Description
Social CRM framework reveals which social media platform benefits the dimensions of social CRM and what level of interaction obtains the richest conversation and the best value added.
Social CRM in the Financial Sector
> A Framework for Swiss Banking
12/06/27
Natalie Huong
June 27, 2012 2 D-MTEC / Strategic Management and Innovation / Natalie Huong
“Markets are conversations”
The Cluetrain Manifesto (Levine et al. 2001)
June 27, 2012 3 D-MTEC / Strategic Management and Innovation / Natalie Huong
Swiss Banking Sector > Challenges
! Loss in loyalty and trust
! The new generation customer
! Competitive strategy
! Decreasing entry barriers
June 27, 2012 4 D-MTEC / Strategic Management and Innovation / Natalie Huong
Agenda
! Theory
> Social Media | CRM | Social CRM > Research Question
! Research Design
> Variables | Sample | Method
! Analysis
> Example: Social networking sites
! Results
> Social CRM framework
! Conclusion
> Filling the gap > Managerial implications > Limitations & Future Work
Theory Design Analysis Results Conclusion
June 27, 2012 5 D-MTEC / Strategic Management and Innovation / Natalie Huong
Theory
Theory Design Analysis Results Conclusion
(Greenberg 2009)
CRM focus
Marketing
Sales
Service
Traditional CRM Social Media
(Kietzmann, et al, 2011)
Presence
Relation-
ships
Repu-
tation
Groups
Identity
Conver-
sations
Sharing
Social Media experiences
e
n
h
a
n
c
e
s
i
m
p
a
c
t
s
Value chain
Swiss Banking Sector
(Faase, Helms, and Spruit 2011)
Customer retention & involvement
Infrastructure
Information
Customer management
Customer engagement
Maturity layers of social CRM
creates
constitutes emerges to
Social
CRM
June 27, 2012 6 D-MTEC / Strategic Management and Innovation / Natalie Huong
Theory > Research Question
How can Social CRM add Value in the Swiss Banking Sector?
Theory Design Analysis Results Conclusion
Communication Social media platforms
Regulations
Risks
Financial Sector Enterprise Customer
Case comparison
June 27, 2012 7 D-MTEC / Strategic Management and Innovation / Natalie Huong
Research Design
Theory Design Analysis Results Conclusion
Swiss Banking Sector Social Media CRM Social CRM
Banks Platforms
Scope Variables Sample
Data collection
Data analysis
Theory generation
Expert Interviews Multiple Case Studies Desk Research
Case analysis
i
t
e
r
a
t
i
o
n
Research Data
enfolding
Social Media CRM Social CRM
June 27, 2012 8 D-MTEC / Strategic Management and Innovation / Natalie Huong
S o c i a l C R M c o r e t o p i c s S o c i a l C R M d i m e n s i o n s
Marketing Sales Service
Know-
ledge
Branding PR Pre-sales Sales After-
sales
Support Feed-
back
Improve-
ment
Theory Design Analysis Results Conclusion
I
n
t
e
r
a
c
t
i
o
n
l
e
v
e
l
s
E
n
t
e
r
p
r
i
s
e
Corporate
Leadership
Employee
S
o
c
i
a
l
w
e
b
Community
Target groups
Customer
Design> Variables and Framework
Customer
Target groups
Community
Corporate
Executive
Employee
Social Web
Enterprise
June 27, 2012 9 D-MTEC / Strategic Management and Innovation / Natalie Huong
S o c i a l C R M d i m e n s i o n s
Marketing Sales Service
Know-
ledge
Branding PR Pre-sales Sales After-
sales
Support Feed-
back
Improve-
ment
I
n
t
e
r
a
c
t
i
o
n
l
e
v
e
l
s
E
n
t
e
r
p
r
i
s
e
Corporate
Leadership
Employee
S
o
c
i
a
l
w
e
b
Community
Target groups
Customer
Design> Sample
Theory Design Analysis Results Conclusion
June 27, 2012 10 D-MTEC / Strategic Management and Innovation / Natalie Huong
Own illustration according to Kaplan and Haenlein (2010)
Design > Sample > Classification of Social Media Platforms
Soc i al pr es enc e / Medi a r i c hnes s
Low Medium High
S
e
l
f
-
p
r
e
s
e
n
t
a
t
i
o
n
H
i
g
h
Blogs
Social networking sites
Virtual social worlds
L
o
w
Collaborative projects
