Cookie Preference Centre

Your Privacy
Strictly Necessary Cookies
Performance Cookies
Functional Cookies
Targeting Cookies

Your Privacy

When you visit any web site, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences, your device or used to make the site work as you expect it to. The information does not usually identify you directly, but it can give you a more personalized web experience. You can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, you should know that blocking some types of cookies may impact your experience on the site and the services we are able to offer.

Strictly Necessary Cookies

These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site may not work then.

Cookies used

Performance Cookies

These cookies allow us to count visits and traffic sources, so we can measure and improve the performance of our site. They help us know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies, we will not know when you have visited our site.

Cookies used

Google Analytics

Functional Cookies

These cookies allow the provision of enhance functionality and personalization, such as videos and live chats. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies, then some or all of these functionalities may not function properly.

Cookies used




Targeting Cookies

These cookies are set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant ads on other sites. They work by uniquely identifying your browser and device. If you do not allow these cookies, you will not experience our targeted advertising across different websites.

Cookies used


This site uses cookies and other tracking technologies to assist with navigation and your ability to provide feedback, analyse your use of our products and services, assist with our promotional and marketing efforts, and provide content from third parties


Here are some suggested Connections for you! - Log in to start networking.

Industry Research : Banking On Speaking English

A report into the accessibility of telephone banking and insurance services to limited English speakers.

Research was carried out into how the contact centers of British banks and insurance companies handle phone calls from people speaking with limited English. The research was conducted by thebigwordGroup, a global provider of language services.

Research calls were made to 15 of Britain’s major financial services providers between January and May 2007. Calls were to nationally advertised numbers. Calls with the aim of opening a bank account were made to:

  • Bank of Scotland
  • Barclays
  • Citibank
  • Halifax
  • HSBC
  • Lloyds TSB
  • NatWest
  • Nationwide
  • Alliance and Leicester

Calls asking for a quotation for car insurance were made to:

  • Norwich Union
  • Prudential
  • Privilege
  • Direct Line
  • RAC
  • Churchill

Calls were made by 12 researchers, each speaking a different non-English language. The researchers were all non-English native speakers resident in the UK. Each researcher was given a script to work through. They first asked, in their own language, to speak to someone who could understand them. The researcher then rated the responses on how the call was managed.

The choice of languages was based on the most widely spoken European languages in the UK and the most common languages handled by thebigwordGroup’s telephone interpreting service. Languages used were:

  • French 
  • Italian
  • German
  • Spanish
  • Slovakian
  • Portuguese
  • Bengali
  • Turkish
  • Udu 
  • Somali
  • Czech 
  • Polish 

In 2005, net migration into the UK was 185,000. That is the equivalent of adding 500 people a day to the UK population*.

Of those people that came from the eight central and eastern European countries that joined the EU on 1 May 2004, almost 85 per cent came with intention of working*. A UK bank account is essential for these workers and many of them will need to purchase and insure a vehicle.

Opening a bank account or taking out insurance is an important financial transaction. The Association of British Bankers voluntary code, subscribed to by most major financial institutions, advises that customers should be given clear information on products and services. This is not possible if language barriers come between the customer and the bank or insurance company.
*Source: Office of National Statistics.

Out of the 180 calls made, only 3 resulted in a solution to the language barrier and the researchers obtaining the information they required. HSBC was able to track down a Spanish and a Bengali speaker, whilst Direct Line found someone who spoke broken German. The best response of the insurance companies was from the RAC who eventually called the researcher back in French a few days later.

Researchers reported they did not receive an overall positive customer experience in 92 per cent of the calls to banks. For insurers the figure was 84 per cent. Of the 9 banks approached only HSBC and NatWest would be used again by more than 2 of the researchers. No researcher said they would use Alliance and Leicester, Citibank, Lloyds TSB or Nationwide again.

Of the 6 insurance companies only Norwich Union and Prudential would be used again by three researchers out of the 12. Of the banks approached, NatWest proved the most willing to help, with Bank of Scotland scoring the lowest. Norwich Union were the most willing to help of the insurance companies, with Churchill and Privilege at the bottom of the 6 companies called. Of the 12 researchers 8 researchers reported a positive initial response from Citibank and HSBC and 9 experienced a positive initial response from RAC, NatWest and Norwich Union.

