AI and Digital Transformation in Banking: Towards Intelligent and Secure Experiences

In the dynamic world of banking and finance, Artificial Intelligence (AI) has become an essential tool for redefining the customer experience in 2025. The rapid digitisation of the sector, combined with the growing demand for personalisation, efficiency and security, has boosted the use of AI as a key enabler for improving the interaction between banks and their customers. From the automation of services to the anticipation of financial needs, AI has emerged as the driving force transforming the way consumers interact with financial institutions.

This article explores how AI is revolutionising the banking and finance sector in 2025, making interactions more agile, personalised and predictive, while optimising operational efficiency and improving the overall customer experience. In this context, MST Holding is leading the implementation of advanced AI solutions through tools such as Run Assist / Knowledge Assistant and RunBot, enabling banks to improve their customer service with automation and natural language processing technologies.

The Banking Contact Centre of 2025: The Evolution Towards Financial Personalisation

In 2025, bank customers expect a completely personalised experience. AI-driven personalisation is no longer an option, but a crucial expectation for consumers in the financial sector. Banks can now offer more individualised attention thanks to real-time collection and analysis of customer data.

AI in banking contact centres allows institutions to offer accurate financial recommendations based on past behaviour and customer trends. It is no longer just a question of knowing who the customer is, but of anticipating their financial needs. Tools such as MST Holding’s Knowledge Base and Run Assist facilitate access to structured information and accelerate the transfer of knowledge between agents and customers, reducing response times and improving the quality of the information provided.

Proactive Transformation with Predictive AI: Prevention of Financial Problems

Predictive AI is transforming the banking sector by enabling institutions to anticipate customer needs before they arise. By analysing large volumes of data, banks can identify patterns and predict behaviour, enabling them to act proactively to offer personalised solutions.

MST Holding, with its focus on data analysis and intelligent automation, helps financial institutions implement predictive AI to optimise customer service and offer solutions before customers have to ask for help. Run Assist / Knowledge Assistant Plus enables banks to anticipate questions and offer relevant information before the customer requests it, improving the user experience and optimising operational efficiency.

AI and Financial Advisers Working Together: A Hybrid Approach to Customer Service

Although AI is playing an essential role in the automation and personalisation of services, human contact is still fundamental in the banking sector, especially when it comes to complex issues or strategic financial advice. By 2025, the banking Contact Centre service model is moving towards a hybrid approach, where AI and financial advisors work together.

MST Holding facilitates the implementation of this approach through technological solutions that integrate AI with human expertise in an efficient manner. Thanks to its process automation platform, advisors can quickly access accurate and relevant information, improving the quality of interactions and enabling faster resolution of complex issues.

Reducing Friction in the Customer Journey: A Seamless Omnichannel Experience

The banking experience of 2025 is characterised by the need for a seamless and frictionless omnichannel interaction. AI in the banking sector enables this continuity, optimising interactions across multiple channels.

MST Holding, with its experience in the development of multichannel platforms, has worked with various sectors, including banking, to create solutions such as RunBot, a virtual agent that enables the efficient management of simple and repetitive queries 24 hours a day. In addition, its solutions enable banks to manage interactions consistently across all channels, ensuring a seamless, high-quality customer experience.

AI to Improve Feedback Management and Customer Loyalty

Thanks to AI, banks can analyse feedback more efficiently and in real time, identifying patterns in customer interactions that may indicate opportunities for improvement or potential risks.

MST Holding’s advanced solutions, which include real-time data analysis and automated feedback tools, enable banks to manage these types of interactions efficiently. In addition, their ability to integrate AI into customer service systems allows banks to adapt their processes and products to changing market needs.

Optimising Operational Processes with AI: Increasing Efficiency in Financial Management

Operational efficiency is fundamental in the banking and financial sector, and AI is playing a crucial role in its improvement.

MST Holding has been a strategic ally for many financial institutions in this regard, providing intelligent platforms that automate and optimise complex operational processes. Thanks to solutions such as Knowledge Base and Run Assist, banks can reduce costs and improve efficiency in their internal operations.

A Future of Intelligent and Secure Financial Experiences

By 2025, AI has transformed the banking sector by offering personalised, predictive and secure experiences. The key to success lies in the ability of financial institutions to integrate AI in an ethical and responsible manner. MST Holding continues to be an example of how to efficiently integrate AI into the financial world, providing solutions that not only improve the customer experience, but also allow banks to stay ahead of the game in this digital age.

www.mstholding.com

MST Holding Technology Solutions: Leadership in Automation and Customer Experience

MST Holding is a benchmark in the Business Process Outsourcing (BPO) industry, standing out for offering innovative technological solutions that optimise the management of processes throughout the value chain. Its technological tools are designed to automate, improve operational efficiency and enhance both the customer and employee experience. With secure, robust and customisable omni-channel platforms, MST Holding is transforming the way companies manage their customer services in dynamic, demanding and unpredictable environments.

Technology Infrastructure: Robust Solutions for the Contact Centre

At the core of MST Holding’s solutions are tools designed to ensure that customer services are efficient, scalable and secure.

Run Channel: The Omnichannel Platform

Run Channel is a comprehensive technology solution that centralises the management of all communication channels, providing a seamless experience for both agents and customers.

