With 2012 just beginning, the new year is presented for the banking sector as a new era in which entities seriously reflect on new strategies to strengthen customer loyalty. In an environment in which the air is increasingly impregnated with optimism about emerging from the difficult period of reces...

Dear reader, With 2012 just launched, the new year is presented for the insurance sector as a time full of important challenges and commitments, in which, according to the experts, there will be 3 pillars on which the business model will be based. On the one hand, the  regulatory system , where t...

Dear reader, With the memory of the summer holidays still recent, we face the last stretch of this 2012. A year in which the continuous expectations of economic improvements have ended up undermining the spirit and the attitude of exhausted consumers in the face of a not very promising panorama. Th...

The productivity of commercial networks has a direct impact on the results of any company. Increasing this productivity is key to improving results: in fact, almost 80% of the insurers participating in the customer management study carried out by Cognodata in 2012 have carried out or are in the pro...

Dear reader, The efficiency of Spanish banking has been a banner that we have always raised with pride, but the truth is that those times have passed. We must therefore direct our efforts not towards a mere cost reduction, but towards a real improvement in productivity, a new way of doing things mo...

Dear reader, We started the last period of 2012 still immersed in a complicated economic situation, which will most likely condition the growth of the insurance sector in the coming months. At an international level, especially in the eurozone, the results of investments will continue to be affecte...

Currently, banking is one of the sectors with the highest degree of customer infidelity. Some measurements reveal rates of between 2% and 4% in total cancellation of contracts. All in all, these data provided by some entities show an overly optimistic attitude towards the problem, since it must be...

Three years ago we carried out the first edition of the study “Client Management in Spanish Insurers”. Thanks to the participation of 39 entities, we had the opportunity to offer a detailed view of the situation of customer management in the Spanish insurance sector. In 2012 we have decided to ...

1. What are the sectors and products most affected by the VAT increase? The OCU predicts a contraction in consumption because in this situation “every time a product goes up, the consumer stops consuming.” However, it will affect the sectors unequally. Among the most affected will be t...

1. Introduction The commercial productivity of a bank depends on many factors. The size of your network of managers, their training, their positioning, their culture, their internal processes and tools, etc. The business generated and retained by the branch network can have variations of more than...