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A closer look

What happens when
customers stop
giving up?

An executive question about customer effort, business value and the assumptions inside your P&L.

If an earnings stream relies partly on customers finding it too difficult to act, AI can change the effort involved. The useful executive question is where that dependence exists and what you can do about it.

Three different pieces of evidence

Complaint research suggests that assistance can change outcomes. Subscription and broadband evidence describes existing costs of inaction. Together they justify investigating exposure. They do not establish a single causal chain from AI to a universal loss of profit.

A real dispute, with clear limits

The Building Trust guide describes residents organising documents, interrogating explanations and pursuing a structural-warranty dispute with AI assistance alongside professional and collective work. It is a practical example of a better-prepared customer.

The accepted settlement reported in the account is one result in one dispute. It should not be read as a typical claim, money already received or a sum attributable entirely to AI. The full story explains the evidence and the work involved.

Read the Building Trust case ↗

Open the insurance white paper ↗

What does it mean for the business?

Separate three questions. Where are customers entitled to a better resolution? Where does the business earn revenue from a decision being deferred? Where could a clearer, fairer offer earn continued custom? These questions may involve different owners and different economics.

Allocate time to investigate the customer journey, check the evidence behind decisions and improve the proposition. Finance can test exposure; Customer and Legal can examine resolution; Revenue and Product can develop a stronger reason to stay.

Try a sensitivity calculation

The defaults below are deliberately hypothetical. They are not derived from the studies above. Select one revenue stream and test low, middle and high assumptions using your own data. The output is gross contribution exposed under those assumptions, not a forecast of net profit.

Illustrative inputs — replace with your own

Illustrative annual gross contribution exposed: £30,000.

Calculation: selected revenue × inaction-dependent share × additional action share × contribution margin. Assumes affected customers have average economics and action removes that revenue. Excludes behaviour changes, recovery, acquisition effects, transition costs, tax and timing. Complaint payouts require a separate frequency × incremental cost model.

One thing to do: map one point of abandonment

Bring Finance, Customer and Revenue together for 45 minutes. Pick one cancellation, renewal, switching or complaint journey. Identify the point where customers give up, who benefits financially and what a customer with well-organised evidence could do differently.

Leave with one friction map, one sensitivity range and one improvement to test. Measure resolution and customer value alongside the financial effect. A legitimate, clear offer should have a reason to survive when acting becomes easier.

Turn the exposure into an offer-design experiment →