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F&#038;text=The%20next%20stage%20of%20frictionless%20banking%20experiences:%20Aspiration%20&#038;%20personalisation\u00a0\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"twitter\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Twitter\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg width='25' height='20' viewBox='0 0 25 20' fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg'><path d='M24.75 2.3c-.9.4-1.8.7-2.8.8 1-.6 1.8-1.6 2.2-2.7-1 .6-2 1-3.1 1.2-.9-1-2.2-1.6-3.6-1.6-2.7 0-4.9 2.2-4.9 4.9 0 .4 0 .8.1 1.1-4.2-.2-7.8-2.2-10.2-5.2-.5.8-.7 1.6-.7 2.5 0 1.7.9 3.2 2.2 4.1-.8 0-1.6-.2-2.2-.6v.1c0 2.4 1.7 4.4 3.9 4.8-.4.1-.8.2-1.3.2-.3 0-.6 0-.9-.1.6 2 2.4 3.4 4.6 3.4-1.7 1.3-3.8 2.1-6.1 2.1-.4 0-.8 0-1.2-.1 2.2 1.4 4.8 2.2 7.5 2.2 9.1 0 14-7.5 14-14v-.6c1-.7 1.8-1.6 2.5-2.5z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t\t\t<a\n\t\t\t\thref=\"http:\/\/www.linkedin.com\/shareArticle?mini=true&#038;url=https%3A%2F%2Fwww.deptagency.com%2Fen-in%2Finsight%2Fthe-next-stage-of-frictionless-banking-experiences-aspiration-personalisation%2F\"\n\t\t\t\tdata-share-url=\"https:\/\/www.deptagency.com\/en-in\/insight\/the-next-stage-of-frictionless-banking-experiences-aspiration-personalisation\/\"\n\t\t\t\tdata-share-title=\"The next stage of frictionless banking experiences: Aspiration &#038; personalisation\u00a0\"\n\t\t\t\tdata-share-type=\"linkedin\"\n\t\t\t\tclass=\"block-title-and-content__social-links-item js-social-link\"\n\t\t\t\taria-label=\"Share to Linkedin\"\n\t\t\t\t\t\t\t\t\ttarget=\"_blank\"\n\t\t\t\t\trel=\"noopener noreferrer\"\n\t\t\t\t\n\t\t\t\t\t\t\t>\n\t\t\t\t<svg width='19' height='18' viewBox='0 0 19 18' fill='none' xmlns='http: \/\/www.w3.org\/2000\/svg'><path d='M1.15 17.3h3.6V5.8h-3.6v11.5zM.75 2.1c0 1.2 1 2.1 2.1 2.1 1.2 0 2.1-.9 2.1-2.1 0-1.2-1-2.1-2.1-2.1-1.2 0-2.1 1-2.1 2.1zM14.45 17.3h3.6v-6.2c0-3.1-.7-5.5-4.3-5.5-1.8 0-2.9.9-3.4 1.8V5.8h-3.4v11.5h3.6v-5.7c0-1.5.2-2.9 2.1-2.9 1.8 0 1.8 1.7 1.8 3v5.6z' fill='currentColor'\/><\/svg>\t\t\t<\/a>\n\t\t\t\t<\/div>\n<\/div>\n\n<div class=\"block-statement block-statement__background-color--backgroundGrey block-statement__align--left\">\n\t<p\t\tclass=\"typography block-statement__title typography__color--onyxGrey typography__size--h5 typography__align--left\"\n\t\t\t>\n\t\t<strong>Elevating CX in BFSI\u00a0<br><\/strong><br>The journey towards frictionless banking is an ongoing process that requires continuous improvement and adaptation. As technology evolves, new benchmarks will be set around frictionless experiences. <br><br>By continuously elevating your <a href=\"https:\/\/www.deptagency.com\/insight\/driving-cx-in-the-complex-world-of-banking-and-financial-services\/\">customer experience<\/a>, you can ultimately improve engagement and share of wallet.\u00a0\t<\/p><\/div>\n\n<div class=\"block-highlighted-item-listing\">\n\t<h2\t\tclass=\"typography block-highlighted-item-listing__title typography__color--onyxGrey typography__size--regular-body typography__align--left\"\n\t\t\t>\n\t\tMore insights \t<\/h2>\n\t<div class=\"block-highlighted-item-listing__cards\">\n\t\t<a\tclass=\"universal-item-card universal-item-card__type--article universal-item-card--has-link-decoration\"\n\tdata-theme=\"white\"\n\t\t\thref=\"https:\/\/www.deptagency.com\/en-in\/insight\/at-wfa-forum-in-mumbai-growth-isnt-b2c-anymore\/\"\n\t\t\t\ttitle=\"At WFA Forum in Mumbai, growth isn&#8217;t B2C anymore\"\n\t\t>\n\t\t\t<div class=\"universal-item-card__backplate universal-item-card__backplate--with-image\"><\/div>\n\t\n\t<div\n\t\tclass=\"image-wrap universal-item-card__image-wrap\"\n\t\tdata-align=\"center center\"\n\t\t\t>\n\n\t\t\t<picture\n\t\tclass=\"image__picture\"\n\t\t\t\t>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.deptagency.com\/wp-content\/uploads\/2026\/03\/Dimi-presenting-at-WFA-Forum-Mumbai.webp\"\n\t\t\t\tclass=\"image universal-item-card__image\"\n\n\t\t\t\t\t\t\t\talt=\"At WFA Forum in Mumbai, growth isn&#8217;t B2C anymore\"\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\/>\n\t\t<\/picture>\n\t\n\t<\/div><p\t\tclass=\"typography universal-item-card__meta typography__color--darkGrey typography__size--eyebrow-lc typography__align--left\"\n\t\t\t>\n\t\tAI TRANSFORMATION&emsp;\u2022&emsp;Himanshu Mody\t<\/p><h3\t\tclass=\"typography universal-item-card__title typography__color--onyxGrey typography__size--h6 typography__align--left\"\n\t\t\t>\n\t\t<span>At WFA Forum in Mumbai, growth isn&#8217;t B2C anymore<\/span>\t<\/h3><button\tclass=\"cta-button universal-item-card__btn cta-button__color--onyxGrey cta-button__style--regular has-parent-hover\" >\n\t\n\t\t\t<span>\n\t\t\tRead Article\t\t<\/span>\n\t\n<\/button>\n\t\n\t<\/a><a\tclass=\"universal-item-card universal-item-card__type--article universal-item-card--has-link-decoration\"\n\tdata-theme=\"white\"\n\t\t\thref=\"https:\/\/www.deptagency.com\/en-in\/insight\/dept-strong-performer-forrester-wave-commerce-services-q1-2026\/\"\n\t\t\t\ttitle=\"DEPT\u00ae named a Strong Performer in The Forrester Wave\u2122: Commerce Services, Q1 2026\"\n\t\t>\n\t\t\t<div class=\"universal-item-card__backplate universal-item-card__backplate--with-image\"><\/div>\n\t\n\t<div\n\t\tclass=\"image-wrap universal-item-card__image-wrap\"\n\t\tdata-align=\"center center\"\n\t\t\t>\n\n\t\t\t<picture\n\t\tclass=\"image__picture\"\n\t\t\t\t>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.deptagency.com\/wp-content\/uploads\/2026\/02\/Forrester-_-2026-_-Insight-_-Phrase-16_9.png\"\n\t\t\t\tclass=\"image universal-item-card__image\"\n\n\t\t\t\t\t\t\t\talt=\"DEPT\u00ae named a Strong Performer in The Forrester Wave\u2122: Commerce Services, Q1 2026\"\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\/>\n\t\t<\/picture>\n\t\n\t<\/div><p\t\tclass=\"typography universal-item-card__meta typography__color--darkGrey typography__size--eyebrow-lc typography__align--left\"\n\t\t\t>\n\t\tCOMMERCE&emsp;\u2022&emsp;Nitin Kediyal\t<\/p><h3\t\tclass=\"typography universal-item-card__title typography__color--onyxGrey typography__size--h6 typography__align--left\"\n\t\t\t>\n\t\t<span>DEPT\u00ae named a Strong Performer in The Forrester Wave\u2122: Commerce Services, Q1 2026<\/span>\t<\/h3><button\tclass=\"cta-button universal-item-card__btn cta-button__color--onyxGrey cta-button__style--regular has-parent-hover\" >\n\t\n\t\t\t<span>\n\t\t\tRead Article\t\t<\/span>\n\t\n<\/button>\n\t\n\t<\/a><a\tclass=\"universal-item-card universal-item-card__type--article universal-item-card--has-link-decoration\"\n\tdata-theme=\"white\"\n\t\t\thref=\"https:\/\/www.deptagency.com\/en-in\/insight\/dept-brings-its-cannes-style-moments-year-round-with-future-club\/\"\n\t\t\t\ttitle=\"DEPT\u00ae brings its Cannes-Style moments year-round with Future Club\"\n\t\t>\n\t\t\t<div class=\"universal-item-card__backplate universal-item-card__backplate--with-image\"><\/div>\n\t\n\t<div\n\t\tclass=\"image-wrap universal-item-card__image-wrap\"\n\t\tdata-align=\"center center\"\n\t\t\t>\n\n\t\t\t<picture\n\t\tclass=\"image__picture\"\n\t\t\t\t>\n\t\t\t\n\t\t\t\n\t\t\t\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.deptagency.com\/wp-content\/uploads\/2026\/02\/DFC-INSIGHT-IMAGE-1-1080X1350.png\"\n\t\t\t\tclass=\"image universal-item-card__image\"\n\n\t\t\t\t\t\t\t\talt=\"DEPT\u00ae brings its Cannes-Style moments year-round with Future Club\"\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\/>\n\t\t<\/picture>\n\t\n\t<\/div><p\t\tclass=\"typography universal-item-card__meta typography__color--darkGrey typography__size--eyebrow-lc typography__align--left\"\n\t\t\t>\n\t\tNEWS&emsp;\u2022&emsp;Marjan Straathof\t<\/p><h3\t\tclass=\"typography universal-item-card__title typography__color--onyxGrey typography__size--h6 typography__align--left\"\n\t\t\t>\n\t\t<span>DEPT\u00ae brings its Cannes-Style moments year-round with Future Club<\/span>\t<\/h3><button\tclass=\"cta-button universal-item-card__btn cta-button__color--onyxGrey cta-button__style--regular has-parent-hover\" >\n\t\n\t\t\t<span>\n\t\t\tRead Article\t\t<\/span>\n\t\n<\/button>\n\t\n\t<\/a>\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":94,"featured_media":4371263,"template":"","meta":{"_acf_changed":false,"es_utils_meta_schema":"","member_job_title":"","member_linkedin_url":"","dept_alt_featured_image":[],"dept_algolia_noindex":false,"dept_algolia_featured":false,"footnotes":""},"person":[41377],"insight-topics":[42896,42894],"class_list":["post-4371261","article","type-article","status-publish","has-post-thumbnail","hentry"],"acf":{"dept_is_3q_page":false,"dept_insight_featured":true,"dept_current_cpt_partner":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The next stage of frictionless banking experiences: Aspiration &amp; personalisation\u00a0 - DEPT\u00ae<\/title>\n<meta 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