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2026 Financial Services Customer Expectations: 4 Key Benchmark Report Findings

By Cindy Griffin, Financial Services Vertical Marketing Lead at Smart Communications 

Financial services firms are entering a moment where customer experience is being reshaped by two powerful forces: rising expectations for digital convenience—especially due to the Great Wealth Transfer–and growing interest in AI.  

But, data from the 2026 Customer Experience Benchmark report by Smart Communications tells us something important: financial services clients are not asking for technology for technology’s sake. They’re asking for experiences that are easier, clearer, more secure, and more connected.  

Here are four findings, specific to financial services, from the forthcoming report. 

Finding #1: AI Use Requires Transparency and Relevance 

Across financial services, there’s genuine openness to AI. More than half of financial services customers believe AI will improve their customer experience over the next five years, and next-gen investors are especially optimistic. But that enthusiasm is not universal. Confidence in AI handling personal information securely and ethically has softened, and customers are very clear about the conditions for trust. They want transparency, human oversight, data security, and disclosure when AI is being used. In fact, 83% of those surveyed said it is important that companies disclose when AI is part of an interaction. 

That is the first major takeaway: AI has to earn its seat at the table. It cannot feel like a black box. For financial institutions, the opportunity is not simply to use AI to automate communications or service interactions. The opportunity is to deploy AI in ways that are relevant, explainable, secure, and visibly governed. 

Finding #2: Outdated Data Collection Processes Drive Customers Away 

Data collection remains one of the biggest friction points in the customer journey. Financial services customers still abandon forms when they take too long, require repeated information, ask irrelevant questions, or make supporting documentation difficult to provide. And yet, when the data collection experience exceeds expectations, the upside is substantial. 63% of consumers say they are more likely to leave a positive review, 66% would recommend the company, 66% would do more business, and 78% would remain loyal. 

The second takeaway is that data collection and forms should not be treated as back-office plumbing. They are front-door experiences. In financial services, the account opening form, the servicing request, the loan application, the beneficiary update, or the onboarding questionnaire is often the moment where trust is either reinforced or quietly eroded. A clunky form can make a customer feel like their financial institution does not know them. A smart, guided, secure experience can feel like familiarity and competence. 

Finding #3: Communications Offer an Opportunity to Differentiate 

The third takeaway is that communications remain central to trust. 85% of financial services customers say communications are important to their overall experience. Roughly two-thirds say they would be likely to switch away from a company if communications did not meet expectations and that number rises to 70% and above for Gen Z and Millennials. The factors that build trust in these relationships are remarkably practical and similar across generations. Those are:  

  • accuracy,
  • data security, 
  • response time,  
  • ease of contact, 
  • personalization,
  • and proactive communications. 

Good communication also matters because unclear communications are a major reason customers end up contacting service teams. When a customer has to call because they didn’t understand a notice, couldn’t access a document, or were unsure whether a request went through, that is more than a service issue. It‘s a communications failure with real operational cost. 

Finding #4: Reducing Friction is Critical to Meeting Modern Customer Demands 

The fourth and final takeaway is that omnichannel is still unfinished business and reducing friction in customer journeys remains a work in progress. Financial institutions need to make the entire customer journey consistent and cohesive across channels. Customers want their information and history to carry across channels, with 87% saying that seamless carryover is important.Yet, nearly half say they still sometimes or always need to repeat information when switching channels or representatives.  

While financial services customers are more satisfied with the quality of their omnichannel experiences than other industries, the number is still low at 56%. This is reflected in the fact that only 59% of customers surveyed felt that financial institutions always or almost always communicate on their preferred channel. These gaps make up the experience chasm and it is where digital ambition fails in reality. 

Connection, Not Channel, Equals Better Customer Experiences 

For financial institutions, the path forward is clear. Better customer experiences will not come from adding more channels, more messages, or more isolated digital tools. They will come from connecting the journey: collecting data intelligently, using that data responsibly, communicating clearly and consistently, and orchestrating ease across the customer lifecycle. 

To find out more about customer experience in financial services, register for the webinar on June 24th where I’ll dig into the data and offer insights on what the findings mean for your institution. 

Frequently Asked Questions 

Q: What do financial services customers expect from digital experiences in 2026? 

A: Financial services customers expect digital experiences that are simple, transparent, personalized, and friction-free. In 2026, customers increasingly want the same convenience they experience in other industries, but with added trust, security, transparency, and human support. That means clearer communications, intuitive data collection, fewer repeated requests for information, easier access to documents, and responsible use of AI that feels relevant. 

Q: How is AI impacting customer experiences in financial services? 

A: Financial services customers are open to AI but want to understand when and how it’s being used, how their data is secured, and that a human is in the loop. This transparency turns AI from a source of concern to a tool that helps support more relevant customer journeys.  Firms successfully implementing AI are solving real customer problems, not just adding AI for its own sake. 

Q: What are the biggest customer experience trends in financial services? 

A: The biggest customer experience trends in financial services are responsible and transparent use of AI, more modern and intuitive data collection, clearer and more personalized customer communication, and the push to reduce friction across digital journeys across the customer lifecycle. 

The Hidden Cost of Manual Appeals & Grievances (A&G) for Health Plans

Appeals & grievances (A&G) are among the most complex and compliance–sensitive processes for health plans. Every appeal requires document collection, case routing, clinical review, member communications, compliance tracking, and audit-ready record keeping. 

When these activities rely on manual processes and disconnected systems, costs rise, resolution tiles slow, and regulatory risk increases.  

According to our partner, Cognizant, manual A&G handling can cost up to $45 per case due to document gathering, multiple handoffs, medical review, and compliance tracking. Appeals may arrive through mail, fax, portals, call centers, and regulators—often incomplete, misclassified, or duplicated, delaying the compliance clock. 

 In the US, the American Hospital Association ( AHA) found that Medicare Advantage denials rose 55.7% year over year, driving higher appeal volumes and regulatory scrutiny. Health plans must also meet strict response deadlines – sometimes as short as 24 hours – while maintaining complete audit trails across intake, communications, decisions and document retention. 

Bottom line: The process is expensive to operate, difficult to scale, and increasingly risk to manage manually.  

Smart Communications Creates Value Across the A&G Lifecycle 

Smart Communications’ platform aligns naturally to A&G needs because it covers the entire process: intake → orchestration → communications → archiving. Payers typically integrate the Smart solutions with a case management system (e.g., Pega, Salesforce, etc.). 

