A good company satisfies its customer, but one at the top of the ladder delights its customer with the offered products and services. A customer feels happy when you understand him but is overjoyed when his emotions and beliefs are understood.
Hence, providing an exceptional product or service is not enough. But offering your customers the timely assistance, instant solutions and easy services are things what they expect from you in addition.
If you have a call centre, chances are that you might have to deal with a lot of unhappy, irate and unsatisfied customers. There can be numerous reasons for the same such as-
Poor customer service
Customers finding it difficult to reach the customer service department, etc.
Therefore, you must change the way you operate your call centre and should incorporate some innovative tactics to improve its operation.
5 top call centre improvement tactics
Enlisted below are the tactics that are found to be used by top call centre outsourcing companies. Let’s see what they are-
Identify your target audience and create buyer personas
If you don’t know who your target audience is, how would you resolve your customers’ query? So it’s pivotal to first identify the target audience and gather some useful insights about them. This will help you create your buyer personas and understand why customers prefer you over your competitors. You must know the kind of customers you are serving and what you are doing to make their life easier.
The best way to understand your audience would be to put yourself in their place. You would be able to perceive everything from customers’ point of view.
Conduct a call centre root cause analysis
In order to identify the real cause behind the problem that call centre faces, it’s important to conduct a root-cause analysis. If the root cause of the problem is identified, then the recurring issues can be eradicated permanently. Basically, root cause analysis is associated with three elementary questions:
What is the problem?
Why did it occur?
What steps could be taken to prevent it from recurring?
Therefore, call centres must perform root cause analysis to provide splendid customer services to the patrons.
Find out additional expectations of customers
As I mentioned above, excellent product and services aren’t the only things that customers look for. But they want something extra that can give them a wow experience. Such things could be 24 hours customer support, first-call resolution, simple and easy service etc. There are customers who don’t want to contact agents to get their problems resolved, instead they want to solve their problems on their own. For such customers, the finest call centre outsourcing companies provide their customers with self-help options so that the latter can resolve their problem on their own.
Use Artificial Intelligence to improve the quality of the call centre
When a call centres’ quality takes a dip, then its manager hires quality assurance experts to improve the call centre’s quality. In fact, it’s a very good strategy but do you really think hiring a large number of agents for quality assurance would be efficient? Absolutely no, if we talk of its scaling.
However, leveraging the power of artificial intelligence could be helpful in improving the quality of the call centre.
If we believe the reports of Narrative science, 80% of executives agree that AI improves employee’s performance and create jobs.
Artificial intelligence can be used to store, collect and link deep customer intelligence that will help quality assurance teams to perform at a higher level of efficiency.
Ask your customers for feedback
Well, this is one of the most important aspects that are helpful in making customers happy and in improving the call centre’s efficiency. When agents ask feedback, the customers feel delighted because the latter think that their opinion holds some importance to the business. However, for businesses, a customer feedback can be helpful in improving the quality of offered products or services.
The above-mentioned tactics are basics and must be employed by every call centres if they want better productivity with both quality and efficiency.
How To Get Rid Of Debts With The Best Debt Management Program
Sometimes you have so much money that you think, how you can swim in money like Scrooge McDuck. Sometimes you have to take the extreme of bankruptcy. Hardly anyone can say that he is immune to financial ruin. Lack of job opportunities, increasing cost of living and other factors can bring financial difficulties in your everyday life. If you are buried deep under debt, you want to get rid of them as quickly as possible.
A debt management plan is one of the ways you can beat financial challenges due to debt. You will sit with a credit counselor and he will create the best debt management program after evaluating your financial situation. It is a plan you can easily afford. The counselor will negotiate with all of your lenders. This program will allow you to make lower payments possible. You will be able to get rid of your debt in three to five years.
Instead of sending money to different lenders, you will make one monthly payment to the debt management company. Now, it is their job to make monthly payments to your lenders and creditors. The company can get more favorable terms for you such as longer repayment periods and lower interest rates. So, having the best debt management program makes your life simpler as you are paying less money and making only one monthly payment.
Though it will hurt your credit score, it is not as damaging as a bankruptcy. As your loan balances start to decrease, your credit score starts increasing.
One thing you should keep in mind is that not all loans are included in this program. A debt management plan does not include secured debts. Student loans and some other unsecured loans are also not included.
Creating Your Debt Management Plan (DMP)
Finding A Credit Counseling Agency
Don’t work with any random credit counseling agency that has called you yesterday. Make sure that it is a member of the NFCC (National Foundation for Credit Counseling). It should be a reputed credit counseling agency having an excellent track record. Your lenders and credit issuers should be able to trust the agency.
The first credit counseling session is often free. Always ask about the fee of subsequent sessions and documents you have to bring.
What To Expect During Counseling
When you are meeting your counselor for the first time, you need to bring bills for each lender, your recent pay stubs and banking statements. It is good to have a copy of your credit report. Telephone meetings and web meetings are also very common. So, you might not have to see your counselor in person. In this forty-five minutes to an hour-long initial session, the counselor will assess your debts, incomes, and expenses. The counselor also pays attention to the interest rate you are paying. After doing all these assessments, the counselor develops an action plan according to your financial goals. Your lenders are not involved in this session.
Making A Choice And Getting Started
The counselor will tell you about the pros and cons of all the available options. You can take your time to make the final decision. In case the credit counselor is pushing you to make an immediate decision, you are working with the wrong company. Carefully consider the debt solution you are choosing. Does your budget allow you to stick to the DMP?
What if the plan fails?
You will be in a worse position. So, act wisely.
