Introduction
The Guided Sales enables client developers to build sales experiences for customers, making it easier to sell and advise on Alm Brand's financial products.
Process
The Guided Sales enables client developers to build sales experiences for customers, making it easier to sell and advise on Alm Brand's financial products.
Flow
Follows the "Configure, price & quote" flow and some of the steps in "Quote-to-cash" flow.
Steps
Find products: The developer gets a list of available products to sell.
Get Price Offer: The customer requests a price offer by configuring the product parameters and features. The offer contains a price, price details and terms for the product.
Re-calculation: If the offer is not meeting the expectations, the customer can change the product configuration and request a new Offer.
Choose Offer : When the offering meets the expectations, the customers can either put the offer in the Cart (to-be) or create a price quote based on offer.
Manage Cart (to-be): When an Offer is put in the Cart, a total price of all the offers and discounts in the cart are calculated.
Create Price Quote: When the Customer wants a quote (binding Offer), the customer enters legal and contact information for all the involved parties. The customer has 30 days to accept the quote,
Accept Quote: When the customer then decides on the offer the quote is accepted and a contract based on the quote, is created and send (emailed, mailed or handed) to the customer(s).
Sign Quote: The customer receives the contract and signs it. If multiple parties are involved everyone signs
Quote Fulfillment In rare cases the processing ends in a rejection. Furthermore a private (b2c) Customer has period of 14 days where the acceptance can be withdrawn.
Activate Agreement : The quote is activated to an agreement.
Customer Self-service: All quote and agreements can be seen and managed by the customer self-Service Process.
Concepts
Product - a product sold by Alm. Brand ( an insurance policy, a leasing agreement, a bank account etc.)
Configuration - A configuration is a product configured to a person's or organization's needs
Offer - an price offer is based on a configuration and has details on price, taxes, fees, special conditions and additional purchase options
Quote - a pirce quote consists of one or more offers issued to a specific customer and expires after 30 days. In addition, it also contains customer- and payment information
Cart (to-be) - a Cart is used for managing one or more offers in the buy process. A total price of all offers is calculated. Items can be added,removed or replaced
Item (to-be) - an item is reference to an offer in a cart. An item has a label and price (offer)
Acceptance - an acceptance of a quote makes it to a legally binding agreement
Activation - a activation puts an agreement into effect in the it system.
Signing - a way of acceptance of a quote - either performed digitally or manually