Key features:

  • Centralised management: From a single platform, multiple channels such as voice, chat, social media and email can be monitored.
  • Decentralisation of work: It facilitates teleworking and the management of distributed teams, adapting to the current needs for work flexibility.
  • Real-time monitoring: Enables real-time monitoring of call queues, equipment and metrics, ensuring proactive management of resources.
  • Interaction control: Unify interaction history to deliver more personalised and consistent care.
Runtick: Efficient customer management

Runtick is a software designed to optimise the management of queries, complaints and requests through a ticketing system. This solution ensures that no request is lost and improves operational productivity.

Key benefits:

  • Automated prioritisation: Tickets are organised according to urgency and severity, streamlining the resolution of critical issues.
  • Real-time monitoring: Facilitates efficient monitoring of each case, ensuring that clients receive quick and clear updates.
  • Personalised history: Each request includes the client’s complete history, allowing us to offer a service tailored to the client’s needs.
  • Integrable: with our customers’ existing technologies.

Knowledge Management: Knowledge Base (Run Wiki)

Knowledge is a fundamental pillar to guarantee quality customer service. MST Holding knows this, and therefore integrates tools such as Knowledge Base (Run Wiki) that organise and provide structured access to information in real time.

Key benefits:

  1. Reduced response times: Agents can quickly access key information to resolve queries in an agile manner.
  2. Quality of responses: Provides standard and customised data, tailored to customer and service needs.
  3. First contact resolution: Reduces the need to escalate cases, improving efficiency and reducing waiting times.
  4. Increased customer satisfaction: Improve key metrics such as NPS (Net Promoter Score), CSAT (Customer Satisfaction) and CES (Customer Effort Score).

Run Assist: Generative Artificial Intelligence to Anticipate Needs

Run Assist – Knowledge Assistant Plus is a platform that combines artificial intelligence (AI) and natural language processing (NLP) to anticipate customer needs. Its ability to analyse data and contexts in real time allows it to provide proactive solutions before the customer makes a request.

Key applications:

  • Proactive response to common queries.
  • Intelligent suggestions to personalise customer interaction.
  • Improved efficiency by reducing reliance on human agents for repetitive tasks.

Smart Automation: Run Bots

Automation is essential to reduce costs and optimise resources in high-demand environments. MST Holding uses virtual agents, such as Run Bots (Voicebots and Chatbots), designed with generative AI to handle simple, repetitive interactions 24 hours a day, 365 days a year.

Advantages:

  • Continuous attention: They guarantee 24/7 accessibility, improving the customer experience.
  • Optimisation of human resources: Agents can focus on high value-added interactions, while bots solve less complex queries.
  • Cost reduction: By reducing reliance on human agents for repetitive tasks, operational costs are significantly reduced.
  • Shorter waiting times: Automation eliminates bottlenecks in care, providing immediate responses.

Intelligent Quality Control: eAlicia Quality and Surveys

MST Holding takes quality control to another level with eAlicia Quality, a solution that uses advanced speech and text analytics to evaluate interactions in real time. This tool, powered by generative AI, ensures that companies can make decisions based on data, trends and common patterns.

Key benefits:

  • Sentiment analysis: Identifies emotions and signs of dissatisfaction in real time, enabling immediate corrective actions.
  • Scalability of audits: The sample of audited interactions increases from 1-3% to 100%, providing a broader and more objective view of agent performance.
  • Optimisation of the incentive system: By having a larger and more objective sample, a fair remuneration for care teams is ensured.
  • Real-time feedback: With eAlicia Surveys, companies can collect and analyse the voice of the customer, acting quickly to reverse potential dissatisfaction.

Training and Continuous Development: eAlicia LMS and University

Agent training is essential to guarantee a quality service. MST Holding uses the eAlicia LMS platform to manage training processes in a personalised, automated and dynamic way.

Key components:

  1. eAlicia University: eLearning platform that offers training in soft and hard skills, adapted to the needs of each client.
  2. eAlicia Bots: AI-powered systems that help train agents through hands-on simulations.
  3. Automation of training processes: Trainers can focus on strategic tasks, while the platform automates repetitive tasks.

Impact on the operation:

  • Continuous improvement in the performance of agents.
  • Reduction of errors and learning times.
  • Increased customer satisfaction through more professional and efficient customer service.

MST Holding: Pioneers in the Digital Transformation of the Contact Center

MST Holding’s technology solutions demonstrate its commitment to quality, innovation and operational excellence. From omni-channel platforms such as Run Channel to generative AI automation solutions such as Run Bot, the company has designed an ecosystem that responds to current market needs, enhancing the customer experience and optimising business resources.

In an environment where efficiency and customisation are key, MST Holding is positioned as a strategic partner for companies seeking to transform their operations and achieve the highest level of competitiveness. With tools designed to guarantee quality, automation and continuous training, the company reaffirms its leadership in the BPO and customer service sector. In short, MST Holding offers not only technology, but a holistic vision that combines innovation, intelligence and efficiency, ensuring sustainable results and a superior experience for both customers and employees.

www.mstholding.com

Artificial Intelligence in the Contact Center: Towards an Ethical and Efficient Synergy at MST Holding

Artificial intelligence (AI) is radically transforming the world of contact centers, and MST Holding is no exception. From implementing bots to handle simple queries to advanced voice analysis to detect emotions and anticipate customer needs, AI has opened a new horizon of efficiency and improvement. However, with the introduction of these technologies, a crucial question arises: how can we ensure that their use is responsible, ethical, and aligned with the company’s values?