Putting Together the DMP
If you choose to go for a debt management program, the counselor will ask for more detailed information to set up the best debt management program for you. You need to tell about the lenders you are including, bank account statements, medical bills, and credit card bills. You cannot miss any of your expenses. Make sure that you are comfortable with the due date.
Start Making Payments
Though you have to make only one monthly payment, it should be made on time. So, get used to following your new budget. Your credit counseling agency will negotiate and reach agreements with your lenders. Keep in mind that not all lenders will accept your plan. Once the lenders agree, start making payments.
Don’t ignore the fact that the debt management program is not the only solution for you. If it is right for you, go for it.
How to Get a Personal Loan with Low Credit Score
Personal loans are extremely popular financial solutions, as you need not pledge any assets to avail them. However, as lenders do not have any collateral to fall back on in case you default on the loan, they approve loan applications after gauging your repayment ability. One of the important ways in which they do this is by checking your credit score.
Your credit score is a number between 300 and 900 that reflects your creditworthiness. In other words, it indicates your debt handling capabilities by considering your ongoing debts and your repayment behaviour on loans and credit card dues. If you have a score below 750, lenders may hesitate to offer you the loan amount that you seek and they may also charge you a higher interest rate. So, it is very important for borrowers to check credit scores before applying for a loan.
If you have a poor credit score, consider these points before applying for a personal loan.
Look for a guarantor or opt for a joint loan
When you apply for a loan with a co-applicant or a guarantor, you improve your chances of getting a personal loan on pocket-friendly terms. When selecting the guarantor or co-applicant, remember to select someone with a high income and a good credit score. This way, the lender will be assured of timely repayment.
Prove your repayment capacity
While lenders check credit scores of all personal loan applicants, they also check your employment details and salary slips to ascertain your repayment capacity. This is because a steady job and a higher salary directly impacts your ability to repay personal loan EMIs on time. So, when you have a low credit score, you can strengthen your loan application by showing a reliable source of income via your job as well as other sources. If you manage to prove that your income has increased in the recent past or you have other sources of income using which you can successfully repay the personal loan, then despite a poor credit score, you can enjoy approval.
Request for a lower loan amount
Lenders do not favour the combination of a large loan amount and a poor credit score. Keeping this in mind, ask for a lower loan amount when you have a low credit score and you may find it easier to get your application approved. To decide on the amount, plan your requirements in advance. Then use an online personal loan calculator to determine the loan structure that works in your favour.
Appeal for an NA or NH consideration
Your credit score is based on your credit history, which is how you have handled debt in the past. A lack of any activity in this regard for the last 3 years will leave an NA or NH mark on your credit report. In such a case, your CIBIL report may lack a credit score altogether. You can speak to your lender regarding this status and request them to reconsider your application.
Apply after improving your score
One of the best ways to proceed is to work on boosting your credit score before applying for personal loans. Try paying your EMIs and credit card bills on time, avoid defaulting on your debts, and abstain from applying for multiple loans all at once. Keep in mind that several ongoing loans on your name can lower your score. Moreover, your credit report may contain errors or may not have the updated information on loans you have paid off, which impacts your credit score. Therefore, keep an eye on your credit report and rectify mistakes to see your score improve.
If you’re facing a medical emergency and do not have enough time to improve your credit score, you can consider applying for a loan from NBFCs who have simpler eligibility criteria. Apart from offering instant funding, NBFCs provide an array of attractive features. For instance, Bajaj Finserv offers personal loans of up to Rs.25 lakh at nominal interest rates and tenors ranging up to 60 months.
With easy-to-meet personal loan eligibility criteria and minimal documentation, you can apply for a loan quickly and easily here and even enjoy the features of a flexi personal loan. This allows you to withdraw funds from your total loan in parts, multiple times. Interest is incurred only on the amount you withdraw, and you can choose to pay interest-only EMIs, thus reducing your EMIs by 45%. To make the most of instant loan approval, check your pre-approved offer. This customised deal ensures you get the financing you need without any hiccups.
Tips to Write a Product Review for Promoting
An affiliate marketer can promote his online business by writing enticing product reviews. It is true that there are other ways to promote one’s online business and make the target readers aware of one’s products and services. You can resort to website content writing, blog writing and posting, article writing and E book writing for making your products and services popular among target audience. But, writing reviews can actually help to boost your affiliate marketing business. However, it is found that online readers express doubts about the product reviews found online. The reason is many have been cheated by fabricated reviews. It is true that in many instances marketers have tried to hoodwink the readers either through exaggeration or by fabricating facts.
Although, readers have revealed their doubts, product reviews are still considered to be essential for promoting a product or service. The readers read the reviews and cautiously take their decisions before purchasing and using a product. That is the reason why we need to write authentic, high quality and exceptional reviews to make our products popular among the consumers and, at the same time, urge them to purchase our products. Now, what are the methods you should follow for writing a product review? Well, here are some tips which you can consider while reviewing a product.
Need to Have a Well- Structured Affiliate Website
A well structured website can surely help in writing review. To put it in simple words, a good website contains ample information that helps the affiliate marketers to write good and authentic reviews. Moreover, when you have ample information, you know exactly what to include in your reviews, which can attract the readers. However, while using the information from the website, do no copy it exactly, but try to structure the review in your own style- a style that can entice the consumers.
Consider The Needs and Demands of the Target Readers
Before you start writing a review, you should try to understand your readers well. Your reader might be a novice who is least interested about the technicalities. He is only interested in the basics. Write your review according to the demands of the readers. In addition, maintain an informal style of writing, rather than being overtly professional. You are actually helping the consumer to understand a product and then, encouraging him to purchase it read more here. So try to be informal and use simple language.