Saturday, August 24, 2019

Bots deliver customer service for travel insurance company


 On the second floor of a high-rise office building in Richmond, Va., six bots are quietly delivering better customer service. Article by Christopher Elliott

Ada handles claims. Walter III specializes in documentation requests. Hedy, DaVinci, Marconi and Jude perform support functions. Together, they complete a total of 26 tasks and thousands of transactions a month at Allianz Travel Insurance.

Bots of Allianz Insurance: from right to left--
Maconi, Jude, Hedi, Walter III, and Ada
Photo courtesy of Christopher Elliott
"They're helping us get more done," says Brian McCray, whose official title is RPA developer. But you can call him the Robot Overlord. He doesn't seem to mind.

McCray and his team of bots are at the vanguard of a customer service revolution. Chatbots, the applications that talk to customers, are the flashy face of the movement. But behind the scenes, there's a growing army of bots hidden from sight and silently working to deliver better customer service. 

Yes, artificial bots are controversial (even the good ones) when it comes to customer service.

·         Only 15% of consumers have used bots to communicate with businesses in the past 12 months, according to Drift's latest State of Chatbots report.

·         A survey by CGS found many consumers still prefer human agents to chatbots. Nearly 50 percent of U.K. respondents and around 40 percent of U.S. respondents said they'd rather deal with a person. 

·         A UJET poll found 58% of respondents believe that chatbots were not as effective as expected.

If you've participated in a chat with a customer service
representative, you might have dealt with a bot.
Companies are adding new technology slowly and thoughtfully. Ideally, customers won't even notice they're dealing with artificial intelligence (A.I.). 

What are customer service bots?

The Allianz customer service bots probably aren't what you would expect. They're a row of simple computer terminals, each with its name scribbled on a green sticky note. The screens display an electronic travel insurance form, and the bots automatically fill out the forms. They also create automated emails that request everything from medical documentation to meal receipts.  

McCray says these applications can handle the same tasks it once took dozens of humans to do. Bots do it faster and usually error-free. 

"That's the benefit of automation," he says. "It frees us up to handle the customer service interactions that a bot can't do. And it allows us to spend more time with our customers."

You've probably already received better customer service from a bot. 

If you've ever had to fill in a travel insurance form, you've probably seen Ada's work. She handles a lot of the repetitive tasks, such as asking for receipts, hospital bills and expenses. You probably didn't suspect there was a bot behind the request.

The company's first bot came online in late 2017. Since then, McCray and his team added another five, and they have plans to add more. Bots have become central part of the company's customer support functions. They've helped cut in half the time it takes Allianz to process a claim. Bots don’t go on vacation and they don’t take coffee breaks.

"Bots ensure that every user gets the very best experience," says Bret Greenstein, vice president and global head of artificial intelligence at Cognizant Digital Business. "This kind of interaction allows a company to digitize the complete user experience, providing tremendous data and insights about what customers want, how they ask for help, and how they feel."

Some bots don't deliver better service

"Consumers can get caught in frustration loops," says Tracy Sherman, a senior marketing manager at Helpshift, a company that develops A.I. customer service applications. "This can have a significant negative impact on customer satisfaction and even affect retention and acquisition numbers." 

Muddu Sudhakar, CEO of Aisera, which develops A.I. applications, says there are other potential customer service bot downsides. "The technology adoption curve includes the possibility of false positives and incorrect results," he says. "All of these, however, improve over time with self-learning capabilities and training."

Bots work better when they're part of a team

If you're facing the row of bots at the Allianz headquarters, turn around. That's where you'll find Doug, the bot handler. He spends his entire working day with Ada, Walter III, Hedy, and the others, ensuring they are not trying to overthrow the universe. McCray says bots can't do everything. At some point, there has to be a hand-off to a human agent.

"Bots can't stand on their own," says Priya Iyer, CEO of Vee24, a company that provides live customer engagement solutions. "They need to be integrated with every aspect of a company's systems, from CRM to online banking or order tracking to be effective. And, more importantly, they need to be able to escalate to a human agent when they are unable to respond. 

What's the future of bots in customer service?

More bots will start to come online, ushering in a new era of more automated customer service.
Cute, wheeled bots like this may find a
place in customer service, too.
"Bots will only continue to improve the customer experience," predicts Ido Bornstein-HaCohen, CEO of Conversocial, a social media customer service firm. “We're talking more than 90 percent automation, and it's not that far away."

Of course, the technology will get better. "As the A.I. improves, customer service bots will be able to learn on the fly by analyzing the inputs entered by real customer service agents in response to requests it couldn't handle," says Ray Walsh, a digital privacy expert at ProPrivacy.com.  For now, Allianz’s bots are just doing the mundane, repetitive tasks that entry-level employees used to have to do. 

Christopher Elliott's latest book is “How To Be The World’s Smartest Traveler” (National Geographic). For help with any consumer problem, please visit http://www.elliott.org/help This article originally appeared in Forbes.
© 2019 Christopher Elliott.

Additional photos from free sources

 
 
 
 
 
 
 
 
 
 
 




 




 



 





 






 






 










 










 

 

 



 



 





 





 







 







 








 







 






 





 





 



 



 


 


 


 






 

 

 

 
 
 


 
















No comments: