Large Accounts
Signature · complex solutions, high compliance
- Banks, insurance, telcos
- Massive volumes, end-to-end customised journeys
- High compliance standards (GDPR, traceability)
Freelance mission of twelve months. Large-scale document production, key accounts in banking, insurance, telecoms, energy. Mandate · lay down the Service Design method, align Business and IT, deliver a sponsor-ready Concept Report and a prioritised MVP.
Belgian mail loses 8% per year. SPEOS, postal subsidiary of bpost, had to shift to digital without breaking its print revenue, and defend its leadership against cloud-native pure-players.
The tensionBusiness was defending revenue. IT was building Agile in parallel. The UX function did not yet exist as a dedicated department. Three worlds to bring into the same conversation.
What I did12 internal expert interviews (CEO, CTO, R&D, Operations). 6 pilot customers interviewed, including Luminus on energy billing. Physical Customer Journey workshop, persona Johnny on the wall.
What came out of it76-page Concept Report signed by sponsor. 6 out of 6 customers validate. Three market segments (Large Accounts, Easy2Mail SMEs, API Integrators) prioritised in SAFe sprints. Design team integrated into the org chart.
Freelance mission · 12 months · December 2024 → December 2025 · CX / UX / Service Design Consultant
Mandate · lay down the Service Design method, align Business and IT around the user, deliver a sponsor-ready Concept Report and an MVP prioritised in user stories. Technical context · IT in Agile transition, not yet SAFe.
SPEOS, a postal subsidiary of the bpost group. Large-scale document production for key accounts in banking, insurance, telecoms and energy. The UX function did not exist as a dedicated department.
The dedicated UX department pattern, deployed in large Belgian accounts, SPEOS chose to adopt. Catalyst · B2G PEPPOL mandate of 1 January 2026 and competitive pressure of digital-first players.
Two initiatives were under way · Archetype (E2M refactor, Angular) and Communication Platform (out of the Ethias tender, React). Same stream platform back-end. The direction sought a unified product vision · UX consultant onboarding registered in the 21 November 2024 exec review.
From Business ↔ IT friction to an MVP everyone signs. Four methodological acts, co-creation workshops as the spine, customer focus as the shared compass.
At the exit: a one-stop platform MVP prioritised in user stories, signed by Project Owners (Business) · Project Managers (IT) · Operations · Sales. Six clients across typologies validated the concept, sponsor go for production. What follows shows what played out at each step.
Understand how SPEOS runs its business, and what each role expects of a unified platform.
"We stay leader, but the market is moving. Digital puts us in frontal competition."
Market vision and competitive vigilance. Wants a product that defends the leadership position before the B2B PEPPOL mandate on 1 January 2026.
"We have platforms per segment. They do not talk to each other."
Fragmented historical architecture. IT freshly moved to Agile, still far from SAFe. Looks for a maintainable stack, not a patchwork.
"I know what my client wants. IT does not listen to me."
On Business side, owners of the commercial offer. Frustrated by opaque technical cycles.
"Business changes its mind every sprint. We deliver fuzziness."
On IT side, in charge of delivery. Frustrated by fuzzy specs, late feedback and political trade-offs.
"Everything is in our heads. Nothing is documented for a client."
Tacit knowledge of the postal/print/mailing business. Living memory of the organisation.
"We absorb the misses at the end of the chain. Every day."
The arm of delivery. Direct visibility on what breaks on the end-client side.
Internal experts read the organisation. Clients read the service as they live it.
The same six return for the final user test.
See the customer interview guide used Customer Interview Guide · 22 questions · 6 themes (Background · Customer Journey · Pain Points · Automation · Billing · Recommendations)Three distinct buying logics. Large Accounts buy complex solutions with high compliance. SMEs buy standard, low-touch, autonomy. Integrators buy an API and documentation. One platform must serve the three without drifting.
Signature · complex solutions, high compliance
Signature · standardisation, automation, self-service
Signature · partners, embedded SPEOS services
Synthesised from the internal and field interviews. The map that prioritises the MVP, who we speak to and at which point in the cycle.
The multichannel pivot. Wants automation, clean APIs, a shorter time-to-market.
Billing, e-invoicing, B2B/B2G compliance. Tolerates zero errors on invoice routing.
Print and enveloping logistics. Holds the day-0 SLA, balances auto and human.
The KEY · bank, insurance, telecom. Renews, escalates, signs. Aligns the vendor on his business goals.
The volume KEY · Easy2Mail. Wants standard, low-touch, IT-less onboarding.
Lawyers, doctors, property managers. Highly specific workflows, non-negotiable confidentiality.
Optimises per channel and per preference. Wants actionable data, not a dump.
Embeds SPEOS in his offer. Stable APIs, clear doc, no integration friction.
Document Operations Manager · large Energy account
"A good tool is invisible when everything works, and clear when something breaks."
Print & Archiving Expert · large Energy account
"Not a cool product. An ultra-reliable cockpit to pilot his documents."
End-to-end journey. Ten pain points pinned where they block. Shared language across departments.
Découverte · Contact · Onboarding · Production · Suivi & expansion. Les 10 pain points sont positionnés sur la phase où ils émergent.
The prospect identifies a volume sending need. First search, competitive comparison.
First commercial exchange. Project scoping, quote, signature.
Technical integration. Account setup. First file import, validation.
Campaign configuration. Launch. Print, enveloping, delivery.
Delivery tracking. Support. Billing. Volume growth, opening new channels.
10 pain points reframed as 11 opportunities. Five become MVP Value Props, six placed in MVP++ phase 2.
Self-service, real-time tracking, personalized dashboards per segment.
Automate repetitive tasks, API integrations, self-onboarding for SMEs.
Email, SMS, print unified. Automatic fallback if a channel fails.
BI reporting, client behaviors analysed, sector-specific insights.
Tiered Basic / Gold / Custom. Pay-as-you-go or subscription for SMEs.
Multi-language, multi-jurisdiction, country-by-country B2G compliance. MVP++.
Predictive analytics, proactive alerts before the client calls.
Reusable templates + modular add-ons for Large Accounts.
Consent management, drag-and-drop builders, payment integrations.
Tracking + billing + reporting + ticketing in one portal. Open API marketplace.
Advanced analytics, fallback mechanisms, "One Stop Shop" positioning. MVP++.
Two regimes · small targeted workshops with IT Project Managers for technical trade-offs, large Customer Journey workshops with Business, IT, Operations and Customer Service. Four formats, four deliverables.
Project Owners and Project Managers at the same table. Each team builds the empathy map of a client persona, then confronts its reading. Immediate effect: people discover they talk about the same user, not the same contract.
Output: 6 consolidated empathy maps · shared user language.
Rebuild the end-to-end journey with the real internal actors (sales, ops, support, IT). Each touchpoint is validated by whoever owns it. Pain points come out in conversation and get pinned on the wall.
Output: 5-phase journey · 10 pain points mapped · clear ownership per step.
Each pain point is reframed as an opportunity. The teams vote on the "how might we" worth an MVP. No debate on the canvas, focus on the prioritised action.
Output: top 12 HMW · impact / effort scoring · VP backlog.
The final workshop that condenses previous outputs into a single VP statement. Everyone defends, adjusts, signs. Out of the room = VP shared by IT + Business + Innovation.
Output: VP in one sentence · alignment signed · go for Diamond 2.
At SPEOS I didn't start with a Lean Canvas. I started with a Stakeholder Map and a Customer Journey AS-IS. Context dictates the tool, not the other way round. An early-stage organisation in digital transformation needs to see before it imagines. A Value Proposition crystallises after observation, not at the start of a session.
| Dimension | Classic approach | Best Practice (large Belgian accounts · banking, energy, telecoms) |
|---|---|---|
| Business (ROI) | Define needs. | Work with UX to define expectations. |
| IT (Technology) | Implements solutions. | Focus on architecture & delivery. |
| UX (Users) | Rare or integrated into IT. | Dedicated, cross-functional, strategic department. |
Four Discovery + Analysis inputs converge into one sentence, not into a canvas.
Before · POs wanted features, PMs a stack, clients five logins. After · an orchestrated host · 10 pains → 5 MVP deliverables + 6 MVP++.
Not a platform per segment. An orchestrated platform.
Source · SPEOS Concept Report 2024 · slide "VP statement" verbatim
10 field-tested personas · 8 synthesised archetypes. Here are 2 of them, as illustration.
Nicolas · 45 · Document Operations Manager · large Energy account
"A good tool is invisible when everything works, and clear when something breaks."
Moustafa · 62 · Print & Archiving Expert · large Energy account
"Not a cool product. An ultra-reliable cockpit to pilot his documents."
Three shared jobs-to-be-done: take back control, reduce blind spots, have tools tuned to their hours (support from 5:30am) and their compliance stakes.
