Study Data · Part 5 · Indicator Deep-Dive Analysis

I discussed the process alteration with internal management

Indicator C206 · By Phil Hatch · Akholi · October 9, 2026

Indicator Specification

Table 1. Indicator specificationTable
FieldValue
Indicator codeC206
Question as askedI discussed the process alteration with internal management
Failure categoryNot one of the 100 rated indicators
Place in the surveyChallenge Deep Dive > 5.6 Alterations > Client Processes
Indicator classRespondent level
Indicator typeYes or no
Response scaleLevels: Yes, No
Answering base459 of 850 respondents gave one of the listed answers. 472 answered, counting I do not know and I prefer to not answer, across 132 of 150 engagements
Non-answersI do not know 0, I prefer to not answer 13, blank 378
Written responses addressing the indicator257 responses from 238 respondents on 109 engagements (255 primary, 2 secondary)

Summary of Findings

Table 2. Key results: association of the indicator with the four study measuresTable
MeasureEffect sizenValuep
Cancellation rateOmega squared, 0 or 1 flag123 engagements0.0490.008
Customer satisfactionNot tested: fewer than two levels of 10 or more engagements
Engagement indicator meanOmega squared123 engagements0.045< 0.001
Intent to leaveOmega squared123 engagements0.055< 0.001

Of the 459 respondents who answered, 341 (74.29%) answered True and 118 (25.71%) answered False. At engagement level, the answer was associated with cancellation, the engagement indicator mean and intent to leave. Engagements whose respondents most often said they had discussed the process alteration with internal management were canceled less often (35.00% of 100 engagements against 65.22% of 23), recorded a higher engagement indicator mean and had lower intent to leave among their respondents. The association with customer satisfaction was not tested, because fewer than two answers were assigned to at least ten engagements.

The share answering True did not differ by any segment family after Holm correction.

Of the 257 written responses, 225 were positive and 29 negative. The positive responses, nearly all under C210, said the respondent had told the team lead or manager, and some added that the financial institution was not told. Most negative responses came from respondents who had told no one, or no one above them.

Distribution of Responses

Table 3. Distribution of responses, respondent levelTable
AnswerRespondentsShare of answered (base 459)Cumulative shareEngagements with at least oneShare of 150 engagementsDistressed
Yes34174.29%74.29%12180.67%Not applicable
No11825.71%100.00%6140.67%Not applicable
I prefer to not answer13Not in baseNot in base138.67%Not applicable
Answered, total459100.00%13288.00%

Of the 459 respondents who answered, 341 (74.29%) answered True and 118 (25.71%) answered False. The non-answers were I prefer to not answer (13). Each engagement was assigned the answer given by the largest number of its respondents. True was the assigned answer on 100 engagements and False on 23, and 27 engagements were tied or unanswered and carry no assigned answer.

Coverage and Origin of Written Responses

Figure 1. Written responses addressing the indicator, by question answered and written score (n = 257 responses)Exhibit
062.16124.32186.48248.64C210 (primary)2216331C208 (primary)26C204 (primary)C114 (secondary)C156 (secondary)−10 Strongly negative−5 Negative0 Neutral+5 Positive+10 Strongly positive
Note: Each bar is one survey question. C210, C208 and C204 are the written-answer questions of the indicator's survey section, so their responses are primary. The responses to every other question are secondary. Segments wide enough to hold a label carry their count. C210 asked: “Comment” C208 asked: “Why did you alter client processes?” C204 asked: “Comment” C114 asked: “Add any comments on the customer organization that the ratings in this section do not capture.” C156 asked: “Add any comments on the joint management of this engagement that the ratings in this section do not capture.”
Table 4. Written responses by originTable
OriginResponsesRespondentsEngagementsNegativeStrongest negative (−10)PositiveMean written score
Primary25523810929 of 255 (11.37%)24 of 255 (9.41%)223 of 255 (87.45%)4.0
Secondary2220 of 20 of 22 of 2‡
All responses25723810929 of 257 (11.28%)24 of 257 (9.34%)225 of 257 (87.55%)4.0
Note: ‡ Base under 10. No statistic is reported.