The development of AI-based technologies has created countless opportunities for businesses, including optimizing agents’ time and improving service quality. However, the improper or unreflective use of AI can generate ethical and operational risks that could jeopardize customer relationships and the company’s reputation. In this article, we explore the challenges posed by AI in customer service and propose a practical and ethical approach to navigate this new terrain.

Challenges of AI in Customer Service

The use of AI in contact centers brings a series of risks that must be carefully managed. One of the most evident challenges is training on data. If the algorithms used to train the AI are based on unrepresentative data, we could face discrimination issues, leading to inaccurate or inappropriate responses for certain demographic groups. In a customer service environment, where user trust and satisfaction are fundamental to success, this is an unacceptable risk.

Another significant challenge is data privacy. AI-driven technologies, such as bots and emotion analysis systems, require large amounts of information to function correctly. However, customers expect their personal data to be secure and protected. At MST Holding, we understand the importance of safeguarding this information, and we take our ethical and legal responsibility to ensure that customer data is used correctly and always with proper consent very seriously.

Furthermore, the implementation of AI raises the question of how automation might influence the human experience. Although AI can handle repetitive tasks and free up agents to focus on more complex interactions, we must not fall into the trap of thinking that the human touch is dispensable. At MST Holding, we firmly believe that human value in customer service is irreplaceable, and we ensure that AI complements, rather than replaces, our teams.

Human interaction is an essential element in creating authentic connections with customers. While machines can efficiently solve simple problems, they cannot replicate human empathy and creativity (at least, not with precision yet), which are key elements in managing complex or emotional situations. This is a critical consideration as we move toward a more automated future.

Principles for Ethical AI at MST Holding

To ensure the responsible use of AI at MST Holding, we have developed a series of key principles that guide our operations and ensure that the technology is aligned with our corporate values.

1. Transparency: Clarity in Interactions

Customers have the right to know if they are interacting with a human or a machine. At MST Holding, we are committed to being clear and honest about when AI is being used and when a human agent intervenes. This not only avoids confusion but also reinforces customer trust in our operations. Transparency is a fundamental pillar in our strategy to ensure that our customers feel valued and respected.

2. Data Protection: Security and Privacy

Cybersecurity and data protection are key aspects of any modern operation, and MST Holding is no exception. In addition to complying with international data protection regulations, we ensure that customer data is kept secure at all times. We understand that our customers’ trust heavily depends on how we handle their personal information, so data protection is not only an ethical priority but also a crucial element of our long-term business strategy.

3. Elimination of Bias: Towards Inclusive and Accurate AI

One of the most important challenges we face in implementing AI at MST Holding is eliminating bias in the algorithms and data we use. Biases can be subtle, but their impact on the customer experience can be significant. If not properly managed, biases can lead to unfair or unsatisfactory interactions, negatively affecting the company’s perception.

The Origins of Bias in AI

Bias in AI mainly arises from the data used to train algorithms. This data often reflects human behavior and social realities, which means it can contain implicit prejudices. For example, if a customer service bot has been predominantly trained with interactions from users of a specific region or demographic group, it may not respond optimally to customers from other cultures or contexts. This could lead to interpretation errors, inaccurate responses, or even discrimination.

At MST Holding, we recognize that biases are not always evident initially, so we have implemented a proactive and continuous approach to identifying and correcting these issues. This process includes constant review of our datasets and ongoing monitoring of algorithms to ensure that the responses they generate are inclusive and accurate. We are committed to ensuring that our AI is a tool that reflects diversity and equity in every interaction.

4. Human Oversight: The Importance of the Human Touch

While AI is a powerful tool, it must always be under the supervision of our human teams. At MST Holding, agents play a crucial role in making critical decisions and managing sensitive situations, ensuring that the human touch remains at the core of our customer interactions. AI can offer speed and efficiency, but it is human training and oversight that ensure empathy and adaptability in every conversation.

An Ethical Culture from Within

At MST Holding, we understand that technology cannot be implemented in isolation; it must be integrated into a strong corporate culture that values ethics and responsibility. That is why we have developed a series of initiatives to train all levels of the company, from developers to customer service agents, on the ethical use of AI.

MST Holding’s agents are not merely users of AI tools; they are active participants in their development and improvement. Their practical knowledge of customer interactions is invaluable in ensuring that AI is used in a way that truly enhances service quality without losing the human touch that defines us.

The Future of AI at MST Holding

The future of contact centers is promising, and at MST Holding, we are committed to leading this change with an ethical and responsible vision. AI has the potential to make our agents’ work more efficient, allowing them to focus on what truly matters: providing exceptional service to our customers.

For this promise to be fulfilled, we must place ethics at the center of every technological decision. At MST Holding, we firmly believe that long-term success is tied to a trusting relationship with our customers, and that trust can only be achieved through conscious and responsible use of technology.

Conclusion

In summary, artificial intelligence in MST Holding’s contact centers is not just a tool to improve efficiency; it is a catalyst for an ethical transformation that places both the customer and the agent at the heart of our operations. If we achieve this balance, we will not only ensure customer satisfaction but also a sustainable future for our company and the customer service industry as a whole.

