#31. The episode digs into why customer service in superannuation call centres is consistently failing, what that means for members at moments of real need, and whether mandatory service standards are required to fix it.

Xavier O'Halloran of Super Consumers Australia joins Neil Benson and Sarah Penn to break down the findings of a first-of-its-kind research project: not one super fund met basic customer care expectations, with average scores across the industry barely scraping 49 out of 100.

The conversation moves beyond the numbers to challenge assumptions about what good service actually looks like in super, question the incentives facing funds, and ask whether consumers can trust the market to improve on its own—or if regulation and public benchmarking are the only way forward.

There's a clear sense that too much focus on efficiency metrics, like short call durations, misses the real point: helping people, often at their most vulnerable. The hosts and guest also debate wider consumer protection gaps, from SMSFs to retirement product design, arguing that fair and accessible service must be a foundation, not an afterthought.

Who should listen

• Super fund executives and trustees concerned about service standards or looming regulation
• Contact centre leaders tasked with improving member experience
• Policy or compliance professionals tracking how customer care is shaping industry benchmarking and government intervention

Standout quote

"They just had to act like a human. So not very high bar, but that was the one that they scored worse on." — Xavier O'Halloran

Highlights

04:40 Issues with superannuation customer service

06:45 Improving service through practical examples

10:55 Addressing vulnerable customer interactions

14:59 Research to improve fund transparency

18:54 Consumer channel preferences by age

19:32 Superannuation accessibility and diversity

24:00 Discussion on advice fee levies

27:53 Proposed reforms for SMSF trustees

30:16 Concerns about low-cost SMSFs

33:04 Understanding consumer retirement planning

37:11 Evaluating retirement investment options

42:08 Advancements in individual savings

45:53 Improving retirement service integration

49:32 Concerns about retirement planning changes

51:19 Discussing safe harbor legislation concerns

Guest: Xavier O'Halloran

• Connect with Xavier O'Halloran on LinkedIn
• Follow Super Consumers Australia on LinkedIn
• Visit Super Consumers Australia website

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