9. Phase Carefree spending Saving for something Carefree spending Reserve fund saving Carefree spending
Goals and
actions
Emotions
Needs To feel satisfaction To achieve goal To be independent To reword To feel secure To compensate
Frustrations Loss aversion !! Hyperbolic discounting Loss aversion !! Hyperbolic discounting
Opportunities Saving is a virtual buy Self-ful鍖llment motive Saving is a virtual buy Fear motive
CJM example for Helen Wish who wants to save, tries but systematically fails
Spend
money
Save more Enjoy an
achievement
Blame herself
Save as much
aspossible
Blame herself
Understands that spends all
she earns, get scary
Spend all
earned
Aware and make
decision to save
Spend on
something else
Buy Spend on
something else
Save on
payday
弌仍仂亢仆仂 1: 个仂仄舒 亳 亠仄亳仆仂仍仂亞亳
21. 弌仍仂亢仆仂 3: 从舒亢亟仂仄 仗仂亟舒亰亟亠仍亠仆亳亳 于仂亶 CJM
10
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1. E2E Digital Journey Map
Example output: Current journey map
Current journey
Setup Support ManageInform and apply Journey stages
Expressed from bank perspective e.g., Trigger and
customer view I decide and apply for the account
Customer pain points
Highlighted at each sub stage. High points and low
points identified; often includes emotions
Process pain points
Backend process issues that cause each pain point
Process Description
Description of current backend process for each
major channel
Opportunity areas
To demonstrate sufficient coverage of opportunity
areas, may be helpful to map across journey map
Customer Experience
Baseline
2.1.1
Not for client distribution
亳仂亟亳亠
于BCG