SmartIQ™ for Intelligent A&G Intake 

What it solves 

  • Manual keying of appeals and grievances
  • Incomplete or invalid submissions
  • Delayed compliance clock start

Value drivers 

  • Dynamic digital forms for members, providers, and regulators
  • Automated classification (appeal vs. grievance, standard vs. expedited)
  • Required documentation validation on submission 

ROI impact 

  • Reduced intake handling time
  • Fewer invalid or abandoned cases
  • Faster clock start = lower compliance risk 

SmartPATH™ for Case Orchestration & Digital Delivery 

What it solves 

  • Manual routing and handoffs
  • Missed deadlines
  • No end‑to‑end case visibility 

Value drivers 

  • Automated routing to clinical, legal, or vendor review
  • SLA tracking against CMS timelines
  • Omnichannel digital delivery (portal, secure email, print fallback) 

ROI impact 

  • Shorter cycle times
  • Lower labor cost per case
  • Reduced need for third‑party tools 

SmartCOMM™ for Compliant A&G Communications 

What it solves 

  • Inconsistent templates
  • High IT dependency for updates
  • Regulatory language risk 

Value drivers 

  • Business‑managed templates for appeal acknowledgments, decisions, and regulator letters
  • Multilingual, multi‑brand compliance
  • Single‑source template governance 

ROI impact 

  • Reduced IT and compliance review costs
  • Faster regulatory updates
  • Lower rework and call volume due to clearer notices 

SmartHUB™ for A&G Archiving & Audit Readiness 

What it solves 

  • Disparate document systems
  • Expensive audits and legal discovery
  • Poor regulator response readiness 

Value drivers 

  • Cloud native archive of all case documents and correspondence
  • Fast retrieval by member, case, or regulator
  • Immutable audit trail 

ROI impact 

  • Reduced audit prep labor
  • Lower legal and compliance exposure
  • Faster regulator inquiries response 

How to Calculate the ROI of Modernizing Appeals and Grievances Processes 

We can calculate the return on investment of investing in a Smart appeals and grievances solution. We’ll need some input from you to personalize the calculations, but we’ll start with an example that you can customize. Here’s what you’ll need: 

Input Category 

Examples 

Annual A&G volume 

Total appeals + grievances 

Avg. cost per case 

Labor + overhead 

% paper based intake 

Member & provider 

Avg. cycle time 

Days to resolution 

Compliance penalties 

Historical or estimated 

Call volume driven by A&G 

Per case 

The following calculations show how these inputs can translate into potential savings across operational costs, labor productivity, compliance, call volume, and audit and legal costs.  

Output Metrics of the A&G ROI Calculator 

After considering your inputs and running through the calculations, above, we will be able to determine: 

  • Annual Gross Savings
  • Net Benefit (Savings – Platform Cost)
  • Payback Period (months)
  • 3‑Year NPV
  • Cost per A&G case (before vs. after) 

Why A&G Is an Ideal ROI Use Case for Smart Communications 

Unlike claims where savings are incremental, A&G ROI compounds across: 

  • Cost
  • Compliance
  • CX
  • Regulator trust
  • Star ratings and retention 

Appeals & Grievances are no longer a back office necessity; they are a financial, regulatory, and member experience lever. SmartIQ, SmartCOMM, SmartPATH, and SmartHUB together enable payers to lower cost, reduce risk, and deliver defensible, compliant outcomes at scale. 

With documented A&G automation savings of 30–40% per case and rising volumes, even mid‑size plans can justify investment quickly. 

What Could Your Organization Save? 

See how much your health plan could save by automating appeals and grievances. Calculate your potential ROI today.  

Frequently Asked Questions 

Q: Why should health plans modernize appeals and grievances?

Health plans should modernize appeals and grievances to reduce manual work, improve turnaround times, strengthen compliance, and deliver a better member experience. Automation can also reduce costs by streamlining workflows and reducing avoidable errors. 

Q: What should health plans look for in a modern appeals and grievances solution? 

Look for a solution that automates workflows, supports regulatory compliance, integrates with existing systems, and provides visibility through tracking and reporting. It should also enable personalized, omnichannel communications throughout the appeals and grievances process. 

Q: How can Smart Communications help me improve my appeals and grievances workflow? 

Smart Communications helps health plans automate and streamline appeals and grievances workflows, from intake and routing through decisioning and member communications. Its solutions can reduce manual effort, improve consistency and compliance, and create a more connected member experience. 

Q: What is Smart Communications’ appeals and grievances ROI calculator? 

Smart Communications’ appeals and grievances ROI calculator helps health plans estimate potential savings from automating their A&G processes. It calculates potential value across operational costs, labor productivity, compliance risk, call deflection, and audit and legal costs. 

How Customer Communication Orchestration Improves Engagement

By Gordon Tang, Product Marketing Manager at Smart Communications

As organizations look beyond individual touchpoints and toward more connected experiences, customer communications orchestration has become increasingly important in helping businesses deliver the right information, through the right channels, at the right time. 

As we’ve explored previously (here), delivering on those expectations is only getting harder as the goalposts continue to shift. For regulated industries especially, where the focus often leans heavily toward compliance, it’s easy to lose sight of what actually strengthens a customer relationship. 

Organizations can earn and maintain customer trust by communicating clearly, consistently, and through the channels customers prefer. But when communications are treated primarily as a compliance exercise, something important is lost. The opportunity to truly engage disappears, and with it, the visibility, responsiveness, and control customers now expect.  

Our continued focus on improving customer interactions has led to our inclusion in the Omdia Universe: Customer Engagement Platforms, 2026. As the Product Marketer for SmartPATH™, I—and the wider team—are incredibly excited to see our capabilities recognized. For the sake of this article, here’s what I’m covering: 

  • A high-level look at customer communications orchestration and how it works, plus the importance of it for highly regulated industries
  • How SmartPATH supports customer communication orchestration 

What Is Customer Communication Orchestration? 

Customer communication orchestration is the coordination and optimization of customer interactions across touchpoints and channels—to deliver experiences that are timely, relevant, and consistent throughout this customer journey. 

Customer engagement isn’t a new concept. Analyst firms have been studying it for years. Since 2018, Omdia has surveyed customers and vendors to better understand how organizations approach engagement, defining what they call the Customer Engagement Platform (CEP) market. In their 2026 report, Omdia’s Mila D’Antonio suggests that many organizations have reached a kind of inflection point: 

“They [technology buyers] know customer engagement is evolving faster than their tech stack, and they want to know which engagement platforms can actually take them into the future rather than bolting new features onto old foundations.” 

This captures a reality many organizations are grappling with today. In 2026, Smart Communications made its debut in this research, within a market valued at approximately $30 billion. Our inclusion reflects our ability to support engagement in regulated industries, where complexity is the norm: 

“From the beginning, Smart Communications focused on scenarios where customer engagement is not just about convenience or speed but about precision, compliance, security, and auditability. That heritage gives it credibility in complex, high–stakes interactions where traditional CCaaS platforms or lightweight CRM-driven engagement tools often fall short.” 

The report explores key areas of focus for CEP technology, including: 

  • Platform convergence: moving away from the multi-vendor, multi-interface approaches to technology that create disjointed databases, in favor of a simplified and unified platform (ideally from a single vendor)
  • Data unification: a solution that helps to create a clear and unified customer profile that updates in real time, rather than disconnected applications that create a segmented and outdated customer view
  • Technology modernization: a future-thinking technology solution that can adapt and evolve with the changing requirements of an enterprise (that are equally driven by the changing requirements of their customers), over legacy solutions that are no longer fit for purpose without supplementary integration into additional applications 

Each of these points in the same direction: organizations need a more connected, coordinated approach to engaging customers. 

Why Is Customer Communication Orchestration Important? 