The verbatim mechanics of the Concept Report. The 10 pain points produce 11 opportunities; 5 are scoped MVP, 6 placed MVP++.
| 10 Pain Points | 5 MVP VPs delivered |
|---|---|
| 1. Time-to-Market Delays | VP 01 Onboarding · IT-less |
| 2. Lack of Automation | VP 01 Onboarding |
| 3. Customer Autonomy | VP 02 Monitoring · real-time |
| 4. Tool Complexity | VP 03 Reports & Archives |
| 5. Lack of Proactivity | VP 02 Monitoring |
| 6. Gaps in Digital | VP 03 Reports |
| 7. Service Rigidity | VP 05 Support · self-service |
| 8. Competitive Pressure | VP 02 + VP 05 |
| 9. Billing Complexity | VP 04 Billing · tiered |
| 10. Expansion Challenges | placed in MVP++ |
MVP / MVP++ scope. 5 MVP deliverables cover the 6 phases of the Customer Lifecycle. The Market Expansion and Marketplace API Integrators opportunities are scoped MVP++ phase 2, post one-stop host validation.
Project Owners, Project Managers, Operations and Sales share the same sentence. Shared foundation signed. Arbitration moves from "what" to "when".
Logical next → Ideation · Develop · 2 directions explored, one retained Ideation · 2 directions, une retenueTwo paths out of the workshops. Silo · each product with its own login, shipped in 6 months but reproduces fragmentation. One-stop · orchestrated host, persona-driven onboarding, API-ised capabilities, dev time doubled. Sponsor picks the second · tiered pricing opens the SME segment left to competitors.
Five siloed apps, five logins, five supports. The client juggles, IT maintains five stacks, Business sells five products instead of a platform. Fastest to ship, but reproduces the fragmentation pointed at by the 12 expert interviews.
One entry door. Onboarding recognises the persona, their role, their channel. Five Value Props cover the ingest · compose · distribute · archive cycle. IT maintains one stack, Business sells one platform.
Not a suite of products each with its own door. One orchestrated host, driven by persona and need typology.
Canonical pipeline · ingest → compose → distribute → archive. Five priority Value Props on that skeleton · Onboarding · Monitoring · Reports & Archives · Billing · Support.
Five Value Props forming a single experience loop. The client enters through onboarding, monitors continuously, archives proofs, pays for what they consume, and resolves incidents in self-service. The cycle loops back on the next product, the next volume, the next channel.
Multi-langue · multi-juridiction · B2G pays par pays
De dix points de friction à cinq leviers défendables.
Self-onboarding piloté par persona & typologie de besoin.
Voir VP 01 →End-to-end visibility · proactive alerts · fallback multi-canal.
Voir VP 02 →Audit-ready by default · pricing tiered transparent.
Voir VP 03 + 04 →Portail self-service · knowledge base intégrée · ticket asynchrone.
Voir VP 05 →Value Proposition · verbatim Concept ReportOur IT-less onboarding helps Customer Account Managers who want to onboard new clients quickly, by removing IT dependencies and accelerating time-to-market.
The client configures and monitors campaigns on their own, without an IT ticket. Source: Concept Report · Opportunity 1 · Enhanced Customer Experience.
Tailored views for Large Accounts, SMEs and specific sectors (Finance, Operations, BI). The wizard knows who is in front of it.
Simplified process for small structures. Source: Concept Report · Opportunity 2 · Automation & Scalability.
Value Proposition · verbatim Concept ReportOur real-time monitoring helps Operations and Business teams who want to trace document flows with confidence, by providing end-to-end visibility, proactive alerts, and by reducing risks and support dependence.
The ingest → compose → distribute pipeline is made observable step by step. No more calling Customer Service to know where a sending stands.
The system flags the incident before the client notices. Source: Concept Report · Opportunity 7 · Proactive Customer Engagement.
If the digital channel fails, print fallback in one click. Source: Concept Report · Opportunity 3 · Multi-Channel Integration.
Value Proposition · verbatim Concept ReportOur Reports & Archives help Finance, Compliance and Operations teams who need to master costs, guarantee traceability and stay compliant, by delivering structured reports, centralised archives and audit-ready proofs, accessible in a single place.
Every flow generates its proof at source. eIDAS trusted service. B2G PEPPOL compliance for the Belgian mandate of 1 January 2026.
Basic / Gold / Custom tiers. Pay-as-you-go or subscription for SMEs. Source: Concept Report · Opportunity 5 · Flexible Pricing Models.
Every invoice line points to its source batch. Finance Teams stop reconciling CSVs. Source: Pain Point 9 Billing Complexity.
Value Proposition · verbatim Concept ReportOur integrated support platform helps operational users handling critical flows (documents, invoices, mailings), who want more autonomy, visibility, and faster resolution of their technical incidents, by offering a self-service portal with ticket creation, real-time tracking, SLA priorities and direct access to the tech teams when needed, unlike traditional models that rely on slow, manual processes and human bottlenecks.
Ticket creation, live tracking, knowledge base per persona. The user resolves first, escalates if needed.
