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The customer experience revolution: why unified commerce is now the new loyalty currency 

Digital experience Banking, financial services & fintech Retail & consumer goods
customer experience

Customer experience is no longer just a differentiator. It’s the foundation of growth across e-commerce, finance and SaaS. Customers expect instant, relevant and frictionless interactions; brands can no longer afford fragmented experiences. Customers don’t simply compare you to your direct competitors. They compare you to the best experience they’ve ever had, whether that’s Netflix’s personalized recommendations, Starbucks’ seamless mobile ordering or Bank of America’s AI assistant.  

Today’s buyer might browse on mobile, research on desktop, call support and make a purchase in-store, all within a 24-hour period. But when these touchpoints don’t “talk” to each other, it results in frustration, abandonment and lost loyalty.  

Why it matters now  

Customers no longer tolerate siloed, inconsistent interactions — every missed beat creates friction, churn and distrust. 

Industry analysts also support the importance of customer experience. A recent McKinsey study shows companies that invest in consistent, end-to-end customer journeys achieve 20–30% higher satisfaction rates and 10–15% revenue growth. Meanwhile, Accenture highlights that 91% of customers prefer brands that recognize, remember, and provide relevant offers

This is where Unified Customer Experience (UCE) comes in. UCE is the strategic orchestration of data, design and technology to deliver seamless, personalized and consistent engagement across channels. Think of it as moving from disjointed transactions to a continuous conversation with your customer.  

We are at a point in time when brands can’t avoid investing in customer experience. The good thing about this fact is that when implemented strategically, you can see the ROI from these efforts within 6 months of going live. Moreover, there is plenty of data available to help the leaders align on the importance of giving UCE the amount of attention it deserves:  

Customer expectations are non-negotiable.

Customers expect context continuity across touchpoints. When asked to repeat themselves, they switch to competitors.  

UCE is a growth multiplier. Companies that unify their CX data and processes consistently outperform peers in digital sales penetration, retention and CLV growth.  

AI makes UCE scalable. Generative and agentic AI enable real-time personalization, proactive support, and workflow orchestration at scale and without compromising quality.  

AI as the multiplier for UCE 

AI, as the latest tech trend, has a lot to offer in developing a seamless UCE: 

  • Generative AI crafts hyper-personalized content and recommendations.  
  • Agentic AI automates repetitive workflows like onboarding or claims, freeing employees for high-value work.  
  • Predictive Analytics anticipates customer needs before they know it. 

AI results are a proven thing. A study by McKinsey revealed that companies utilizing AI in their service strategies enhance customer interactions by 25%, resulting in increased loyalty and retention rates. However, Solvd’s research shows that retail and finance are exactly the industries that face the highest risks. As a result, organizations in these sectors are almost evenly split between accelerating and pausing AI investments in the worsening economy. This hesitation might represent the lack of trust in getting the ROI for their company and highlights the need for a well-thought-out strategy to go forward.  

The path to these benefits is not simple, and it is not just the change in tools, it’s a paradigm shift.  AI’s and UCE demand more than adding new technology to your existing stack. It requires integrated systems, unified data, and intuitive interfaces working harmoniously. The true potential of AI lies not just in generating insights, but in autonomously acting on them, including orchestrating workflows, resolving customer issues and driving seamless engagement without human intervention at every step. At the same time, delivering on this promise requires a strong digital backbone. Infrastructure migration and AI readiness highlights how scalable, cloud-native infrastructure and unified data foundations are prerequisites for making Unified Customer Experience work in practice. Together, these perspectives underscore that AI-powered UCE depends as much on robust execution and readiness as it does on creative applications. 

Unified customer experience is the new loyalty currency

This shift is rapidly becoming the expected standard, not a luxury. Soon, fragmented experiences will be viewed as fundamentally broken, like websites without mobile optimization. Companies delaying this transformation will find themselves struggling to meet what’s quickly becoming table stakes in the marketplace. UCE is not a “nice-to-have”. It’s the new competitive baseline and the new loyalty currency.  

In the following article, we’ll unpack the measurable business impact of UCE and why early movers are already pulling ahead.