It’s a deceptively simple question—and something of a trick. Customers don’t fit neatly into personas, their needs shift depending on the moment, the context, and the channel. They expect the right information at the right time—and they expect their experience to continue seamlessly, even when they switch channels, hit friction, or need follow-up. 

And those expectations are not standing still. Our 2026 CX benchmark research found that email remains the most widely preferred communication channel, while more than one-third prefer SMS, web portal/mobile app, or encrypted messaging depending on the context. At the same time, more than 80% of Gen Z and Millennials prefer digital self-service over speaking to customer service teams—yet many organizations still rely heavily on traditional outbound print communications. 

Omdia summarizes the challenge well: “As customer expectations continue to rise and digital engagement becomes more complex, enterprises are rethinking the foundations of how they operate. The challenge is no longer simply delivering better experiences via individual channels. It is coordinating every interaction, decision, and workflow across the entire organization in real time.”  That’s easier said than done. 

Organizations are being asked to deliver clearer, faster communication across a growing number of channels—while managing increasing regulatory pressure and tighter turnaround times. At the same time, they must maintain consistency across journeys that span multiple teams and systems. It’s a difficult balancing act. 

At times, it can feel like trying to juggle batons while riding a unicycle across a trapeze line—one that just happens to be moving toward a pit of flames. And to make things more interesting, the technology stack supporting you is often held together by years of custom integrations. 

How Does Customer Communication Orchestration Work? 

Simply put, customer communications orchestration works by continuously syncing real-time data across systems to deliver the right message, on the preferred channel at the exact moment the customers needs it. 

As a leader in CCM technology, Smart Communications understands how critical communications are to engagement. But in today’s environment, designing, creating, and sending messages isn’t enough. Sometimes, you need to ensure your message actually reaches the customer. This is where orchestration comes in. 

Orchestration is about making sure the right message reaches the right customer at the right time, even when things don’t go as planned. Maybe an email address has a typo. Maybe an SMS is blocked. Maybe a customer simply forgets to act and needs a reminder. Orchestration connects communication delivery to the broader customer journey. It introduces adaptability, persistence, and intelligence, while still supporting compliance and delivering on business outcomes. 

Benefits of Customer Communication Orchestration  

Sophisticated customer communication orchestration solutions will help organizations to: 

  • Quickly deploy and lower maintenance costs
  • Scale globally without sacrificing performance
  • Handle data and compliance support securely
  • Increase agility with the use of AI and automation 

 

How Does SmartPATH™ Support Customer Communications Orchestration? 

In 2025, SmartPATH joined Smart Communications’ suite of solutions following our acquisition of Pendula. This marked an important step forward, as it introduced orchestration capabilities that transform traditional communications into true engagement, especially for regulated industries. It’s also a key factor behind our inclusion in the Omdia CEP report. 

SmartPATH extends the value of our CCM proposition by enabling native omnichannel delivery and orchestrating communications across the entire customer journey. It connects what were previously separate capabilities, bringing them together into a more unified engagement solution. As part of a broader Customer Engagement Platform, SmartPATH aligns with what Omdia describes as a unified approach, bringing inbound and outbound communications together and expanding traditional CCM into full engagement capability. 

The result is a shift from disconnected interactions to cohesive, customer-driven experiences—delivering better outcomes and higher satisfaction. 

CEP as a Natural Extension for Smart Communications 

Our inclusion in Omdia’s 2026 report reinforces something we’ve long believed: Smart Communications belongs in this space. This isn’t about entering a new market. It’s about recognizing the natural evolution of what we’ve been building. 

Through SmartCOMM™ and SmartIQ™, we’ve built a strong reputation for enabling complex communications in regulated industries. SmartPATH builds on that foundation, extending those capabilities into the broader domain of customer engagement. It elevates communications from individual touchpoints into connected journeys, aligned with how customers experience organizations today. In many ways, this is about giving language to what we already do — and where we’re heading next. 

A Note from the Author 

This is my first blog for Smart Communications so, I’m finishing big with Gandhi. What if I told you that in 1890 he (allegedly) said:

“A customer is the most important visitor on our premises. He is not dependent on us. We are dependent on him. He is not an interruption of our work. He is the purpose of it. He is not an outsider of our business. He is part of it. We are not doing him a favour by serving him. He is doing us a favour by giving us the opportunity to do so.” 

The translation: everything you do should ultimately be for the customer’s benefit. And that still holds true today because when you give customers what they want, they reward you with trust and loyalty. 

For more, download a complimentary copy of Omdia Universe: Customer Engagement Platforms, 2026.  

Frequently Asked Questions 

Q: How is communication orchestration different from CCM? 

The two are related but distinctly different. Whereas CCM focuses on creating, managing, and delivering communications—communication orchestration focuses on the coordination of these communications, across an entire communication journey. If the former fulfils a single event, then the latter turns those events into something more for the customer—ensuring that the right message is sent at the right time, through the right channel. 

Q: Why do regulated industries need orchestration? 

When customer communications are often business–critical, compliance-sensitive, and tied directly to customer interactions—it makes sense to be able to send, manage, and ensure successful delivery of these autonomously and seamlessly. These communications are not just messages, they are the outputs of regulated business processes—orchestration through technology like SmartPATH unburdens manual resources from execution, drives down costs to serve, and ensures that organizations remain compliant as they scale their customer growth ambitions. 

Q: Why was Gandhi weighing in on customer service? 

Note that I said allegedly—the very powerful quote about the importance of the customer has been attributed to a speech by Gandhi in South Africa in 1890. There are no written records of why he may have said this, or even that he actually did—but equally if this was a misattribution, there is no record of when this happened either.  Still, how many articles have you read that reference Gandhi! And regardless of who said it, the quote is still a great one that perfectly encapsulates what the customer means for a business.

Smart Spotlight: Michelle Kothe on Life at Smart

At Smart Communications, our people are what make us truly Smart. Through our Smart Spotlight series, we highlight team members whose talent, dedication, and collaboration drive innovation and shape our culture. 

This month, we’re excited to feature Michelle Kothe, Engineering Manager for SmartIQ. Michelle shares her journey from running her own business to leading a talented technical team, what’s kept her at Smart for nearly a decade, and how teamwork and curiosity fuel her success. 

1. What is your role at Smart and how long have you been with the company? 

I am the Engineering Manager for SmartIQ, I manage a group of technical teams in the engineering department who all work on the SmartIQ product. These teams between them do everything from adding new features to the SmartIQ product, evaluating and implementing customer enhancement up to working with Support to fix customer bugs, keeping our testing platforms working and managing and ensure regular product releases on schedule or hotfix patches if needed. I see my role as helping each team by getting any roadblocks out of their way and ensuring they have all the support and resources needed to do their jobs. Ultimately the quality of the software at each release is my responsibility. 

I have been with the company since 2016 when it was Intelledox, prior to being acquired by Smart Communications. I worked as a Software Engineer in that capacity. 

2. What did you do for work prior to joining Smart, and why did you make the switch? 

I ran an online accommodation booking business with my husband, sister, and brother-in-law for about eight years. After selling that business, I did consulting work on short-term projects before joining Smart.  