The primary responses numbered 255, written in answer to C210, C208 and C204, the written-answer questions of the indicator's survey section. The remaining 2 responses, 0.78% of the total, were secondary and came from 2 other questions. That secondary share ranked 11th from the highest among the 13 Part 5 indicators with 30 or more written responses, against a median of 2.00%. Respondents who wrote both a primary and a secondary response numbered 2. Negative responses made up 11.37% of primary responses (29 of 255) and 0 of the 2 secondary responses.

The 222 responses to C210 described how the alteration was handled within the vendor. In 173, the respondent said they told the team lead, manager or team, or that the lead or manager already knew. Respondents placed the alteration at a frequency, such as every cycle, most weeks or seven out of ten, in 122 responses, and said that telling the lead changed nothing at the financial institution in 21.

Across all questions, respondents said the financial institution was not told in 45 responses. Three responses said the financial institution had been told directly or in writing. In 17 of the 29 negative responses, the respondent said they had told no one, or no one above them, of the alteration, and in six the respondent had told the lead or manager and seen nothing change.

Distribution of Written Sentiment

Figure 2. Distribution of written sentiment (n = 257 responses)Exhibit
0%25%50%75%100%−10 Strongly negative24 (9.34%)−5 Negative5 (1.95%)0 Neutral3 (1.17%)+5 Positive191 (74.32%)+10 Strongly positive34 (13.23%)Share of responses
Note: Column height is the share of the 257 responses. Labels give the count and the share.
Table 5. Summary statistics of written sentimentTable
StatisticValueBasis
Mean written score4.095% CI 3.3 to 4.7, cluster bootstrap by engagement, 10,000 draws, n = 257 responses
Median written score5.0n = 257 responses
Negative responses29 of 257 (11.28%)95% CI 7.11% to 16.14% of 257 responses, cluster bootstrap by engagement
Strongest negative responses (−10)24 of 257 (9.34%)Statements of totality, constancy or serious harm
Positive responses225 of 257 (87.55%)+5 or +10
Net balance76.26 percentage pointsShare positive minus share negative, base 257 responses
Respondent-level mean3.9Mean of each respondent's own mean written score, n = 238 respondents

Of the 257 responses, 29 (11.28%, 95% CI 7.11% to 16.14%) were negative and 24 (9.34%) carried the strongest negative score of −10. Positive responses numbered 225 (87.55%), and 3 were neutral. The mean written score was 4.0 (95% CI 3.3 to 4.7, n = 257 responses), and the median was 5.0.

Descriptive Statistics by Segment

Table 6. Descriptive statistics by segmentTable
SegmentBaseAnsweredAnswer rateEngagementsYes, shareNo, share
Study set85045954.00% of 85013274.29%25.71%
Outsourcing model
CXM23210444.83% of 2323771.15%28.85%
ITO24412852.46% of 2443369.53%30.47%
BPO20913966.51% of 2093678.42%21.58%
KPO1658853.33% of 1652678.41%21.59%
Institution type
Asset management1326045.45% of 1321973.33%26.67%
Wealth management and private banking1407855.71% of 1401979.49%20.51%
Investment banking (advisory and capital-markets origination)1056965.71% of 1051962.32%37.68%
Insurance (life, property and casualty, health)783544.87% of 781280.00%20.00%
Commercial and business banking824656.10% of 821169.57%30.43%
Payments and merchant acquiring (networks, acquiring, processing)713549.30% of 711182.86%17.14%
Credit card and payments issuing733852.05% of 731165.79%34.21%
Retail and consumer banking734054.79% of 731280.00%20.00%
Markets and trading (sales and trading, global markets)573561.40% of 571082.86%17.14%
Private equity and private capital392358.97% of 39873.91%26.09%
Process family
Corporate and back-office functions24813052.42% of 2484073.85%26.15%
Technology engineering and operations2049948.53% of 2042975.76%24.24%
Client servicing and communications945558.51% of 941565.45%34.55%
Trade, settlement and reconciliation805163.75% of 801574.51%25.49%
Payments, cards and disputes733852.05% of 731184.21%15.79%
Credit, underwriting and suitability572543.86% of 57780.00%20.00%
Regulatory, audit, tax and legal513058.82% of 51880.00%20.00%
Financial crime and client onboarding433172.09% of 43764.52%35.48%
Class of work
LOB Operational45125456.32% of 4516871.65%28.35%
Corporate Functional39920551.38% of 3996477.56%22.44%
Engagement status and lifecycle stage
Active, Build-Out1757241.14% of 1752781.94%18.06%
Active, Transition/Cut-Over25012750.80% of 2503584.25%15.75%
Active, Production1034543.69% of 1031682.22%17.78%
Canceled32221566.77% of 3225464.19%35.81%
Respondent role
Individual Contributor66745067.47% of 66713273.78%26.22%
Engagement Manager15096.00% of 150990
Portfolio Director3100.00% of 31000
Customer Management Executive200 of 2000
Vendor type
IT services major31616351.58% of 3165069.33%30.67%
BPO specialist19811859.60% of 1983673.73%26.27%
Consulting firm1175748.72% of 1171875.44%24.56%
Boutique or specialist provider874349.43% of 871576.74%23.26%
Pure-play agentic AI firm753952.00% of 751187.18%12.82%
Not reported, recovered by engagement573968.42% of 573579.49%20.51%

Each share is computed on the respondents who answered in that row. Rows with fewer than 10 respondents report counts only.

Tests of Difference Between Segments

Table 7. Tests of difference between segmentsTable
Segment familyUnitChi-squaredfpHolm pCramer's VTest for pLevels excluded
Outsourcing modelEngagement2.1230.5741.0000.13Monte Carlo, simulatedNone
Institution typeEngagement2.4960.8841.0000.16Monte Carlo, simulatedCommercial and business banking, n = 9, Credit card and payments issuing, n = 8, Private equity and private capital, n = 7
Process familyEngagement1.8840.7671.0000.14Monte Carlo, simulatedCredit, underwriting and suitability, n = 6, Regulatory, audit, tax and legal, n = 8, Financial crime and client onboarding, n = 7
Class of workEngagement4.3110.0380.2270.19chi-squareNone
Engagement status and lifecycle stageEngagement7.2330.0630.3170.24Monte Carlo, simulatedNone
Respondent roleRespondentaEngagement Manager, n = 9, Portfolio Director, n = 0, Customer Management Executive, n = 0
Vendor typeRespondent6.2450.2831.0000.12chi-squareNone
Note: a Not tested: fewer than two levels of 10 or more engagements.

Segment families recorded at engagement level were tested on engagements, and respondent role and vendor type on respondents. The share answering True did not differ by any segment family after Holm correction.

Written Sentiment by Segment

Figure 3. Written sentiment by engagement status and lifecycle stage, share of each group's responsesExhibit
0%25%50%75%100%All responses (n = 257)9.3%74.3%13.2%Active, Build-Out (n = 47)80.9%10.6%Active, Transition/Cut-Over (n = 84)84.5%10.7%Active, Production (n = 22)72.7%18.2%Canceled (n = 104)16.3%63.5%15.4%−10 Strongly negative−5 Negative0 Neutral+5 Positive+10 Strongly positive
Note: Each bar is the whole of its group's responses, divided by written score from −10 at the left to +10 at the right. Segments large enough to hold a label carry their share.
Table 8. Written sentiment by segmentTable
SegmentResponsesRespondentsEngagementsMean written scoreNegativeStrongest negative (−10)
Engagement status and lifecycle stage
Active, Build-Out4744244.53 of 47 (6.38%)3 of 47 (6.38%)
Active, Transition/Cut-Over8475314.94 of 84 (4.76%)3 of 84 (3.57%)
Active, Production2221135.01 of 22 (4.55%)1 of 22 (4.55%)
Canceled10498412.921 of 104 (20.19%)17 of 104 (16.35%)
Respondent role
Individual Contributor2492311084.029 of 249 (11.65%)24 of 249 (9.64%)
Engagement Manager877‡0 of 80 of 8
Portfolio Director000No responses
Customer Management Executive000No responses
Note: ‡ Base under 10. No statistic is reported.

Written sentiment did not differ by engagement status and lifecycle stage across the 109 engagements with a written response (Kruskal-Wallis H 4.98, df 3, p = 0.174). Of the groups with 10 or more responses, responses from canceled engagements were the most negative (mean 2.9, 104 responses) and responses from active engagements in Production the least negative (mean 5.0, 22 responses).

No test across respondent roles was run, because fewer than two roles had 30 or more written responses. Individual contributors wrote 249 responses, engagement managers 8.

Association with Cancellation Rate

Cancellation rate is the share of engagements canceled by the study date, measured at engagement level (150 engagements, 56 canceled). Canceled engagements were rated after cancellation. The association is therefore a descriptive contrast and not a forecast of cancellation. Each test compares the engagements by their assigned answer, within the study set and within each segment.

Table 9. Association with cancellation rate by answer levelTable
Answer levelEngagementsCanceledCancellation rate
Yes1003535.00%
No231565.22%
I prefer to not answer0No engagements
Table 10. Association with cancellation rate, tests across answer levels by segmentTable
SegmentEngagementsChi-squaredfpHolm pCramer's VTest for p
Study set1237.0810.0080.0160.24chi-square
Outsourcing model
CXM34a
ITO31a
BPO33a
KPO25a
Institution type
Asset management19a
Wealth management and private banking19a
Investment banking (advisory and capital-markets origination)19a
Insurance (life, property and casualty, health)11a
Commercial and business banking9‡
Payments and merchant acquiring (networks, acquiring, processing)10a
Credit card and payments issuing8‡
Retail and consumer banking11a
Markets and trading (sales and trading, global markets)10a
Private equity and private capital7‡
Process family
Corporate and back-office functions34a
Technology engineering and operations27a
Client servicing and communications15a
Trade, settlement and reconciliation15a
Payments, cards and disputes11a
Credit, underwriting and suitability6‡
Regulatory, audit, tax and legal8‡
Financial crime and client onboarding7‡
Class of work
LOB Operational674.9210.0270.0270.27chi-square
Corporate Functional56a
Engagement status and lifecycle stage
Active, Build-Outb
Active, Transition/Cut-Overb
Active, Productionb
Canceledb
Note: ‡ Base under 10. No statistic is reported. a Not tested: fewer than two levels of 10 or more engagements. b Not tested: no variation in cancellation.

Of the engagements whose respondents most often answered True, 35 of 100 (35.00%) were canceled, against 15 of 23 (65.22%) of those whose respondents most often answered False (chi-square 7.08, p = 0.008, Cramer's V 0.24, n = 123 engagements). The difference reached significance and held after Holm correction in 1 of the 1 segment levels tested.

Association with Customer Satisfaction

Customer satisfaction is the percentage recorded against each engagement. The primary estimate uses the 94 active engagements.

Table 11. Association with customer satisfaction by answer levelTable
Answer levelEngagementsMean of the measureSD
Yes6562.911.1
No8‡
I prefer to not answer0No engagements
Note: ‡ Base under 10. No statistic is reported.
Table 12. Association with customer satisfaction, tests across answer levels by segmentTable
SegmentEngagementsWelch FdfpHolm pOmega squared90% CI
Study set73a
Outsourcing model
CXM20a
ITO18a
BPO21a
KPO14a
Institution type
Asset management7‡
Wealth management and private banking12a
Investment banking (advisory and capital-markets origination)10a
Insurance (life, property and casualty, health)6‡
Commercial and business banking7‡
Payments and merchant acquiring (networks, acquiring, processing)7‡
Credit card and payments issuing5‡
Retail and consumer banking7‡
Markets and trading (sales and trading, global markets)7‡
Private equity and private capital5‡
Process family
Corporate and back-office functions19a
Technology engineering and operations18a
Client servicing and communications6‡
Trade, settlement and reconciliation7‡
Payments, cards and disputes9‡
Credit, underwriting and suitability5‡
Regulatory, audit, tax and legal5‡
Financial crime and client onboarding4‡
Class of work
LOB Operational39a
Corporate Functional34a
Engagement status and lifecycle stage
Active, Build-Out25a
Active, Transition/Cut-Over33a
Active, Production15a
Canceledb
Note: ‡ Base under 10. No statistic is reported. a Not tested: fewer than two levels of 10 or more engagements. b Not tested: canceled engagements fall outside the active population.

Among active engagements, customer satisfaction was 62.9% (n = 65 engagements) where respondents most often answered True and 54.0% (n = 8 engagements) where respondents most often answered False. No test was computed, because fewer than two answers were assigned to at least ten engagements.

Association with the Engagement Indicator Mean

The engagement indicator mean is the mean of an engagement's ratings across the rated indicators, measured at engagement level. The indicator is not a rated indicator and does not enter the mean.

Table 13. Association with the engagement indicator mean by answer levelTable
Answer levelEngagementsMean of the measureSD
Yes1003.91.4
No233.10.8
I prefer to not answer0No engagements
Table 14. Association with the engagement indicator mean, tests across answer levels by segmentTable
SegmentEngagementsWelch FdfpHolm pOmega squared90% CI
Study set12312.681, 55.2< 0.0010.0020.0450.007 to 0.129
Outsourcing model
CXM34a
ITO31a
BPO33a
KPO25a
Institution type
Asset management19a
Wealth management and private banking19a
Investment banking (advisory and capital-markets origination)19a
Insurance (life, property and casualty, health)11a
Commercial and business banking9‡
Payments and merchant acquiring (networks, acquiring, processing)10a
Credit card and payments issuing8‡
Retail and consumer banking11a
Markets and trading (sales and trading, global markets)10a
Private equity and private capital7‡
Process family
Corporate and back-office functions34a
Technology engineering and operations27a
Client servicing and communications15a
Trade, settlement and reconciliation15a
Payments, cards and disputes11a
Credit, underwriting and suitability6‡
Regulatory, audit, tax and legal8‡
Financial crime and client onboarding7‡
Class of work
LOB Operational6710.141, 41.50.0030.0050.0810.013 to 0.217
Corporate Functional56a
Engagement status and lifecycle stage
Active, Build-Out25a
Active, Transition/Cut-Over33a
Active, Production15a
Canceled504.231, 22.90.0510.0510.0720.004 to 0.231
Note: ‡ Base under 10. No statistic is reported. a Not tested: fewer than two levels of 10 or more engagements.

The engagement indicator mean was 3.9 (n = 100 engagements) on engagements whose respondents most often answered True and 3.1 (n = 23 engagements) on those whose respondents most often answered False (Welch F 12.68, p < 0.001, omega squared 0.045, n = 123 engagements). The difference reached significance and held after Holm correction in 1 of the 2 segment levels tested.

Association with Intent to Leave

Intent to leave is the answer to C019, “How likely are you to leave your current job in the next 12 months?”, rated 1 to 10 by up to 798 respondents. For the indicator, the comparison uses the mean intent to leave of each engagement.

Table 15. Association with intent to leave by answer levelTable
Answer levelEngagementsMean of the measureSD
Yes1006.82.3
No238.21.4
I prefer to not answer0No engagements
Table 16. Association with intent to leave, tests across answer levels by segmentTable
SegmentEngagementsWelch FdfpHolm pOmega squared90% CI
Study set12314.961, 53.5< 0.001< 0.0010.0550.011 to 0.143
Outsourcing model
CXM34a
ITO31a
BPO33a
KPO25a
Institution type
Asset management19a
Wealth management and private banking19a
Investment banking (advisory and capital-markets origination)19a
Insurance (life, property and casualty, health)11a
Commercial and business banking9‡
Payments and merchant acquiring (networks, acquiring, processing)10a
Credit card and payments issuing8‡
Retail and consumer banking11a
Markets and trading (sales and trading, global markets)10a
Private equity and private capital7‡
Process family
Corporate and back-office functions34a
Technology engineering and operations27a
Client servicing and communications15a
Trade, settlement and reconciliation15a
Payments, cards and disputes11a
Credit, underwriting and suitability6‡
Regulatory, audit, tax and legal8‡
Financial crime and client onboarding7‡
Class of work
LOB Operational6710.991, 49.60.0020.0030.0760.011 to 0.211
Corporate Functional56a
Engagement status and lifecycle stage
Active, Build-Out25a
Active, Transition/Cut-Over33a
Active, Production15a
Canceled500.831, 20.30.3730.3730.0020.000 to 0.127
Note: ‡ Base under 10. No statistic is reported. a Not tested: fewer than two levels of 10 or more engagements.

The engagement mean of intent to leave was 6.8 (n = 100 engagements) on engagements whose respondents most often answered True and 8.2 (n = 23 engagements) on those whose respondents most often answered False (Welch F 14.96, p < 0.001, omega squared 0.055, n = 123 engagements). The difference reached significance and held after Holm correction in 1 of the 2 segment levels tested.

Association of Written Sentiment with the Study Measures

Table 17. Written sentiment and the study measuresTable
ComparisonWith a negative responseWithout a negative responseTestStatisticnp
Cancellation rate, engagements16 of 24 (66.67%)40 of 126 (31.75%)Fisher exact1500.002
Customer satisfaction, active engagementsn = 864.62%, n = 86‡94
Engagement mean written score and cancellation, engagementsPoint-biserial r−0.211090.031
Respondent mean written score and intent to leave, respondentsSpearman rho−0.082250.215
Note: ‡ Base under 10. No statistic is reported.

Two comparisons set the engagements with at least one negative response against all other engagements. Of the 126 other engagements, 41 had no written response addressing the indicator. These two comparisons therefore do not isolate written sentiment. Of the 24 engagements with a negative response, 16 (66.67%) were canceled, against 40 of the 126 other engagements (31.75%). The difference reached significance (Fisher exact p = 0.002). The comparison of customer satisfaction was not computed, because one of the two groups held too few active engagements.

Two correlations test written sentiment directly. Across the 109 engagements with a written response, a more negative engagement mean written score came with cancellation (point-biserial r −0.21, p = 0.031). Across 225 respondents, the respondent mean written score was not associated with intent to leave (Spearman rho −0.08, p = 0.215). Of the three comparisons, two reached significance at 0.05.

Comparison of Associations Across the Four Measures

Table 18. Associations across the four measuresTable
MeasureEffect sizenValuepEquivalent to zeroRank among the four
Cancellation rateOmega squared, 0 or 1 flag1230.0490.008No2
Customer satisfactionNot tested: fewer than two levels of 10 or more engagements
Engagement indicator meanOmega squared1230.045< 0.001No3
Intent to leaveOmega squared1230.055< 0.001No1

Steiger's z compares two correlations. A categorical indicator yields an effect size across its levels and not a correlation, so the pairs of measures were not compared by test. On omega squared, the association was strongest with intent to leave (0.055) and weakest with the engagement indicator mean (0.045). The association with customer satisfaction was not tested and has no effect size.

Clustering and Effective Sample Size

Table 19. Clustering and effective sample sizeTable
StatisticValueReading
Clusters (engagements)132Engagements with one or more answers.
Mean respondents per engagement3.6Answers per engagement, among engagements with one or more answers.
ICC(1)0.25Share of the variance that lies between engagements.
Design effect1.65One plus the product of the ICC and the mean cluster size less one.
Nominal respondent n472Every answer, with “I do not know” and “I prefer to not answer” counted as levels, as in the plurality rule.
Effective n287Nominal n divided by the design effect.
Cluster bootstrap appliedYesApplied to every respondent-level interval where the ICC is 0.05 or above.

Answers clustered within engagements (ICC 0.25). Clustering reduced the 472 respondent answers to the equivalent of about 287 independent answers. Respondent-level intervals therefore used the cluster bootstrap. Respondent-level tests used standard errors that allow for clustering by engagement.

Equivalence Tests of Null Results

Table 20. Equivalence tests of null resultsTable
MeasurenOmega squaredEquivalence boundEquivalence pEquivalent to zeroAchieved powerMDE at power 0.80
Cancellation rate1230.049Omega squared < 0.0900.222No0.930.061
Customer satisfactiona
Engagement indicator mean1230.045Omega squared < 0.0900.189No0.930.061
Intent to leave1230.055Omega squared < 0.0900.269No0.930.061
Note: a Not tested: fewer than two levels of 10 or more engagements.

No association tested was equivalent to zero. The equivalence bound is an omega squared of 0.090, the study's threshold for a negligible association expressed as variance explained.