The challenge we face is not simply implementing new technologies, but doing so in a way that reflects our values and fosters long-term trusting relationships with our customers. AI has the potential to radically transform our sector, but only if it is implemented ethically, responsibly, and inclusively. At MST Holding, we are committed to leading this path.

www.mstholding.com

Conversational AI in the Contact Centre: Transforming the Customer Experience in MST

Conversational artificial intelligence in the contact centre, through chatbots, voicebots and digital assistants, is revolutionising the way companies interact with customers in pursuit of efficiency and continuous improvement in the Customer Experience. MST carries in its DNA advanced technologies such as artificial intelligence (AI), natural language processing (NLP) and machine learning; allowing these innovations to generate more natural and effective interactions between humans and machines, thus significantly improving the customer experience (CX).

What is Conversational AI?

Conversational AI refers to technologies that enable systems to understand and respond to human language in a natural way. Unlike traditional bots, which follow pre-set scripts, conversational AI can understand context, interpret intent and generate appropriate responses autonomously. This not only facilitates the automation of routine tasks, but also enables more personalised and efficient interaction with customers.

Key Components of Conversational AI for MST

1. **Artificial Intelligence (AI)**: We incorporate systems capable of performing tasks that normally require human (agent) intelligence, for appropriate decision making and pattern recognition in order to provide feedback to our client. MST’s AI, in this context, uses learning algorithms to continuously improve its capabilities with the help of the internal development team that ensures continuous improvement.

2. **Natural Language Processing (NLP)**: This technology allows machines to understand, comprehend and generate human language in context. It includes techniques such as natural language understanding (NLU) to interpret the meaning of words and natural language generation (NLG) to create coherent and natural responses.

3. **Machine Learning (ML)**: Enables MST AI to learn from the data collected and improve as we accumulate interactions over time, which is crucial for adapting and refining responses to improve accuracy in customer interactions.

Benefits of Conversational AI for MST customers

– Task Automation: MST’s conversational AI can handle repetitive tasks with customers, autonomously answer frequently asked questions or escalate queries to the appropriate departments, reducing agent busyness so they can spend their time on more complex tasks with customers. In other words, it improves service productivity, reduces the TMO of interactions, reduces the SLA of attention as well as the SLA of abandonments, among others.

– Improved Customer Satisfaction: CSAT is increased because you can provide 24/7 service coverage, allowing customers to get fast and accurate answers at any time. And in terms of efficiency impacting CSAT, FCR (first contact resolution) improves. So if you improve CSAT, you improve the overall customer experience.

– Knowledge Acquisition: Our clients can analyse large volumes of data generated from interactions with their customers to identify patterns, trends and areas for improvement. This facilitates informed decision making and product and service optimisation. That’s why our consulting team is available to address these issues and provide control, propositions and agility to our customers with their customer service.

– Natural Interactions: MST’s conversational AI enables more fluid and natural communication, reducing the frustration often caused by traditional bots. By better understanding language and context, this technology provides more accurate and appropriate responses.

– Accessibility and Inclusion: It can be considered an invaluable tool for people with disabilities or for those who prefer not to interact directly with agents because of the simplicity of the resolution.

Ethical Challenges and Considerations

While conversational AI is an accelerator in service that offers numerous benefits, it also presents challenges and challenges that need to be considered in service:

– Accuracy and Naturalness in Responses: Ensuring that responses are accurate and natural is fundamental to maintaining customer confidence. This requires continuous development and permanent accompaniment in the service.

– Linguistic problems: The diversity of accents, dialects and slang complicates accurate understanding of the language, requiring resources for recurrent training.

User Apprehension: Some customers may be reluctant to interact with bots. Understanding this situation and helping the customer overcome this barrier requires continually improving the quality of interactions and demonstrating the usefulness of conversational AI.

– Bias and Discrimination: It is crucial to develop these technologies in an inclusive way and thus to avoid reinforcing prejudice or discriminating against certain groups.

– Security and Privacy: Data protection is a priority for MST. We secure interactions and data collected by protecting against unauthorised access.

– Impact on Employment: At MST we believe that the automation of tasks through this technology redefines the role of the agent, giving them a greater role in tasks of greater added value and reducing their psycho-emotional stress. In fact, this technology also opens up a range of new jobs in the sector that will have to be taken into account in the coming months and years. This technology requires professionals to develop it, train it and keep it effective.

Conclusion

Conversational AI represents a significant advance in the way companies can interact with their customers. Having a partner (contact centre) that has technologies such as this ensures that your company has more satisfying customer experiences and services become more efficient. However, the technical and ethical challenges associated with it must not be forgotten and must be addressed to maximise the benefits and minimise the risks. The key is a partner, such as MST, who cares and takes care of a careful, tailored implementation and is always focused on continuous improvement, ensuring that this technology complements the human experience, but does not replace it.

www.mstholding.com

Author: Alberto Expósito – Technology Area Manager

MST is a finalist at the 2024 European Contact Centre & Customer Service Awards

MST is a finalist in four categories of the prestigious 2024 European Contact Centre & Customer Service Awards (ECCCSA), considered the highest recognition in the European customer service and contact center industry. The awards gala will be held in London on November 26.