I made the switch because consulting was unpredictable with frustrating contract extensions and unknowns. I prefer the stability and flexibility of full-time work at Smart, where I love the product and company culture. 

3. What’s kept you at Smart? 

I love problem solving, the variety of challenges, the team environment, and the company’s great vibe and flexibility. I’m grateful that Smart supports work-from-home and treats employees with respect and understanding. Dealing with people who are reasonable and want you to enjoy your job is part of what creates that excellent culture we enjoy here at Smart. 

4. What skills are needed to be successful in your role/on your team? 

To be successful in this role, you really need a balance of technical ability and teamwork. Everyone in the engineering teams has a core set of IT and problem-solving skills, but what really makes them all functional is how they respect each other’s strengths and know when to rely on one another.  

Problem-solving in IT takes a particular mindset — you have to be analytical and curious, but also collaborative. It’s about understanding that no one person has all the answers, and that the best solutions often come from combining different perspectives. 

I focus on ensuring everyone has a clear understanding of their tasks and roles and that they know they can rely on me to get them what they need and when they need it or find the right person. I also have to keep a close eye on overall quality and how new features, fixes and improvements interact with the existing code to ensure that customers can rely on and trust our product. 

5. What’s your favorite aspect of your job? 

My favorite aspect is the thrill of solving complex problems, like tracking down the cause of an issue after weeks of investigation and implementing fixes that improve the product. 

6. What are you doing when you’re not working? 

I do a lot of triathlon training including swimming, running, and cycling. I also do volunteer work occasionally, travel with my husband, and enjoy spending time with my family. I have a daughter and a son, and my niece has lived with us for many years. My son is finishing his engineering degree, and my daughter and niece both work in government roles related to IT and policy support. 

If you’re interested in joining our dynamic team, we invite you to explore our current opportunities on our Careers page. 

 

 

Call Me, Maybe? Why Clear Customer Communications Matter More Than Ever

By Dani Duffy, Content Marketing Manager at Smart Communications 

If you’re the parent of a young adult like I am, you’ve probably witnessed the same scenario: they’ll do just about anything to avoid calling customer service. 

They’ll search FAQs, open a chat, or send a message before picking up the phone. That behavior is a signal, not a phase. 

Customers increasingly expect interactions to be digital-first, on-demand, and frictionless. In our latest benchmark research, 67% of customers said they’re likely to use digital self-service options, with that number climbing to 76% for Gen Z and 77% for Millennials. 

But choosing digital channels doesn’t mean lowering expectations. Customers expect those experiences to make sense immediately without additional effort on their part. Sound familiar? 

That’s where smarter storytelling comes in. Regardless of channel, whether it’s a printed letter, an email, or a text, customers don’t simply receive communications. They interpret them and decide (within seconds!) whether to engage or ignore.  

Remember: winning organizations tell clearer, more relevant stories designed for how modern customers behave. 

What the Data Says 

If customers are avoiding traditional support channels, communications suddenly carry more responsibility. They’re not just informing people; increasingly, they’re replacing conversations altogether. The data from our benchmark research makes that shift difficult to ignore. 

Perhaps the most telling finding is that customers often seek assistance not because they prefer human interaction, but because the communication itself didn’t get them where they needed to go in the first place. 43% say they contacted customer service instead of completing a process digitally because communications were unclear. 

That becomes even more important when viewed alongside generational preferences. Younger audiences aren’t just adopting digital channels; they actively prefer them. 

Likelihood of using digital self-service for tasks like asking questions, filing complaints, or making changes: 

  • 76% of Gen Z
  • 77% of Millennials 

And when processes still require manual effort, patience starts to disappear quickly. 

Percentage saying it’s important for organizations to offer digital data collection instead of printing, scanning, or mailing forms: 

  • 72% of Gen Z
  • 81% of Millennials 

Taken together, these findings suggest something larger than a channel preference shift. Communication volume isn’t shrinking. It’s simply moving into different places and taking on different forms. 

Customers still need guidance. They still need reassurance. They still have questions. 

They just increasingly expect the answers to come through intuitive digital experiences rather than phone calls. 

Why Does Storytelling Matter More Than Ever? 

Storytelling is grounded in how people process information. Research in psychology shows that when individuals engage with a narrative, they experience “narrative transportation,” becoming mentally immersed in the message. In that state, they’re more likely to understand, remember, and act on what they’re seeing. 

Just as importantly, stories reduce friction. Instead of forcing people to interpret dense or fragmented information, a well-structured narrative presents a clear sequence: what happened, what it means, and what to do next. Studies have found that this format lowers resistance and improves comprehension, making it easier for audiences to engage without second-guessing or seeking additional support. That matters even more in a digital-first world.  

Spotify offers a useful example on how to transform customer behavior into a personalized narrative through its “Wrapped” campaign. Instead of receiving statistics, users received a story about themselves. The result was more than 500 million engaged users within 24 hours, with sharing activity increasing 41% year over year. This doesn’t mean your organization needs a viral campaign. Rather, it’s a sign that customers engage deeply when communication with a brand feels personal, contextual, and built around them. 

As customers increasingly favor quick, self-service interactions over phone calls, communications need to do more of the heavy lifting. Your communications are more than touchpoints; they’re stand-ins for conversations. The organizations that get those conversations right are designing them as intuitive, story-driven experiences that guide customers to action. 

What Does Smarter Storytelling Look Like, Practically? 

Smarter storytelling means making every interaction easier to understand and easier to act on. That starts with context, using customer data to make communications feel relevant rather than generic. It requires structure, guiding people through a clear sequence of what happened, what it means, and what to do next.  

It also means adapting experiences to the channel itself, recognizing that a text message, email, mobile experience, and printed communication each create different expectations. Increasingly, the most effective communications also become interactive, allowing customers to move directly from understanding a situation to resolving it. 

Customer Service Isn’t Disappearing 

Customer service still matters, and it always will. 

But for a growing segment of customers, support is becoming something they prefer to avoid rather than rely on. Communications increasingly need to do the work conversations once did. 

The question isn’t whether you’re communicating. It’s whether your communications are doing the job of a conversation. Delivering communications this way requires more than document generation. Organizations need to personalize content, orchestrate delivery across channels, and guide customers toward the next best action.  

Ready to explore the latest digital experience insights? 

For more coverage on customer communications, data intake, channel preferences, and more, access the full Benchmark Research here. 

Frequently Asked Questions 

Q: Why do customers contact customer service instead of using self-service? 

When communications lack clarity or structure, customers are more likely to disengage or seek support through alternative channels. In many cases, unclear messaging becomes the trigger for customer service contact, increasing operational load and frustration. This is why communication design directly impacts both customer satisfaction and service demand. 

Q: How can organizations operationalize smarter storytelling at scale? 

Organizations can operationalize smarter storytelling by combining customer data, workflow automation, and channel orchestration. This enables communications to be dynamically personalized, consistently structured, and automatically delivered through the most appropriate channel. Scalable storytelling also requires governance to ensure tone, clarity, and compliance remain consistent across journeys. 

Q: When should customers still be routed to human customer service? 

