Customer stories


nib targets customer communications with enhanced CCM platform. OpenText Exstream transforms nib customer experience


  • Improve the customer experience by providing correspondence that is timely, relevant, personalized, and delivered in line with customers’ preferences
  • Need to be able to support multiple delivery and device channels


  • Provided the capability to support nib’s business segments and partner distribution strategy

  • Simplified document maintenance and improved the speed to market around creating/updating customer correspondence

  • Supported marketing efforts in creating personalized and relevant customer correspondence


nib believed it could achieve its business growth targets by transforming the communication process at its customer correspondence touch points. A new CCM platform could simplify and consolidate correspondence generation across all business segments. Extensive market analysis revealed that OpenText Exstream™ could meet this challenge. The Exstream Professional Services team helped facilitate a smooth introduction of the Exstream CCM solution.

Insurance broker speaking to clients.

In looking to upgrade our customer communications capability, the directive was to enhance customer experience and support business growth. OpenText Exstream delivered that result. It simply stood out in terms of features and the ability to satisfy what we were looking for.

Glenn Moore
Head of Core Applications Delivery, nib


Dynamic shifts in a highly competitive sector

nib provides value for money and affordable health cover to more than one million people across Australia and New Zealand. With more than 60 years’ experience, the Newcastle-based health insurer has witnessed dynamic shifts and changes in what has become a highly competitive sector. nib has an enduring philosophy: that the needs of the community will be better served if private health insurance is easy to understand, has simple to process claims and most of all, clearly represents good value. While this vision has underpinned its growth momentum in the marketplace, in early 2014 nib wanted to take the positive experiences of its existing and prospective customers to a new dimension.

Senior management were major sponsors in the move to upgrade the capability of the existing Customer Communication Management (CCM) platform. The directive was clear: the primary objective was motivated by the desire to enhance the customer experience and ensure the platform selected enabled nib to support business growth through capability, scale and distribution. The existing platform was not adequately supporting the growth and diversification of the company. The key limitations included: insufficient throughput to support high burst volumes in bulk mailouts, lack of support for document personalization leading to inefficient template management, the ability to support multiple delivery and device channels, lack of consistent records management archiving capability and the ability to efficiently support nib’s business segments and partner brands.

These factors built a barrier to the realization of business proposals and creative marketing ideas.

A CCM platform was a key building block in providing the opportunity for nib and its partners to grow and capture new markets. Two significant agreements involved strategic partners—one a national specialist insurance provider and the other a rewards programme with Australia’s national airline. Both initiatives involved nib underwriting and servicing health insurance customers under the partners’ brand. A key ingredient to support these ‘white labelling’ opportunities is a correspondence platform that is able to scale and create the brand, tone, style and voice of the partner brands.

nib needed a platform that could make it easy and cost effective to create high quality personalized customer correspondence for multiple business segments and partner brands. The company performed its own research and analysis of the marketplace over a three-month period before issuing a request for proposal. Solutions from a total of seven vendors were considered.

“Meetings were held with each prospective vendor to help them understand our business problem and vision. This allowed nib to share a more detailed explanation of what we wanted to achieve,” explained Glenn Moore, head of Core Applications Delivery at nib, who was involved in the search for a new solution.


Building and executing the detailed road map

“Exstream simply stood out in terms of product features and how it met the criteria we were demanding,” said Glenn Moore. “The role played by Professional Services was critical in helping us build and execute a detailed roadmap for the implementation of the new platform.

“There was a two-month period of building our own competency. The Professional Services team was involved in conducting workshops as part of the mentoring and training process. Within three months, we delivered the first piece of correspondence to market, our customer reminder letter which covers payments, overdue prompts and cancellations. This was a legacy standalone communication, the ideal candidate to use as a proof of concept to demonstrate the Exstream capability.”

Encouraged by this success, nib turned to the major task of creating a new ‘Welcome Pack’ for customers. This is the first piece of correspondence a customer receives when joining and hence it is critical in being able to convey what the customer has purchased and how they can start to realize value from their health cover.

“The limitations of the previous platform did not allow nib to highlight important aspects of the health cover that the customer had purchased. It was operationally impossible to create the personalization the business desired. This had flow-on effects, with some customers indicating that they could not clearly differentiate and understand what they had purchased,” said Moore.

“In late 2014 the Exstream solution went live and the whole dynamic changed. The redesigned ‘Welcome Pack’ eliminated unnecessary content and was able to highlight key product information.” nib can now deliver content explaining the benefits of health insurance more relevant to a particular customer’s circumstances and how he or she can start to get value from their health cover.

“The product has been very flexible in terms of its design capability, as of yet there have been no marketing design limitations surface,” said Moore.

Benefits delivered by OpenText Exstream include a clear reduction in correspondence delivery costs and a significant improvement around speed to market when making changes to customer correspondence.

Glenn Moore
Head of Core Applications Delivery, nib


Enabling effective engagement with partners

“nib will be closely monitoring customer sentiment and behavior and determining how this affects business growth,” said Moore, adding that the previous platform did not always allow nib to send customers correspondence via their nominated delivery channel, such as post or digital.

“This affected customer service, as the customer wasn’t always receiving via their preferred channel and it didn’t allow nib to minimize delivery costs. Exstream addressed this issue; we now offer responsive design content for multiple devices further tailoring the customer experience.”

nib’s partnering strategy is now truly optimized and supported. “The previous platform did not allow us to engage effectively with our partners. The creation and maintenance of correspondence templates across the various business segments and distribution partnerships was a significant overhead,” Moore said.

Exstream has removed those barriers and allowed nib to significantly improve the speed to market around creating and updating correspondence for distribution partnerships with affiliated brands, such as Apia and Qantas Assure.

Internal and customer feedback makes it clear that we have achieved a better customer experience.

Glenn Moore
Head of Core Applications Delivery, nib

Providing flexibility and improved speed to market

An important step within the transition to the new platform was the Professional Services team engagement to assist in defining the operational elements of the new solution. Based on the business requirements, a strategic decision was made to reduce the reliance on third-party suppliers and bring features of the customer communications operations in-house. “We put a lot of thought into this move and the decision was largely guided by the magnitude of business rules that we are required to develop and maintain, as well as the economies of scale we were looking to leverage across our business segments and partner brands,” said Moore.

“We had the confidence and ability to make the in-house move happen with the Exstream solution. It provided nib with greater agility and control around tailoring the customer experience.

The speed at which we can now make and deploy changes to customer communications allows us to quickly address feedback and insight that we are receiving from our customers and internal teams.” nib is closely monitoring the improved benefits being delivered by the Exstream software solution. This includes customer feedback surveys, document production and delivery costs, improvements in process efficiency and the time taken to get correspondence initiatives to market.

“We have not lost sight of the original objective, to enhance the customer experience,” Moore said. “The Exstream CCM solution now provides them with greater clarity around their health coverage and therefore enables our customer-facing teams to have an improved quality of conversation with them. Internal and customer feedback makes it clear that we have achieved a better customer experience.”

About nib

nib provides value for money and affordable health cover to more than one million people across Australia and New Zealand. With more than 60 years’ experience, the Newcastle-based health insurer has witnessed dynamic shifts and changes in what has become a highly competitive sector.

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