Robustness Checks

Table 21. Robustness checksTable
CheckMeasurePrimary pCheck pCheck statisticConclusion holds
Kruskal-Wallis in place of Welch FCustomer satisfactionNot computedNot computedNot computedNot computed
Kruskal-Wallis in place of Welch FEngagement indicator mean< 0.0010.0146.01Yes
Kruskal-Wallis in place of Welch FIntent to leave< 0.0010.0096.84Yes
Active engagements onlyEngagement indicator mean< 0.001Not computedNot computedNot computed
Active engagements onlyIntent to leave< 0.001Not computedNot computedNot computed
Respondent level, cluster-robust Wald F by engagementCancellation rate0.008< 0.00113.40Yes
Respondent level, cluster-robust Wald F by engagementCustomer satisfactionNot computed< 0.00123.12Not computed
Respondent level, cluster-robust Wald F by engagementEngagement indicator mean< 0.001< 0.00167.17Yes
Respondent level, cluster-robust Wald F by engagementIntent to leave< 0.001< 0.00130.79Yes

All five checks computed held. Four checks were not computed, because the primary test or the check had too few engagements in a level: the Kruskal-Wallis check for customer satisfaction, the check on active engagements alone for the engagement indicator mean, the check on active engagements alone for intent to leave and the respondent-level clustered check for customer satisfaction. A check holds when its test falls on the same side of 0.05 as the primary test. The checks replace Welch's F with a Kruskal-Wallis test, repeat the tests on active engagements alone, and repeat them at respondent level with a Wald F clustered by engagement.

Measure Independence and Part-Whole Correction

Each of the four measures was computed from data the indicator does not contain. Each result is therefore a finding and not an arithmetic consequence.

Comparison with the Study Norm

A categorical indicator has no signed correlation with the study measures and therefore no profile against the study norm. The comparison by answer appears in the four association sections.

Comparison of Written Sentiment with Other Part 5 Indicators

Figure 4. Share of negative written responses, Part 5 indicators with 30 or more written responses (n = 13 indicators)Exhibit
0%25%50%75%100%C052C053C209C205C203C199C211C201C213C207C212C200C206Share of negative responsesMedian of the 13 indicators
Note: Each column is one indicator, ordered from the highest share of negative responses. The indicator is the amber column. The dashed line marks the median share, 98.03%.

Among the 13 Part 5 indicators with 30 or more written responses, the indicator's share of negative responses, 11.28%, ranked 13th from the highest, against a median of 98.03%. Its mean written score, 4.0, ranked 13th from the most negative, against a median of −6.3.

Co-Occurring Indicators and Themes

Figure 5. Other indicators and themes in the same written responses (n = 257 responses)Exhibit
064.96129.92194.88259.84Theme: Told vendor-side management232 (90.27%)C205167 (64.98%)C20794 (36.58%)Theme: Financial institution was nottold64 (24.90%)Theme: Occurs every cycle or most days64 (24.90%)Theme: Stated periodic rate62 (24.12%)C20951 (19.84%)Theme: Raised it, nothing came back48 (18.68%)C10941 (15.95%)C10030 (11.67%)Other indicatorsThemes
Note: Themes carry no score. Labels give the count and the share of the 257 responses. The figure shows each indicator and each theme among the five most frequent of its kind, with every tie at the cut. C205: “I have altered client processes” C207: “I or my management discussed process alteration with the client” C209: “My greater team regularly alters client processes.” C109: “Rate how quickly the customer responds when this engagement raises issues that need customer action.” C100: “Rate how completely the customer's processes are mapped and documented to the depth agentic AI requires.” Emotional states in the same responses, as counts: resigned 25, calm or fine 20, tired 15, frustrated 7, stressed 3, proud 1.

The indicator most often present in the same responses was C205, “I have altered client processes”, in 167 of the 257 responses (64.98%). C207, “I or my management discussed process alteration with the client” (94 responses), C209, “My greater team regularly alters client processes.” (51 responses), C109, “Rate how quickly the customer responds when this engagement raises issues that need customer action.” (41 responses) and C100, “Rate how completely the customer's processes are mapped and documented to the depth agentic AI requires.” (30 responses) followed.

The most frequent theme was “Told vendor-side management”, in 232 responses (90.27%). The second was “Occurs every cycle or most days”, in 64 responses.

Interpretation of the Data

Of the respondents who answered, 74.29% said they had discussed the process alteration with internal management. Engagements whose respondents most often said so were canceled less often, recorded a higher engagement indicator mean and reported lower intent to leave than those whose respondents most often said they had not. The association with customer satisfaction was not tested. Every check that could be computed held.