Human customer service remains essential when issues are complex, emotionally sensitive, or require judgment that automated systems cannot provide. While smarter communications can resolve many routine interactions, they should be designed to reduce — not eliminate — the need for human support. The most effective models combine self-service resolution with clear escalation paths to human assistance when needed. 

Q: How does Smart Communications help regulated industries increase communication clarity and storytelling relevance? 

SmartCOMM™ and SmartPATH™ help turn individual communications into connected customer journeys. 

How Should Insurers Prepare for More Frequent Natural Disasters? Improving Customer Engagement Before a Claim Happens

By Eileen Potter, VP of Insurance Marketing at Smart Communications 

In the first part of this series, we explored how an increasingly volatile global catastrophe environment – spanning hurricanes, wildfires, floods, severe storms, and other natural disasters—is placing new pressure on insurers to rethink how they engage with customers when they’re dealing with a loss. 

But the most effective catastrophe response strategies don’t begin when a claim is filed.  They begin long before a disaster occurs. 

The experience a customer has during a claim is often shaped by what they learned months earlier: how their policy was explained, how expectations were set, and whether they were given clear guidance on what to do if something goes wrong. 

Preparation, in this context, is not just operational. It’s about what the experience is like for your customers. 

Why is Customer Education So Important Before a Catastrophe Event? 

One of the most common causes of customer frustration during a claim is uncertainty about coverage. 

Many policyholders don’t fully understand:

  • What their policy covers
  • What exclusions apply
  • What deductibles they are responsible for
  • What documentation is required during a claim
  • How the claims process works 

And although insurers can (and should) be thoughtful about creating policy packets that are easy to navigate, much of the language in those documents is regulated, with insurance-specific terms that aren’t always easy for a customer to clearly interpret.  

Clear, concise policy summaries – provided at purchase and reinforced at renewal – can significantly improve understanding. Instead of relying solely on the actual policy documents, insurers can offer practical explanations of:  

  • Coverages and limits
  • Specific exclusions
  • Claims expectations
  • Important deadlines
  • Recommended next steps after a loss 

This isn’t about removing necessary details. It’s about making critical information easier to understand and act on. 

When customers understand their policy in advance, they are better prepared to act quickly and confidently during a loss, regardless of whether that loss is caused by wind, fire, water, or another hazard. 

How Can Proactive Communication Improve Catastrophe Preparedness? 

Customer engagement should not begin when a hurricane warning is issued or wildfire evacuation orders are announced.  Leading insurers engage customers before disaster strikes. 

Proactive communications can help policyholders prepare for potential loss events by providing guidance on: 

  • Documenting homes, vehicles, and personal property
  • Securing homes against specific risks such as wind, fire, or water damage
  • Understanding deductibles, coverage triggers, and limits
  • Preparing for evacuation scenarios where relevant
  • Knowing how and where to initiate a claim
  • Understanding available self-service options 

These touchpoints are relatively simple – but they shift the nature of the relationship. 

Rather than engaging only when something goes wrong, insurers provide value in advance. This helps build trust and positions the insurer as a partner in preparedness, not just a provider of coverage. 

Additionally, preparation is most effective when it is regionally relevant. 

Customers in wildfire-prone areas require different guidance than those in flood zones or hurricane corridors. Tailoring communication based on geographic risk ensures that it is not just proactive – but that it is meaningful.  

Where Do Most Customer Experience Breakdowns Occur? 

In many cases, they occur when customers are simply trying to find information. 

During or after a disaster, policyholders often need to access policy details, confirm coverage, or check claim status quickly. Yet that information is frequently scattered across multiple systems, emails, and portals. 

This introduces unnecessary friction at the worst possible time. 

The challenge is even greater for insurers operating across multiple regions, where systems and customer touchpoints may differ by market. 

A better engagement model provides a single, reliable way for customers to access what they need. Policy information, communications, and next steps should be easy to find, easy to understand, and consistent across channels. 

Channel flexibility is equally important. Customers should be able to engage through mobile, web, messaging, or voice – without losing continuity or having to restart the conversation. 

How Does Better Customer Engagement Improve Retention? 

Customer engagement during disruption does not just shape the immediate claims experience – it influences long-term relationships. 

When communication is clear, guidance is actionable, and information is easy to access, customers feel more confident navigating difficult situations. That confidence builds trust. 

In contrast, confusion, delays, and disconnected experiences can create lasting dissatisfaction, even if the claim itself is ultimately resolved. 

In an environment where customers may experience multiple disaster events over time, consistency in engagement becomes a key differentiator. 

Trust is not built in a single interaction. It is built through repeated, reliable experiences. 

What Should Insurers Do Next? 

An increasingly active and complex catastrophe landscape is placing new demands on insurers–not only in how they assess and manage risk, but in how they engage with customers across regions and event types.

The organizations that respond most effectively will be those that treat customer engagement as a core capability, not just an operational function. 

Because when a disaster occurs, customers are not just looking for coverage. They are looking for clear answers and someone to help them figure out what to do next–and what matters is whether the claims experience works the way customers need it to. 

Frequently Asked Questions 

Q: Why is customer education important before a natural disaster or insurance claim? 
Customer education helps policyholders better understand their coverage, deductibles, exclusions, and claims process before a loss occurs. When customers understand their policies in advance, they can make faster and more informed decisions during a disaster. 

Q: How can proactive communication improve catastrophe preparedness? 
Proactive communication helps insurers provide guidance before a disaster occurs, including information on preparing property, documenting assets, understanding coverage, and knowing how to file a claim. Early communication can reduce confusion and improve customer readiness. 

Q: Where do insurance customer experience breakdowns typically happen? 
Customer experience breakdowns often occur when policyholders struggle to find important information such as coverage details, policy documents, or claim status updates. Disconnected systems and inconsistent communication can create unnecessary friction during stressful situations. 

Q: Why is access to policy information important during a disaster? 
Customers often need immediate access to policy details and claims information during a catastrophe event. Making information easy to find and consistent across channels can help customers take action more quickly and confidently. 

Q: How does better customer engagement improve insurance customer retention? 
Clear communication, accessible information, and consistent experiences help build customer trust over time. Strong engagement before, during, and after a claim can strengthen long-term relationships and improve customer retention.

Comparing Smart Communications and OpenText: What Matters Beyond Technology

By Scott Draeger, SVP of Product Marketing and Vertical Solutions at Smart Communications 

Choosing the right customer communications management (CCM) platform requires evaluating more than product features. The best CCM vendors combine strong technology with industry expertise, proactive customer success, transparent product roadmaps, and long-term strategic partnerships. Organizations replacing legacy CCM platforms (like OpenText) often prioritize these factors alongside technical capabilities. 

Smart Communications has earned recognition for its best-in-class technology, technology that’s backed up by customer references, leader placement in analyst reports on AI, and innovation awards. But, selecting a CCM platform involves more than evaluating features and architecture alone.  

The real differentiators come down to whether your vendor understands your industry, listens to your unique challenges, and invests in your long-term success. Technology provides the foundation, but your vendor partnership determines whether you build something that lasts.  
 