Content communities
Virtual game worlds
Theory Design Analysis Results Conclusion
June 27, 2012 11 D-MTEC / Strategic Management and Innovation / Natalie Huong
Data analysis > Social networks > Case Study
Theory Design Analysis Results Conclusion
Case Study : ASB Virtual Branch on Facebook
Best practices (Simpson, 2010)
! Chat for interactive consulting and sales > Real time communication
! Initiative raised awareness by more than 10%
! Increase in user engagement
! Increase in reach
! High media presence
Screenshots taken from ASB Virtual Branch on Facebook,, accessed on May 30,2012
Arguments
M
a
r
k
e
t
i
n
g
Knowledge +
Branding ++ Raise brand awareness and reputation
Public Relations ++ Customer experience > Customer engagement
S
a
l
e
s
Presales ++ Dialogue +support > Increase loyalty > customer acquisition
Sales -
Aftersales ++ Real time interaction > cross- and up-selling opportunities
S
e
r
v
i
c
e
Support +
Feedback +
Improvement 0
++ best fit + suitable 0 less suitable - not suitable
Arguments
M
a
r
k
e
t
i
n
g
Knowledge + + ++ Info on company, products services
Branding ++ + 0 Raise brand awareness and reputation
Public Relations ++ 0 ++ Customer experience, acquisition and engagement
S
a
l
e
s
Presales ++ 0 ++ Dialogue +support > Increase loyalty
Sales - - ++ Online community is more secure than networks
Aftersales ++ - ++ Provide cross- and up-selling opportunities
S
e
r
v
i
c
e
Support + - ++ Increase customer lifetime value and engagement
Feedback + - ++ Reach and visibility, customer retention and engagement
Improvement 0 - ++ Feedback Product improvement and product design
++ best fit + suitable 0 less suitable - not suitable
Theory Design Analysis Results Conclusion
June 27, 2012
12 D-MTEC / Strategic Management and Innovation / Natalie Huong
Results > Social networking sites> Field of application
Results > Social networking sites > Social CRM framework
Theory Design Analysis Results Conclusion
June 27, 2012
13 D-MTEC / Strategic Management and Innovation / Natalie Huong
S o c i a l C R M d i m e n s i o n s
Marketing Sales Service
K
n
o
w
l
e
d
g
e
B
r
a
n
d
i
n
g
P
R
P
r
e
s
a
l
e
s
S
a
l
e
s
A
f
t
e
r
s
a
l
e
s
S
u
p
p
o
r
t
F
e
e
d
b
a
c
k
I
m
p
r
o
v
e
m
e
n
t
I
n
t
e
r
a
c
t
i
o
n
l
e
v
e
l
s
E
n
t
e
r
p
r
i
s
e
Corporate
Leadership
Employee
S
o
c
i
a
l
w
e
b
Community
Target groups
Customer
Assumption 1 Correlation between confidentiality and security
Assumption 2 Correlation between complexity and interactivity
Assumption 3 Communication is most efficient on equal level
Results > Consolidated Social CRM Framework
June 27, 2012 14 D-MTEC / Strategic Management and Innovation / Natalie Huong
Theory Design Analysis Results Conclusion
C R M d i m e n s i o n s
L
e
v
e
l
s
o
f
i
n
t
e
r
a
c
t
i
o
n
Marketing Sales Service
K
n
o
w
l
e
d
g
e
B
r
a
n
d
i
n
g
P
R
P
r
e
-
s
a
l
e
s
S
a
l
e
s
A
f
t
e
r
-
s
a
l
e
s
S
u
p
p
o
r
t
F
e
e
d
b
a
c
k
I
m
p
r
o
v
e
m
e
n
t
E
n
t
e
r
p
r
i
s
e
Corporate
Leadership
Employee
S
o
c
i
a
l
w
e
b
Community
Target groups
Customer
Conclusion> Implications for management
Theory Design Analysis Results Conclusion
June 27, 2012
15 D-MTEC / Strategic Management and Innovation / Natalie Huong
! Marketing is the key source of generating a sustainable value added.
! Social Networks are the entering wedge to engage in a conversation.
! Corporate online communities offer the broadest field of application.
! Communication on employee level is the primary source for sales.
! The right social media mix ensures a competitive advantage.
Social CRM framework reveals which social media platform benefits the dimensions of social
CRM and what level of interaction obtains the richest conversation and the best value added.