Some researchers made interesting comments about the financial services providers they called:

  • Barclays ‘tried really hard’ to speak French and gave the Polish researcher a number to call for a Polish speaker, but there was no response. The German researcher was told ‘I don’t understand’ and then cut off.
  • Citibank told the Czech researcher that branches in London and Manchester had Czech speakers.
  • Halifax ‘tried hardest’ in Spanish but just repeated the welcome louder several times in response to Italian.
  • Bank of Scotland announced ‘Hello, can I help’ repeatedly when spoken to in Portuguese.
  • NatWest thought the Czech researcher was speaking Hindi.
  • Nationwide recognized Polish.
  • Norwich ‘really tried’ to help the Somali and Bengali researchers, but put the German researcher through to a call centre in India.
  • Prudential was ‘very unhelpful’ to the Czech researcher but said goodbye in German to the German researcher.
  • Direct Line ‘didn’t even try’ to help the Czech researcher.
  • RAC had a mixed record, hanging up on the Polish and Slovakian researchers, having ‘no clue’ for the Turkish, being ‘helpful’ in Spanish, calling back in French and saying goodbye in German


This report demonstrates that the UK’s financial services companies are failing to provide sufficient customer service levels and are unable to communicate effectively with a large number of their potential customers.

Some British financial services providers may be taking measures to overcome language barriers at high street branch level. However, there is still a striking lack of services available to support inquiries made by limited English speakers to bank and insurance company contact centers. Telephone interpreting services, such as those of thebigwordGroup, are readily available in the UK.

Calls from limited English speakers can be quickly connected to an interpreter, who can join the call. Help is also available to identify the correct language being spoken, if it is not obvious. Many government departments and agencies already provide such a service.

The UK today is a multi-language society. Pressure is mounting on the public and private sectors to ensure equal access to services, irrespective of language. However, bank and insurance company contact centers do not yet have the capability to be able to speak to every customer who calls them.

About thebigwordGroup:
Company Logothebigword is a translation service provider. Services provided by thebigword include: interpreting, multimedia voice over, eLearning, and web site translation and localization.
Company RSS Feed   Company Profile Page

Today's Tip of the Day - Consider Your Center As A Production Line

Read today's tip or listen to it on podcast.

Published: Friday, August 31, 2007

Printer Friendly Version Printer friendly version

2021 Buyers Guide Automated Call Distributors

Call Center Studio

Call Center Studio
Call Center Studio is the world’s first call center built on Google and is one of the most secure and stable systems with some of the industry’s best reporting. It is one of the most full-featured enterprise grade systems (with the most calling features, one of the best call distribution, outbound dialing features and integrations—including IVR, AI Speech Recognition, blended inbound/outbound calling and includes Google’s new Dialogflow and Speech API. Call Center Studio is the absolute easiest to use (with a 10 minute setup), and is the price performance leader with lower equipment cost and less setup time.

Teckinfo Solutions Pvt. Ltd.

InterDialog UCCS
InterDialog UCCS inbound call center software caters to all incoming customer requests. These incoming requests can come through any channel of customer’s choice e.g. voice, video, email, chat, WhatsApp, facebook etc.. company page or from an integrated website chat. Using InterDailog UCCS call centers can respond to inquiries of the customers and they can also register the complaints of customer as a customer support desk.


Voiptime Contact Center
Our contact center solution allows processing the high volume of client requests from different channels (voice, webchat, email, web callbacks), running massive outbound dialing campaigns, and makes all call center operations visible for management. Voiptime Cloud Contact Center is a professional calling solution for outbound and inbound calls. It’s a plug-and-play software that immediately increases the productivity of your call center department. With the help of our solution you are able to:
- Automate lead prospecting and have 4x more live conversations daily;
- Increase the agent occupancy up to 80-90% with the help of the fastest Predictive dialer;
- Smooth out the peaks of calls by...
(read more)

About us - in 60 seconds!

Latest Americas Newsletter
both ids empty
session userid =
session UserTempID =
session adminlevel =
session blnTempHelpChatShow =
session cookie set = True
session page-view-total =
session page-view-total =
applicaiton blnAwardsClosed =
session blnCompletedAwardInterestPopup =
session blnCheckNewsletterInterestPopup =
session blnCompletedNewsletterInterestPopup =