As we grow, many of our newer clients have decommissioned legacy technology from OpenText in favor of SmartCOMM™ and SmartIQ™. If your goal is to choose a strategic partner that can elevate your customer experience, not just supply technology, start with these three questions:   

1. Does Your CCM Vendor Understand Your Industry? 

Many CCM vendors treat all customers the same, running the same implementation playbook, same support approach, and same compliance advice regardless of industry context. They react to your regulatory questions rather than anticipating them and strategizing with you to determine the best way to navigate change. 

Given increasingly complex compliance considerations, organizations operating in regulated industries like insurance, healthcare, financial services, and government, must look beyond platform functionality and evaluate whether vendors bring meaningful industry expertise to the relationship. Industry context can influence everything from regulatory preparedness to implementation approaches and communication strategies. 

Smart Communications supports customers through dedicated Vertical Specialists who maintain active engagement across their respective industries and track regulatory developments that will impact your business months or years before implementation deadlines arrive: 

 With Smart Communications, your concerns are heard and understood by people who understand your organization’s compliance context, competitive pressures, and customer expectations because they work exclusively in your industry. 

2. Does Your Vendor Provide Strategic Customer Success Models? 

Organizations increasingly expect customer success models that extend beyond reactive support, but many vendors lack the professional services expertise to provide detailed sector-specific guidance. In contrast, Smart Communications assigns Customer Success Managers who work proactively with customers to identify opportunities for optimization, share relevant resources, and support long-term value realization. 

When additional expertise is needed, your CSM can engage with our Vertical Specialists to support the industry-specific challenges and evolving business requirements. Your CSM also guides you to new content and information relevant to your specific situation: case studies from similar organizations, regulatory updates affecting your communications, new capabilities that address challenges you’ve mentioned. This active partnership model means you’re not just getting support; you’re getting strategic guidance from people who know your industry and are aligned to your outcomes. 

3. Is Your Vendor Transparent About Its Product Roadmap? 

A vendor that doesn’t understand your shifting needs and share its roadmap leaves you unprepared for the future. With account manager churn destroying institutional knowledge at many vendors, misalignment with customers becomes inevitable as technology, regulations, and industry trends shift. 

Smart Communications supports customers through ongoing engagement models intended to strengthen alignment and future planning. 

Visibility into future platform direction helps your organization make more informed technology decisions. We provide customers with insights into roadmap priorities and opportunities to provide feedback that can help shape future investments.  

Relationship continuity plays an important role in long-term success. Our customers benefit from consistent points of contact who understand their business goals, operational requirements, and evolving priorities over time. 

We also invest in customer communities and peer collaboration through annual events like INNOVATE, where customers across the globe can exchange implementation approaches, optimization strategies, and industry perspectives.   

How Smart Communications Compares to OpenText 

Evaluation Area 

Questions Organizations Ask 

Smart Communications’ Approach 

Migration experience 

How much effort may be required to move from existing environments and modernize communications? 

Smart Communications supports organizations moving from legacy environments while helping simplify and modernize communication ecosystems. 

Partnership approach 

Does the relationship extend beyond transactional exchanges like issue resolution and implementation support? 

Customers work with Customer Success Managers and broader teams focused on long-term adoption and value realization. 

Industry specialization 

Does the vendor bring industry-specific knowledge and regulatory understanding? 

Dedicated Vertical Specialists support regulated industries including insurance, healthcare, financial services, and government. 

Customer engagement 

How does the vendor create opportunities for ongoing collaboration and knowledge sharing? 

Smart Communications provides customer forums and events designed to encourage collaboration, learning, and feedback. 

Roadmap visibility 

Can customers understand future platform direction and provide input? 

Customers receive visibility into roadmap priorities and opportunities to provide feedback on future investments. 

Independent Recognition of Smart Communications  

Smart Communications is regularly evaluated by independent analyst firms across customer communications management, workflow automation, and digital archiving capabilities.  

These recognitions provide third-party validation of platform capabilities and ongoing    investment in innovation: 

  • Entry into Customer Engagement Platform markets: Recognized for evolving beyond traditional CCM into broader customer experience orchestration where OpenText’s CCM technology is not featured, like Customer Engagement Platforms and Landscape for Customer Engagement Platforms Healthcare. 

  • Multiple new appearances: Earned consideration in new markets as our integrated portfolio drives value as a combined offering instead of a disparate set of acquired businesses. 

These recognitions reflect how the platform is evaluated across multiple categories relevant to regulated customer communications. They also highlight a broader market shift toward cloud-native, AI-enabled customer engagement platforms that extend beyond traditional CCM capabilities.  

What Separates Success from Expensive Disappointment 

Technology creates the foundation for customer communications transformation, but many organizations also evaluate the expertise, guidance, and partnership models that help maximize value over time.  

Smart Communications combines technology investment with industry knowledge and ongoing customer engagement to support organizations as they evolve their communications strategies over time.  

Ready to Meet the Team? 

To learn more about us and how we can develop a strong partnership, reach out today. 

Frequently Asked Questions

Q: What should I look for in a customer communications management vendor? 

CCM applications often last for years, so you need a vendor that has a long track record of delivering technology ahead of trends, innovating to the regulations impacting your organization, and helping clients maximize the value of the technology they provide.  

Q: Is technology the only factor when choosing a CCM platform? 

Definitely not. If the technology isn’t supported by a team that knows about all the changes impacting your industry, applications, and customers; you won’t be able to communicate at the scale and scope you want to serve your clients. Look for an organization with excellent account managers, strong support, post-sale success teams, and vertical experts who interface regularly with the development teams. Seek vendors with awards from customers in similar industries with similar applications, public case studies, and video testimonials. 

Q: Why do organizations replace legacy CCM platforms?

CCM platforms are often in place for 10 years or longer. Organizations replace legacy technologies for a variety of reasons, including: 

  • Consolidating single-channel solutions to meet omnichannel expectations
  • End of support announcements with expensive migrations
  • Declining investment in legacy product lines
  • Lack of industry-specific developments or expertise 
  • Simple upgrades require rewriting contracts or purchasing bundles of unrelated capabilities
  • Surprise invoices for routine events like relocations, mergers, or reorganizations  

Q: Why is product roadmap transparency important? 

Product Roadmap transparency is critical for planning for the future. A vendor with a customer-facing roadmap, active Customer Advisory Board, and vertical experts who understand the industry is in position for long–term vendor customer alignment. Vendors must understand customers to ensure successful adaptations to whatever the future brings for technology, regulations, and customer preferences. 

Is Your Customer Engagement Strategy Ready for an Era of Extreme Weather and Natural Disasters?

By Eileen Potter, VP of Insurance Marketing at Smart Communications 

Across the globe, increasingly volatile and unpredictable natural disasters are no longer isolated events. From hurricanes in the Atlantic and typhoons in Asia to wildfires in North America and Australia, flooding across Europe, and severe convective storms in the Midwest, the frequency, scale, and geographic spread of catastrophic events are intensifying. 

For insurers, this shift doesn’t just translate to higher claims volume. It creates sustained pressure on the entire customer experience, often across multiple regions and lines of business at once. 