Conclusion> Filling the gap
Theory Design Analysis Results Conclusion
June 27, 2012
16 D-MTEC / Strategic Management and Innovation / Natalie Huong
How can Social CRM add Value in the Swiss Banking Sector?
Social CRM framework Platform
Banking value chain
Social CRM dimensions
Level of interaction
...
...
...
...
Conversation
Conclusions> Limitations and Future Work
Theory Design Analysis Results Conclusion
June 27, 2012
17 D-MTEC / Strategic Management and Innovation / Natalie Huong
L
i
m
i
t
a
t
i
o
n
s
• Inductive approach
• Core focus on Social CRM and communication between enterprise and social web
• View on external use of social media
• No clear distinction between B2B and B2C
F
u
t
u
r
e
W
o
r
k
• Deductive approach to test theory and propositions
• Social Media for recruitment and innovation
• Internal use of social media and collaboration
• Narrow focus on several topics (financial services, specific target groups, B2B, B2C)
Conclusions> The Bottom Line
Theory Design Analysis Results Conclusion
June 27, 2012
18 D-MTEC / Strategic Management and Innovation / Natalie Huong
“Corporate firewalls have kept smart employees in and smart markets out. It’s going to cause
real pain to tear those walls down. But the result will be a new kind of conversation. And it will
be the most exciting conversation business has ever engaged in.”
The Cluetrain Manifesto (Levine et al. 2001)
References
Theory Design Analysis Results Conclusion
June 27, 2012 19 D-MTEC / Strategic Management and Innovation / Natalie Huong
! Faase, Robbert, Remko Helms, and Marco Spruit. 2011. “Web 2.0 in the CRM Domain: Defining Social CRM.” International
Journal of Electronic Customer Relationship Management 5
! Fredricksen, Clark. 2010. “Case Study: American Express OPEN Forum Socializes Small Business.” http://
www.emarketer.com/blog/index.php/case-study-american-express-open-forum-social-media-small-business/, accessed
on May 13, 2012
! Kaplan, Andreas M., and Michael Haenlein. 2010. “Users of the World, Unite! The Challenges and Opportunities of Social
Media.” Business Horizons 53 (1) (February): 59–68
! Kaplan, Andreas M., and Michael Haenlein, 2011. “The Early Bird Catches the News: Nine Things You Should Know About
Micro-blogging.” Business Horizons 54 (2) (March): 105–113. doi:10.1016/j.bushor.2010.09.004.
! Kietzmann, Jan H., Kristopher Hermkens, Ian P. McCarthy, and Bruno S. Silvestre. 2012. “Social Media? Get Serious!
Understanding the Functional Building Blocks of Social Media.” Business Horizons 54 (3) 241–251
! Lions Share. 2012. “Banking Value Chain.” Lion’s Share Marketing Group.
! Langlois, Christophe. 2011. A Practical Guide to Social Media in Financial Services. Searching Finance Ltd.
! Levine, Rick, Christopher Locke, Doc Searls, and David Weinberger. 2001. The Cluetrain Manifesto: The End of Business as
Usual. Basic Books.
! Messerschmidt, Christian M., Sven C. Berger, and Bernd Skiera. 2010. Web 2.0 im Retail Banking: Einsatzmöglichkeiten,
Praxisbeispiele und empirische Nutzeranalyse. Gabler Verlag.
! Raake, Stefan, and Claudia Hilker. 2010. Web 2.0 in der Finanzbranche: die neue Macht des Kunden. Gabler.
! Simpson, Deborah. 2010. ASB-facebook Advertising Case Study. http://ads.ak.facebook.com/ads/FacebookAds/
ASB_CaseStudy.pdf, accessed on May 9, 2012
June 27, 2012 20 D-MTEC / Strategic Management and Innovation / Natalie Huong
Copyright © Natalie Huong 2012
Some Rights Reserved
The work “Social Customer Relationship Management in the Swiss Banking Sector“ by Natalie Huong
is licensed under the Creative Commons Attribution-NonCommercial-NoDerivs 3.0 Unported License (CC BY-NC-ND 3.0).
You are free to share — to copy, distribute and transmit the work under the following conditions:
Attribution — You must attribute the work in the manner specified by the author or licensor (but not in any way that suggests
that they endorse you or your use of the work).
Noncommercial — You may not use this work for commercial purposes.
No Derivative Works — You may not alter, transform, or build upon this work.
