1. Can your customers begin a journey in one channel and complete it seamlessly in another?
2. Do your call-centre teams have access to real-time, accurate customer information?
3. Is your onboarding process truly self-service with minimal delay and no repeated data entry?
4. During product origination, can customers complete the process in their preferred channel, with minimal steps and no re-keying of data?
5. Are your servicing features self-service, secure, and available without performance issues?
6. How would you describe your personalisation approach across your channels?
7. How long does it take you to launch an A/B test of a customer proposition?
8. How granular is your segmentation of customers for targeting and personalised messages?
9. How immediate is your response to changing customer situations?

Result: Early Stage

You're just getting started

Your digital channels show early promise but likely need work on integration, self-service, and pesonalisation.

Next step

See how similar banks have modernised without ripping out existing systems.