The ECCCSA

The European Contact Centre & Customer Service Awards (ECCCSA) are the largest and longest-running award program in the contact center sector in Europe. These awards recognize organizations that lead in delivering exceptional service, value their teams, and excel through continuous innovation to improve the customer experience, all while operating efficiently and effectively.

With a robust evaluation process, the ECCCSA are highly esteemed in the industry. Winning one of these awards is considered equivalent to winning an “Oscar” in the customer service world, highlighting their prestige and the recognition they bring to companies that set the standards in customer management.

Awards Evening Night

The awards ceremony will take place at Evolution in the heart of London on Tuesday, November 26, 2024. It promises to be a spectacular evening where industry leaders will gather to celebrate best practices and the most outstanding achievements in customer service and contact center management.

MST Holding: Finalist in 4 Categories

In this edition, MST Holding has managed to become a finalist in four categories, showcasing its commitment to excellence and innovation in the industry. The categories in which it competes are:

  • Best BPO Partnership, highlighting its effective collaboration with other organizations to achieve outstanding results.
  • Best Customer Experience, recognizing its ability to provide an exceptional and memorable customer experience.
  • Most Effective Management of Peak, rewarding MST’s efficiency in managing peak periods without compromising service quality.
  • Most Effective Strategic Transformation, acknowledging its ability to strategically adapt and innovate, significantly improving its processes and structure.

Being a finalist in these categories not only reflects MST Holding’s leadership in the sector but also its dedication to delivering world-class solutions that transform the customer experience. This recognition strengthens its position as a benchmark in the European contact center industry.

www.mstholding.com

marketing@mstholding.com

Successful day of debate on the New Artificial Intelligence Law and the Customer Service Law

Barcelona, May 06, 2024

In a joint initiative between MST Holding, Consulting C3 and SottoTempo, a day dedicated to exploring the scope of the recent Artificial Intelligence Law and the Customer Service Law was held with great success on April 29th in Madrid.

**The new Customer Service Act is a proposal that the current government rescued from the last legislature, when it began to be processed in Parliament, although it eventually lapsed due to the call for a general election in July 2023.. **

The event, which brought together more than 50 leading professionals from various sectors, had as its main purpose to deepen the understanding of these laws, with the participation of Jaime Fernandez, partner of Augusta Abogados. The subsequent debate was structured in a round table composed of experts in the field, who shared their perspectives on the impact of these regulations on both companies and consumers.

The round table was chaired by José Francisco Rodríguez, President of the AEERC (Spanish Association of Customer Relationship Experts); Jaime Fernández Cortés, founding Partner of Augusta Abogados; Sabrina Muñoz, Founding Partner of La Brújula del Conocimiento; and Sergio Poza Martínez, Digital Area Manager of Letslaw. This panel of experts was in charge of exchanging opinions, resolving doubts and enriching knowledge on the subject. Alberto Expósito Medina from eAlicia Worldwide Quality was in charge of the moderation.

Here is a short guide to how the roundtable discussion went.

To start with, our colleague Alberto Expósito encouraged the participants to give a first opinion on the two laws and what they considered most relevant.

Sergio Poza was the first to comment that the two laws are intended to focus on the users. The authorities perceive they need to feel more protected and are launching these laws. For him, these laws are psotive but with a lot of regulatory compliance burden that under his point of view should be simplified so that users get the specific, fair and necessary information.

Sabrina Muñoz explained that all companies have a legitimate fear of AI, but this law places all of Europe on the same page and allows us to compete in a better way. Larger companies are very concerned about data governance and this factor is becoming more complex in issues such as AI, as the technology is often more important than what we do in terms of security, so having a regulatory framework that allows us to work under the same conditions, at least in Europe, can be a positive thing for everyone.

Sabrina Muñoz went on to explain that if companies with business outside Europe want to come to Europe they will have to adapt to these regulatory conditions. “For me it will be positive, although it will be complicated, it will increase the tension, it will make the processes much more complex (but for us and for the competitors coming from outside). It is a regulation that can be improved, but it already establishes a common basis for everyone to work on and that is positive. The AI law helps us a lot to be a line of cybersecurity” argued Sabrina Muñoz.

It was José Francisco Rodríguez’s turn and he began talking about the AI law. According to him, in a world as global as the one we live in, we believe that perhaps there has been too much haste in passing a law when the economic environment that rules in this world, such as the USA or China, is in another league. It may be that for the consumer there are improvements, but from the economic point of view the big investments happen outside Europe. We feel that there has been too much haste in some aspects.

Regarding the Customer Service Law, José Francisco Rodríguez said: “We are a bit bored of being continually hammered with laws. Regarding the 2021 report, which is the same as the current one, the Ministry of Digital Transformation itself said that a Law was not necessary, that it was enough to modify the Consumer Law, which makes sense”.

Jaime Fernández Cortés said that what we see in these regulations is that they start from a fairly clear bias against companies or customer services, it seems  they say  things are done badly and that translates into a regulatory text with obligations that are sometimes disproportionate or are not what would really correspond or could protect consumers and that would be the most negative part. Jaime Fernández Cortés added “I am trying to look for the positive side, these are minimum standard laws, they require a minimum parameter of compliance but above that it is always possible to customize and give value to the customer. Now it is time to make changes and I am sure there are ways to do it that can distinguish us from the competition. Obviously, small companies will have more difficulties in the basic compliance with these regulations, but medium-sized and large companies have the opportunity to create more of a gap”.

