Banking Technology Magazine | Banking CIO Outlook
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NOVEMBER - 20209support inquiries it may encounter, because a virtual agent is merely an imperfect facsimile of a resource we've been using to solve our problems for thousands of years: human expertise.A company's virtual agent generally shares many traits in common with a human who is an expert in that company's product or field. Both possess vast amounts of useful information. Both are able to share that information with customers who need it. However, only the human expert possesses our unique ability to interpret data, synthesize information, and devise creative solutions and empathetic responses to problems. Like all human interaction, customer engagements are full of "edge cases," inquiries and requests that are simply impossible to predict and catalogue in a pre-written content library. These edge cases call for good, old-fashioned human expertise.Frustrated Customers Require More Content libraries enable virtual agents to provide customers with the information they need, but that's not enough to deliver a complete, optimal customer experience. Virtual agents also need to understand intent -- e.g. what the customer is actually asking -- in addition to robust language libraries to present information in a way that is both easy to understand, and aligns with a brand's values and tone of voice. When it comes to customer support in particular, frustrated or unhappy customers don't just need solutions -- they need empathy and respect. Yet once again, even the most extensive, thorough, meticulously-constructed library is insufficient to address the full spectrum of customer emotions that a virtual agent may encounter. As language libraries and intents are built up over time, virtual agents can certainly learn to better respond to unhappy customers with empathy. However, a virtual agent doesn't inherently have this ability, and can easily make the customer even more upset, exacerbating an already irksome experience. Many consumers still avoid interacting with virtual agents for these very reasons. In a recent survey of call center agents, 85 percent of survey respondents agreed that customer web-to-phone escalation often involved a frustrated customer requiring a live agent to deal with complex issues. 82 percent of survey respondents also felt that customers sought the reassurance that human interaction brings to the conversation. The facts speak for themselves. Virtual agents may be unbeatable when it comes to tackling simple problems at scale, but unless they have the data necessary to handle a particularly complex question or an especially emotional customer, they still need human help. This is where human oversight becomes imperative.Combining AI Solutions with Human ExpertiseToday, the best customer experience management is being performed by companies that combine AI- and human-powered services and customer support. These companies use virtual agents to filter out repetitive, straightforward customer engagements at scale--allowing them to provide 24-hour service at minimal cost. However, they also ensure that virtual agents are ready and able to escalate issues to their human counterparts when customer needs exceed the virtual agent's capabilities, ensuring a more positive experience overall. It will take time for artificial intelligence to advance to a stage where its able to tackle complex problems with the sensitivity and respect that customers demand. Until then, AI will continue to have a big role to play in customer support, and so will human intelligence. BC
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