When disaster strikes – whether it’s a hurricane landfall, a wildfire evacuation, a flash flood, or an earthquake – the relationship between an insurer and its policyholders is tested in real time. Customers aren’t just evaluating their coverage. They’re evaluating how well they’re supported when they need help the most. 

Today, that evaluation is more than just what insurers communicate. It’s how, when, and across which channels those interactions occur. The organizations that succeed in these high-pressure moments are not just responding faster. They’re engaging differently. 

Why Are Natural Disasters Creating New Customer Engagement Challenges for Insurers? 

Natural disasters create immediate and often simultaneous spikes in demand. Call centers become overloaded. Claims volumes surge. Policyholders – many dealing with damage, displacement, or urgent decisions – need answers quickly. 

Policyholders need answers to questions such as: 

  • How do I file a claim?
  • What does my policy cover?
  • What documentation do I need?
  • When will my claim be reviewed? What happens next? 

At the same time, insurers experience: 

  • Increased claims volumes
  • Higher call center demand
  • Greater pressure on adjusters and support teams
  • Large-scale outbound communication requirements
  • Operational strain across multiple regions 

For global insurers, these challenges frequently occur simultaneously. An organization may be responding to tornadoes in North America while managing wildfire claims in Australia or earthquake-related losses in Europe. But regardless of the type, they all share a common outcome: a rapid escalation in customer need. 

Customers do not have time or patience to interpret policy language, search for documents, or navigate fragmented systems. What they need is clear, direct guidance that helps them understand what is happening and what to do next. 

Yet in many organizations, communication still depends on disconnected systems and manual (or only partially automated) processes. Emails go unread. Physical mail becomes irrelevant. Updates are spread across portals, call centers, and messaging platforms with little coordination, resulting in delay and confusion. 

To meet the demands of a more complex catastrophe landscape, insurers must move beyond isolated communications toward a more adaptive and connected engagement strategy. 

Why Clear Communications Aren’t Enough 

Clarity remains essential, but it is no longer sufficient on its own. The greater challenge is delivery. 

Policyholders don’t all receive or engage with information in the same way, especially during disruption. Some customers may not have access to traditional communication channels and rely entirely on their mobile devices, while others respond best to messaging platforms or real-time updates 

These differences are even more pronounced across global markets where infrastructure, digital maturity, and communication preferences vary widely. 

Modern engagement requires more than simply sending a message. It requires ensuring that the message reaches the customer through the right channel at the right time. 

It also requires continuity. 

Too often, communication channels operate independently, creating fragmented experiences. A policyholder may receive one update via email, another through a self-service portal, and a third via a call center – with no clear connection between them. 

A more effective approach treats engagement as an integrated experience. Information follows the customer, not the channel. Interactions are connected, consistent, and easy to navigate, regardless of how or where they occur. 

Dive into the 2026 Customer Experience in Insurance Benchmark Report to learn more about how policyholders want to interact with your brand and what their expectations are.

How Can Insurers Handle Claims Surges Without Overwhelming Teams? 

While customer expectations increase, internal teams are under growing pressure. 

During catastrophic events, brokers, adjusters, and support staff are stretched thin. Without the right systems and workflows, responding quickly and consistently becomes difficult. 

Preparation is critical, but so is integration. 

Insurers that invest in connected technology environments are better equipped to scale. When data, workflows, and communications are aligned, teams can respond more efficiently without increasing manual effort. 

This is particularly important for multinational insurers operating across different regions, regulatory environments, and business units. A fragmented approach becomes exponentially harder to manage at scale. 

Standardized communication templates, real-time visibility into customer data, and coordinated workflows reduce the need for rework and duplication. Instead of searching for information or recreating responses, teams can focus on resolving issues and supporting customers. 

Automation plays an important role – not by replacing human interaction, but by streamlining repetitive tasks. When routine processes are handled efficiently, teams have more capacity for the conversations that require empathy, judgment, and reassurance.

And in moments of disruption, that’s what people remember. 

The Real Takeaway for Insurers 

An increasingly active and complex catastrophe environment does more than increase risk exposure – it makes it more challenging to meet customer expectations. 

Policyholders expect fast answers, clear guidance, and easy access to information, regardless of where they are or what type of disaster they are experiencing. 

Meeting those expectations requires more than improving individual touchpoints. It requires rethinking customer engagement as a connected, end-to-end experience. 

In Part 2, we‘ll explore what insurers can do before a disaster occurs to reduce friction during a loss – focusing on proactive communication, helping customers better understand their coverage, and making sure they can easily find the information they need when they’re dealing with a claim. 

Frequently Asked Questions 

Q: Why are natural disasters creating new challenges for insurance companies? 

Natural disasters are increasing in frequency, severity, and geographic reach, leading to higher claims volumes and spikes in customer inquiries. Insurers must manage increased operational pressure while continuing to provide timely support and communication. 

Q: How do natural disasters affect the insurance customer experience? 

Natural disasters can create delays, confusion, and communication bottlenecks if insurers are not prepared. Customers often need immediate guidance on claims, coverage, and next steps during stressful situations. 

Q: How can insurers manage large increases in claims volume? 

Insurers can manage claims surges by using connected systems, standardized workflows, and automation to reduce manual work. These approaches help teams respond more efficiently while maintaining consistent customer support. 

Q: What is an omnichannel customer engagement strategy in insurance? 

An omnichannel customer engagement strategy connects interactions across channels such as email, mobile messaging, portals, and support centers to create a consistent experience. This helps customers receive accurate information and support regardless of how they engage. 

Q: Why is proactive communication important for insurers? 

Proactive communication helps customers understand their coverage, next steps, and available resources before and during disruptive events. Early communication can reduce confusion, improve response times, and strengthen customer trust. 

What the 2026 Insurance Benchmark Report Revealed About Customer Experience

By Eileen Potter, VP of Insurance Marketing at Smart Communications 

If you’ve spent time talking to insurance leaders recently, you’ve likely heard a familiar mix of priorities: digital transformation, AI, personalization, efficiency. None of that is new. What‘s new is the widening gap between these priorities and what customers report they’re actually experiencing. 

The 2026 Benchmark Report on Customer Experience in Insurance puts a spotlight on that gap informed by thousands of consumer responses across regions. And, the takeaway is pretty clear: insurers are making progress, but not fast enough – or not always in the ways that matter most to customers. 

Customers Aren’t Against AI, But They’re Not Convinced, Either 

There’s a lot of excitement about AI in insurance, especially for improving efficiency across claims and policy servicing. But customers are approaching it with caution, necessarily so. 

For example, 85% of consumers say it’s important to know when AI is being used in their interactions. That’s not a minor preference – that’s a baseline expectation. Transparency matters.  

At the same time, confidence in AI dipped compared to last year. Less than half of customers feel confident about AI handling their data securely. Further, concerns about privacy, errors, and a lack of human oversight remain high.  

Here’s the nuance: people aren’t rejecting AI. They’re saying, “Use it when it helps me, and be upfront about it.” 

They’re also clear on what “help” looks like: 

  • Faster responses
  • Better personalization
  • More accurate information 

If AI delivers those things, customers are open to it. If not, it just feels like another layer of complexity. 