Our moderator Alberto asked José Francisco Rodríguez about the work of the AEERC and about the process of meeting with the political groups.

José Francisco Rodríguez explained that it is a much less sophisticated world than we think, “When we meet with legislators we are surprised by the lack of information and knowledge on the subject and many issues remain in anecdotes”. He also explained all the administrative dynamics involved and the complexity of the amendments up to their approval. He concluded by remarking that it is an exhausting and sometimes frustrating issue, but that they hope to achieve the best possible outcome for everyone.

Alberto Expósito guided the conversation towards the more operational side of how these laws impact customer services.

Sabrina Muñoz commented that in the end, the laws imply many small changes that when added together mean really differential changes in the companies. In her opinion this law presents its good and bad aspects, each company depending on the sector in which it is located will have to adapt according to what the law says because it will directly affect our customers and this will affect our day to day service.

 She was joined by Sergio Poza: “We will have the responsibility to choose our suppliers that meet all the requirements. Companies have to take responsibility for what they use at the AI level. We have to carry out an internal study to verify that we comply with everything”.

An important part of the presentation focused on data management.

José Francisco Rodríguez said “I believe the great challenge for the industry in general is data. What this law is achieving is that future access to data that allows the business management of a business, making value propositions and CX better, may be limited. In fact, it may happen that with this type of law there will come a time when there is no data”.

Alberto Expósito posed the question: “Data is important, but where should it be? Where do you think data is most secure?

Sabrina Muñoz was of the opinion the data is safe depending on who works with it. “My doubt is not in where we place the data, in which server, in which system, but in the capacity we have to teach our people what to do with the data and how to protect it. It is very important how our teams are taught to work with the data. We have to teach our people how to work with data and how to work with AI,” remarked Sabrina Muñoz.

Alberto Expósito guided the meeting towards the impact of these two laws at the employment level.

Here all the speakers agreed on the idea that jobs will be eliminated, but many others will be modified and hence the importance of training our agents to work with AI and be better than their competitors. They stressed the idea that AI has not come to take away jobs, it has come to help us become more efficient. “I’m not afraid of AI, I’m afraid of the competitor using AI. Train our people or we are out of the market,” said Sabrina Muñoz.

For Sabrina Muñoz, where we add value, there is the human factor; the rest can be done by AI. Let’s focus our people on that differential value.

José Francisco Rodríguez remarked that the future of AI also depends on the generation with which it interacts. This is a reality that will increase, there will be issues that require a human, but automation will undoubtedly be and is already a reality. We are at the beginning of all this and that is why investments are not yet coming in a clear way in AI.

And to end the debate at the table, our colleague Alberto Expósito made the following reflection: “There is a value that must be differential, which is the customer experience or the experience of the worker within the structure. It is great to move forward, but I believe there is also a fundamental exercise to do, and not to forget the customer, the one who buys from us. It is a complex equation within the quality areas: is it really going to be useful, are you really going to amortize this investment, do you really know how it is going to impact your customer?  It is important to work on this balance, to know our customers and, above all, not to deviate from the minimum quality standards when we incorporate this technology.

With this conclusion, the roundtable discussion came to an end and a light lunch was served, giving all participants the opportunity for dialogue and networking.

The meeting provided an invaluable opportunity to delve into the role of the new laws governing Customer Service and the growing importance of Artificial Intelligence in this area. It was an occasion in which all participants were able to learn and continue to improve the way they serve their customers.

For more information, please contact: marketing@mstholding.com

MST Holding: Humanizing Customer Experience in Digital Times

In the current era marked by rapid digital transformation, MST understands that Contact Centers play a crucial role in the customer experience. The interaction between companies and consumers has evolved significantly, and the challenge lies in finding the perfect balance between the efficiency provided by technology and the human warmth that only personal interaction can offer.

The paradox of customer service in the digital age

Technology has redefined how companies communicate with their customers. Digital platforms, artificial intelligence, and data analysis have enabled brands to reach consumers in ways previously unimaginable. However, amidst this technological advancement, a paradox arises: how to maintain authenticity and human connection in an increasingly digitized world?

The irreplaceable value of human relationships

Human relationships, personalization, and empathy are essential elements in customer service. These aspects, which define the human experience, cannot be replaced by technology. The ability to understand emotions, adapt to unique situations, and provide personalized solutions are intrinsic to human nature. In the Contact Center realm, these qualities translate into a more satisfying customer experience and the building of long-term loyalty.

Technology as a means, not an end

Technology should not be considered an end in itself but rather as a means to achieve broader objectives. In the context of the Contact Center, technological tools can facilitate instant communication, access to relevant information, and process optimization. However, it is crucial to understand that these tools are only part of the equation. The real magic happens when they are seamlessly integrated with the human touch.

The flexibility of technology in customer service

One of the greatest benefits that technology brings to customer service is flexibility in communication. Customers want to interact with brands conveniently and on their own terms. Omnichannel, driven by technology, allows customers to communicate through various channels, whether by phone, online chat, social media, or email. This not only enhances the customer experience but also gives companies the ability to adapt to the individual preferences of their customers.

Intelligent automation to optimize processes

Intelligent automation has become a valuable tool in the Contact Center world. Chatbots, automated responses, and voice recognition systems can efficiently handle queries and repetitive tasks, freeing up time and resources for human agents to focus on more complex and emotional interactions. This combination of technology and human skills not only improves efficiency but also elevates the quality of customer service.