To view a copy of this license, visit http://creativecommons.org/licenses/by-nc-nd/3.0/ or send a letter to Creative Commons,
444 Castro Street, Suite 900, Mountain View, California, 94041, USA.
doc_876535032.pdf
Social CRM framework reveals which social media platform benefits the dimensions of social CRM and what level of interaction obtains the richest conversation and the best value added.
Social CRM in the Financial Sector
> A Framework for Swiss Banking
12/06/27
Natalie Huong
June 27, 2012 2 D-MTEC / Strategic Management and Innovation / Natalie Huong
“Markets are conversations”
The Cluetrain Manifesto (Levine et al. 2001)
June 27, 2012 3 D-MTEC / Strategic Management and Innovation / Natalie Huong
Swiss Banking Sector > Challenges
! Loss in loyalty and trust
! The new generation customer
! Competitive strategy
! Decreasing entry barriers
June 27, 2012 4 D-MTEC / Strategic Management and Innovation / Natalie Huong
Agenda
! Theory
> Social Media | CRM | Social CRM > Research Question
! Research Design
> Variables | Sample | Method
! Analysis
> Example: Social networking sites
! Results
> Social CRM framework
! Conclusion
> Filling the gap > Managerial implications > Limitations & Future Work
Theory Design Analysis Results Conclusion
June 27, 2012 5 D-MTEC / Strategic Management and Innovation / Natalie Huong
Theory
Theory Design Analysis Results Conclusion
(Greenberg 2009)
CRM focus
Marketing
Sales
Service
Traditional CRM Social Media
(Kietzmann, et al, 2011)
Presence
Relation-
ships
Repu-
tation
Groups
Identity
Conver-
sations
Sharing
Social Media experiences
e
n
h
a
n
c
e
s
i
m
p
a
c
t
s
Value chain
Swiss Banking Sector
(Faase, Helms, and Spruit 2011)
Customer retention & involvement
Infrastructure
Information
Customer management
Customer engagement
Maturity layers of social CRM
creates
constitutes emerges to
Social
CRM
June 27, 2012 6 D-MTEC / Strategic Management and Innovation / Natalie Huong
Theory > Research Question
How can Social CRM add Value in the Swiss Banking Sector?
Theory Design Analysis Results Conclusion
Communication Social media platforms
Regulations
Risks
Financial Sector Enterprise Customer
Case comparison
June 27, 2012 7 D-MTEC / Strategic Management and Innovation / Natalie Huong
Research Design
Theory Design Analysis Results Conclusion
Swiss Banking Sector Social Media CRM Social CRM
Banks Platforms
Scope Variables Sample
Data collection
Data analysis
Theory generation
Expert Interviews Multiple Case Studies Desk Research
Case analysis
i
t
e
r
a
t
i
o
n
Research Data
enfolding
Social Media CRM Social CRM
June 27, 2012 8 D-MTEC / Strategic Management and Innovation / Natalie Huong
S o c i a l C R M c o r e t o p i c s S o c i a l C R M d i m e n s i o n s
Marketing Sales Service
Know-
ledge
Branding PR Pre-sales Sales After-
sales
Support Feed-
back
Improve-
ment
Theory Design Analysis Results Conclusion
I
n
t
e
r
a
c
t
i
o
n
l
e
v
e
l
s
E
n
t
e
r
p
r
i
s
e
Corporate
Leadership
Employee
S
o
c
i
a
l
w
e
b
Community
Target groups
Customer
Design> Variables and Framework
Customer
Target groups
Community
Corporate
Executive
Employee
Social Web
Enterprise
June 27, 2012 9 D-MTEC / Strategic Management and Innovation / Natalie Huong
S o c i a l C R M d i m e n s i o n s
Marketing Sales Service
Know-
ledge
Branding PR Pre-sales Sales After-
sales
Support Feed-
back
Improve-
ment
I
n
t
e
r
a
c
t
i
o
n
l
e
v
e
l
s
E
n
t
e
r
p
r
i
s
e
Corporate
Leadership
Employee
S
o
c
i
a
l
w
e
b
Community
Target groups
Customer
Design> Sample
Theory Design Analysis Results Conclusion
June 27, 2012 10 D-MTEC / Strategic Management and Innovation / Natalie Huong
Own illustration according to Kaplan and Haenlein (2010)
Design > Sample > Classification of Social Media Platforms
