> The other is "meh, just direct them to the call centre".
I worked at a large insurance company and this was definitely the approach. There was a website, but you had to call to realistically get almost anything done.
One product manager's big innovation was to completely remove passwords. Every time you wanted to log in, you had reset the password and be sent a link via email. Of course the didn't announce this, so you would be probably spend 20 minutes frantically looking for your password that didn't exist.
I worked at a large insurance company and this was definitely the approach. There was a website, but you had to call to realistically get almost anything done.
One product manager's big innovation was to completely remove passwords. Every time you wanted to log in, you had reset the password and be sent a link via email. Of course the didn't announce this, so you would be probably spend 20 minutes frantically looking for your password that didn't exist.