Tier 1 self-service · Tier 2 SPEOS support on SLA · Tier 3 Engineering access. The human bottleneck becomes an escalator.
A single portal for onboarding, monitoring, billing, archives. Source: Concept Report · Opportunity 10 · Unified Client Portal.
Two capabilities identified in Discovery, placed outside the MVP. They only wait on host consolidation to activate. Source: Concept Report · Opportunity 6 (Market Expansion) + Opportunity 11 (Competitive Differentiation).
Multi-language, multi-jurisdiction, B2G compliance country by country. The API stack and tiered pricing make expansion economically viable, where dependence on Belgian paper volume capped it.
The 3rd Concept Report segment, Integrators and Resellers, embeds the Value Props in their own offer. The marketplace exposes the APIs, docs and partner pricing. Growth through leverage.
Concept Report presented to the six pilots. In parallel, two Energy personas · Moustafa and Bogdan · test three prototype scenarios.
Combined score 4.4 / 5 — 88%
Combined score 4.1 / 5 — 82%
Combined score 3.6 / 5 — 72%
Energy · large multichannel volume · strong validation on orchestration and audit-ready. The reference that reassures the sponsor.
B2G compliance + multi-language. Validation on conformity, expansion request in phase 2.
Moderate volume, confidentiality demand. Strong validation on IT-less onboarding.
Validation on tiered pricing and readable billing. Pay-as-you-grow requested.
Embeds SPEOS in its client offer. Top request: marketplace API and partner documentation.
API validation. Reproducible with their own ERP clients, leverage effect identified.
Six clients out of six validate the direction before development. The sponsor decides go-production based on the Concept Report and the SUPERQ test — combined score 4.03/5, NPS 9/10.
Business Project Owner wanted sellable features, IT Project Manager a maintainable stack, Project Lead arbitrated the schedule. Two workshop formats bridged it · small IT workshops, large Customer Journey workshops.
The platform only held if all three vertices won. An idea where two won and one lost was set aside. No compromise, no middle ground. Three criteria, not an average.
Large Accounts (built2mail), SMEs (easy2mail), Integrators. Three segments, three entries into the same platform. Persona-driven onboarding, self-service autonomy, audit-ready by default. The client stops juggling between apps.
Tiered pricing opens the SME segment left to agile competitors. The seamless print and digital multichannel frees SPEOS from paper-volume dependence. The compliance leadership position consolidates as the 2026 B2B mandate approaches.
Orchestration replaces the inherited silos. API-isation per layer, observable pipeline, automatic fallback between channels. IT maintains one platform, no longer five inherited debts.
Any idea that didn't validate the three vertices was set aside. Three criteria, not an average.
Concept Report signed by sponsor. Six pilot clients validate. Prioritised Value Props roadmap, ready in SAFe sprints. Written production decision.
The seamless print and digital multichannel frees SPEOS from paper-volume dependence. Pricing per channel and per typology becomes manageable, where the structural 8 percent yearly drop in Belgian mail would have made it untenable.
The easy2mail tier (SMEs, pay-as-you-grow) and the marketplace API (Integrators) open two segments left to agile competitors. The PEPPOL mandate on 1 January 2026 catalyses demand on the Belgian mid-market.
Against digital-first players targeting SMEs and international players targeting line-of-business SaaS, SPEOS remains a B2G compliance pioneer and scales through API leverage. Position consolidated, not eroded.
Integrity note. Concept Report delivered and validated. Rollout moved into Agile sprints on the SPEOS side. What I claim stops at the exit: 76-page deliverable, six aligned clients, Customer · Business · Tech triangle in the green.
Six months after delivery, three choices still hold. Nothing to replay differently. Design found its place in the workflow and in the org chart.
Strategyzer, Customer Journey, Service Blueprint, Design Sprint are tools from the same Design System. Mastery is not picking one. It is knowing which, when, with whom in the room. On SPEOS, the AS-IS Customer Journey and Pain Points had the right ratio of narrative and precision to align Business and IT.
The sponsor hired me on the Business side to defend a new revenue line. But the Value Proposition only held if IT saw a maintainable stack in it. Come in through the Business story, validate every trade-off with the tech lead before the workshops: that is the pattern that avoided the 'very nice, not implementable'.
At every tension, moving from argument to artefact unblocked the conversation: the journey map on the wall, the wireframe in hand, the pain point quoted in a customer's own words. The sponsor does not buy a method. He buys a validation signal. The toolkit exists to produce the artefact that makes the invisible visible.
Anyone I worked with on SPEOS, from CEO to tech lead, can vouch for it. That is the matter of Service Design: people who call you back.