Soc i al pr es enc e / Medi a r i c hnes s
Low Medium High
S
e
l
f
-
p
r
e
s
e
n
t
a
t
i
o
n
H
i
g
h
Blogs
Social networking sites
Virtual social worlds
L
o
w
Collaborative projects
Content communities
Virtual game worlds
Theory Design Analysis Results Conclusion
June 27, 2012 11 D-MTEC / Strategic Management and Innovation / Natalie Huong
Data analysis > Social networks > Case Study
Theory Design Analysis Results Conclusion
Case Study : ASB Virtual Branch on Facebook
Best practices (Simpson, 2010)
! Chat for interactive consulting and sales > Real time communication
! Initiative raised awareness by more than 10%
! Increase in user engagement
! Increase in reach
! High media presence
Screenshots taken from ASB Virtual Branch on Facebook,, accessed on May 30,2012
Arguments
M
a
r
k
e
t
i
n
g
Knowledge +
Branding ++ Raise brand awareness and reputation
Public Relations ++ Customer experience > Customer engagement
S
a
l
e
s
Presales ++ Dialogue +support > Increase loyalty > customer acquisition
Sales -
Aftersales ++ Real time interaction > cross- and up-selling opportunities
S
e
r
v
i
c
e
Support +
Feedback +
Improvement 0
++ best fit + suitable 0 less suitable - not suitable
Arguments
M
a
r
k
e
t
i
n
g
Knowledge + + ++ Info on company, products services
Branding ++ + 0 Raise brand awareness and reputation
Public Relations ++ 0 ++ Customer experience, acquisition and engagement
S
a
l
e
s
Presales ++ 0 ++ Dialogue +support > Increase loyalty
Sales - - ++ Online community is more secure than networks
Aftersales ++ - ++ Provide cross- and up-selling opportunities
S
e
r
v
i
c
e
Support + - ++ Increase customer lifetime value and engagement
Feedback + - ++ Reach and visibility, customer retention and engagement
Improvement 0 - ++ Feedback Product improvement and product design
++ best fit + suitable 0 less suitable - not suitable
Theory Design Analysis Results Conclusion
June 27, 2012
12 D-MTEC / Strategic Management and Innovation / Natalie Huong
Results > Social networking sites> Field of application
Results > Social networking sites > Social CRM framework
Theory Design Analysis Results Conclusion
June 27, 2012
13 D-MTEC / Strategic Management and Innovation / Natalie Huong
S o c i a l C R M d i m e n s i o n s
Marketing Sales Service
K
n
o
w
l
e
d
g
e
B
r
a
n
d
i
n
g
P
R
P
r
e
s
a
l
e
s
S
a
l
e
s
A
f
t
e
r
s
a
l
e
s
S
u
p
p
o
r
t
F
e
e
d
b
a
c
k
I
m
p
r
o
v
e
m
e
n
t
I
n
t
e
r
a
c
t
i
o
n
l
e
v
e
l
s
E
n
t
e
r
p
r
i
s
e
Corporate
Leadership
Employee
S
o
c
i
a
l
w
e
b
Community
Target groups
Customer
Assumption 1 Correlation between confidentiality and security
Assumption 2 Correlation between complexity and interactivity
Assumption 3 Communication is most efficient on equal level
Results > Consolidated Social CRM Framework
June 27, 2012 14 D-MTEC / Strategic Management and Innovation / Natalie Huong
Theory Design Analysis Results Conclusion
C R M d i m e n s i o n s
L
e
v
e
l
s
o
f
i
n
t
e
r
a
c
t
i
o
n
Marketing Sales Service
K
n
o
w
l
e
d
g
e
B
r
a
n
d
i
n
g
P
R
P
r
e
-
s
a
l
e
s
S
a
l
e
s
A
f
t
e
r
-
s
a
l
e
s
S
u
p
p
o
r
t
F
e
e
d
b
a
c
k
I
m
p
r
o
v
e
m
e
n
t
E
n
t
e
r
p
r
i
s
e
Corporate
Leadership
Employee
S
o
c
i
a
l
w
e
b
Community
Target groups
Customer
Conclusion> Implications for management
Theory Design Analysis Results Conclusion
June 27, 2012
15 D-MTEC / Strategic Management and Innovation / Natalie Huong
! Marketing is the key source of generating a sustainable value added.
! Social Networks are the entering wedge to engage in a conversation.
! Corporate online communities offer the broadest field of application.
! Communication on employee level is the primary source for sales.
! The right social media mix ensures a competitive advantage.