The written evidence describes disclosure that stopped inside the vendor. Respondents who discussed the alteration told the team lead or manager, and few responses said the financial institution had been told. Respondents who told no one described the same alterations made in silence. The associations do not establish that internal disclosure produced the outcomes.

Limitations

The evidence is the reported experience of the vendor's delivery teams, collected in a single cross-section. The associations reported here are not causal. The answer is the respondent's own report of an alteration and not a record of it.

Each engagement carries the answer given by the largest number of its respondents, and tied engagements are excluded from the engagement-level tests.

Shares of written sentiment are shares of responses and not of the study set of respondents. The written score takes five fixed values, so its mean and median are coarse. Responses clustered within engagements (257 responses on 109 engagements). Intervals for written sentiment therefore used a bootstrap by engagement.

The written responses are counted by sets of words stated in each rule. A response that described a practice in other words is not counted, so each count is a floor.

Only 23 engagements were assigned the answer False, so the comparisons rest on a small group.

Definitions

Table 22. DefinitionsTable
TermDefinition
Response scaleThe answer is True or False to the statement shown in the indicator specification. The indicator is not a rating. No distressed range applies.
Answering baseRespondents who answered True or False.
Non-answers“I do not know” and “I prefer to not answer” are counted separately. They are excluded from the answering base and from the shares.
Indicator classRespondent level: a report of the respondent's own action. Each engagement also carries the answer given by the largest number of its respondents, for the engagement-level tests.
Failure categoryThe five failure categories of the Study Taxonomy apply only to the rated indicators. The indicator carries none.
Engagement indicator meanThe mean of an engagement's ratings across the rated indicators. The indicator does not enter it.
Written responseA written answer about the respondent's own engagement that addresses the indicator. Non-answers and answers about another engagement are excluded.
Primary and secondaryA primary response answered the written-answer question of the indicator's survey section. A secondary response answered a question in another section and addressed the indicator in its content.
Written sentiment scoreEach written response carries one of five scores: −10, −5, neutral, +5 or +10. The sign records whether the response described the state of the indicator as harmful or helpful to the engagement. The magnitude records its strength. A score of −10 marks a statement of totality, constancy or serious harm.
Cluster bootstrapAn interval computed by resampling engagements rather than responses, so that the responses from one engagement stay together.

Sources and Provenance

Table 23. Sources and provenanceTable
SourceValue
Study dataStudy Data.xlsx, Data sheet, column C206, sha256 219eba0457274d04
Statistics enginecompute_statistics.py, sha256 738319eef764602b
Statistics recordComputed Statistics.json, record C206, sha256 1ae50a3637fc9370
ComputedOctober 13, 2026, 04:57 UTC
TemplateIndicator Template v2, version 2.0 of 10 October 2026
Figures placed by script931
Written responsesQuotes Master.jsonl, sha256 27da38085e2b13fd
Written sentiment scoresQuote Coding Rulebook, version 0.6, with section 21
Written-response computationqa_stats.py, sha256 74a61f3a96169da9. wfacts.py, sha256 b85fae20adf812a1. build_indicator.py, sha256 a97ad6e74627e11e
Written-response recordsC206.qa.json, sha256 0ce487a7762b6e66. C206.wfacts.json, sha256 258be6fa45917609. Hand-written text handcraft/C206.json, sha256 7de9d982327297fc

Continue the report

Executive summary →
Overview

Executive Summary

Four findings from 150 engagements

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Introduction

Introduction

Scope, evidence, and how the report is organized

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Part 1

Engagement Outcomes

Poor results on every measure, and what separates them

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Part 2

The Five Failure Categories

Where failure concentrates, category by category

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Part 3

Governance, Oversight, and Control

Controls that existed in name only

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Part 4

The Delivery Workforce

Early in their careers, dissatisfied, and many intending to leave

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Part 5

Manual Alteration

How the delivery team altered the work to sustain it

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Part 6

Executive Action Plan

Seven immediate actions and a first-year plan

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Appendices

Appendices

Definitions, indicator inventory, method, and disclosures

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Data

Study Data

Deep-dive analyses of the study indicators, published in stages

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