Data analysis to understand the customer

Technology not only facilitates interaction but also provides an abundance of valuable data. Real-time data analysis enables companies to better understand the needs and preferences of their customers. This deep knowledge allows more effective customization of services and products, creating experiences that align with individual expectations. However, it is crucial to remember that data are tools, not final solutions. Human interpretation remains essential to understand the complexity of human emotions and desires.

The challenge of maintaining empathy in the digital age

As technology advances, the challenge arises to preserve empathy in customer interactions. Empathy, the ability to understand and share the feelings of others, is an inherently human quality. Although artificial intelligence can simulate empathetic responses, it lacks the authenticity that only a human being can provide. It is imperative for companies to cultivate a customer-centric culture where empathy is a core value and is fostered in every interaction, whether digital or face-to-face.

Agent training for the digital era

Human capital remains the most valuable asset in the Contact Center domain. Agent training is essential to ensure they are equipped with the technical and emotional skills necessary to provide quality service in the digital era. Training in emerging technologies, along with the development of interpersonal skills, becomes a key component in maintaining the balance between technological efficiency and human connection.

MST Holding, digital era with human authenticity

In this context, where customer service is at the crossroads between technology and human experience, MST Holding has understood the importance of balancing the digital era with human authenticity, apart from its constant commitment to service excellence. MST Holding positions itself as an undisputed leader, providing customer service that combines the best of both worlds. Its ongoing commitment to excellence and innovation makes it clear that the future of customer service belongs to those who know how to balance technological efficiency with human warmth.

Human relationships, personalization, and empathy are aspects that cannot be substituted, but technology offers powerful tools to enhance communication and optimize processes. This comprehensive approach not only improves operational efficiency but also strengthens the emotional connection between brands and their customers, creating lasting relationships in an increasingly digital world.

www.mstholding.com

MST Holding: Undisputed Leader in Customer Management in 2023

In the dynamic business landscape of 2023, effective customer management has become a crucial factor for organizational success. In this context, MST Holding emerges as an undisputed leader with over three decades of specialized experience in customer service. Rooted in a legacy of excellence and forward-thinking vision, MST Holding positions itself as your strategic ally for comprehensive customer management. In this article, we will explore how MST Holding’s 30-plus years of experience translates into innovative and adaptive solutions, positioning you for success in an increasingly demanding and competitive market. Discover how MST Holding not only meets present expectations but also anticipates and satisfies future customer service demands.

In an increasingly digitized world, efficient management of call centers has become essential to ensure a quality customer experience. As we approach the year 2024, various trends are shaping the future of call centers, paving the way for more personalized, efficient, and technologically advanced interactions. Below, we explore some of the standout trends that will define the call center landscape in the coming months.

  1. Artificial Intelligence and Automation: The integration of artificial intelligence (AI) and automation is a trend that has been gaining momentum and will continue to transform call centers in 2024. AI-powered chatbots are becoming more sophisticated, capable of contextually understanding customer queries and providing accurate responses. This not only streamlines the customer service process but also frees up agents for more complex tasks that require a human touch.

Additionally, automating internal processes such as ticket allocation and data management will contribute to greater operational efficiency. The combination of AI and automation not only reduces wait times but also enhances the overall quality of customer service. The implementation of generative AI-based solutions is not just a technological trend for MST Holding but a conscious strategy to elevate service quality. Technology does not replace the importance of human interactions but acts as a valuable complement, freeing agents from repetitive tasks and allowing them to focus on more strategic aspects of customer care.

2. Omnichannel and Unified Customer Experience: In 2024, omnichannel will solidify as a necessity for modern call centers. Customers expect to interact with companies seamlessly across various channels, such as live chat, social media, email, and phone. MST Holding implements omnichannel solutions, enabling agents to access a complete history of customer interactions, regardless of the channel used, facilitating a more personalized and efficient experience.

The unification of data across all channels also facilitates the identification of patterns and trends, which can be used to improve customer service strategies and anticipate customer needs. In summary, omnichannel translates to a more integrated and satisfying customer experience.

3.Sentiment and Emotion Analysis: Understanding customer emotions and sentiments during interactions has become crucial. In 2024, sentiment analysis will be more extensively used in call centers to assess customer satisfaction and tailor responses accordingly. Voice and text analysis tools powered by AI will enable call centers to identify emotional patterns and respond empathetically, improving interaction quality and strengthening customer relationships.

This emotion-based approach can also help prevent issues from escalating by identifying signs of dissatisfaction or frustration. The ability to understand and address customer emotions in real-time becomes a key differentiator for MST Holding in call centers.

4.Real-time Personalization: Real-time personalization will be one of the standout trends in 2024. Advances in data collection and analysis allow MST Holding to adapt interactions instantly, providing personalized responses and solutions for each customer. This not only enhances customer satisfaction but also strengthens brand loyalty.

5.Training and Continuous Development: In the ever-changing environment of call centers, the training and continuous development of agents become essential. Training in technical skills, such as handling AI tools, and soft skills, such as empathy and problem-solving, is a priority for MST Holding from the initial agent contact.

Moreover, MST Holding employs machine learning solutions to continuously assess and improve agent skills, enabling quicker adaptation to changing service demands.