Social CRM framework reveals which social media platform benefits the dimensions of social
CRM and what level of interaction obtains the richest conversation and the best value added.
Conclusion> Filling the gap
Theory Design Analysis Results Conclusion
June 27, 2012
16 D-MTEC / Strategic Management and Innovation / Natalie Huong
How can Social CRM add Value in the Swiss Banking Sector?
Social CRM framework Platform
Banking value chain
Social CRM dimensions
Level of interaction
...
...
...
...
Conversation
Conclusions> Limitations and Future Work
Theory Design Analysis Results Conclusion
June 27, 2012
17 D-MTEC / Strategic Management and Innovation / Natalie Huong
L
i
m
i
t
a
t
i
o
n
s
• Inductive approach
• Core focus on Social CRM and communication between enterprise and social web
• View on external use of social media
• No clear distinction between B2B and B2C
F
u
t
u
r
e
W
o
r
k
• Deductive approach to test theory and propositions
• Social Media for recruitment and innovation
• Internal use of social media and collaboration
• Narrow focus on several topics (financial services, specific target groups, B2B, B2C)
Conclusions> The Bottom Line
Theory Design Analysis Results Conclusion
June 27, 2012
18 D-MTEC / Strategic Management and Innovation / Natalie Huong
“Corporate firewalls have kept smart employees in and smart markets out. It’s going to cause
real pain to tear those walls down. But the result will be a new kind of conversation. And it will
be the most exciting conversation business has ever engaged in.”
The Cluetrain Manifesto (Levine et al. 2001)
References
Theory Design Analysis Results Conclusion
June 27, 2012 19 D-MTEC / Strategic Management and Innovation / Natalie Huong
! Faase, Robbert, Remko Helms, and Marco Spruit. 2011. “Web 2.0 in the CRM Domain: Defining Social CRM.” International
Journal of Electronic Customer Relationship Management 5
! Fredricksen, Clark. 2010. “Case Study: American Express OPEN Forum Socializes Small Business.” http://
www.emarketer.com/blog/index.php/case-study-american-express-open-forum-social-media-small-business/, accessed
on May 13, 2012
! Kaplan, Andreas M., and Michael Haenlein. 2010. “Users of the World, Unite! The Challenges and Opportunities of Social
Media.” Business Horizons 53 (1) (February): 59–68
! Kaplan, Andreas M., and Michael Haenlein, 2011. “The Early Bird Catches the News: Nine Things You Should Know About
Micro-blogging.” Business Horizons 54 (2) (March): 105–113. doi:10.1016/j.bushor.2010.09.004.
! Kietzmann, Jan H., Kristopher Hermkens, Ian P. McCarthy, and Bruno S. Silvestre. 2012. “Social Media? Get Serious!
Understanding the Functional Building Blocks of Social Media.” Business Horizons 54 (3) 241–251
! Lions Share. 2012. “Banking Value Chain.” Lion’s Share Marketing Group.
! Langlois, Christophe. 2011. A Practical Guide to Social Media in Financial Services. Searching Finance Ltd.
! Levine, Rick, Christopher Locke, Doc Searls, and David Weinberger. 2001. The Cluetrain Manifesto: The End of Business as
Usual. Basic Books.
! Messerschmidt, Christian M., Sven C. Berger, and Bernd Skiera. 2010. Web 2.0 im Retail Banking: Einsatzmöglichkeiten,
Praxisbeispiele und empirische Nutzeranalyse. Gabler Verlag.
! Raake, Stefan, and Claudia Hilker. 2010. Web 2.0 in der Finanzbranche: die neue Macht des Kunden. Gabler.
! Simpson, Deborah. 2010. ASB-facebook Advertising Case Study. http://ads.ak.facebook.com/ads/FacebookAds/
ASB_CaseStudy.pdf, accessed on May 9, 2012
June 27, 2012 20 D-MTEC / Strategic Management and Innovation / Natalie Huong
Copyright © Natalie Huong 2012
Some Rights Reserved
The work “Social Customer Relationship Management in the Swiss Banking Sector“ by Natalie Huong
is licensed under the Creative Commons Attribution-NonCommercial-NoDerivs 3.0 Unported License (CC BY-NC-ND 3.0).
You are free to share — to copy, distribute and transmit the work under the following conditions:
Attribution — You must attribute the work in the manner specified by the author or licensor (but not in any way that suggests
that they endorse you or your use of the work).
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