Data Collection Remains Harder Than It Should Be 

This is one of the most surprising parts of the report. With all the investment in digital tools, you might expect data collection processes – forms, applications, claims intake – to be a solved problem. 

They’re not. 

Only about a third of customers say insurance forms are easy to complete. That is especially concerning, considering 61% say they’re likely to abandon an interaction if the process is too difficult.  

These are moments that directly impact new business, retention, and satisfaction. 

Here’s what frustrates people most: 

  • Having to enter the same information multiple times
  • Forms that take too long
  • Processes that can’t be saved and restarted
  • Requests for irrelevant or redundant information 

But when companies get this right, the payoff is huge. Customers are far more likely to stay loyal, recommend the company, and even buy additional products. 

So, this goes beyond an operational issue and becomes a growth lever when resolved. 

Digital Is an Expectation, Not an Option  

Another theme that comes through clearly: customers don’t see digital experiences as a bonus. They see them as standard. 

About 73% say it’s important to have digital options to submit information instead of only manual processes like printing and mailing forms.

And 68% prefer digital self-service over calling for common tasks.  

That preference skews even higher among younger generations, but it’s not limited to them. Across age groups and regions, the direction is the same. 

It goes beyond just “being digital.” Customers want: 

  • The ability to save progress and come back later
  • Real-time assistance
  • Pre-filled information when possibl
  • Easy access to submitted forms and past documents 

In other words, they want experiences that feel as seamless as what they get from retail, banking, or travel platforms. 

Customers Notice Communications Are Slipping 

One of the more concerning findings is that satisfaction with the communications they receive from their insurers dropped significantly year-over-year. 

Only 50% of customers now rate insurer communications as very good or excellent, down from 60% the previous year.  

That’s not a small dip – that’s a signal. 

Why does this matter? Because communication is where the relationship actually shows up. It’s how customers experience your brand during policy updates, billing questions, and especially during claims. 

And those moments aren’t neutral. They’re often stressful or emotional. 

The report highlights a few consistent issues, like: 

  • Messages aren’t always clear
  • Information can feel inconsistent across channels
  • Customers aren’t always getting communications in their preferred format 

And when communication falls short, customers take action. About 62% say they’re likely to switch providers if communications don’t meet expectations.  

That’s a direct link from CX quality to churn. 

Friction is Everywhere – And It’s Costing You 

If there’s one theme that ties the entire report together, it’s friction. 

Customers are running into it across the journey: 

  • Repeating information when switching channels
  • Starting over when moving from mobile to desktop
  • Struggling to find documents or check status updates 

In fact, 88% of customers say it’s important that their information carries over seamlessly between channels.  

And yet, satisfaction with omnichannel experiences is just above 50%. 

So, there’s a clear gap between expectation and reality. 

This is where a lot of technology modernization efforts stall. Systems don’t talk to each other, processes aren’t fully connected, and the experience feels fragmented – even if each individual piece works fine on its own. 

Here’s What Insurers Can Do 

The report doesn’t just highlight challenges, it points toward practical next steps. A few that stand out: 

1. Be Intentional About AI Use 
Don’t deploy it just because you can. Focus on use cases that clearly improve customer experience and explain how it’s being used. 

2. Fix The Basics of Data Collection 
Streamline forms, reduce repetition, and make it easy to start, stop, and resume. This is one of the fastest ways to improve both CX and conversion. 

3. Treat Communications as a Strategic Priority 
Clarity, timing, and relevance matter more than ever. And meeting customers on their preferred channel is table stakes. 

4. Reduce Friction Across the Journey 
This means connecting systems, eliminating silos, and designing for continuity across channels—not just optimizing individual touchpoints. 

5. Build Trust Through Transparency and Reliability 
Whether it’s AI, data usage, or simple process visibility, customers want to feel informed and in control. 

The Bottom Line 

There’s no shortage of innovation happening in insurance right now. But the report makes one thing clear: customers don’t evaluate the sophistication of innovation – they care about its impact, specifically how simple, helpful, and trustworthy it feels in their experience. 

The insurers that close that gap between what’s being built and what customers actually experience are the ones that will stand out. 

To hear more about these insights and how you can apply them at your organization, join me for a webinar on June 23rd at 11 AM ET. You can register for the webinar here.  

2026 Healthcare Benchmark Report Reveals Customer Experience Progress, Preferences, and Pitfalls

The 2026 Healthcare Benchmark Report is almost ready, and it reveals in detail what over 4,000 consumers around the globe think and feel about their experiences with healthcare payers and providers. 

The biggest benefit of fielding a survey over multiple years is the longitudinal look it yields. That long-term perspective shows that, when it comes to customer experience and engagement, consumers concede payers and providers have made some progress.  

They also shared how they prefer to be engaged with and where healthcare organizations (HCOs) could provide better digital customer experiences. Let’s dive in. 

Customer Experience Is a Leading Indicator of Loyalty and Advocacy 

Firms like Forrester Research and Gartner have long linked customer experience to business outcomes. The Benchmark Report reinforces this relationship, as evidenced by a few data points below: 

  • 86% say customer communications are important to their overall experience
  • 80% are likely to recommend an HCO if communications exceed expectations
  • 52% are likely to switch HCOs if communications do not meet expectations 

Here, communications include outbound communications (e.g., correspondence), inbound communications (e.g., forms), and two-way communications (e.g., SMS exchanges). And clearly, they’re important to consumers. So much so that when HCOs do a great job, customers are willing to recommend them to family and friends. Yet, poor communications (more on this in the full report, which will be available June 16) have been shown to drive customers away. 

Healthcare is a Relationship Business, and Relationships Are Built on Trust 

Healthcare is arguably the industry where trust matters most to relationships. Consumers are at their most vulnerable when they engage with providers and payers. HCOs know the most intimate details about their customers. Preserving trust means keeping customers for their lifetime. Breaking that trust comes with consequences. 

The Benchmark Report provides a fascinating look into trust. Here are some salient stats: 

  • 65% of consumers say they always or sometimes trust their HCOs
  • 61% say they trust HCOs more if they offer a consistent omnichannel experience
  • At 94%, accuracy of communications received was the top driver of trust 

The survey revealed several other key trust drivers, some scoring nearly as high as accuracy. But we shouldn’t be surprised to see accuracy at number one. Think about what drives calls or complaints, and accuracy (sometimes called “clarity”) is often at the top. 

Additional Insights Contained in the 2026 Healthcare Benchmark Report 

Our research report covers a lot of ground, including: 

  • The use of AI for customer engagement and communications
  • Channel preferences, including when communicating PII and PHI
  • Digital self-service preferences and requirements
  • How consumers feel about the forms HCOs use
  • Accessible digital experience awareness across generations 

The report is broken down into several areas and presented in an interactive format that makes consuming and contextualizing the data a breeze. In each section, we call out key stats and provide our high-level analysis for your consideration. 

Webinar Highlights Actionable Data in the Benchmark Report 

Catch the webinar on June 25th, where we expand on the benchmark data, analyze findings, and put them in context. If you can’t make it to the live event, or if you’re reading this after that date, we’ve got you covered. You can use the same link to register to access the on-demand version.