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December 4, 2025Recently, I’ve been thinking about how many brands are struggling to keep up with changing customer expectations.
That made me think about something I wrote ten years ago that explored whether the mental models that we employ are the things that are holding us back.
That post still feels relevant today, so I thought I’d re-publish it as a bit of a REDUX.
Enjoy 🙂
Are your mental models getting in the way of improving your customer experience?
Every now and again I read something and it makes me stop and think.
However, on further reflection it becomes clear how and why the example in question works.
One such example that offers a good lesson when it comes to designing customer experiences for maximum impact comes from a recent Economist article called: A phoneful of dollars . The article in question discusses financial inclusion and how poor people around the world engage (or not) with banks and other financial service institutions and, also, what alternatives they use.
But, that’s not the point of this piece.
One thing in particular stood out for me in The Economist article and that was the story about the US financial institution, Self-Help Credit Union, found that:
“more people used its services when it opened a branch in a strip mall and designed it to look like a check-casher, with fluorescent lighting and linoleum floors, than when it had a traditional bank-branch design, with plush carpets and leather chairs.”
Now, when I first read that paragraph and what they had done it didn’t make sense to me. It seemed to run counter to everything we know and associate with banks and other financial institutions.
And, that’s the point.
Self-Help Credit Union offers a perfect example of how a financial institution with plants and carpets and sofas can fit the organisation’s ‘mental model’, and that of many others, of what they think they should be and should look like.
However, what their example also proves is that this can often cause problems when compared to what customers can want, expect and feel comfortable with, particularly when it comes to new customers.
Self-Help’s experience offers a great example of the differences that can exist between the “mental model of the customer” as compared to the “mental model of the company”.
The reality is that we all have mental models and use them all of the time. However, when it comes to designing customer experiences we should be careful to distinguish between the mental models that exist in our own minds, and that of our organisations ,and those that exist in the minds of our customers. Doing so will help us develop customer experiences that, as Self-Help Credit Union found, perform better and get used more.
This post was originally published on my Forbes.com column and here on adrianswinscoe.com.
Credit: Photo by ANOOF C on Unsplash





2 Comments
This was a thought-provoking piece on how our own mental models can quietly block real progress in customer experience. The way you challenge leaders and teams to step outside their internal assumptions and truly see journeys from the customer’s perspective is both refreshing and very practical. Loved the REDUX framing as well—it’s a powerful reminder that revisiting and rethinking the basics is often where the biggest CX breakthroughs come from.
This was a really insightful read — I appreciate how clearly you explain the evolving role of customer experience in today’s world. The examples and practical ideas make the concepts feel very actionable. I’m especially inspired by your emphasis on empathy and human-centred service. Looking forward to reading more from you and applying these insights to my own work.