Conclusion:

As we move into 2024, emerging trends in call centers point towards a significant transformation in how companies manage customer care. From integrating advanced technologies to customer-centric attention, organizations that proactively adopt these trends, like MST Holding, will be better positioned to deliver a revolutionary customer experience. For MST Holding, the key lies in adaptability and a willingness to embrace innovation in a world where excellence in customer service is more crucial than ever.

www.mstholding.com

The Customer Service Challenge in the Holiday Season: How to Avoid Collapse

The Christmas season is a time of year that generates great anticipation in the world of e-commerce and retail. From the last quarter, online businesses prepare to make the most of this season, which often represents the majority of their annual income. The backdrop for this holiday period begins with crucial events such as Black Friday, which generally marks the official start of the holiday festivities. Anticipation and careful planning are essential for your eCommerce to thrive amidst intense competition and high demand expected during this time of the year.

Black Friday and Cyber Monday are two of the most prominent days of the year for online stores, as they attract crowds of shoppers in search of discounts and special offers. However, according to the 2022 E-commerce Trends Report, 78% of Spanish e-commerce brands do not feel fully prepared to handle the holiday season. This statistic underscores the importance of proper preparation and a solid strategy to stand out in a competitive market.

What’s surprising is that only 4.5% of Spanish brands begin preparing for the holiday season in late second quarter, which could be considered a strategic advantage. The majority of businesses, 54%, start planning and executing their strategies in August and September, while 40% choose to postpone their preparations until October or November. These data reflect the urgent need for earlier planning and a proactive approach for the holiday season.

The importance of a well-structured strategy and early preparation lies in the growing competition and changing market trends. With more advanced planning, retailers can maximize their sales potential and reach their target audience more effectively. Furthermore, having enough time to adjust and optimize their operations can make a difference in terms of success and profitability.

The Christmas period is particularly crucial for Customer Service and Contact Centers. During this season, a large number of customer calls are received, seeking information about products, placing orders, making inquiries, and resolving issues related to their purchases. Therefore, it is vital to ensure that your customer service team is prepared to handle this surge of inquiries.

A common challenge at this time of year is congested phone lines, endless call queues, and delayed problem resolution. To avoid this situation, having the right number of customer service agents is essential. Responsiveness and the quality of customer service are critical factors that influence customer satisfaction and, ultimately, the success of your business during the holiday season.

The question is: Do you think your business is prepared to face the avalanche of inquiries and customer service requests that are approaching? Don’t fall behind and start organizing your customer service in advance to avoid chaos and line collapses. Preparation and optimization of your customer service operations are essential to provide efficient and quality service, which, in turn, will strengthen customer loyalty and increase your sales during the holiday season.

In this context, it is essential to have a reliable partner to help you organize and manage your customer service effectively. MST Holding is a company that specializes in providing comprehensive solutions for customer service and can be your ally in this crucial season. Their expertise and knowledge in the field allow them to provide high-quality services that ensure efficient and satisfactory customer service.

MST Holding offers a wide range of services and customized solutions to meet the specific needs of your business during the holiday season. From hiring and training customer service agents to implementing advanced support technologies and managing responsiveness, MST Holding can take care of all aspects of your customer service. This allows you to focus on other important aspects of your business, such as marketing, logistics, and inventory management.

One of the advantages of collaborating with MST Holding is their ability to adapt to the changing demands of the holiday season. Since customer service needs can vary significantly as Christmas approaches, having a partner that can quickly adjust responsiveness and resources is a strategic advantage. MST Holding has the flexibility and experience needed to handle fluctuations in customer service demand and ensure that your business provides high-quality service at all times.

Additionally, MST Holding not only handles the day-to-day operation of your customer service but also works closely with you to develop effective and personalized customer service strategies. This involves understanding your customers’ needs and expectations, identifying areas for improvement, and applying solutions that increase customer satisfaction and operational efficiency.

In the current digital environment, customer service plays a crucial role in building strong customer relationships and fostering customer loyalty. The quality of customer service can make the difference between a satisfied returning customer and a dissatisfied one seeking alternatives. The holiday season is a unique opportunity to impress your customers and earn their long-term loyalty.

MST Holding understands the importance of providing exceptional customer service and is committed to helping you achieve it. Their focus on customer satisfaction and optimizing the customer experience translates into tangible results, such as increased customer retention and brand loyalty.

In summary, the holiday season is a critical time for online and retail businesses, as it represents a significant portion of their annual income. To make the most of this season, it is essential to plan and prepare in advance. This includes optimizing your customer service to meet the high demand for inquiries and requests during the holiday season.

MST Holding is a reliable partner that can help you organize and manage your customer service effectively, ensuring operational efficiency and customer satisfaction. Their experience and flexibility make them a strong choice for your business in this crucial season.

Instead of facing endless call queues and customer service collapses, contact MST Holding and let us prepare your customer service for the holiday season on your behalf. With our support, you can focus on boosting your sales, providing high-quality service, and building strong customer relationships, which will translate into greater success and growth for your business during the holiday season. Don’t let the holiday season catch you by surprise; prepare with MST Holding and ensure exceptional performance during this critical time for your business.

Visit their website at www.mstholding.com or contact them at marketing@mstholding.com for more information on how they can help you have a successful holiday season!

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