Some of the things you have mentioned are implemented by some companies. You mentioned Nationwide so I'll provide some anecdote about how with Geico I can manage my policy entirely online, get quotes, print/download docs, summon chat support, etc.
I think a huge differentiator with customers is the support or service a company can provide. This may matter more than the product when the products are pretty common and easily comparable (bank accounts, car insurance, etc.) Something to keep in mind as a lot of people work at startups here and there are countless examples of large companies that provide 0 support and randomly shut down entire products.
I think a huge differentiator with customers is the support or service a company can provide. This may matter more than the product when the products are pretty common and easily comparable (bank accounts, car insurance, etc.) Something to keep in mind as a lot of people work at startups here and there are countless examples of large companies that provide 0 support and randomly shut down entire products.